Comparing 10 offers. Updated June 2, 2026.
SoFi is a leading online lender offering personal loans up to $100,000 with no fees, fast funding, and member perks like unemployment protection.
LightStream is the online lending division of Truist Bank offering unsecured personal loans up to $100,000 with some of the lowest APRs in the US market.
Marcus by Goldman Sachs offers no-fee personal loans with fixed rates, on-time payment rewards, and the backing of one of Wall Street's most trusted names.
Discover offers fixed-rate personal loans with no origination fees, 30-day money-back guarantee, and direct payment to creditors for debt consolidation.
Upstart uses AI to look beyond the credit score, approving borrowers other lenders reject and offering loans from $1,000 to $50,000.
Upgrade offers personal loans from $1,000 to $50,000 with flexible terms up to 7 years and accepts joint applicants and co-signers.
Best Egg specializes in fast, fixed-rate personal loans up to $50,000 with the option to use a vehicle as collateral for lower rates.
LendingClub is one of America's largest personal lenders, offering loans up to $40,000 with joint application options and direct creditor payments.
Rocket Loans, part of the Rocket Companies family, offers fast online personal loans up to $45,000 with same-day funding for qualified borrowers.
Wells Fargo offers unsecured personal loans up to $100,000 with no origination fees and rate discounts for existing customers with qualifying accounts.
A medical loan is an unsecured personal loan used to pay for healthcare expenses not covered by insurance. Common uses are elective surgery, dental work, fertility treatment, cosmetic procedures, vision correction, and unexpected ER bills.
Medical debt is the most common cause of bankruptcy in the US. A personal loan at 10 to 15 percent APR is almost always cheaper than carrying the balance on a hospital payment plan or a credit card at 22 to 29 percent APR. Many lenders also fund within 1 to 3 business days, faster than waiting for medical financing through the provider.
Top lenders for medical expenses include SoFi for prime credit, LightStream for the lowest rates with excellent credit, Marcus by Goldman Sachs for no-fee loans, Upstart for fair credit, and Best Egg for fast funding. Some providers (CareCredit, Prosper Healthcare Lending) specialize in medical financing.
Ask the provider for a self-pay discount, often 20 to 40 percent off the billed amount. Confirm the loan APR, origination fee, and total cost. Avoid medical credit cards with deferred interest if you cannot pay the balance within the promotional window.
A medical loan is a fixed-rate installment loan with predictable monthly payments. CareCredit and other medical credit cards offer deferred interest promotions (often "0 percent for 6 to 24 months") but charge back all interest from day one if the balance is not paid off in time. Loans are safer for most borrowers.
Compare the provider financing APR to a personal loan from SoFi, LightStream, or Discover. Provider plans often look attractive but include the full provider markup. Independent personal loans usually offer 10 to 20 percent lower total cost.
Cosmetic procedures qualify for personal loans from most online lenders since the funds can be used for any purpose. LightStream and SoFi explicitly market personal loans for cosmetic surgery and dental work with no use restrictions.
Yes. Hospital billing departments often discount 20 to 40 percent for cash or self-pay patients. Ask for the "self-pay discount" or "cash pay discount" before financing. Reducing the bill first means borrowing less.