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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- 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
- 5.09–18.74%
- Amount
- $5k–$150k
- Timing
- Pre-approval with 75-day rate lock
USAA auto loan for military members and families. Competitive rates with no dealer markup and 75-day rate lock.
- US military member, veteran, or family
- USAA membership required
- Valid US SSN
- 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
- —
- 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
- 7.49–22.44%
- Amount
- $5k–$50k
- Timing
- —
Personal loans from $5,000 to $50,000 with no origination fees. Autopay discount. Existing Citizens customers may get reduced rates.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- —
- Amount
- $25–$500
- Timing
- 5 minutes
Payday advance app offering up to $500 in ExtraCash payday advances with no interest. Get approved in 5 minutes. No credit check required. Payday lending alternative.
- Dave Checking account
- Active bank account with income history
- No credit check
- Rate
- 6.65–15.0%
- Amount
- $15k–$400k
- Timing
- —
Home equity line of credit with 100% online application. Approval in 5 minutes, funding in 5 days. Draw on your home equity as needed.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- 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
- 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
- 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%.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 49.0–200.0%
- Amount
- $200–$3.5k
- Timing
- Same business day
Online payday loans, installment loans, and lines of credit. Simple application available 24/7. Fast approval in minutes with same-day funding. Payday lending and short-term emergency loans since 2011.
- Active bank account
- Verifiable income
- US resident in eligible state
- Rate
- 19.9–35.95%
- Amount
- $300–$10k
- Timing
- Minutes (prequalification), same-day funding
Personal loans for borrowers building credit. No credit history required. Borrow $300 to $18,500. Reports to all 3 credit bureaus.
- No minimum credit score required
- US resident in eligible state
- Valid bank account or debit card
- 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
- 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
- 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
- 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
- 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
- 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
- 6.74–24.49%
- Amount
- $3k–$100k
- Timing
- —
Personal loans from $3,000 to $100,000 with no origination fees. Relationship discount for existing customers. Same-day funding available.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
- Rate
- 5.99–7.5%
- Amount
- $10k–$500k
- Timing
- —
Competitive HELOC rates with no closing costs on lines up to $500,000. Interest-only payment option during draw period.
- Review the key terms and eligibility notes before continuing
- Open the detail page for the full breakdown
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