Compare personal loans

Achieve Personal (Debt Consolidation)

Achieve Personal Loans for Debt Consolidation

Achieve Personal Loans offers competitive rates and a streamlined process for debt consolidation, making it a viable option for qualified borrowers.

6.25%–35.99% APR 5000–50000 24–60 months

This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.

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Payoff Debt Consolidation

Payoff Debt Consolidation Loan

Payoff is exclusively for credit card debt payoff — they send funds directly to your credit card companies. The FICO score tracking and financial wellness tools are genuine value-adds.

5.99%–24.99% APR 5000–40000 24–60 months

Borrowers with significant credit card debt who want a structured payoff plan

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Figure Heloc

Figure Home Equity Line of Credit

Figure's HELOC offers a fast, online application process with competitive rates, but potential borrowers should consider the implications of variable rates.

6.75%–15.0% APR 15000–750000 60–360 months

This product is ideal for homeowners looking for quick access to funds for home improvements, debt consolidation, or other major expenses.

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American Express Business Line Of Credit

Kabbage Business Line of Credit

Kabbage offers a quick and flexible line of credit for small businesses, with fast funding options. However, borrowers should be aware of the potential costs associated with the monthly fee model.

2000–250000 1–18 months

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.

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Ally Financial Car Finance

Ally Auto Finance

Ally Auto Finance offers a broad range of loan amounts and competitive APRs, making it a solid choice for many borrowers.

5.99%–22.99% APR 5000–75000 12–84 months

Best for individuals seeking financing for new or used vehicles with flexible loan terms from 12 to 84 months.

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Citizens Bank Student Refinance

Citizens Bank Student Loan Refinance

Citizens Bank is one of the few top-20 banks offering competitive student loan refinancing. Loyalty discount (0.25%) for existing customers and one of the highest max amounts ($500K).

4.89%–9.74% APR 10000–500000 60–240 months

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

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LendingClub Personal

LendingClub Personal Loan

LendingClub provides a flexible personal loan option with quick funding, but the high APR range may deter those with poorer credit. Be mindful of the potential for high rates if your credit score is on the lower end.

6.53%–35.99% APR 1000–40000 24–60 months

Individuals with fair credit seeking personal loans for debt consolidation or major purchases.

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Upgrade Debt Consolidation

Upgrade Debt Consolidation Loan

Upgrade's debt consolidation loan offers flexible terms and rate discounts, viable choice for many borrowers.

7.74%–35.99% APR 1000–50000 24–84 months

This loan is ideal for fair-credit borrowers looking to manage multiple debts with .

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Rocket Mortgage Mortgage

Rocket Mortgage Review: America's Largest Lender

Rocket Mortgage offers a streamlined digital experience for obtaining a mortgage, but may not be the best fit for everyone.

6.17%–6.5% APR 50000–3000000 180–360 months

It's ideal for tech-savvy borrowers looking for a fast, fully digital mortgage application process.

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Carvana Auto

Carvana Auto Finance

Carvana Auto Finance provides a online experience for purchasing vehicles, especially appealing for those with varied credit histories. However, the high APR range of 6.9% to 27.9% can make it costly for borrowers with less favorable credit.

6.9%–27.9% APR 1000–100000 24–84 months

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

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ELFI Student Refinance

ELFI Student Loan Refinance

ELFI consistently ranks among the lowest APRs for student loan refinancing. Each borrower gets a dedicated personal loan advisor — rare in the fintech space.

4.86%–8.44% APR 10000–300000 60–240 months

Borrowers with good credit (680+) refinancing $10,000+ in student loans who value personalized service

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Navy Federal Credit Union Personal (Credit Union)

Navy Federal Credit Union Personal Loans

Navy Federal Credit Union offers competitive personal loan rates tailored for military members and their families, making it a solid choice for those eligible.

8.99%–18.0% APR 250–50000 6–180 months

These loans are best for military personnel and their families seeking flexible financing options without origination fees.

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Wells Fargo Debt Consolidation

Wells Fargo Debt Consolidation Loan

Wells Fargo offers some of the highest loan amounts ($100K) and lowest APRs (5.74%) for debt consolidation — but the best rates are reserved for existing customers with strong credit.

5.74%–19.99% APR 3000–100000 12–84 months

Existing Wells Fargo customers with good credit and large debt consolidation needs ($25K+)

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Spring EQ Home Equity

Spring EQ Home Equity Loans

Spring EQ offers competitive home equity loans and HELOCs with flexible borrowing options, making it a solid choice for homeowners looking to leverage their equity.

8.5%–11.5% APR 25000–500000 60–360 months

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

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Navy Federal Credit Union Car Finance

Navy Federal Auto Loan

Navy Federal's auto loan rates are among the lowest available, making it a strong choice for eligible borrowers.

3.89%–18.24% APR 250–100000 12–96 months

This loan is best for military personnel and their families who are looking for low-interest rates on vehicle financing.

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Earnest Student Refinance

Earnest Student Loan Refinance

Earnest offers flexible student loan refinancing options without fees, making it a solid choice for borrowers seeking control over their repayment terms.

4.15%–14.9% APR 5000–500000

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

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Affirm Bnpl / Installment

Affirm Pay Over Time

Affirm offers a flexible buy now, pay later solution with transparent terms, making it a viable choice for budget-conscious shoppers.

0%–36% APR 50–17500 3–60 months

This service is best for those seeking interest-free payment options and a straightforward repayment process without hidden fees.

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Discover Personal

Discover Personal Loans

Discover Personal Loans offer competitive rates and no fees, making them a solid choice for those in need of funding.

7.99%–24.99% APR 2500–40000 36–84 months

These loans are best for individuals looking to consolidate debt, improve their homes, or cover unexpected medical expenses without incurring origination fees.

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Rocket Mortgage Mortgage

Rocket Mortgage by Quicken Loans

Rocket Mortgage offers a streamlined online application process and quick approvals, making it a convenient choice for homebuyers and those looking to refinance.

6.875%–7.148% APR 50000–3000000 180–360 months

This service is best for tech-savvy individuals who prefer managing their mortgage application online, as well as those looking for FHA, VA, or conventional loans.

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Capital One Auto

Capital One Auto Finance

Capital One Auto Finance offers a user-friendly pre-qualification process that won't affect your credit score, making it prospective car buyers. However, be aware that their APR can reach up to 14.99%, which may be high for some.

4.91%–14.99% APR 4000–100000 36–72 months

Individuals with a good credit score looking for flexible auto financing options.

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