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The best personal loans offer competitive interest rates, flexible loan amounts, and a wide variety of terms. Here’s how upgrade personal loans compare to other popular lenders:

Upgrade vs SoFi

SoFi personal loans start at $5,000 and range up to $100,000 depending on the purpose of the loan – much larger than loans available through Upgrade. APRs start at around 6% with Autopay, which is similar to the starting rates offered by Upgrade, but SoFi rates peak at around 20% with Autopay. Loans from SoFi are also attractive because, unlike Upgrade, the lender does not charge any setup fees.

Related: Review of LightStream Personal Loans

Upgrade vs. luminous flux

LightStream personal loans range from $5,000 to $100,000 and APRs start at under 3% with automatic payout for certain lending purposes. This makes LightStream loans much more flexible — and affordable — for the most qualified borrowers who need a large loan at competitive rates.

As with Upgrade, loan terms start at just two years, but LightStream offers longer terms of up to 12 years depending on loan size, purpose, and creditworthiness. Additionally, LightStream does not charge any deployment fees, further reducing the overall cost of a loan, especially when compared to Upgrade.

Related: Review of LightStream Personal Loans

Upgrade vs Markus

Like Upgrade, Marcus offers smaller personal loans ranging from $3,500 to $40,000. Rates start at around 7% — slightly higher than Upgrade’s minimum APR — but they end at around 20%, which is much lower than Upgrade’s top rates. Additionally, Marcus does not charge any initiation or late fees. There’s a catch to these lower rates, Marcus has a higher minimum recommended credit score of 660.

Related: Marcus Personal Loan Review