Best Personal Loans

Last updated: July 24, 2019
Good Credit Loans

LendingClub.com has Helped 2.5+ Million Customers Simplify Their Finances in 10+ Years. Borrow up to $40,000.

  • Best For Good Credit
  • Low, fixed interest rates
  • No prepayment penalties
Won't impact your credit score!
Fair Credit Loans

Over 600,000 people have experienced the convenience of personal loans through Avant. Borrow up to $35,000.

  • Best For Fair Credit
  • No Prepayment Fees
  • Funds As Soon As Tomorrow
Checking your loan options does not affect your credit score.
Poor Credit Loans

More affordable personal loans to help build your credit history. Helped 100,000+ customers as of today. Borrow up to $5,000.

  • Best For Poor Credit
  • Affordable Payments. Personal Service.
  • Funds available in 1 day!
Applying does NOT affect your FICO® credit score!
Good Credit Loans

San Francisco-based Prosper was founded in 2005 and has facilitated more than $15 billion in loans. Borrow up to $40,000.

  • Best For Good Credit
  • Low, fixed interest rates
  • No prepayment penalties
Checking your rate will not affect your credit score
Fair Credit Loans

A trusted lender for more than 100 years. Personalized service in nearly 1,600 locations. Borrow up to $30,000.

  • Best For Fair Credit
  • Some loans may be funded the same day
Checking rates won't affect your credit score
Poor Credit Loans

Our loans are typically used for one-time purchases or debt consolidation.
Borrow up to $100,000.

  • Best For Poor Credit
  • No prepayment penalties!
  • Consolidate debts, eliminate bank fees!
Pre-Qualification Will Not Affect Your Credit Score!
Good Credit Loans

Since its founding in 2014, FreedomPlus has aimed to create a unique and valuable personal loan experience for its customers.
Borrow up to $40,000.

  • Best For Good Credit
  • No hidden fees
  • Same day loan decision
Won't affect your credit score.
Fair Credit Loans

LendingPoint offers personal loans for borrowers with average to bad credit, primarily for debt consolidation.
Borrow up to $25,000.

  • Best For Fair Credit
  • No prepayment penalty
  • Instant decision!
Just checking your options won’t impact your credit score.
Poor Credit Loans

Founded in 2014, Deinde Online Services LLC offers access to personal loans in only 8 states across the USA.
Borrow up to $3,000.

  • Best For Poor Credit
  • Fixed APR
Checking your loan options does not affect your credit score.

Why Consider a Personal Loan?

Personal loans are a form of unsecured debt. This means that the debt doesn’t have an asset that can be repossessed or foreclosed in the event that you default. From a consumer perspective, personal loans are safer than auto loans or mortgages which require you to forfeit your car or home if you default. Of course, a personal loan isn’t free money. And many consumers will take on personal debt to inflate their lifestyle.

At CentSai, we recommend that you apply smart financial behavior when you consider a personal loan. In many cases, saving in advance can eliminate your need for one. Likewise, you may be just as happy choosing a less expensive option that doesn’t require debt. Thinking outside the box may allow you to achieve your goals without taking on debt. But if a personal loan fits into your financial plan, you can compare personal loans online using our list of best personal loans companies.