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We compare rates, terms, and eligibility across dozens of lenders — so you can borrow with confidence. Independent reviews, no hidden fees.

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Auto

Autopay Auto Loans

APR

4.67–21.99%

Amount

$5k–$100k

Term

24–84 mo

Speed

Minutes (online decision)

Best for: This service is best for borrowers with a minimum credit score of 580 who are looking to refinance their auto loans and save money.

Minimum credit score 580 · Vehicle less than 10 years old · Valid US driver license

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Consolidation

SoFi Debt Consolidation Loan

APR

7.74–35.49%

Amount

$5k–$100k

Term

24–84 mo

Speed

Same day funding available

Best for: This loan is ideal for borrowers with a solid credit score looking to simplify their payments without incurring additional fees.

Minimum credit score 680 · US citizen or permanent resident · Employed or have regular income

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Business

OnDeck Business Term Loan

APR

29.9%

Amount

$5k–$250k

Term

3–24 mo

Speed

Same day

Best for: Best for established businesses needing quick cash with good revenue.

Business at least 1 year old · Annual revenue $100,000+ · FICO 625+

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Student

Earnest Student Loan Refinance

APR

4.15–14.9%

Amount

$5k–$500k

Speed

Check rate in minutes with no impact on credit score

Best for: This service is best for individuals with good credit looking for customizable repayment plans and the option to skip payments once a year.

US citizen or permanent resident · Bachelor degree from eligible institution · Minimum credit score required

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Mortgage

Better Mortgage Refinance

APR

5.5–7.5%

Amount

$50k–$3M

Term

180–360 mo

Speed

Pre-approval in minutes, closing in 3 weeks

Best for: This service is ideal for homeowners looking to refinance without origination fees and with a quick online process.

Minimum credit score 620 · US property owner · Proof of income and employment

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Personal

SoFi Personal Loan

APR

7.74–35.49%

Amount

$5k–$100k

Term

24–84 mo

Best for: This loan is best for borrowers looking for larger amounts, ranging from $5,000 to $100,000, without the burden of origination fees or prepayment penalties.

US citizen or permanent resident (or valid visa holder) · Age 18+ · Valid SSN

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Oportun Personal Loan

APR

35.95–35.99%

Amount

$300–$10k

Term

12–48 mo

Speed

1-3 business days

Best for: Recent immigrants with no SSN and no US credit history who need a small loan and want to start building credit

SSN, ITIN, or passport accepted · No credit history required · No minimum credit score

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Auto

Wells Fargo Auto Loans

APR

5.49–19.99%

Amount

$5k–$100k

Term

12–72 mo

Speed

Same day

Best for: These loans are best for borrowers with good credit who want quick access to funds for purchasing a vehicle.

US resident · Aged 18+ · Good credit

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Business

Kabbage Business Line of Credit

APR

—

Amount

$2k–$250k

Term

1–18 mo

Speed

Same day (online decision)

Best for: This product is best for small businesses looking for immediate access to funds without extensive paperwork. It's particularly suitable for those with a revenue-based qualification process.

FICO score 660+ · Business at least 1 year old · Average monthly revenue $3,000+

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Student

Sallie Mae Student Loans

APR

2.99–16.38%

Amount

$1k–$200k

Term

60–180 mo

Best for: These loans are ideal for undergraduate, graduate, and career training students looking for varied repayment options.

US citizen or permanent resident (international students may apply with eligible cosigner) · Age 18+ · Valid SSN

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Mortgage

Bethpage Federal Credit Union HELOC

APR

5.99–7.5%

Amount

$10k–$500k

Term

60–240 mo

Speed

Apply online

Best for: This HELOC is best for borrowers seeking a no-closing-cost option and who prefer interest-only payments during the draw period.

Homeowner with equity in property · Credit union membership required · Good credit history

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Personal

Oportun Personal Loans for Credit Building

APR

19.9–35.95%

Amount

$300–$10k

Term

12–48 mo

Speed

Minutes (prequalification), same-day funding

Best for: This service is ideal for borrowers who are new to credit and need a manageable loan for personal expenses, ranging from $300 to $18,500.

No minimum credit score required · US resident in eligible state · Valid bank account or debit card

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Consolidation

LendingClub Debt Consolidation Loan

APR

5.96–35.99%

Amount

$1k–$40k

Term

24–60 mo

Speed

Approved in as little as 1 hour, funded next business day

Best for: Best for borrowers with a credit score of at least 600 seeking fast approval and funding.

Minimum credit score 600 · US citizen or permanent resident · Verifiable income

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Business

BlueVine Business Line of Credit

APR

6.2%

Amount

$5k–$250k

Term

6–12 mo

Speed

Same day

Best for: Best for small businesses with at least two years of operation and strong revenue.

Business at least 2 years old · Annual revenue $120,000+ · FICO 650+

Check eligibility →
Student

Citizens Bank Student Loan Refinance

APR

4.89–9.74%

Amount

$10k–$500k

Term

60–240 mo

Speed

Same day prequalification

Best for: Existing Citizens Bank customers or borrowers with high student loan balances ($100K+)

US citizen or permanent resident · Bachelor's degree or higher · Minimum annual income $24,000

Check eligibility →
Mortgage

Spring EQ Home Equity Loans

APR

8.5–11.5%

Amount

$25k–$500k

Term

60–360 mo

Speed

Talk to an Equity Expert for quick assessment

Best for: This option is best for borrowers who want to access up to 95% of their home value quickly and easily through a digital process.

Homeowner with sufficient equity · US resident (not available in NY, HI, UT) · Property appraisal required

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Personal

Prosper Personal Loan

APR

8.99–35.99%

Amount

$2k–$50k

Term

24–60 mo

Best for: Individuals with fair credit scores (600+) needing a personal loan for significant expenses.

US citizen or permanent resident · Age 18+ · Valid SSN

Check eligibility →
Auto

Carvana Auto Finance

APR

6.9–27.9%

Amount

$1k–$100k

Term

24–84 mo

Best for: Individuals with fair to good credit scores looking for flexible financing options for vehicle purchases.

US resident · Age 18+ · Valid SSN

Check eligibility →

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