Portal do Lucro — Compare personal loans

Oportun Personal Loan

The most accessible entry point for immigrants without an SSN or credit history. Oportun accepts ITIN and passport identification with no minimum credit score requirement. The trade-off is a high APR (35.95-35.99%) and smaller loan amounts.

35.95%–35.99% APR 300–10000 12–48 months

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

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OnDeck Business Term Loan

OnDeck's fast quick approval is a major advantage for urgent funding needs, but the high minimum APR of 29.9% can make this loan costly for long-term borrowing.

29.9% APR 5000–250000 3–24 months

Best for established businesses needing quick cash with good revenue.

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AUTOPAY Auto Refinance

Autopay Auto Loans

Autopay offers competitive auto refinancing options with a quick application process, making it a viable choice for those looking to save on monthly payments.

4.67%–21.99% APR 5000–100000 24–84 months

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

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Laurel Road Student Refinance

Laurel Road Student Loan Refinance

Laurel Road (a KeyBank subsidiary) specializes in refinancing for healthcare professionals — doctors, dentists, nurses. Competitive rates and parent PLUS loan refinancing available.

4.49%–8.89% APR 5000–300000 60–240 months

Healthcare professionals (doctors, nurses, dentists) refinancing student loans

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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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Upstart Personal

Upstart Debt Consolidation Loans

Upstart provides a fast and tech-driven solution for debt consolidation, for those with fair credit. However, the high APR range could pose a challenge for long-term borrowers seeking affordable rates.

6.3%–35.99% APR 1000–50000 36–60 months

Borrowers with fair credit looking to consolidate high-interest debt into manageable payments.

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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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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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Wells Fargo Car Finance

Wells Fargo Auto Loans

Wells Fargo Auto Loans are a solid option for existing customers looking for lower rates, but new borrowers may face higher APRs.

5.49%–19.99% APR 5000–100000 12–72 months

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

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Sallie Mae Student

Sallie Mae Student Loans

Sallie Mae offers a flexible range of private student loans with competitive rates, making it a solid choice for many borrowers.

2.99%–16.38% APR 1000–200000 60–180 months

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

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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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Best Egg Personal

Best Egg Personal Loans

Best Egg provides fast funding, often within a day, solid option for urgent financial needs. However, borrowers should be cautious of the high maximum APR of 35.99%, which could make long-term borrowing costly.

6.99%–35.99% APR 2000–50000 36–60 months

Individuals with a credit score of at least 600 seeking personal loans for debt consolidation or home improvement.

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Better Mortgage Mortgage

Better Mortgage: A Transparent Lending Experience

Better Mortgage offers a straightforward, commission-free approach to securing a mortgage, ideal for those seeking simplicity and clarity in the lending process.

6.5%–8.0% APR 50000–2000000

This service is best for homebuyers and homeowners looking to refinance without hidden fees or complicated processes.

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BlueVine Business Line Of Credit

BlueVine Business Line of Credit

BlueVine’s Business Line of Credit is ideal for established businesses needing quick access to funds, but the $120,000 annual revenue requirement may exclude newer ventures.

6.2% APR 5000–250000 6–12 months

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

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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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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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LendingClub Debt Consolidation

LendingClub Debt Consolidation Loan

This loan is a quick solution for those needing to consolidate debt and pay off credit cards efficiently.

5.96%–35.99% APR 1000–40000 24–60 months

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

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Armed Forces Bank Personal

Armed Forces Bank Personal Loan

Convenient on-base banking for service members and veterans.

8.99%–17.99% APR 500–25000

Active duty members who value on-base banking convenience.

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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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Ally Financial Car Finance