Compare the best loans
Borrow smart.
| Lender / Product | Rating | Key details | |
|---|---|---|---|
| Fiona (Even Financial) Compare personal loan offers | 4.5/5 | <Review | |
| LendingClub Peer-to-peer personal loans | 4.3/5 | $1k-$40k · $100/referral · 4M+ | Review |
| Upstart AI-based approvals | 4.2/5 | $1k-$50k · Thin credit · Soft pull | Review |
| SoFi No-fee personal loans | 4.5/5 | $5k-$100k · $0 · Good credit | Review |
| Upgrade Personal loans + cards | 4.3/5 | $1k-$50k · Fair credit · Fast | Review |
| LendingClub Financial products | 4.3/5 | $100 per referral; $50 payout threshold · Impact | Review |
| PersonalLoans.com Loans | Not yet rated/5 | ( at 100+ leads/mo) · direct | Review |
Our top picks
The right loan has the lowest total cost, not just the lowest payment. Best across types.
Our top pick
1. Fiona (Even Financial) — 4.5/5
Best for: Compare personal loan offers
Loan
$1k-$100k
<
Check
Soft pull
Pros
- One form, multiple offers
- Soft pull to compare
Cons
- Not a direct lender
Affiliate link pending — direct.
2. LendingClub — 4.3/5
Best for: Peer-to-peer personal loans
Loan
$1k-$40k
$100/referral
Members
4M+
Pros
- NYSE-listed
- Debt consolidation focus
Cons
- Origination fees
Affiliate link pending — via Impact.
3. Upstart — 4.2/5
Best for: AI-based approvals
Loan
$1k-$50k
Best for
Thin credit
Check
Soft pull
Pros
- Approves thin files
- Fast funding
Cons
- Origination fees up to 12%
Affiliate link pending — affiliate program.
4. SoFi — 4.5/5
Best for: No-fee personal loans
Loan
$5k-$100k
Fees
$0
Best for
Good credit
Pros
- No fees at all
- Unemployment protection
Cons
- Higher minimums
Affiliate link pending — affiliate program.
5. Upgrade — 4.3/5
Best for: Personal loans + cards
Loan
$1k-$50k
Best for
Fair credit
Funding
Fast
Pros
- Accepts fair credit
- Joint applications
Cons
- Origination fees
Affiliate link pending — via FlexOffers.
6. LendingClub — 4.3/5
Best for: Financial products
$100 per referral; $50 payout threshold
Network
Impact
Pros
- Pays $100 per referral; $50 payout threshold
- Via Impact
Cons
- Apply via network dashboard to get tracking link
Affiliate link pending — via Impact.
7. PersonalLoans.com — Not yet rated/5
Best for: Loans
( at 100+ leads/mo)
Network
direct
Pros
- Pays ( at 100+ leads/mo)
- Via direct
Cons
- Apply via network dashboard to get tracking link
Affiliate link pending — via direct.
How we chose
- We reviewed available programs and providers in this category as of October 2026.
- Ratings weigh public reputation, terms, fees, and customer reviews.
- We prioritize providers with live affiliate programs so our guides stay free — this never changes our ratings.
Frequently asked questions
How to compare loans?
APR first, then fees, then term. Lowest APR usually wins.
Soft vs hard pull?
Prequalification = soft (no impact). Formal application = hard pull.
How fast?
Online lenders fund in 1-3 days; banks take longer.
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