Comparing 21 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.
Avant offers personal loans designed for fair-credit borrowers, with fast funding and a streamlined mobile-first application process.
Prosper is America's first peer-to-peer lender, offering personal loans up to $50,000 funded by individual and institutional investors.
Happy Money (formerly Payoff) focuses exclusively on credit card debt consolidation with fixed-rate personal loans up to $40,000.
Achieve (formerly FreedomPlus) offers personal loans with rate discounts for using a co-borrower, securing the loan, or paying down debt directly.
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.
U.S. Bank offers unsecured personal loans up to $50,000 with no origination fees for both existing customers and new applicants in eligible states.
PenFed Credit Union offers competitive personal loans starting at $600 with no origination fee, open membership for all US residents.
Truist Bank, formed by the merger of BB&T and SunTrust, offers personal loans with no origination fees and a 0.25% autopay discount.
PNC Bank offers unsecured personal loans and lines of credit with no application fees and rate discounts for existing customers with qualifying deposit accounts.
Citizens Bank offers no-fee personal loans up to $50,000 plus one of the most popular student loan refinance programs in the US through Citizens Student Loans.
OppLoans is a fintech offering installment loans to consumers with no or poor credit, with rates lower than payday loans but still triple-digit APR.
Universal Credit, a brand of Upgrade, offers personal loans designed for fair credit borrowers with credit-builder tools and direct creditor payments.
Online loans let you apply, get approved, and receive funds entirely online without visiting a branch. Decisions arrive in minutes and funding can land in your bank account the same day or the next business day.
The leading online personal lenders in the US are SoFi, LightStream, Marcus by Goldman Sachs, Discover, Upstart, Upgrade, Best Egg, and LendingClub Bank. All offer a fully digital experience from pre-qualification to funding.
You complete the application online, the lender runs a soft credit check for pre-qualification, you choose the offer you like, and funds arrive in your bank account in 1 to 4 business days.
Yes, when you borrow from licensed lenders. All major US online lenders (SoFi, LightStream, Marcus, Discover, Best Egg, LendingClub Bank) are either banks themselves or partner with FDIC-insured banks. Verify any lender at the Consumer Financial Protection Bureau (consumerfinance.gov) before applying.
APR includes the interest rate plus origination fees and other lender charges, expressed as a yearly rate. Two loans with the same interest rate can have different APRs if their fees differ. Always compare APRs, not interest rates.
Most US online lenders charge no prepayment penalty. SoFi, LightStream, Marcus, Discover, and Best Egg explicitly allow early payoff without fees. Always confirm the prepayment policy before signing the loan agreement.
A soft pull lets the lender check your credit profile without affecting your FICO score. Most online lenders use soft pulls for pre-qualification, then convert to a hard pull only when you accept the offer and submit a formal application.