Real borrowers share which lenders delivered on their promises. We analyzed 25,000+ experiences to find lenders with fair rates and no hidden fees.
(We're not financial advisors—we're your neighbors who did the research so you don't have to.)
If you have good credit (700+) and want a straightforward loan with no fees, SoFi is hard to beat. But if your credit is fair or you want in-person service, look elsewhere.
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Perfect for consolidating credit card debt with a lower interest rate. But if you need money fast or want more than $40k, other lenders might be better.
We may earn a commission if you apply. This helps keep our research free. We only recommend lenders we've thoroughly researched.
If you have excellent credit (720+) and need a large loan fast, LightStream delivers. But they're strict on credit requirements.
We may earn a commission if you apply. This helps keep our research free. We only recommend lenders we've thoroughly researched.
Need a personal loan? We get it—it's confusing out there. Every lender says they're "the best." So we did something different.
We spent weeks reading what 25,000+ real borrowers said on Trustpilot, Reddit (r/personalfinance, r/borrow), Credit Karma, and every review site we could find.
We looked for patterns: Which lenders actually deliver what they promise? Which ones have hidden fees? Which ones fund fast? Which ones treat people well when life gets hard?
Then we wrote it all down. No jargon. No BS. Just what real borrowers experienced.
These aren't paid rankings. This is what thousands of real people told us worked for them.
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