Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
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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
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Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
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Recently added
- Rate
- 5.99–24.99%
- Amount
- $5k–$40k
- Timing
- 2-4 business days
Purpose-built debt consolidation loans from $5,000 to $40,000. Specifically designed to pay off credit card debt.
- SSN required
- Minimum 640 credit score
- Minimum $2,000 in credit card debt
- Rate
- 4.44–8.99%
- Amount
- $5k–$500k
- Timing
- Minutes for prequalification
Student loan refinancing with a social mission — for every loan funded, CommonBond funds education for a student in need.
- US citizen or permanent resident
- Bachelor's degree minimum
- Employed or have job offer
- 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
- 29.9%
- Amount
- $5k–$250k
- Timing
- Same day
Compare the terms, requirements, and editorial notes before you click through.
- Business at least 1 year old
- Annual revenue $100,000+
- FICO 625+
- Rate
- 35.95–35.99%
- Amount
- $300–$10k
- Timing
- 1-3 business days
Personal loans for borrowers with no credit history, accepting SSN, ITIN, or passport. Designed for underserved communities including recent immigrants.
- SSN, ITIN, or passport accepted
- No credit history required
- No minimum credit score
- Rate
- 6.25–35.99%
- Amount
- $5k–$50k
- Timing
- 24-72 hours
Personal loans for debt consolidation from $5,000 to $50,000. Direct creditor payment option. Competitive rates for good credit.
- Minimum credit score 640
- US citizen or permanent resident
- Verifiable income
- Rate
- 6.5–8.0%
- Amount
- $50k–$2M
- Timing
- Pre-approval in as fast as 3 minutes, closing in as fast as 3 weeks
Commission-free mortgage lender with no origination fees. Get pre-approved in minutes with competitive rates for purchase or refinance.
- US citizen or permanent resident
- Valid income documentation
- Property in eligible state
- Rate
- 9.116–29.99%
- Amount
- $2k–$45k
- Timing
- Same day funding
Fast-funded personal loans from $2,000 to $45,000 with same-day funding. Part of the Rocket Companies ecosystem.
- SSN required
- US address
- Minimum 640 credit score
- Rate
- 2.09–17.99%
- Amount
- Up to $1k
- Timing
- Apply online, quick credit decision
Private student loans for undergrad, grad, and parents. Competitive rates with multiple repayment options. $1,000 to full cost of attendance.
- US citizen or permanent resident
- Enrolled at eligible school
- Creditworthy cosigner may be required
- Rate
- 3.99–24.99%
- Amount
- $8k–$100k
- Timing
- —
Compare auto loan offers from multiple lenders in minutes. New, used, refinance, and lease buyout options. Rates as low as 3.99%.
- US resident
- Age 18+
- Valid SSN
- Rate
- 6.2%
- Amount
- $5k–$250k
- Timing
- Same day
Compare the terms, requirements, and editorial notes before you click through.
- Business at least 2 years old
- Annual revenue $120,000+
- FICO 650+
- Rate
- 6.09–17.99%
- Amount
- $600–$50k
- Timing
- —
Personal loans from $600 to $50,000 with APR starting at 8.49%. No origination fees. Available to all — anyone can join PenFed.
- PenFed membership required (open to all via Voices for Americas Troops association)
- US citizen or permanent resident
- Age 18+
- Rate
- 5.5–7.5%
- Amount
- $50k–$3M
- Timing
- Pre-approval in minutes, closing in 3 weeks
Streamlined mortgage refinance with no origination fees, no lender commissions. 100% online process with 3-week average closing time.
- Minimum credit score 620
- US property owner
- Proof of income and employment
- Rate
- —
- Amount
- —
- Timing
- —
Compare the terms, requirements, and editorial notes before you click through.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 4.15–14.9%
- Amount
- $5k–$500k
- Timing
- Check rate in minutes with no impact on credit score
Refinance student loans with flexible repayment options and no fees. Choose your exact monthly payment or loan term. Skip a payment once per year.
- US citizen or permanent resident
- Bachelor degree from eligible institution
- Minimum credit score required
- Rate
- 5.24–18.0%
- Amount
- $500–$150k
- Timing
- Quick online pre-approval
Digital Federal Credit Union auto loan with rates from 5.24% APR. No application fees and flexible terms.
- US resident
- DCU membership (free to join)
- Valid SSN
- Rate
- —
- Amount
- $2k–$250k
- Timing
- Same day (online decision)
Business lines of credit from $2,000 to $250,000. Apply in minutes, funds available fast. Revenue-based qualification.
- FICO score 660+
- Business at least 1 year old
- Average monthly revenue $3,000+
- Rate
- 9.95–35.99%
- Amount
- $2k–$35k
- Timing
- —
Personal loans from $2,000 to $35,000 with APR from 9.95%-35.99%. Designed for borrowers with fair credit. Funds as soon as next business day.
- US resident
- Age 18+
- Valid SSN
- Rate
- 6.75–15.0%
- Amount
- $15k–$750k
- Timing
- Funding in as few as 5 days
Home equity line of credit with 100% online application. Approval in 5 minutes, funding in 5 days. Draw on your home equity as needed.
- Homeowner with sufficient equity
- Good credit score
- Reliable payment history
- Rate
- 6.99–24.99%
- Amount
- $3.5k–$40k
- Timing
- 1-4 business days
No-fee personal loans from $3,500 to $40,000 for debt consolidation. No origination fees, no prepayment penalties.
- SSN required
- US address
- Good credit history
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