Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
- Signal
- High
- Review
- Clear
- Speed
- Fast
Scout Picks
Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
- Fast scan
- Top options summarized in one view
- Clear terms
- Rates, fees, or fit signals are easy to spot
- No fluff
- Straight to the shortlist before deeper research
-
01
-
Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
Explore this group → -
Need a wider view?
03Open the full results page to compare more providers, filters, and editorial notes.
View all results
Recently added
- Rate
- —
- Amount
- $50–$250
- Timing
- Minutes
Payday advance app offering instant cash advances up to $250. No credit check, no late fees. Payday loan alternative trusted by 12 million+ users. Get approved for a payday advance in minutes.
- Active bank account with regular income deposits
- No credit check required
- US resident
- Rate
- 34.0–155.0%
- Amount
- $1k–$10k
- Timing
- Next business day
Personal loans and lines of credit for borrowers who may not qualify with traditional lenders. Fast application, quick decisions, and next-business-day funding.
- active_bank_account
- regular_income
- 18_years_or_older
- Rate
- 4.67–21.99%
- Amount
- $5k–$100k
- Timing
- Minutes (online decision)
Auto refinancing specialist with rates starting at 5.15% APR. Save an average of $100/month by refinancing. Quick 2-minute application.
- Minimum credit score 580
- Vehicle less than 10 years old
- Valid US driver license
- Rate
- 7.74–35.99%
- Amount
- $1k–$50k
- Timing
- Next business day funding
Consolidate debt with multiple rate discounts including autopay and direct creditor payment. Loans from $1,000 to $50,000 with terms up to 84 months. Accessible to fair-credit borrowers with scores as low as 580.
- Minimum credit score 580
- US citizen or permanent resident
- Verifiable income
- Rate
- 6.875–7.148%
- Amount
- —
- Timing
- —
America's largest mortgage lender. Online application, verified approval in minutes. Purchase and refinance options. FHA, VA, and conventional.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- —
- Amount
- $2k–$250k
- Timing
- Same day (online decision)
Business lines of credit from $2,000 to $250,000. Apply in minutes, funds available same day. Revenue-based qualification.
- FICO score 660+
- Business at least 1 year old
- Average monthly revenue $3,000+
- Rate
- 99.0–199.0%
- Amount
- $100–$2k
- Timing
- Same day
Payday loans and installment loans with fast online application. Get cash quickly for emergency expenses. Available online and at retail locations across the US.
- active_bank_account
- regular_income
- 18_years_or_older
- Rate
- 2.99–16.38%
- Amount
- $1k–$200k
- Timing
- —
Private student loans for undergraduate, graduate, and career training. Competitive rates with multiple repayment options during and after school.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 7.95–35.99%
- Amount
- $5k–$40k
- Timing
- —
Specifically designed to pay off credit card debt. Lower interest rates than most credit cards. Financial wellness tools included.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 5.49–27.99%
- Amount
- $2k–$75k
- Timing
- Instant pre-qualification
CarMax offers in-house financing on its used vehicle inventory with pre-qualification available online.
- US resident
- Aged 18+
- Rate
- 5.96–35.99%
- Amount
- $1k–$40k
- Timing
- Approved in as little as 1 hour, funded next business day
Pay off credit cards with a balance transfer loan from LendingClub. Direct payment to creditors available, with approval in as little as one hour and funding in one business day.
- Minimum credit score 600
- US citizen or permanent resident
- Verifiable income
- Rate
- 6.5–8.0%
- Amount
- $50k–$2M
- Timing
- —
Commission-free mortgage lender with no origination fees. Get pre-approved in minutes with competitive rates for purchase or refinance.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 36.0–199.0%
- Amount
- $50–$3k
- Timing
- Same day
Payday loans, installment loans, and flex lines of credit. Available online and at store locations nationwide. Quick payday loan approval for small unexpected expenses.
- active_bank_account
- regular_income
- 18_years_or_older
- Rate
- 4.24–10.37%
- Amount
- $5k–$500k
- Timing
- —
Refinance federal and private student loans with rates starting at 4.49%. No fees. Unemployment protection included. Member benefits.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 7.99–24.99%
- Amount
- $2.5k–$40k
- Timing
- —
Personal loans from $2,500 to $40,000 with no origination fees. Fixed rates. Funds sent as early as next business day. Consolidation and home improvement.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 5.49–17.99%
- Amount
- $7.5k–$100k
- Timing
- Same day
Bank of America offers new and used car loans with competitive rates and relationship discounts.
- US resident
- Aged 18+
- Good credit
- Rate
- 7.74–35.49%
- Amount
- $5k–$100k
- Timing
- Same day funding available
Consolidate credit card debt into one fixed monthly payment with no origination fees, no prepayment penalties, and same-day funding available. Borrow $5K to $100K.
- Minimum credit score 680
- US citizen or permanent resident
- Employed or have regular income
- Rate
- 8.5–11.5%
- Amount
- $25k–$500k
- Timing
- —
Home equity loans and HELOCs with higher LTV options — borrow up to 95% of home value. Quick digital process.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 100.0–200.0%
- Amount
- $50–$1.5k
- Timing
- Same day at stores
Payday loans, installment loans, and check cashing services at store locations across the US. Quick approval for emergency payday loan needs.
- Active bank account
- Government-issued ID
- Proof of income
- Rate
- 2.74–17.99%
- Amount
- ≤$1k
- Timing
- —
Private student loans for undergrad, grad, and parents. Competitive rates with multiple repayment options. $1,000 to full cost of attendance.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
Latest from the blog
Best Personal Loans for Spring 2026: Rates, Speed, and Flexibility
Discover the top personal loans available this spring. Compare APRs, fees, and approval times to find the best fit for your needs.
Top Personal Loans for Freelancers: Quick, Flexible, Reliable
Freelancers often face unique financial challenges. Explore the best personal loan options tailored to your needs, ensuring quick access and flexible terms.