Best Personal Loans For Fair Credit Of 2025

.eat-widget-container{border:1px solid #ededed;border-radius:.5rem;box-shadow:0 6px 9px rgba(0,0,0,.06);margin:20px 0;padding:16px}.eat-widget-container .eat-header{display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding-right:48px;word-break:break-word}.eat-widget-container .eat-header h2{border-style:none;margin:0;padding:0}.eat-widget-container .eat-header .eat-heading{color:#181716;font-weight:600;line-height:22px;margin:0 0 0 8px}.eat-widget-container .eat-header p.eat-heading{font-size:20px}@media (min-width:1025px){.eat-widget-container .eat-header p.eat-heading{font-size:24px}}.eat-widget-container .eat-header .eat-forbes-icon{flex-shrink:0;margin-top:2px}@media (min-width:768px){.eat-widget-container .eat-header .eat-forbes-icon{margin-top:1px}}.eat-widget-container .eat-wrapper{display:flex;flex-direction:column;padding-bottom:4px;padding-top:10px}.eat-widget-container .eat-wrapper h2{border-style:none}.eat-widget-container .eat-wrapper p{font-family:Georgia,serif;font-size:16px;line-height:26px}.eat-widget-container .eat-wrapper p:last-child{margin-bottom:0}@media (min-width:1024px){.eat-widget-container .eat-wrapper{flex-direction:row}.eat-widget-container .eat-wrapper.left-section-enabled .left-section,.eat-widget-container .eat-wrapper.right-section-enabled .right-section{width:100%}.eat-widget-container .eat-wrapper.right-section-enabled.left-section-enabled .left-section{width:60%}.eat-widget-container .eat-wrapper.left-section-enabled.right-section-enabled .right-section{padding-left:17px;width:40%}}.eat-widget-container .eat-wrapper ol{list-style-position:outside;list-style-type:decimal;margin-bottom:16px}.eat-widget-container .eat-wrapper ol:last-child{margin-bottom:0}.eat-widget-container .eat-wrapper ol li{font-size:14px;line-height:21px;margin-bottom:12px}.eat-widget-container .eat-wrapper ol li:last-child{margin-bottom:0}.eat-widget-container .eat-wrapper ul{margin:0 0 16px}.eat-widget-container .eat-wrapper ul:last-child{margin-bottom:0}.eat-widget-container .eat-wrapper ul li{font-family:EuclidCircularB,sans-serif;font-size:14px;line-height:21px;list-style-type:none;margin-bottom:12px;padding-left:27px;position:relative}.eat-widget-container .eat-wrapper ul li:last-child{margin-bottom:0}.eat-widget-container .eat-wrapper ul li:before{background:url(“data:image/svg+xml;charset=utf-8,%3Csvg width=’17’ height=’17’ fill=’none’ xmlns=’http://www.w3.org/2000/svg’%3E%3Cg clip-path=’url(%23a)’%3E%3Cpath d=’M15.583 7.852v.652a7.083 7.083 0 1 1-4.2-6.474m4.2.803L8.5 9.923 6.375 7.8′ stroke=’%237894D6′ stroke-width=’2′ stroke-linecap=’round’ stroke-linejoin=’round’/%3E%3C/g%3E%3Cdefs%3E%3CclipPath id=’a’%3E%3Cpath fill=’%23fff’ d=’M0 0h17v17H0z’/%3E%3C/clipPath%3E%3C/defs%3E%3C/svg%3E”) no-repeat;content:””;display:inline-block;height:20px;left:0;position:absolute;right:0;top:2px;width:20px}.eat-widget-container .eat-wrapper .left-section{order:2}@media (min-width:1024px){.eat-widget-container .eat-wrapper .left-section{order:0}}.eat-widget-container .eat-wrapper .right-section{flex-shrink:0;margin-bottom:16px;order:1;word-break:break-word}@media (min-width:1024px){.eat-widget-container .eat-wrapper .right-section{margin-bottom:0;order:0;padding-bottom:0}}.eat-widget-container .eat-wrapper a,.eat-widget-container .eat-wrapper b,.eat-widget-container .eat-wrapper em,.eat-widget-container .eat-wrapper i,.eat-widget-container .eat-wrapper span,.eat-widget-container .eat-wrapper strong{font-family:inherit;font-size:inherit;line-height:inherit}.eat-widget-container .eat-wrapper b,.eat-widget-container .eat-wrapper strong{font-weight:600}.eat-widget-container .eat-header-wrap{cursor:pointer;position:relative}.eat-widget-container .eat-header-wrap:after{background:url(“data:image/svg+xml;charset=utf-8,%3Csvg width=’20’ height=’20’ fill=’none’ xmlns=’http://www.w3.org/2000/svg’%3E%3Cpath fill-rule=’evenodd’ clip-rule=’evenodd’ d=’M15.838 0H4.162c-.527 0-.981 0-1.356.03-.395.033-.789.104-1.167.297A3 3 0 0 0 .327 1.638c-.193.378-.264.772-.296 1.167C0 3.18 0 3.635 0 4.161V15.84c0 .527 0 .981.03 1.356.033.395.104.789.297 1.167a3 3 0 0 0 1.311 1.311c.378.193.772.264 1.167.296.375.031.83.031 1.356.031H15.84c.527 0 .981 0 1.356-.03.395-.033.789-.104 1.167-.297a3 3 0 0 0 1.311-1.311c.193-.378.264-.772.296-1.167.031-.375.031-.83.031-1.356V4.16c0-.527 0-.981-.03-1.356-.033-.395-.104-.789-.297-1.167A3 3 0 0 0 18.362.327c-.378-.193-.772-.264-1.167-.296A17.9 17.9 0 0 0 15.838 0ZM10 5a1 1 0 0 1 1 1v3h3a1 1 0 1 1 0 2h-3v3a1 1 0 1 1-2 0v-3H6a1 1 0 1 1 0-2h3V6a1 1 0 0 1 1-1Z’ fill=’%2344549C’/%3E%3C/svg%3E”) no-repeat;content:””;display:inline-block;height:20px;position:absolute;right:0;top:10px;transform:translateY(-50%);transition:all .3s ease;width:20px}.eat-widget-container .eat-header-wrap.active:after{background:url(“data:image/svg+xml;charset=utf-8,%3Csvg width=’20’ height=’20’ fill=’none’ xmlns=’http://www.w3.org/2000/svg’%3E%3Cpath fill-rule=’evenodd’ clip-rule=’evenodd’ d=’M15.838 0H4.162c-.527 0-.981 0-1.356.03-.395.033-.789.104-1.167.297A3 3 0 0 0 .327 1.638c-.193.378-.264.772-.296 1.167C0 3.18 0 3.635 0 4.161V15.84c0 .527 0 .981.03 1.356.033.395.104.789.297 1.167a3 3 0 0 0 1.311 1.311c.378.193.772.264 1.167.296.375.031.83.031 1.356.031H15.84c.527 0 .981 0 1.356-.03.395-.033.789-.104 1.167-.297a3 3 0 0 0 1.311-1.311c.193-.378.264-.772.296-1.167.031-.375.031-.83.031-1.356V4.16c0-.527 0-.981-.03-1.356-.033-.395-.104-.789-.297-1.167A3 3 0 0 0 18.362.327c-.378-.193-.772-.264-1.167-.296A17.9 17.9 0 0 0 15.838 0ZM6 9a1 1 0 0 0 0 2h8a1 1 0 1 0 0-2H6Z’ fill=’%2344549C’/%3E%3C/svg%3E”) no-repeat}.edit-eat-widget{margin:0 0 10px}@media (min-width:768px){.page-template .eat-widget-container:has(.eat-header-wrap.active),.post-template .eat-widget-container:has(.eat-header-wrap.active),.post-template-default .eat-widget-container:has(.eat-header-wrap.active){padding-bottom:24px}}.page-template .eat-widget-container .eat-header-wrap:after,.post-template .eat-widget-container .eat-header-wrap:after,.post-template-default .eat-widget-container .eat-header-wrap:after{background:url(“data:image/svg+xml;base64,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”) no-repeat}.page-template .eat-widget-container .eat-header-wrap.active:after,.post-template .eat-widget-container .eat-header-wrap.active:after,.post-template-default .eat-widget-container .eat-header-wrap.active:after{background:url(“data:image/svg+xml;base64,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”) no-repeat}.page-template .eat-widget-container .eat-header,.post-template .eat-widget-container .eat-header,.post-template-default .eat-widget-container .eat-header{font-family:Work Sans,sans-serif}.page-template .eat-widget-container .eat-header .eat-forbes-icon,.post-template .eat-widget-container .eat-header .eat-forbes-icon,.post-template-default .eat-widget-container .eat-header .eat-forbes-icon{margin-top:-1px}@media (min-width:768px){.page-template .eat-widget-container .eat-header .eat-forbes-icon,.post-template .eat-widget-container .eat-header .eat-forbes-icon,.post-template-default .eat-widget-container .eat-header .eat-forbes-icon{margin-top:-1px}}.page-template .eat-widget-container .eat-header .eat-heading,.post-template .eat-widget-container .eat-header .eat-heading,.post-template-default .eat-widget-container .eat-header .eat-heading{color:#333}.page-template .eat-widget-container .eat-wrapper,.post-template .eat-widget-container .eat-wrapper,.post-template-default .eat-widget-container .eat-wrapper{padding-bottom:0}.page-template .eat-widget-container .eat-wrapper ul li,.post-template .eat-widget-container .eat-wrapper ul li,.post-template-default .eat-widget-container .eat-wrapper ul li{font-family:Work Sans,sans-serif}.page-template .eat-widget-container .eat-wrapper ul li:before,.post-template .eat-widget-container .eat-wrapper ul li:before,.post-template-default .eat-widget-container .eat-wrapper ul li:before{background:url(“data:image/svg+xml;base64,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”) no-repeat}

Our editors are committed to bringing you unbiased ratings and information. Advertisers do not and cannot influence our ratings. We use data-driven methodologies to evaluate financial products and companies so all are measured equally. You can read more about our editorial guidelines and the personal loans methodology for the ratings below.

44 nationwide lenders researched
16 data points evaluated and scored
Unbiased editorial team
No AI writing

Best Personal Loans for Fair Credit of 2025

Best for a Variety of Loan Options

LendingPoint

Minimum Credit Score

600

APR range

7.99% to 35.99%

with autopay

Loan amounts

$1,000 to $36,500

Via MoneyLion’s Website

600

7.99% to 35.99%

with autopay

$1,000 to $36,500

Editor’s Take

Fair-credit borrowers can access a wide range of loan amounts and terms through LendingPoint.

Why We Like It

LendingPoint offers various loan options with loan amounts from $1,000 to $36,500 and repayment terms from 24 to 72 months—or two to six years.

What We Don’t Like

Borrowers pay origination fees up to 10% of their loan amount.

Who It’s Best For

LendingPoint is best for fair-credit borrowers who need a personal loan between $1,000 to $36,500.

Consumer Sentiment Index

.consumer-sentiment-index-wrap{font-family:EuclidCircularB,sans-serif;margin-bottom:15px}@media (min-width:1024px){.consumer-sentiment-index-wrap{margin-bottom:24px}}.consumer-sentiment-index-wrap .cs-inner-wrap{border:1px solid #ededed;border-radius:8px;padding:15px 11px 11px}@media (min-width:1024px){.consumer-sentiment-index-wrap .cs-inner-wrap{padding:18px 12px}}.consumer-sentiment-index-wrap .cs-top-wrap{display:flex;padding-bottom:16px}@media (min-width:1024px){.consumer-sentiment-index-wrap .cs-top-wrap{padding:0 14px 18px}}.consumer-sentiment-index-wrap .cs-meter-wrap{align-items:center;border-right:1px solid #ededed;display:flex;flex-direction:column;padding-right:16px}@media (min-width:1024px){.consumer-sentiment-index-wrap .cs-meter-wrap{max-width:50%;padding-right:34px}}@media (max-width:407px){.consumer-sentiment-index-wrap .cs-meter-wrap{padding-right:10px}}.consumer-sentiment-index-wrap .cs-meter-wrap.neutral-sentiments .dot-wrapper:after{background:#ffb136}.consumer-sentiment-index-wrap .cs-meter-wrap.negative-sentiments .dot-wrapper:after{background:#eb4015}.consumer-sentiment-index-wrap .csm-inner{align-items:flex-end;display:flex}.consumer-sentiment-index-wrap .csm-inner .tippy-wrap{height:-moz-fit-content;height:fit-content;margin-bottom:12px}.consumer-sentiment-index-wrap .csm-inner .cs-meter-index-tippy{cursor:pointer;outline:none}.consumer-sentiment-index-wrap .outer-svg-wrapper{overflow:hidden;padding:6px 10px}@media (min-width:1024px){.consumer-sentiment-index-wrap .outer-svg-wrapper{margin-left:14px}}.consumer-sentiment-index-wrap .svg-wrapper{height:60px;position:relative;width:120px}.consumer-sentiment-index-wrap .dot-wrapper{–rotateDegree:2deg;border-radius:50%;height:120px;left:0;pointer-events:none;position:absolute;top:0;transform:rotate(var(–rotateDegree));transition:transform .3s ease;width:120px;z-index:1}.consumer-sentiment-index-wrap .dot-wrapper:after{background:#0c7663;border-radius:50%;box-sizing:border-box;content:””;height:14px;left:3px;position:absolute;top:50%;transform:translate(-50%,-50%);width:14px}.consumer-sentiment-index-wrap .consumer-rating-number{bottom:-4px;color:#333;font-size:36px;font-weight:700;left:50%;line-height:44px;position:absolute;transform:translateX(-50%);white-space:nowrap}.consumer-sentiment-index-wrap .cs-index-text{color:#333;font-size:12px;font-weight:400;line-height:15px;margin-top:8px;text-align:center}@media (min-width:1024px){.consumer-sentiment-index-wrap .cs-index-text{font-size:14px;line-height:17.5px}}.consumer-sentiment-index-wrap .insight-analyzed-wrap{display:flex;flex-direction:column;margin-top:auto;padding-left:27px}@media (min-width:1024px){.consumer-sentiment-index-wrap .insight-analyzed-wrap{max-width:50%;padding-left:34px}}@media (max-width:407px){.consumer-sentiment-index-wrap .insight-analyzed-wrap{padding-left:10px}}.consumer-sentiment-index-wrap .ia-top-wrap{align-items:center;display:flex;flex-wrap:wrap;margin-bottom:20px}.consumer-sentiment-index-wrap .ia-top-wrap .tippy-wrap{display:flex}.consumer-sentiment-index-wrap .ia-top-wrap .tippy-wrap .cs-ia-tippy{cursor:pointer;opacity:.6;outline:none}@media (min-width:1024px){.consumer-sentiment-index-wrap .ia-top-wrap{flex-wrap:nowrap;margin-bottom:12px}}.consumer-sentiment-index-wrap .ia-svg-wrap{display:flex;margin-right:12px;max-height:-moz-fit-content;max-height:fit-content}.consumer-sentiment-index-wrap .ia-svg{height:20px;width:20px}@media (min-width:1024px){.consumer-sentiment-index-wrap .ia-svg{height:38px;width:38px}}.consumer-sentiment-index-wrap .ia-wrapper{align-items:center;display:flex;flex-wrap:wrap}.consumer-sentiment-index-wrap .ia-count{color:#003186;font-size:20px;font-weight:600;line-height:25px;margin-right:10px}@media (min-width:1024px){.consumer-sentiment-index-wrap .ia-count{font-size:28px;font-weight:700;line-height:35px;margin-right:4px}}.consumer-sentiment-index-wrap .ia-text{color:#333;font-size:12px;font-weight:400;line-height:15px}@media (min-width:1024px){.consumer-sentiment-index-wrap .ia-text{font-size:14px;line-height:17.5px}}.consumer-sentiment-index-wrap .cs-middle-wrap{border-top:1px solid #ededed;padding-top:20px}@media (min-width:1024px){.consumer-sentiment-index-wrap .cs-middle-wrap{padding-top:16px}}.consumer-sentiment-index-wrap .features-rows-wrap{margin:0}@media (min-width:1024px){.consumer-sentiment-index-wrap .features-rows-wrap{padding-left:14px}.consumer-sentiment-index-wrap .features-rows-wrap .fr-top-info{margin-right:8px;max-width:230px;width:100%}}.consumer-sentiment-index-wrap .feature-row{display:flex;flex-direction:column;font-family:EuclidCircularB,sans-serif;margin-bottom:20px}.consumer-sentiment-index-wrap .feature-row:last-child{margin-bottom:0}@media (min-width:1024px){.consumer-sentiment-index-wrap .feature-row{align-items:center;flex-direction:row;margin-bottom:8px}}.consumer-sentiment-index-wrap .rank-wrap{align-items:center;color:#333;display:flex;font-size:14px;font-weight:400;line-height:21px}.consumer-sentiment-index-wrap .rank-wrap .featire-tippy-wrap{display:inline-block}.consumer-sentiment-index-wrap .rank-wrap .rank-hash{color:inherit;font-size:12px;font-weight:700;line-height:19.2px;margin-right:5px}.consumer-sentiment-index-wrap .rank-wrap .rank-number{color:inherit;font-size:16px;font-weight:700;line-height:25.6px;margin-right:8px}.consumer-sentiment-index-wrap .rank-wrap .feature-name,.consumer-sentiment-index-wrap .rank-wrap .feature-name *{color:#333;display:inline;font-size:14px;font-weight:400;line-height:21px;margin:0}.consumer-sentiment-index-wrap .rank-wrap .tippy-wrap{display:inline-block;height:12px;margin-left:0;opacity:.6;transform:translateY(2px)}.consumer-sentiment-index-wrap .rank-wrap .feature-row-tippy{cursor:pointer;margin-top:1px;outline:none}@media (min-width:1024px){.consumer-sentiment-index-wrap .rank-wrap{font-size:16px;font-weight:500;line-height:24px}.consumer-sentiment-index-wrap .rank-wrap .rank-hash{font-size:16px;font-weight:700;line-height:25.6px}.consumer-sentiment-index-wrap .rank-wrap .rank-number{font-size:20px;font-weight:700;line-height:32px}.consumer-sentiment-index-wrap .rank-wrap .feature-name,.consumer-sentiment-index-wrap .rank-wrap .feature-name *{font-size:16px;font-weight:500;line-height:24px}.consumer-sentiment-index-wrap .rank-wrap .tippy-wrap{margin:0;transform:translateY(1px)}}.consumer-sentiment-index-wrap .insights-analyzed{border:1px solid #007ac8;border-radius:4px;color:#007ac8;font-size:11px;font-weight:400;line-height:14px;margin-bottom:8px;margin-top:4px;padding:3px 8px;width:-moz-fit-content;width:fit-content}@media (min-width:1024px){.consumer-sentiment-index-wrap .insights-analyzed{font-size:12px;line-height:15px;margin:0 0 0 18px}}.consumer-sentiment-index-wrap .row-ia-count{color:#007ac8;font-size:11px;font-weight:700;line-height:14px}@media (min-width:1024px){.consumer-sentiment-index-wrap .row-ia-count{font-size:12px;line-height:15px}}.consumer-sentiment-index-wrap .fr-bottom-bar{–postive_bar:0%;–neutral_bar:0%;–negative_bar:0%;border-radius:4px;cursor:pointer;display:flex;height:16px;overflow:hidden;width:100%}.consumer-sentiment-index-wrap .fr-bottom-bar .fr-bar{border-right:2px solid #fff;color:#fff;font-size:10px;font-weight:700;line-height:16px;min-width:-moz-fit-content;min-width:fit-content;padding:0 6px;transition:all .2s ease}.consumer-sentiment-index-wrap .fr-bottom-bar .fr-bar:last-child{border-right:none}@media (min-width:1024px){.consumer-sentiment-index-wrap .fr-bottom-bar .fr-bar{padding:0 16px}}.consumer-sentiment-index-wrap .fr-bottom-bar .positive-bar{background:#0c7663;width:var(–postive_bar)}.consumer-sentiment-index-wrap .fr-bottom-bar .neutral-bar{background:#ffb136;width:var(–neutral_bar)}.consumer-sentiment-index-wrap .fr-bottom-bar .negative-bar{background:#eb4015;border-radius:0 4px 4px 0;width:var(–negative_bar)}.consumer-sentiment-index-wrap .cs-bottom-summary{color:#333;font-size:14px;font-weight:400;line-height:22.4px;margin-top:16px}@media (min-width:1024px){.consumer-sentiment-index-wrap .cs-bottom-summary{font-size:16px;font-weight:400;line-height:25.6px;margin-top:24px}}.consumer-sentiment-index-wrap .cs-bottom-summary *{color:inherit;font-family:EuclidCircularB,sans-serif;font-size:inherit;font-weight:inherit;line-height:inherit;margin-bottom:14px}.consumer-sentiment-index-wrap .cs-bottom-summary :last-child{margin-bottom:0}.consumer-sentiment-index-wrap .cs-bottom-summary strong{font-weight:700}.consumer-sentiment-index-wrap .cs-bottom-summary a{color:#395bb6}.consumer-sentiment-index-wrap .cs-bottom-summary a a:hover{text-decoration:underline}.consumer-sentiment-index-wrap .cs-bottom-summary ol,.consumer-sentiment-index-wrap .cs-bottom-summary ul{font-family:inherit;list-style:initial;list-style-position:inside;margin-left:0}.consumer-sentiment-index-wrap .cs-bottom-summary ol li,.consumer-sentiment-index-wrap .cs-bottom-summary ul li{list-style-position:inherit;list-style-type:inherit;margin-bottom:0}.consumer-sentiment-index-wrap .cs-bottom-summary ol{list-style:decimal;margin-left:20px}.section-content .consumer-sentiment-index-wrap .cs-bottom-summary a,.section-content .consumer-sentiment-index-wrap .cs-bottom-summary del,.section-content .consumer-sentiment-index-wrap .cs-bottom-summary em,.section-content .consumer-sentiment-index-wrap .cs-bottom-summary p,.section-content .consumer-sentiment-index-wrap .cs-bottom-summary span,.section-content .consumer-sentiment-index-wrap .cs-bottom-summary strong{padding-right:3px}.tippy-box[data-theme=tippy-consumer-index-theme]{background:#fff;border:1px solid #e5e5e5;border-radius:8px;box-shadow:0 0 3px 0 rgba(27,30,35,.102);font-family:EuclidCircularB,sans-serif;max-width:min(285px,90vw)!important;padding:12px;pointer-events:all}.tippy-box[data-theme=tippy-consumer-index-theme]>.tippy-arrow:before{background:#fff;border:1px solid #e5e5e5;border-left:none;border-top:none;bottom:-12px;content:””;display:block;height:12px;position:absolute;transform:translateY(50%) rotate(45deg);width:12px}.tippy-box[data-theme=tippy-consumer-index-theme][data-placement=bottom]>.tippy-arrow{top:0}.tippy-box[data-theme=tippy-consumer-index-theme][data-placement=bottom]>.tippy-arrow:before{bottom:0;transform:translateY(50%) rotate(-135deg)}.tippy-box[data-theme=tippy-consumer-index-theme] .consumer-score-info{align-items:center;color:#000;display:flex;font-size:14px;font-weight:700;line-height:22px;margin-bottom:6px}.tippy-box[data-theme=tippy-consumer-index-theme] .consumer-score-info .consumer-score-number{background:#0c7260;border-radius:4px;color:#fff;font-size:14px;font-weight:700;margin-right:10px;padding:4px 5px}.tippy-box[data-theme=tippy-consumer-index-theme] .consumer-score-info .consumer-score-number.neutral-sentiments{background:#ffb136}.tippy-box[data-theme=tippy-consumer-index-theme] .consumer-score-info .consumer-score-number.negative-sentiments{background:#eb4015}.tippy-box[data-theme=tippy-consumer-index-theme] .consumer-score-description{color:#343538;font-family:Georgia,serif;font-size:12px;font-weight:400;line-height:19px}.tippy-box[data-theme=tippy-consumer-index-theme] .cs-ia-tippy-content-heading{color:#000;font-size:14px;font-weight:700;line-height:22px;margin-bottom:12px}.tippy-box[data-theme=tippy-consumer-index-theme] .cs-ia-tippy-content-subheading{color:#343538;font-family:Georgia,serif;font-size:12px;font-weight:400;line-height:19px}.tippy-box[data-theme=tippy-consumer-index-theme] .tippy-rank-heading{color:#000;font-size:16px;font-weight:600;line-height:26px}.tippy-box[data-theme=tippy-consumer-index-theme] .tippy-rank-subheading{color:#000;font-size:12px;font-weight:600;line-height:19px;margin-bottom:9px}.tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment{color:#343538;font-family:Georgia,serif;font-size:12px;font-weight:400;line-height:19px;margin:0 0 4px;padding-left:16px;position:relative}.tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment .rank-sentiment-percent{font-weight:700}.tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment:before{border-radius:50%;content:””;height:10px;left:0;position:absolute;top:50%;transform:translateY(-50%);width:10px}.tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment.positive:before{background:#0c7663}.tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment.neutral:before{background:#ffb136}.tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment.negative:before{background:#eb4015}.tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment:last-child{margin:0}.post-template-single-cc-review-2021-blade .consumer-sentiment-index-wrap .cs-bottom-wrap ul li:before,.post-template-single-cc-review-2021-blade .consumer-sentiment-index-wrap .cs-middle-wrap ul li:before{display:none}.post-template-single-cc-review-2021-blade .tippy-box[data-theme=tippy-consumer-index-theme]>.tippy-arrow:before{left:-6px}.post-template-single-cc-review-2021-blade .section-content .consumer-sentiment-index-wrap .cs-bottom-summary a,.post-template-single-cc-review-2021-blade .section-content .consumer-sentiment-index-wrap .cs-bottom-summary del,.post-template-single-cc-review-2021-blade .section-content .consumer-sentiment-index-wrap .cs-bottom-summary em,.post-template-single-cc-review-2021-blade .section-content .consumer-sentiment-index-wrap .cs-bottom-summary p,.post-template-single-cc-review-2021-blade .section-content .consumer-sentiment-index-wrap .cs-bottom-summary span,.post-template-single-cc-review-2021-blade .section-content .consumer-sentiment-index-wrap .cs-bottom-summary strong{padding-right:3px}.page-template .consumer-sentiment-index-wrap,.post-template .consumer-sentiment-index-wrap,.post-template-default .consumer-sentiment-index-wrap{font-family:Work Sans,sans-serif}.page-template .consumer-sentiment-index-wrap .feature-row,.post-template .consumer-sentiment-index-wrap .feature-row,.post-template-default .consumer-sentiment-index-wrap .feature-row{font-family:Work Sans,sans-serif;padding-left:0}.page-template .consumer-sentiment-index-wrap .cs-bottom-summary *,.post-template .consumer-sentiment-index-wrap .cs-bottom-summary *,.post-template-default .consumer-sentiment-index-wrap .cs-bottom-summary *{font-family:Georgia,serif}.page-template .consumer-sentiment-index-wrap .cs-bottom-summary ul li,.post-template .consumer-sentiment-index-wrap .cs-bottom-summary ul li,.post-template-default .consumer-sentiment-index-wrap .cs-bottom-summary ul li{padding-left:0}.page-template .tippy-box[data-theme=tippy-consumer-index-theme],.page-template .tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment,.post-template .tippy-box[data-theme=tippy-consumer-index-theme],.post-template .tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment,.post-template-default .tippy-box[data-theme=tippy-consumer-index-theme],.post-template-default .tippy-box[data-theme=tippy-consumer-index-theme] .rank-sentiment{font-family:Work Sans,sans-serif}

6.0

6/10

Consumer Score

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

Consumer Sentiment Index

10,607

How do we calculate

We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5

Insights Analyzed

#
Interest Rates and Fees
For Interest Rates and Fees
64% of people had positive sentiments
13% of people had neutral sentiments
23% of people had negative sentiments
64%
13%
23%
For Interest Rates and Fees
- 64% of people had positive sentiments
- 13% of people had neutral sentiments
- 23% of people had negative sentiments
#
Customer Service
For Customer Service
68% of people had positive sentiments
2% of people had neutral sentiments
30% of people had negative sentiments
68%
2%
30%
For Customer Service
- 68% of people had positive sentiments
- 2% of people had neutral sentiments
- 30% of people had negative sentiments
#
Loan Terms and Flexibility
For Loan Terms and Flexibility
84% of people had positive sentiments
7% of people had neutral sentiments
9% of people had negative sentiments
84%
7%
9%
For Loan Terms and Flexibility
- 84% of people had positive sentiments
- 7% of people had neutral sentiments
- 9% of people had negative sentiments
#
Ease of Approval and Process
For Ease of Approval and Process
95% of people had positive sentiments
2% of people had neutral sentiments
3% of people had negative sentiments
95%
2%
3%
For Ease of Approval and Process
- 95% of people had positive sentiments
- 2% of people had neutral sentiments
- 3% of people had negative sentiments

Borrowers appreciate the easy application process and robust customer service but criticize the high interest rates and misleading prequalification process. Some borrowers are concerned about LendingPoint’s perceived predatory practices and poor handling of loans post-approval.

Pros & Cons

Quick funding
Low credit score requirements
No prepayment penalty

Origination fee up to 10%
Co-signers or joint loans not permitted
Not available in Nevada and West Virginia

Details

Eligibility:

Minimum credit score. 600
Minimum annual income. $35,000
Co-signers. Not permitted

Customer service

After testing and evaluating LendingPoint’s customer service, we found it to be one of the most helpful and transparent lenders on our list after waiting only 46 seconds to be connected to a representative. The customer service representative we spoke with shared an in-depth perspective of their loan offers, including information about loan amounts, eligibility requirements, how interest rates are determined and prequalification.

LendingPoint’s team also disclosed late fees but didn’t confirm origination fees. While customer service didn’t share this information wasn’t, the lender discloses a fee of up to 10% on its website. LendingPoint was also one of few lenders that shared how they report payments to credit bureaus, which it typically does at the start of the month.

Best for Small Amounts

OneMain Financial

Minimum Credit Score

OneMain Financial does not disclose this information

APR range

18.00% to 35.99%

Loan amounts

$1,500 to $20,000

Via Credible.com’s Website

OneMain Financial does not disclose this information

18.00% to 35.99%

$1,500 to $20,000

Editor’s Take

OneMain Financial offers small personal loans starting at $1,500 to $20,000.

Why We Like It

OneMain Financial funds its loans within an hour if you receive your funds via a debit card, but one to two banking days if you choose direct deposit.

What We Don’t Like

OneMain Financial charges either an origination fee that’s 1% to 10% of your loan amount or a flat fee from $25 to $500.

Who It’s Best For

OneMain Financial is best for borrowers who need small loans with fast funding times.

Consumer Sentiment Index

6.2

6.2/10

Consumer Score

Consumer Sentiment Index

5,106

How do we calculate

Insights Analyzed

#
Interest Rates and Fees
For Interest Rates and Fees
13% of people had positive sentiments
14% of people had neutral sentiments
73% of people had negative sentiments
13%
14%
73%
For Interest Rates and Fees
- 13% of people had positive sentiments
- 14% of people had neutral sentiments
- 73% of people had negative sentiments
#
Customer Service
For Customer Service
81% of people had positive sentiments
1% of people had neutral sentiments
18% of people had negative sentiments
81%
1%
18%
For Customer Service
- 81% of people had positive sentiments
- 1% of people had neutral sentiments
- 18% of people had negative sentiments
#
Loan Terms and Flexibility
For Loan Terms and Flexibility
36% of people had positive sentiments
31% of people had neutral sentiments
33% of people had negative sentiments
36%
31%
33%
For Loan Terms and Flexibility
- 36% of people had positive sentiments
- 31% of people had neutral sentiments
- 33% of people had negative sentiments
#
Ease of Approval and Process
For Ease of Approval and Process
86% of people had positive sentiments
3% of people had neutral sentiments
11% of people had negative sentiments
86%
3%
11%
For Ease of Approval and Process
- 86% of people had positive sentiments
- 3% of people had neutral sentiments
- 11% of people had negative sentiments

Borrowers appreciate the knowledge of customer representatives and the streamlined loan process. However, some borrowers are upset about high interest rates and poor communication. While the customer sentiment trends toward being satisfied, OneMain Financial receives mixed reviews from its borrowers.

Pros & Cons

Designed for borrowers with low credit scores
Offers secured loan options
Evaluates entire credit and income history instead of credit score

Limits only up to $20,000
Can’t be used for business purposes
Charges high APRs

Details

Eligibility:

Minimum credit score required. No minimum credit score requirement
Minimum annual income. No minimum income requirement
Co-borrowers. Not permitted
Co-signers. Permitted

Best for Long Terms

Upgrade

Minimum Credit Score

620

APR range

7.99% to 35.99%

Loan amounts

$1,000 to $50,000

Via Credible.com’s Website

620

7.99% to 35.99%

$1,000 to $50,000

Editor’s Take

Upgrade’s flexible credit score requirements and long loan terms make it a top choice for fair-credit borrowers.

Why We Like It

Upgrade allows for a minimum credit score of 620 and offers loan terms of two to seven years. It also provides a variety of interest-rate discounts.

What We Don’t Like

Borrowers need to be aware of Upgrade’s high maximum annual percentage rate (APR) of 35.99%. Upgrade also charges origination fees between 1.85% and 9.99% of your loan amount. Both of these factors can make its loans costly.

Who It’s Best For

Upgrade personal loans are best for borrowers with limited credit looking for long-term loans.

Consumer Sentiment Index

5.4

5.4/10

Consumer Score

Consumer Sentiment Index

5,884

How do we calculate

Insights Analyzed

#
Interest Rates and Fees
For Interest Rates and Fees
54% of people had positive sentiments
10% of people had neutral sentiments
36% of people had negative sentiments
54%
10%
36%
For Interest Rates and Fees
- 54% of people had positive sentiments
- 10% of people had neutral sentiments
- 36% of people had negative sentiments
#
Customer Service
For Customer Service
67% of people had positive sentiments
3% of people had neutral sentiments
30% of people had negative sentiments
67%
3%
30%
For Customer Service
- 67% of people had positive sentiments
- 3% of people had neutral sentiments
- 30% of people had negative sentiments
#
Loan Terms and Flexibility
For Loan Terms and Flexibility
74% of people had positive sentiments
10% of people had neutral sentiments
16% of people had negative sentiments
74%
10%
16%
For Loan Terms and Flexibility
- 74% of people had positive sentiments
- 10% of people had neutral sentiments
- 16% of people had negative sentiments
#
Ease of Approval and Process
For Ease of Approval and Process
94% of people had positive sentiments
2% of people had neutral sentiments
4% of people had negative sentiments
94%
2%
4%
For Ease of Approval and Process
- 94% of people had positive sentiments
- 2% of people had neutral sentiments
- 4% of people had negative sentiments

Upgrade customers report mixed experiences with its personal loan offerings. Some wins that jump out include the streamlined application process, easy approval and quick funding. But their experiences were not perfect. Some users are dissatisfied with the high APRs and loan fees that make working with Upstart costly.

Pros & Cons

Fair credit accepted
Rate discounts for using autopay and for using loans to pay off existing debt
Free credit health monitoring

Origination fees
Potentially high interest rates

Details

Eligibility

Minimum credit score: 620620
Co-applicants: Permitted
Direct pays third-party creditors: Yes

Customer service

We called Upgrade to gauge the responsiveness of its customer service team and found it to be one of the most responsive lenders on our list. While we waited just over one minute for their team to answer our call—which is not the fastest time—they were transparent and knowledgeable about Upgrade’s loans.

We received information on loan amounts, required documentation, interest rate ranges, approval speed, fees and various perks, like hardship programs and autopay discounts. The representative also confirmed that they report payments to credit bureaus.

Disclosure

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed-rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners. Information on Upgrade’s bank partners can be found at https://www.upgrade.com/bank-partners/.

Best for Joint Loans

LendingClub

Minimum Credit Score

600

APR range

7.90% to 35.99%

Loan amounts

$1,000 to $40,000

Via Credible.com’s Website

600

7.90% to 35.99%

$1,000 to $40,000

Editor’s Take

LendingClub is a full-service online lender that offers personal loans from $1,000 to $40,000. Repayment terms range from two to five years.

Why We Like It

LendingClub has a low barrier to entry with its flexible credit score requirements. It also allows for co-borrowers or joint loans, which can help improve approval odds.

What We Don’t Like

LendingClub charges origination fees of 0% to 8% of your loan amount.

Who It’s Best For

LendingClub personal loans are best for borrowers who want to apply with a co-borrower to improve their approval odds.

Consumer Sentiment Index

6.0

6/10

Consumer Score

Consumer Sentiment Index

10,607

How do we calculate

Insights Analyzed

#
Interest Rates and Fees
For Interest Rates and Fees
64% of people had positive sentiments
13% of people had neutral sentiments
23% of people had negative sentiments
64%
13%
23%
For Interest Rates and Fees
- 64% of people had positive sentiments
- 13% of people had neutral sentiments
- 23% of people had negative sentiments
#
Customer Servic
For Customer Service
68% of people had positive sentiments
2% of people had neutral sentiments
30% of people had negative sentiments
68%
2%
30%
For Customer Service
- 68% of people had positive sentiments
- 2% of people had neutral sentiments
- 30% of people had negative sentiments
#
Loan Terms and Flexibility
For Loan Terms and Flexibility
84% of people had positive sentiments
7% of people had neutral sentiments
9% of people had negative sentiments
84%
7%
9%
For Loan Terms and Flexibility
- 84% of people had positive sentiments
- 7% of people had neutral sentiments
- 9% of people had negative sentiments
#
Ease of Approval and Process
For Ease of Approval and Process
95% of people had positive sentiments
2% of people had neutral sentiments
3% of people had negative sentiments
95%
2%
3%
For Ease of Approval and Process
- 95% of people had positive sentiments
- 2% of people had neutral sentiments
- 3% of people had negative sentiments

Borrowers are typically satisfied with LendingClub and value the competitive interest rates and efficient application process. However, some cite concerns about high origination fees and communication issues.

Pros & Cons

Low credit score requirement
Rate discount for using funds to pay off debt
Accepts co-applicants

Origination fees
High potential rates

Details

Eligibility

Minimum credit score: 600
Co-applicants: Permitted
Direct pays third-party creditors: Yes

Customer service

We tested LendingClub’s customer service to assess how helpful it is for prospective borrowers and found the representative could provide only surface-level answers. For example, after waiting just over one minute to connect with a rep, they confirmed you can set up autopay but did not confirm if any autopay discounts are available. In another case, they mentioned LendingClub charges an origination fee but didn’t disclose anything further like the amount.

However, this does not mean they were not responsive or able to provide helpful information. We connected with a rep in just over one minute. Through our evaluation, we gathered key information, including loan amounts, required documentation such as W-2s and bank statements, loan assistance options and funding turnaround times.

Best for Low Interest Rates

LightStream

Minimum Credit Score

660

APR range

6.49% to 25.29%

with autopay

Loan amounts

$5,000 to $100,000

Via Credible.com’s Website

660

6.49% to 25.29%

with autopay

$5,000 to $100,000

Editor’s Take

LightStream offers personal loans with competitive interest rates and quick turnaround times.

Why We Like It

LightStream’s personal loans advertise competitive interest rates between 6.49% to 25.29%. It can also fund loans the same day you submit your application.

What We Don’t Like

Although LightStream has a minimum credit score requirement of 660, fair-credit borrowers may have trouble qualifying.

Who It’s Best For

LightStream’s personal loans are best for borrowers with fair to good credit who can qualify for low interest rates.

Consumer Sentiment Index

4.0

4/10

Consumer Score

Consumer Sentiment Index

1,791

How do we calculate

Insights Analyzed

#
Interest Rates and Fees
For Interest Rates and Fees
64% of people had positive sentiments
14% of people had neutral sentiments
22% of people had negative sentiments
64%
14%
22%
For Interest Rates and Fees
- 64% of people had positive sentiments
- 14% of people had neutral sentiments
- 22% of people had negative sentiments
#
Customer Service
For Customer Service
19% of people had positive sentiments
1% of people had neutral sentiments
80% of people had negative sentiments
19%
1%
80%
For Customer Service
- 19% of people had positive sentiments
- 1% of people had neutral sentiments
- 80% of people had negative sentiments
#
Loan Terms and Flexibility
For Loan Terms and Flexibility
71% of people had positive sentiments
18% of people had neutral sentiments
11% of people had negative sentiments
71%
18%
11%
For Loan Terms and Flexibility
- 71% of people had positive sentiments
- 18% of people had neutral sentiments
- 11% of people had negative sentiments
#
Ease of Approval and Process
For Ease of Approval and Process
77% of people had positive sentiments
8% of people had neutral sentiments
15% of people had negative sentiments
77%
8%
15%
For Ease of Approval and Process
- 77% of people had positive sentiments
- 8% of people had neutral sentiments
- 15% of people had negative sentiments

LightStream borrowers appreciate the user-friendly application process, fast funding and competitive interest rates. However, there are a handful of concerns about customer service and discrepancies between advertised and actual rates.

Pros & Cons

No origination fee
Rate discounts for using autopay
High loan amounts and extended terms

No feature to direct pay creditors
No option to prequalify without a hard inquiry

Details

Eligibility

Minimum credit score: 660
Co-applicants: Permitted
Direct pays third-party creditors: No

Customer service

We tried to call LightStream to test the quality of its customer service, but they don’t provide a customer service number. If you want to reach their customer service team, you must contact them via email. Its email support is available Monday through Friday, 9:30 am to 7 pm and Saturday, 12 to 4 pm ET.

Best for Large Amounts

SoFi®

Minimum Credit Score

650

APR range

8.99% to 35.49%

with all discounts

Loan amounts

$5,000 to $100,000

Via Credible.com’s Website

650

8.99% to 35.49%

with all discounts

$5,000 to $100,000

Editor’s Take

SoFi is a full-service online lender that offers a range of banking services and personal loans from $5,000 to $100,000.

Why We Like It

SoFi boasts large loan amounts and repayment terms from two to seven years. While it charges no loan fees, you can pay an optional origination fee for a lower interest rate.

What We Don’t Like

SoFi has a fairly high credit score requirement of 650, making its personal loans out of reach for some borrowers.

Who It’s Best For

SoFi personal loans are best for fair-credit borrowers who can meet the minimum credit score requirement and need large loan amounts.

Consumer Sentiment Index

4.2

4.2/10

Consumer Score

Consumer Sentiment Index

3,184

How do we calculate

Insights Analyzed

#
Interest Rates and Fees
ForInterest Rates and Fees
57% of people had positive sentiments
14% of people had neutral sentiments
29% of people had negative sentiments
57%
14%
29%
ForInterest Rates and Fees
- 57% of people had positive sentiments
- 14% of people had neutral sentiments
- 29% of people had negative sentiments
#
Customer Service
For Customer Service
26% of people had positive sentiments
11% of people had neutral sentiments
63% of people had negative sentiments
26%
11%
63%
For Customer Service
- 26% of people had positive sentiments
- 11% of people had neutral sentiments
- 63% of people had negative sentiments
#
Loan Terms and Flexibility
For Loan Terms and Flexibility
56% of people had positive sentiments
23% of people had neutral sentiments
21% of people had negative sentiments
56%
23%
21%
For Loan Terms and Flexibility
- 56% of people had positive sentiments
- 23% of people had neutral sentiments
- 21% of people had negative sentiments
#
Ease of Approval and Process
For Ease of Approval and Process
64% of people had positive sentiments
10% of people had neutral sentiments
26% of people had negative sentiments
64%
10%
26%
For Ease of Approval and Process
- 64% of people had positive sentiments
- 10% of people had neutral sentiments
- 26% of people had negative sentiments

While some borrowers appreciate SoFi’s simple application and disbursement process, others are dissatisfied with communication and customer service. Borrowers are also frustrated with misleading promotional offers and how their loan inquiries were handled.

Pros & Cons

No origination fees or late fees
Rate discounts for using autopay
Direct pay to third-party creditors

Strong credit may be necessary
Rates higher than other lenders

Details

Eligibility

Minimum credit score: 650
Co-applicants: Permitted
Direct pays third-party creditors: Yes

Customer service

We evaluated SoFi’s customer service experience by calling its team directly. During our assessment, we found that its wait times were some of the longest—one minute and 41 seconds. Once we connected with customer service, its team was able to answer each of our questions effectively.

They disclosed loan amounts, available interest rates, required documents and loan approval times. They also shared information about prequalification and potential fees.

Best for Customer Experience

Avant

Minimum Credit Score

550

APR range

9.95% to 35.99%

Loan amounts

$2,000 to $35,000

Via Credible.com’s Website

550

9.95% to 35.99%

$2,000 to $35,000

Editor’s Take

Fair-credit borrowers who value a quality customer experience should look no further than Avant.

Why We Like It

Avant offers borrowers solid customer service options, including availability seven days a week, a mobile app and an online application. Its Trustpilot ratings are also high.

What We Don’t Like

Avant charges an administration fee of up to 9.99% and late payment fees of $25.

Who It’s Best For

Avant’s personal loans are best for fair-credit borrowers who value customer satisfaction and need a personal loan from $2,000 to $35,000.

Consumer Sentiment Index

4.6

4.6/10

Consumer Score

Consumer Sentiment Index

7,304

How do we calculate

Insights Analyzed

#
Interest Rates and Fees
For Interest Rates and Fees
18% of people had positive sentiments
11% of people had neutral sentiments
71% of people had negative sentiments
18%
11%
71%
For Interest Rates and Fees
- 18% of people had positive sentiments
- 11% of people had neutral sentiments
- 71% of people had negative sentiments
#
Customer Service
For Customer Service
23% of people had positive sentiments
1% of people had neutral sentiments
76% of people had negative sentiments
23%
1%
76%
For Customer Service
- 23% of people had positive sentiments
- 1% of people had neutral sentiments
- 76% of people had negative sentiments
#
Loan Terms and Flexibility
For Loan Terms and Flexibility
67% of people had positive sentiments
12% of people had neutral sentiments
21% of people had negative sentiments
67%
12%
21%
For Loan Terms and Flexibility
- 67% of people had positive sentiments
- 12% of people had neutral sentiments
- 21% of people had negative sentiments
#
Ease of Approval and Process
For Ease of Approval and Process
87% of people had positive sentiments
2% of people had neutral sentiments
11% of people had negative sentiments
87%
2%
11%
For Ease of Approval and Process
- 87% of people had positive sentiments
- 2% of people had neutral sentiments
- 11% of people had negative sentiments

While some borrowers praise Avant’s user-friendly app and fast approval process, others comment negatively about customer service quality, unexplained fees and high interest rates. However, many borrowers appreciate quick loan decisions and funding turnaround times.

Pros & Cons

Secured and unsecured loan options available
Low credit score requirement of 550
Loan terms available up to 60 months

Charges an upfront administrative fee
High minimum APR
Co-signers and co-applicants not allowed

Details

Eligibility

Minimum credit score. 550
Minimum income. Does not disclose
Co-borrowers. Not permitted
Co-signers. Not permitted

Best for an Alternative Qualification Process

Upstart

Minimum Credit Score

620

APR range

6.70% to 35.99%

Loan amounts

$1,000 to $50,000

Via Credible.com’s Website

620

6.70% to 35.99%

$1,000 to $50,000

Editor’s Take

Upstart uses AI to speed up its evaluation process, which considers alternative qualification factors. This allows Upstart to offer more flexible credit requirements.

Why We Like It

While Upstart’s minimum credit score requirement is 620, it also considers borrowers without sufficient credit history.

What We Don’t Like

Upstart charges origination fees up to up to 12% of your loan amount. What’s more, Upstart repayment terms are limited to three- or five-years.

Who It’s Best For

Upstart personal loans are best for prospective borrowers with limited credit histories.

Consumer Sentiment Index

3.4

3.4/10

Consumer Score

Consumer Sentiment Index

2,077

How do we calculate

Insights Analyzed

#
Interest Rates and Fees
For Interest Rates and Fees
28% of people had positive sentiments
14% of people had neutral sentiments
58% of people had negative sentiments
28%
14%
58%
For Interest Rates and Fees
- 28% of people had positive sentiments
- 14% of people had neutral sentiments
- 58% of people had negative sentiments
#
Customer Service
For Customer Service
10% of people had positive sentiments
3% of people had neutral sentiments
87% of people had negative sentiments
10%
3%
87%
For Customer Service
- 10% of people had positive sentiments
- 3% of people had neutral sentiments
- 87% of people had negative sentiments
#
Loan Terms and Flexibility
For Loan Terms and Flexibility
56% of people had positive sentiments
16% of people had neutral sentiments
28% of people had negative sentiments
56%
16%
28%
For Loan Terms and Flexibility
- 56% of people had positive sentiments
- 16% of people had neutral sentiments
- 28% of people had negative sentiments
#
Ease of Approval and Process
For Ease of Approval and Process
66% of people had positive sentiments
8% of people had neutral sentiments
26% of people had negative sentiments
66%
8%
26%
For Ease of Approval and Process
- 66% of people had positive sentiments
- 8% of people had neutral sentiments
- 26% of people had negative sentiments

Upstart borrowers express frustration with high interest rates and origination fees that increase the cost of borrowing. While borrowers found Upstart’s borrowing process simple and quick, others reported issues with customer service, communication and lending practices.

Pros & Cons

Accessible to borrowers with no credit history
Prequalification with a soft credit check
Ability to choose a custom payment date

Charges an origination fee up to 12% of the loan amount
No co-signer option
Only offers three- or five-years terms

Details

Eligibility

Minimum credit score. 620
Minimum income. No minimum but must have a source of income
Co-signers. Not permitted
Co-borrowers. Not permitted

Customer service

We tested Upstart’s customer service quality to evaluate its helpfulness. Through our research, we found Upstart’s team was one of the fastest to answer, as we waited only 39 seconds. However, once connected, the representative was vague. While they disclosed general loan details like loan amounts, fees and interest rate ranges, they were unclear about documentation requirements and approval times.

Summary: Best Personal Loans for Fair Credit of 2025

LendingPoint

5.0

Compare Rates

Via MoneyLion’s Website

Minimum Credit Score

600

Apr Range

7.99% to 35.99%

Loan Amounts

$1,000 to $36,500

OneMain Financial

4.9

Compare Rates

Via Credible.com’s Website

Minimum Credit Score

OneMain Financial does not disclose this information

Apr Range

18.00% to 35.99%

Loan Amounts

$1,500 to $20,000

Upgrade

4.7

Compare Rates

Via Credible.com’s Website

Minimum Credit Score

620

Apr Range

7.99% to 35.99%

Loan Amounts

$1,000 to $50,000

LendingClub

4.7

Compare Rates

Via Credible.com’s Website

Minimum Credit Score

600

Apr Range

7.90% to 35.99%

Loan Amounts

$1,000 to $40,000

LightStream

4.1

Compare Rates

Via Credible.com’s Website

Minimum Credit Score

660

Apr Range

6.49% to 25.29%

Loan Amounts

$5,000 to $100,000

SoFi®

4.0

Compare Rates

Via Credible.com’s Website

Minimum Credit Score

650

Apr Range

8.99% to 35.49% with all discounts

Loan Amounts

$5,000 to $100,000

Avant

3.8

Compare Rates

Via Credible.com’s Website

Minimum Credit Score

550

Apr Range

9.95% to 35.99%

Loan Amounts

$2,000 to $35,000

Upstart

3.7

Compare Rates

Via Credible.com’s Website

Minimum Credit Score

620

Apr Range

6.70% to 35.99%

Loan Amounts

$1,000 to $50,000

COMPANY	FORBES ADVISOR RATING	MINIMUM CREDIT SCORE	APR RANGE	LOAN AMOUNTS	LEARN MORE
LendingPoint	5.0	600	7.99% to 35.99%	$1,000 to $36,500	Compare Rates Via MoneyLion’s Website
OneMain Financial	4.9	OneMain Financial does not disclose this information	18.00% to 35.99%	$1,500 to $20,000	Compare Rates Via Credible.com’s Website
Upgrade	4.7	620	7.99% to 35.99%	$1,000 to $50,000	Compare Rates Via Credible.com’s Website
LendingClub	4.7	600	7.90% to 35.99%	$1,000 to $40,000	Compare Rates Via Credible.com’s Website
LightStream	4.1	660	6.49% to 25.29%	$5,000 to $100,000	Compare Rates Via Credible.com’s Website
SoFi®	4.0	650	8.99% to 35.49% with all discounts	$5,000 to $100,000	Compare Rates Via Credible.com’s Website
Avant	3.8	550	9.95% to 35.99%	$2,000 to $35,000	Compare Rates Via Credible.com’s Website
Upstart	3.7	620	6.70% to 35.99%	$1,000 to $50,000	Compare Rates Via Credible.com’s Website

How To Compare Personal Loans for Fair Credit

Most lenders disclose the information you need to compare your loan options on their website, including loan terms, interest rates, fees and, in some cases, even qualification requirements. However, prequalifying for loan offers can give you a better idea of the rates and terms lenders may offer you without impacting your credit.

Once you’re ready to compare loan offers, consider these loan features:

Annual percentage rate (APR). APR is the total cost of borrowing money, including interest and fees. Comparing your APR offers can be the most efficient way to find the lowest-cost option. Other loan features are also essential to consider.
Loan terms. Each lender offers different loan terms or the time you have to repay a loan. The loan terms influence your monthly payment. Before you accept a loan, be sure you can afford to repay the loan on time.
Loan amounts. If you have fair credit and need a large loan, some lenders may not offer you the full amount. If this is the case, you can narrow down your options depending on where you can get a sufficient loan amount.
Qualification requirements. If you’re applying for personal loans with fair credit, you likely won’t be able to qualify with just any lender. Before applying, be sure you meet the lender’s minimum qualification requirements.
Fees and penalties. Fees and penalties, including origination fees, prepayment penalties and late payment fees, vary between lenders. If, for instance, you plan to repay your loan early, look for lenders that charge no prepayment penalties.
Perks. Some lenders offer perks, such as discounts for automatic payments or payment deferral if you need forbearance. Consider whether you would use these features when comparing your loan options.

How Does Fair Credit Impact Interest Rates?

Most lenders use your score to help determine your ability to manage debt. If you have fair credit (580 to 669 on the FICO scale), it can be challenging to qualify for a lender’s lowest advertised interest rates.

Nonetheless, your credit score is just one part of a loan application. Maintaining a high income or a small amount of debt compared to your income—represented as your debt-to-income (DTI) ratio—can help you qualify for lower rates.

If your application is denied, you’ll receive an adverse action letter explaining the rejection. It can be worthwhile to address the issues noted in the letter before applying for other loans, which may also help you receive lower interest rates.

Average Personal Loan Rates By Credit Score

How To Qualify for the Lowest Possible Rates

Fair credit can make it hard to get the lowest advertised rates, but there are steps you can take to receive lower rates, including:

Improve your credit. You can quickly improve your credit by paying down debts to reduce your credit utilization rate, requesting higher credit limits and correcting any errors on your credit report. If you increase your credit limit, be sure not to use it or your credit utilization rate will increase, which may harm your credit score.
Lower your DTI. Paying down debt (or increasing your income) can reduce your DTI. Lenders use your DTI to determine your ability to repay a loan.
Shop around. Considering a wide range of lenders, including credit unions and online lenders, can help you find the lowest interest rates. Compare prequalification offers to determine which lender is best.

Alternatives to a Fair Credit Loan

If your credit score is sufficient, there are alternatives you can consider, including:

Secured personal loans. With a secured personal loan, borrowers offer up collateral to back the cost of the loan. Secured loans can be easier to qualify for because if you fail to repay the loan, the lender can take possession of your collateral.
Home equity financing. Home equity loans or lines of credit use the equity you’ve built in your home to get funding. These loans may come with lower interest rates than personal loans. However, because your home secures the loan, the lender can repossess your home if you fail to repay.
Credit cards. If you need to cover a short-term financial emergency, credit cards can be an effective tool if you have a plan to repay your debt. Keep in mind, it can be easy to overspend on a credit card, and high APRs and fees can make carrying a balance expensive.
Cash advance apps. Cash advance apps offer short-term loans—typically two weeks—in small amounts. These loans can be a good option to cover a small financial need, but missing payments can lead to late fees and other penalties.
Savings. Saving to cover your expenses rather than taking out a loan will let you avoid interest and the burden of repaying a loan for years to come.
Friends and family. If you have friends or family willing to lend you money, this can be a good option to cover your financial needs. Before accepting any funding, consider writing a promissory note so both parties agree on the loan terms.

Methodology

We reviewed 44 popular lenders based on 20 data points in the categories of customer sentiment index, loan details, loan costs, eligibility and accessibility and the application process. We chose the best lenders based on the weighting assigned to each category:

Customer sentiment index. 40%
Eligibility and accessibility. 25%
Loan details. 15%
Loan costs. 13%
Application process. 7%

We also considered several characteristics within each major category, including available loan amounts, repayment terms, APR ranges and applicable fees. We also looked at minimum credit score requirements, whether each lender accepts co-signers or joint applications and the geographic availability of the lender. Finally, we evaluated each provider’s customer support tools, borrower perks and features that simplify the borrowing process—such as prequalification options and mobile apps.

Where appropriate, we awarded partial points depending on how well a lender met each criterion.

To learn more about how Forbes Advisor rates lenders, and our editorial process, check out our Personal Loans Rating Methodology.

Best Personal Loans for Fair Credit of 2025

Best for a Variety of Loan Options

LendingPoint

Best for Small Amounts

OneMain Financial

Best for Long Terms

Upgrade

Best for Joint Loans

LendingClub

Best for Low Interest Rates

LightStream

Best for Large Amounts

SoFi®

Best for Customer Experience

Avant

Best for an Alternative Qualification Process

Upstart

Summary: Best Personal Loans for Fair Credit of 2025

How To Compare Personal Loans for Fair Credit

How Does Fair Credit Impact Interest Rates?

Average Personal Loan Rates By Credit Score

How To Qualify for the Lowest Possible Rates

Alternatives to a Fair Credit Loan

Methodology

Next Up In Personal Loans

You May Also Like

Money Market Interest Rates Today: June 18, 2025 – Rates At 4.89%

Distressed Debt Investing

Looking Closer at Bonds Inflation Risk

Leave a Reply Cancel reply