O Oportun Personal Loan Oportun APR 35.95–35.99% /yr Amount $300–$10k Term 12–48mo Requirements SSN, ITIN, or passport accepted No credit history required No minimum credit score
A Armed Forces Bank Personal Loan Personal Armed Forces Bank APR 8.99–17.99% /yr Amount $500–$25k Term —
N Navy Federal Credit Union Personal Loans Personal Navy Federal Credit Union APR 8.99–18.0% /yr Amount $250–$50k Term 6–180mo Requirements Navy Federal membership required (active duty, veterans, DoD civilians, and their families) US citizen or permanent resident Age 18+
B Best Egg Personal Loans Personal Best Egg APR 6.99–35.99% /yr Amount $2k–$50k Term 36–60mo Requirements US citizen or permanent resident Age 18+ Valid SSN
P Payoff Credit Card Payoff Loan Personal Happy Money APR 8.95–35.99% /yr Amount $5k–$40k Term 24–60mo Requirements US citizen or permanent resident Age 18+ Valid SSN
H Happy Money Personal Loans Personal Happy Money APR 8.95–35.99% /yr Amount $5k–$40k Term 24–60mo Requirements US citizen or permanent resident Age 18+ Valid SSN
W Wells Fargo Personal Loans Personal Wells Fargo APR 6.74–24.49% /yr Amount $3k–$100k Term 12–84mo Requirements US citizen or permanent resident Age 18+ Valid SSN
A Alliant Credit Union Personal Loans Personal Alliant Credit Union APR 6.75–16.0% /yr Amount $1k–$50k Term 12–60mo Requirements Alliant Credit Union membership required (open to all via joining Foster Care to Success) US citizen or permanent resident Age 18+
A Achieve Personal Loans for Debt Consolidation Personal Achieve APR 6.25–35.99% /yr Amount $5k–$50k Term 24–60mo Requirements Minimum credit score 640 US citizen or permanent resident Verifiable income
U Upgrade Personal Loans Personal Upgrade APR 7.74–35.99% /yr Amount $1k–$50k Term 24–84mo Requirements Minimum credit score 600 US citizen or permanent resident Valid bank account
A Avant Personal Loans Personal Avant APR 9.95–35.99% /yr Amount $2k–$35k Term 24–60mo Requirements US resident Age 18+ Valid SSN
O Oportun Personal Loans for Credit Building Personal Oportun APR 19.9–35.95% /yr Amount $300–$10k Term 12–48mo Requirements No minimum credit score required US resident in eligible state Valid bank account or debit card
P PenFed Credit Union Personal Loans Personal PenFed Credit Union APR 6.09–17.99% /yr Amount $600–$50k Term 12–60mo Requirements PenFed membership required (open to all via Voices for Americas Troops association) US citizen or permanent resident Age 18+
C Citizens Personal Loans Personal Citizens Bank APR 7.49–22.44% /yr Amount $5k–$50k Term 36–84mo Requirements US citizen or permanent resident Age 18+ Valid SSN
P Prosper Personal Loan Personal Prosper APR 8.99–35.99% /yr Amount $2k–$50k Term 24–60mo Requirements US citizen or permanent resident Age 18+ Valid SSN
S SoFi Personal Loan Personal SoFi APR 7.74–35.49% /yr Amount $5k–$100k Term 24–84mo Requirements US citizen or permanent resident (or valid visa holder) Age 18+ Valid SSN
L LightStream Personal Loan Personal LightStream APR 6.49–24.89% /yr Amount $5k–$100k Term 24–240mo Requirements US citizen or permanent resident Age 18+ Valid SSN
U Upstart Debt Consolidation Loans Personal Upstart APR 6.3–35.99% /yr Amount $1k–$50k Term 36–60mo Requirements US citizen or permanent resident Age 18+ Valid SSN
L LendingClub Personal Loan Personal LendingClub APR 6.53–35.99% /yr Amount $1k–$40k Term 24–60mo Requirements US citizen or permanent resident Age 18+ Valid SSN
W Wells Fargo Debt Consolidation Loan Consolidation Wells Fargo APR 5.74–19.99% /yr Amount $3k–$100k Term 12–84mo Requirements SSN required US address Good credit history
A Achieve Personal Loan Achieve APR 6.25–35.99% /yr Amount $5k–$50k Term 24–60mo Requirements SSN required US address Minimum 620 credit score
L LendingPoint Personal Loan LendingPoint APR 7.99–35.99% /yr Amount $1k–$36.5k Term 24–72mo Requirements SSN required US address Minimum $35,000 annual income
O OneMain Financial Personal Loan OneMain Financial APR 11.99–35.99% /yr Amount $1.5k–$30k Term 24–60mo Requirements ITIN or SSN US address Proof of income
S Self Credit Builder Loan Credit Builder Self Financial APR 15.92% /yr Amount $520–$3.6k Term 12–24mo Requirements SSN or ITIN accepted No credit check required No minimum credit score
P PNC Personal Loan PNC APR 8.14–24.99% /yr Amount $1k–$35k Term 6–60mo Requirements SSN, ITIN, or passport accepted US address Good credit typically required
A Alliant Credit Union Personal Loan Alliant Credit Union APR 8.74–11.74% /yr Amount $1k–$100k Term 12–60mo Requirements SSN or ITIN accepted Alliant membership required (open to anyone) Limited credit history may qualify
H Happen Bank Personal Loan Happen Bank APR 6.53–35.99% /yr Amount $1k–$40k Term 24–60mo Requirements SSN required Joint/co-borrower applications available Permanent residents eligible
U Upstart Personal Loan Upstart APR 6.3–35.99% /yr Amount $1k–$75k Term 36–60mo Requirements US citizen or permanent resident Some visa holders accepted SSN required
W Wells Fargo Personal Loan Wells Fargo APR 6.74–25.99% /yr Amount $3k–$100k Term 12–84mo Requirements SSN or ITIN accepted Must be existing Wells Fargo customer Minimum 660 credit score
U Upgrade Personal Loan Upgrade APR 7.74–35.99% /yr Amount $1k–$75k Term 24–84mo Requirements SSN, passport, or valid visa Permanent residents or visa holders Minimum 580 credit score