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Rates: 11.69 - 35.99%Terms: 3 - 5 yearsCredit Score: 560Loan Amount: $1,000 - $50,000Qualifications:
Minimum credit score: 560
Minimum number of accounts on credit history: 1 account
Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for
Minimum length of credit history: 2 years
Minimum income requirement: None. Lender accepts income from alimony, retirement, child support, Social Security and other sourcesPros:- Offers direct payment to creditors with debt consolidation loans
- Fast funding
- Offers multiple rate discounts
- Offers free credit score access
Cons:- Charges origination fee
- Borrowers can choose from only two repayment term options
Universal Credit personal loans are best for borrowers with low credit scores who want a loan with features that will help their scores. Universal Credit’s -
Rates: 9.57 - 35.99%Terms: 3 - 5 yearsCredit Score: 600Loan Amount: $1,000 - $40,000Qualifications:
Minimum credit score: 600; average borrower score is above 700
Minimum income: None; lender requires proof of income. Borrower average is $100,000 per year
Maximum DTI: 40%
Minimum credit history: 36 months and two accountsPros:- Joint loan option
- Direct payment to creditors with debt consolidation loans
- Option to pre-qualify with a soft credit check
- Option to change your payment date
- Fast funding
Cons:- Origination fee
- No mobile app to manage loan
- Limited term lengths
LendingClub is a digital marketplace that offers totally branchless banking and personal loans between $1,000 and $40,000. The fintech company works with a network of -
Rates: 11.25 - 29.99%Terms: 2 - 5 yearsCredit Score: 640Loan Amount: $5,000 - $40,000Best for: Credit Card ConsolidationQualifications:
Minimum credit score: 640
Minimum credit history: 3 years and 2 accounts
Maximum debt-to-income ratio: 55%
Minimum income: None; lender will assess cash flow
No bankruptcies filed in past two yearsPros:- Pre-qualify with soft credit check
- Direct payment to creditors with debt consolidation loans
- Fast funding
- Hardship program
Cons:- Origination fee
- No rate discount
- No joint, co-sign or secured loan options
- No option to choose initial payment date
Happy Money offers competitive credit card consolidation loans ranging from $3,000 to $40,000. These loans are designed to help consumers pay off their credit card -
Rates: 8.99 - 35.99%Terms: 3 - 5 yearsCredit Score: 600Loan Amount: $2,000 - $50,000Best for: Secured Personal LoansQualifications:
Minimum credit score: 600; borrower average is 700.
Minimum credit history: Three years and three accounts
Minimum income requirement is $3,500; borrower average is $80,000. Borrower must have enough cash flow to cover current financial obligations
Maximum debt-to-income ratio: 40% or 65% including a mortgage; borrower average is 40%
Employment: Must provide proof of income; part-time employees are eligible
Must provide valid U.S. address and Social Security numberPros:- Offers wide range of loan amounts
- Provides secured loan option for homeowners
- Offers direct payment to creditors with debt consolidation loans
Cons:- Origination fee
- No rate discounts
- No option to choose initial payment date
Best Egg is an online lending platform that offers unsecured and secured personal loans through Cross River Bank and Blue Ridge Bank. Qualified borrowers can -
Rates: 7.99 - 29.99%Terms: 2 - 5 yearsCredit Score: 620Loan Amount: $5,000 - $50,000Best for: Debt ConsolidationQualifications:
Minimum credit score: 620; borrower average is 700
Maximum debt-to-income ratio: 45% excluding mortgage
Minimum income: None; borrowers' average household income is $115,000
Minimum credit history: 3 years and 2 accounts
Not actively delinquent on debt and no bankruptcy in the last 24 months
Must be a US citizen, permanent resident or visa holderPros:- Option to pre-qualify with a soft credit check
- Multiple rate discounts
- Direct payment to creditors with debt consolidation loans
- Joint loan options
Cons:- May charge origination fee
- Not available in all states
- No mobile app to manage loan
Achieve is best for borrowers who want to take out a moderate to sizeable amount of money, as the lender has high minimum loan amounts, -
Rates: 6.99% - 24.99%Terms: 3 - 7 yearsCredit Score: 660Loan Amount: $2,500 - $40,000Best for: Debt Consolidation LoansQualifications:
Minimum credit score: 660
Must be at least 18 years old
Must be a U.S. citizen or permanent resident
Must have minimum individual or household annual income of $25,000Pros:- No origination fee
- Option to pre-qualify with a soft credit check
- Fast funding
- Mobile app to manage loan
Cons:- May charge late fee
- No co-sign or joint loan option
- No rate discount
Discover is a digital bank and payment services company known for its credit cards. But Discover also offers other products, including fixed-rate personal loans of -
Rates: 7.99 - 25.49%Terms: 2 - 7 yearsCredit Score: 660Loan Amount: $5,000 - $100,000LightStream is one of the most competitive online lenders in the personal loan space, offering a quick application process, fast funding and low APRs. Because
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Rates: 8.99 - 25.81%Terms: 2 - 7 yearsCredit Score: 650Loan Amount: $5,000 - $100,000SoFi is an online lending platform that offers unsecured personal loans in every state. Loans between $5,000 and $100,000 are available for terms ranging from
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