Personal Loan Reviews
Read NerdWallet reviews of personal loans, plus cash advance and buy now, pay later apps. Compare loans from multiple lenders to get one with costs and features that match your needs.
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NerdWallet's top-rated personal loans
SoFi Personal Loans: 2024 Review
SoFi offers online personal loans with consumer-friendly features for good- and excellent-credit borrowers.
Upgrade Personal Loans: 2024 Review
- Multiple rate discounts.
- Secured and joint loans.
- Mobile app to manage loan payments.
Discover Personal Loans: 2024 Review
- No origination fee.
- Option to pre-qualify with a soft credit check.
- Fast funding.
LightStream Personal Loans: 2024 Review
- No fees.
- Rate discount for autopay.
- Long repayment terms.
Upstart Personal Loans: 2024 Review
- Accepts borrowers new to credit.
- Fast funding.
- Option to change your payment date.
Happy Money Personal Loans: 2024 Review
- Option to pre-qualify with a soft credit check.
- Offers direct payment to creditors.
- No late fee.
Best Egg Personal Loans: 2024 Review
- Option to pre-qualify with a soft credit check.
- Wide range of loan amounts.
- Secured loan options.
LendingClub Personal Loans: 2024 Review
- Joint loan option.
- Direct payment to creditors with debt consolidation loans.
- Option to pre-qualify with a soft credit check.
NerdWallet rates lenders on a scale from 1 to 5 stars. See our personal loan rating methodology.
More loan reviews by category
SoFi Personal Loans: 2024 Review
SoFi offers online personal loans with consumer-friendly features for good- and excellent-credit borrowers.
Upgrade Personal Loans: 2024 Review
- Multiple rate discounts.
- Secured and joint loans.
- Mobile app to manage loan payments.
Discover Personal Loans: 2024 Review
- No origination fee.
- Option to pre-qualify with a soft credit check.
- Fast funding.
LightStream Personal Loans: 2024 Review
- No fees.
- Rate discount for autopay.
- Long repayment terms.
Happy Money Personal Loans: 2024 Review
- Option to pre-qualify with a soft credit check.
- Offers direct payment to creditors.
- No late fee.
Achieve Personal Loans: 2024 Review
- Multiple rate discounts.
- Direct payment to creditors with debt consolidation loans.
- Option to pre-qualify with a soft credit check.
Other ways to borrow: Buy now, pay later and cash advance apps
Varo Cash Advance 2024 Review
Apple Pay Later: 2024 Review
Klover App 2024 Review: Cash Advances in Exchange for Your Data
Sezzle Buy Now, Pay Later: 2024 Review
PayPal Pay in 4: 2024 Review
Zip Buy Now, Pay Later: 2024 Review
Afterpay Buy Now, Pay Later: 2024 Review
Acima Leasing: 2024 Review
Klarna Buy Now, Pay Later: 2024 Review
EarnIn App 2024 Review: Paycheck Advance Loans
These products have their own rating systems. Read our buy now, pay later rating methodology and cash advance apps rating methodology.
Most recent personal loan reviews
Empower App 2024 Review: Cash Advances
Empower’s advances are small but funded quickly. The app may approve gig workers or freelancers with unpredictable income.
Dave App 2024 Review: Cash Advances
Dave’s ExtraCash advance may require more effort — and expense — than it’s worth. The app requires users to open a checking account, pay a membership fee and take extra steps to get an advance.
MoneyLion Instacash 2024 Review: Cash Advances
MoneyLion Instacash gives app users large cash advances in small increments, but you’ll pay a fee to get funds instantly.
Brigit 2024 Review: Paycheck Advances
Brigit is an app that offers cash advances up to $250 plus budgeting and credit-building features — but charges a monthly fee.
SoLo Funds 2024 Review: Peer-to-Peer Cash Advances
SoLo Funds provides peer-to-peer cash advances that may be suitable for small, non-urgent expenses.
Personal Loans With No Credit Check in 2024
No-credit-check loans are easy to get but should usually be considered after lower-cost alternatives.
8 Top Car-Buying Apps
Buying a car can be complicated. These apps offer unique features and helpful tools that can simplify the process.
Santander Personal Loans: 2024 Review
- No origination fee.
- Option to pre-qualify with a soft credit check.
- Direct payment to creditors with debt consolidation loans.
Zable Personal Loans: 2024 Review
- Preapproval option with soft credit check.
- Borrowers can change their repayment date.
- Fast funding.
Auto Approve Auto Loan Refinancing and Lease Buyout Loans: 2024 Review
Auto Approve matches applicants to the best auto refinancing or lease buyout loan from a network of lenders.
Truist Ready Now Loan Review
- Charges fixed fee.
- Offers small loans up to $1,000.
- No credit score requirement.