SoFi Personal Loans Review: 2019

SoFi is an online lender that focuses on providing borrowers with low-cost loans. Their underwriting process evaluates the projected cash flows, careers, and education levels of borrowers to offer competitive interest rates.  SoFi is the largest provider of student loan refinancing and provides a variety of options for personal loans. In their own words, SoFi “helps people achieve financial independence to realize their ambitions.” About the Company Founded in 2011, SoFi was…

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Prosper Personal Loans Review: 2019

Prosper is an online loan company that specializes in peer-to-peer lending. The company connects borrowers to investors. One of the company's main goals is to help people “invest in each other in a way that is both financially and socially rewarding.”  The company offers several different types of loans with fixed interest rates. Typically, Prosper funds borrowers with good to excellent credit ratings. Borrowers considered to be “high risk” can be approved,…

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Payoff Personal Loans Review: 2019

Specifically focused on helping individuals eliminate or dramatically reduce their credit card debt, Payoff offers personal debt consolidation loans.  Payoff's personal loans are designed to help customers gain control over their finances before mounting debt greatly impacts their credit scores. Not everyone can qualify for these loans, but Payoff supports those who are approved to overcome their debt in a conscientious, long-term manner.  About the Company Based in Costa Mesa, California, Payoff…

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OppLoans Personal Loans Review: 2019

As a customer-oriented personal lender, OppLoans's stated mission is "to provide financial inclusion to the underbanked population through socially responsible products and an unwavering commitment to our customers." Currently operating in 16 states, the team at OppLoans seeks to help those with low credit scores avoid predatory lenders and rebuild their finances. About OppLoans Also known as Opportunity Financial, OppLoans was founded in 2009. The lender has since become one of the…

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OneMain Financial Personal Loans Review: 2019

Using the tagline "Lending done human," OneMain Financial specializes in offering personal loans with a focus on individual attention to borrowers who may not qualify for conventional bank loans. With branch locations throughout the United States, OneMain provides a mix of online and in-person experiences for those who require financing quickly. About the Company Unlike traditional banks, OneMain Financial provides opportunities for individuals to receive personal loans with qualifications involving factors other…

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NetCredit Personal Loans Review: 2019

NetCredit is an online financial services provider, serving those who have been rejected for a personal loan by traditional brick-and-mortar banks. According to NetCredit's mission statement, they grant customers access to the credit that they need. Offering primarily personal loans and lines of credit, NetCredit currently serves 14 states. About the Company  Founded in 2012 with headquarters in the heart of downtown Chicago, NetCredit is a subsidiary of Enova International, Inc. As…

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LendingPoint Personal Loans Review: 2019

LendingPoint is an online lender that specializes in providing loans to borrowers that don’t have high credit scores. Their mottos include “your score is not your story” and “we believe in saying yes.”  The company offers flexible payment plans and a speedy application process. They claim that loan capital can be delivered as little as one business day after loan approval.  LendingPoint’s focus is on customers with fair credit (as opposed to…

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LightStream Personal Loans Review: 2019

LightStream is an established online personal loan provider for borrowers with good credit. The company aims to provide its customers with a straightforward loan process and attractive borrowing rates. LightStream offers personal loans for a variety of purposes and is completely fee-free. About the Company LightStream focuses on providing innovative personal loans with competitive interest rates to borrowers who have established good credit. They recently appeared NerdWallet's “Best Personal Loans for Home…

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RISE Personal Loans Review: 2019

RISE is a lender primarily targeting borrowers with poor credit using the motto, “a better way to borrow."   Sized up to other lending services such as traditional payday loans, RISE typically comes out with lower rates. Some of RISE's most popular features include flexible loan terms, fast credit approval, rates that decrease over time, credit bureau reporting, and free credit score monitoring. About the Company With headquarters in Fort Worth, TX,…

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Marcus by Goldman Sachs Personal Loans Review: 2019

Marcus by Goldman Sachs is the consumer lending branch of Goldman Sachs Bank USA. Marcus offers personal loans for borrowers with fair to excellent credit. Personal loans can be used for a variety of purposes and terms are flexible. You do not need to have an existing relationship with Goldman Sachs in order to qualify.  About Marcus by Goldman Sachs Goldman Sachs is a well-established, global financial firm. The company got started…

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