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best egg

on NerdWallet’s secure website

Best for quick financing and good or fair credit

4.99-35.99%

*Trustpilot TrustScore as of June 2020. Best Egg personal loans, including the Best Egg Secured Loan, are originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member of the FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Lendered , Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “Best Egg’s Personal Loan,” “Best Egg’s Secured Loan,” and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank as originator of Best Egg’s Personal Loan ,” where applicable. The term, amount, and APR of each loan we offer to you depends on your credit rating, income, payment obligations, loan amount, credit history, and other factors. Your loan agreement will contain specific terms. About half of our customers receive their money the next day. After successful verification, your money can be in your bank account within 1-3 business days. The timing of the available funds at credit approval may vary depending on your bank’s policy. Credit amounts range from $2,000 to $50,000 Massachusetts residents have a minimum loan amount of $6,500; Ne w Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, your total existing Best Egg loan balance must not exceed $50,000. The annual percentage rate (APR) ranges from 4.99% to 35.99%. APR is the cost of borrowing as an annual rate and reflects both your interest rate and an administration fee of 0.99%-5.99% of your loan amount, which is deducted from any loan proceeds you receive. The origination fee for a loan term of 4 years or more is at least 4.99%. Your loan term will affect your APR, which may be higher than our lowest advertised rate. You must have a FICO® score of at least 700 and a minimum individual annual income of $100,000 to qualify for our lowest APR. To assist the government in combating the financing of terrorism and money laundering, federal law requires all financial institutions to obtain, verify, and record information that identifies each individual who opens an account. What it means for you: When you create an account, we ask for your name, address, date of birth and other information that allows us to identify you. We may also ask you to see your driver’s license or other identification document.

$2,000-$50,000

600

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avant

avant

Best for low credit scores

9.95-35.95%

A $5,700 loan with an administration fee of 4.75% and a financing amount of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33. Minimum loan amounts may vary by state. If approved, the actual interest rate and loan amount a customer qualifies for may vary based on creditworthiness and other factors. An administration fee of up to 4.75% is deducted from the loan proceeds. Avant-branded credit products are issued by Webbank, a member of the FDIC

$2,000-$35,000

550

LendingPoint

LendingPoint

on NerdWallet’s secure website

Best for flexible payments

9.99-35.99%

The loan approval is not guaranteed. Actual loan quotes and loan amounts, terms and Annual Percentage Rate (“APR”) may vary based on LendingPoint’s proprietary rating and underwriting system’s assessment of your creditworthiness, financial condition, other factors and supporting documents or information provided by you. Depending on your country of residence, issuance or other fees ranging from 0% to 6% may apply. Following LendingPoint’s final underwriting approval to fund a loan, these funds are often sent via ACH the next business day outside of the holidays. LendingPoint offers loans ranging from $2,000 to $25,000 at rates ranging from 15.49% APR to a maximum of 34.99% APR with terms ranging from 24 to 48 months.

$2,000-$36,500

600

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universal credit

universal credit

on the Universal Credit website

Best for credit-building functions and low credit scores

8.93-35.43%

Personal loans issued through Universal Credit have an APR of 8.93% to 35.93%. All personal loans have a processing fee of 4.25% to 8% that is deducted from the loan proceeds. The lowest interest rates require autopay and the direct payment of part of the existing debt. For example, if you received a $10,000 loan with a term of 36 months and an APR of 27.65% (including an annual interest rate of 22.99% and a one-time processing fee of 6%), you would end up with $9,400 your account and have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR on your loan may be higher or lower and your loan offerings may not have multiple terms available. The actual interest rate depends on creditworthiness, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees can add to the cost of your fixed rate loan. There is no fee or penalty for prepaying a loan.

$1,000-$50,000

560

upstart

upstart

on NerdWallet’s secure website

Best for borrowers with limited credit history or fair credit

5.39-35.99%

Your loan amount will be determined based on your creditworthiness, income and certain other information provided in your loan application. Not all applicants will receive the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000), NM ($5,100), OH ($6,000). financial information. Rate and loan amount are subject to change based on the information provided in your complete application. This offer can only be accepted by the person named in this offer, who is of legal age to enter into a loan agreement, is a US citizen or permanent resident and is a current resident of the US. Duplicate offers are not valid. Completion of your loan is conditional on you meeting our eligibility requirements, having your information verified by us and agreeing to the terms and conditions on the www.upstart.com website. The full range of interest rates available varies by state. The average 5-year loan offered to all lenders using the Upstart platform has an APR of 21.4% and 60 monthly payments of $24.62 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $14,775, including a $582 processing fee. The APR is calculated based on the 5-year rates offered over the last 1 month. There is no down payment and no prepayment penalty. Your APR is determined based on your creditworthiness, income and certain other information provided in your loan application. Not all applicants are admitted. If you accept your loan by 5:00 p.m. EST (excluding weekends or holidays), you will receive your money the next business day. Loans used to fund education-related expenses are subject to a waiting period of 3 business days between loan acceptance and funding per federal law.

$1,000-$50,000

none

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OneMain

One Main Financial

on NerdWallet’s secure website

Best for secured emergency loans

18.00-35.99%

Not all applicants qualify for larger loan amounts or the most favorable loan terms. Credit approval and actual credit terms are dependent on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and the availability of collateral). Larger loan amounts require an initial lien in your name on a motor vehicle that is no more than ten years old and has valid insurance and that corresponds to our value requirements. The maximum annual percentage rate (APR) is 35.99%, subject to government restrictions. The APR is generally higher for loans that are not secured by a vehicle. Depending on the state where you open your loan, the processing fee can be either a lump sum or a percentage of your loan amount. Flat fees vary by state and range from $25 to $300. Percentage fees vary by state and range from 1% to 10% of your loan amount, subject to certain state restrictions on fee levels. Active duty military personnel, their spouses or dependents covered by the Military Lending Act may not pledge a vehicle as collateral for a loan. Proceeds from the OneMain loan cannot be used for post-secondary education expenses as defined by CFPB Regulation Z, such as: B. College, university or vocational training expenses; for business or commercial purposes; buy securities; or for gambling or illegal purposes. Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are an existing customer, the minimum loan amount is $3,100. Ohio: $2,000. Virginia: $2,600. Borrowers (other than existing customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. New York: $20,000. An unsecured loan is a loan where you do not have to provide the lender with any collateral (e.g. a motor vehicle).

$1,500-$20,000

none

The average score is 600 – 650

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SeedFi Borrow & Grow Personal Loans

SeedFi Borrow & Grow Personal Loans

Best for home savings on the loan

6.95-29.99%

$1,200-$7,000

520

Opportunity

Opportunity

on NerdWallet’s secure website

Best for borrowers with no credit history

27.74-35.95%

This is an advertisement for a consumer loan subject to credit rating. Not available in CO, DC, GA, HI, IA, MA, MD, ME, NY and WV. Loans in AZ, CA, FL, ID, IL, MO, NJ, NM, TX, UT and WI are issued by Oportun Inc. Credit in California is granted pursuant to a California Finance Act license. NV Loans from Oportun, LLC. In all other states, loans are issued by MetaBank, NA, a member FDIC. Terms and conditions and government restrictions apply. Visit opportun.com for details.

$300-$10,000

none

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