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| Avant Details |
| Prepayment penalty: None |
Unsuccessful payment fee: $15 |
Minimum Credit Score: 550 |
| Origination Fee: 0.95% to 4.75% |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: $25 |
Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday) |
Best for: low origination fees for bad credit |
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| Axos Details |
| Prepayment penalty: None |
Unsuccessful payment fee: None |
Minimum Credit Score: 730 |
| Origination Fee: 0% to 3% |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: $15 |
Time to fund: As soon as the next business day after successful verification |
Best for: Low origination fees |
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| Best Egg Details |
| Prepayment penalty: None |
Unsuccessful payment fee: $15 |
Minimum Credit Score: 600 |
| Origination Fee: 0.99% to 8.99% |
Check processing fee: $7 |
Do they allow a cosigner: No |
| Late fee: $15 |
Time to fund: As soon as 1 – 3 business days after successful verification |
Best for: close rates if pre-approved |
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Loan amount
Up to $200,000
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| BHG Money Details |
| Prepayment penalty: None |
Unsuccessful payment fee: None |
Minimum Credit Score: 660 |
| Origination Fee: 2% to 4% |
Check processing fee: None |
Do they allow a cosigner: Yes |
| Late fee: If 15 or more days late, borrower may be charged 5.00% of the outstanding payment or $40 whichever is less. |
Time to fund: Funding in as few as 5 days |
Best for: Large personal loans |
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| Discover Personal Loans Details |
| Prepayment penalty: None |
Unsuccessful payment fee: None |
Minimum Credit Score: 660 |
| Origination Fee: None |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: $39 |
Time to fund: Funds can be sent as soon as the next business day after acceptance |
Best for: Low interest rate personal loans |
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| Happy Money Details |
| Prepayment penalty: None |
Unsuccessful payment fee: None |
Minimum Credit Score: 640 |
| Origination Fee: 2% to 5% |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: None |
Time to fund: As soon as 2 – 5 business days after verification |
Best for: Consolidating credit card debt, boosting your credit score |
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| LendingClub Details |
| Prepayment penalty: None |
Unsuccessful payment fee: $15 |
Minimum Credit Score: 660 |
| Origination Fee: 3% to 8% |
Check processing fee: $7 |
Do they allow a cosigner: No, but co-borrowers allowed |
| Late fee: 5% of late payment or $15 (whichever is greater) |
Time to fund: Get funds in as little as 2 days5 |
Best for: online experience |
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Loan amount
Up to $100,000
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| LightStream Details |
| Prepayment penalty: None |
Unsuccessful payment fee: None |
Minimum Credit Score: 700 |
| Origination Fee: None |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: None |
Time to fund: As soon as the same business day |
Best for: home improvement loans |
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| OneMain Financial Details |
| Prepayment penalty: None |
Unsuccessful payment fee: $10 to $50 |
Minimum Credit Score: None |
| Origination Fee: $25 to $500 |
Check processing fee: None |
Do they allow a cosigner: Yes |
| Late fee: $5 – $30 |
Time to fund: As soon as 1 – 2 days after acceptance |
Best for: personal loans for bad credit |
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| PenFed Details |
| Prepayment penalty: None |
Unsuccessful payment fee: $30 |
Minimum Credit Score: 700 |
| Origination Fee: None |
Check processing fee: None |
Do they allow a cosigner: Yes |
| Late fee: $29 |
Time to fund: Typically 2 business days after verification |
Best for: credit union for personal loans |
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| Reach Financial Details |
| Prepayment penalty: None |
Unsuccessful payment fee: $25 |
Minimum Credit Score: 640 |
| Origination Fee: 4% to 8% |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: $15 |
Time to fund: 90% funded within a day |
Best for: Small loan amounts from online lenders |
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Loan amount
Up to $100,000
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| SoFi Details |
| Prepayment penalty: None |
Unsuccessful payment fee: None |
Minimum Credit Score: Does not disclose |
| Origination Fee: 0% – 6% |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: None |
Time to fund: Typically within a few days, given approval and bank account verification |
Best for: personal loans for excellent credit |
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Loan term
3, 5, or 7 years
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| Universal Credit Details |
| Prepayment penalty: None |
Unsuccessful payment fee: $10 |
Minimum Credit Score: 560 |
| Origination Fee: 5.25% – 9.99% |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: $10 |
Time to fund: As soon as 1 business day after acceptance |
Best for: debt consolidation loans for bad credit |
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| Upgrade Details |
| Prepayment penalty: None |
Unsuccessful payment fee: $10 |
Minimum Credit Score: 600 |
| Origination Fee: 1.85% to 9.99% |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: $10 |
Time to fund: Within a day of clearing necessary verifications |
Best for: personal loans for fair credit |
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| Upstart Details |
| Prepayment penalty: None |
Unsuccessful payment fee: $15 |
Minimum Credit Score: 620 |
| Origination Fee: 0% to 12% |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: 5% of late payment or $15 (whichever is greater) |
Time to fund: As soon as 1 – 3 business days |
Best for: Fast personal loans for bad credit |
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| Zable Details |
| Prepayment penalty: None |
Unsuccessful payment fee: None |
Minimum Credit Score: 600 |
| Origination Fee: 5% to 9% |
Check processing fee: None |
Do they allow a cosigner: No |
| Late fee: None |
Time to fund: As soon as the same business day if approved by 3:30pm Eastern Time |
Best for: Short-term loans and same day funding |
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