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Real rates from banks and fintechs. Compared side by side, no affiliate bias.

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Personal loans, auto financing, mortgages, and credit-builder products across 40+ markets worldwide.

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From APR

59.0–199.0%

OppLoans

OppLoans Personal Loans
$500–$4k
9–18mo
Same day

→ No minimum credit score

→ Active bank account

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From APR

7.74–35.49%

SoFi

SoFi Debt Consolidation Loan
$5k–$100k
24–84mo
Same day funding available

→ Minimum credit score 680

→ US citizen or permanent resident

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Brigit

Brigit Instant Cash
$50–$250
1–1mo
Minutes

→ Active bank account with regular income deposits

→ No credit check required

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American Express

Kabbage Business Line of Credit
$2k–$250k
1–18mo
Same day (online decision)

→ FICO score 660+

→ Business at least 1 year old

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From APR

4.15–14.9%

Earnest

Earnest Student Loan Refinance
$5k–$500k
—
Check rate in minutes with no impact on credit score

→ US citizen or permanent resident

→ Bachelor degree from eligible institution

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From APR

5.09–18.74%

USAA

USAA Auto Loan for Military Families
$5k–$150k
12–84mo
Pre-approval with 75-day rate lock

→ US military member, veteran, or family

→ USAA membership required

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From APR

49.0–200.0%

MoneyKey

MoneyKey Online Loans
$200–$3.5k
3–12mo
Same business day

→ Active bank account

→ Verifiable income

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From APR

7.74–35.99%

Upgrade

Upgrade Debt Consolidation Loan
$1k–$50k
24–84mo
Next business day funding

→ Minimum credit score 580

→ US citizen or permanent resident

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Dave

Dave ExtraCash
$25–$500
1–1mo
5 minutes

→ Dave Checking account

→ Active bank account with income history

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From APR

4.24–10.37%

SoFi

SoFi Student Loan Refinancing
$5k–$1000.0k
60–240mo
Check rate in minutes, no hard credit pull

→ US citizen or permanent resident

→ Employed or have an offer starting within 90 days

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From APR

5.5–7.5%

Better Mortgage

Better Mortgage Refinance
$50k–$3M
180–360mo
Pre-approval in minutes, closing in 3 weeks

→ Minimum credit score 620

→ US property owner

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From APR

5.24–18.0%

DCU (Digital Federal Credit Union)

DCU Auto Loan
$500–$150k
12–84mo
Quick online pre-approval

→ US resident

→ DCU membership (free to join)

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From APR

89.0–199.0%

CashNetUSA

CashNetUSA
$100–$3k
≤12mo
Same day

→ Active Bank Account

→ Regular Income

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From APR

5.96–35.99%

LendingClub

LendingClub Debt Consolidation Loan
$1k–$40k
24–60mo
Approved in as little as 1 hour, funded next business day

→ Minimum credit score 600

→ US citizen or permanent resident

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From APR

2.09–17.99%

College Ave

College Ave Student Loans
Up to $1k
60–180mo
Apply online, quick credit decision

→ US citizen or permanent resident

→ Enrolled at eligible school

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