How to find easy personal loans online
Getting Easy Personal Loans online can be easy if you work with the right lender. This article will cover how to secure a same-day online loan, and how to find a reputable lender.
What are online easy personal loans?
Securing a loan online is an alternative to more traditional loan methods like credit unions and banks. They come in a variety of borrowing amounts and interest rates. Most online loans are unsecured, meaning that they aren’t backed by collateral such as a home or a vehicle.
Online loans from Advance America include a very quick and easy application process, with decisions on your application in minutes. With direct deposit or in-store cash funding, getting money in your hands can happen in less than 24 hours.
Reasons to get easy personal loans online
Some online lenders offer the following benefits:
- You don’t need perfect credit: Online lenders typically don’t have strict credit score minimums and they often consider more than just your credit report when making a lending decision. For example, some lenders may also look at other factors such as your income and credit history.
- Convenient: You’ll be able to finish the entire application process from your computer. While some online lenders also have brick-and-mortar stores, you won’t necessarily need to visit one (depending on your state and the type of loan you want to take out), especially if you opt for a direct deposit to your bank account.
- Easy application process: Many online lenders have a quick online application process. You won’t encounter long, multi-page applications or have to gather armfuls of financial documents. Our online loan applications with Advance America are typically completed in less than five minutes.
- Instant decision: You’ll know instantly whether or not you’ve qualified at Advance America, allowing you to finalize your loan minutes after you complete your application.
Can I get a same-day online easy personal loans?
Yes, some online lenders also allow you to get same-day loans. If your loan gets approved, you might be able to get cash the day you apply. If you need money fast, this can be a lifesaver. In some cases you might receive the money within 24 hours, depending on the time of day that you submit your application.
At Advance America, we can often offer same-day funds as long as your application is approved before 10:30 AM EST, but when you earn approval after that, you’ll still get your funds on the following banking day.
Types of same-day online loans
Types of same-day online loans include:
A payday loan, also known as a cash advance, is a short-term loan that is often a small dollar amount. The idea is that you’ll be able to pay it off by your next paycheck, which can help you avoid having to pay a late fee or having a check bounce.
An installment loan is often used for larger loans than payday loans, and gives you more time to repay. You can typically receive the money within 24 hours and then pay
it off within 2 to 24 months (loan terms vary by state).
Lines of credit
A line of credit can give you access to cash up to a specific credit limit. You’ll be able to withdraw money as you need it, and you’ll only have to pay interest on what you actually take out.
How can I find Easy Personal Loans online?
To have an easy time finding a loan online, make sure to consider the following:
- Do you have a steady income? Lenders like to see a steady income as a positive sign that you’ll be able to pay back your loan.
- What’s your debt-to-income ratio? Your debt-to-income ratio measures the amount you owe monthly divided by your monthly income. The lower your DTI, the less risky you’ll seem to lenders.
- What’s your credit score? While some lenders will look at other factors besides your score when deciding on whether to issue you a loan, your score is still used as a determining factor.
4 questions to ask to find a good online lender
Here are 4 questions to ask when looking for a good online lender:
- How are their customer reviews? Take time to read through to see if there are any disgruntled individuals who had a bad experience, or if they’re mostly positive.
- Are they part of any national associations? Seeing that a lender is a member of a group such as the Community Financial Services Association can give you confidence that they’re a legitimate business that cares about their customers.
- Are their rates and fees transparent? All rates and fees should be very clearly stated. If the loan’s terms seem ambiguous or you feel like you’re going in circles when you try to find information, look elsewhere.
- Do they have a clear and quick approval process? Their application and approval process should be straightforward and quick, making it easy for you to apply and receive a decision on your application. If you’re being asked to make an initial payment as a ‘show of faith’, it’s probably a scam.
Advance America’s online loans make it easy to apply, with quick funding
Advance America realizes that our customers live busy lives, so we have worked hard to make every part of our loan application process simple and quick:
- Loan applications: Minutes to complete with minimal documentation required
Our online loan applications take most of our customers less than 5 minutes
to complete. By providing your Social Security number, contact information,
and a recent paystub or proof of income, you can finalize most of our loan
- Loan decisions: Online decisions in an instant, in-store applications in less than 30 minutes
Payday loans, installment loans, and lines of credit with Advance America can earn instant approval decisions when you apply online or in-store.
- Funding and payout: Same-day or by next banking day
When we can process your loan application before 10:30 AM EST, we can often transfer funds directly to you on the same day. If your application is processed later in the day, you’ll get your approved funds by the following banking day. In some states, you can apply online and pick up cash at a location or have the money directly deposited into your bank account.
- Repayment: Easy online or in-store repayment
As you begin to repay your loan, we offer automated payment options to make repaying your loan simple and quick.
“The above information is provided for informational use only. Finance & Savings is not responsible for any loss or damage resulting from your reliance on the material provided. This information is accurate as of the time it is posted, but it may not be updated regularly, so it may not be current information depending on when you read it. You should consult with your own financial professional when making financial decisions.“
Quick easy personal loans
The 3 best quick personal loans for same or next-day funding:
|Lender||Funding time||Interest rate|
|LightStream||Same-day (conditions apply)||3.99% to 19.99%* APR with AutoPay (Rates as of 10/27/2020. Rates vary by loan purpose)||Learn more »|
|Upstart Personal Loan||Next-day||4.66% – 35.99% APR||Learn more »|
|Avant Avant Personal Loans||Next-day||From 9.95% – 35.99% APR||Learn more »|
Other fast and easy personal loans we considered:
|Lender||Funding time||Interest rate|
|Alliant Credit personal loans||Same-day||6.24% to 10.24% APR||Learn more »|
|OneMain Financial Personal loan||Next-day||18.00% – 35.99% APR||Learn more »|
|Best Egg personal loan||Same-or next-day available||5.99%–29.99% APR||Learn more »|
|HSBC personal loans||Same-day for current customers, next-day for anyone else||Starting at 5.99% APR for current customers, 6.99% APR for non-customers||Learn more »|
|LendingPoint personal loans||Next-day||9.99% to 35.99% APR||Learn more »|
|BBVA personal loans||Same-day for customers with a BBVA checking account||5.99% to 29.99%||Learn more »|
|Wells Fargo||Next business day||5.99% to 24.49% APR||Learn more »|
The 8 best personal loans of 2020
- Marcus – Best overall
- LightStream – Highest loan amount
- Payoff – Best for credit card consolidation
- Avant – Best for average credit
- OneMain Financial – Best for same-day funding
- LendingClub – Best P2P lender
- Earnest – Most flexible terms
- SoFi – Best member perks
Marcus – Best overall
Marcus by Goldman Sachs checks all the boxes for the best online lenders. The bank’s easy personal loans have several important features that make Marcus a winner. First of all, the lender’s motto is, “Truly, no fees. Ever.” You don’t have to worry about additional application fees, lending or prepayment fees. And Marcus doesn’t even charge late payment fees either.
The bank’s personal loan rates are competitive, running from 6.99% to 19.99% with an autopay discount. And a special payment deferral feature is helpful if something unexpected comes up Marcus allows you to put off or defer one payment with no interest after you’ve made 12 consecutive ones on time and in full. You won’t be charged a late fee and your credit score won’t be affected.
LightStream – Highest loan amount
LightStream is Suntrust Bank’s online lending division, for customers out of the bank’s service area or that prefer to handle their financial tasks online. LightStream loans are available for up to $100,000 so you can finance nearly anything you need. LightStream doesn’t put restrictions on what you do with the money. You can use the loan to consolidate your debt, buy a vehicle, or fund an emergency.
The loan limits are high, but the interest rates are as low as 4.99% APR, so you don’t have to worry about getting bogged down by high-interest payments. And if you borrow an amount on the higher side, you can opt for a repayment term of up to 144 months, so your monthly payments remain affordable. Choose autopay so your monthly loan payment drafts automatically from your bank account and LightStream will award you with an interest rate discount of 0.50%.
Payoff – Best for credit card consolidation
The payoff has the best online loans for credit card consolidation it’s what Payoff specializes in. The lender doesn’t offer any other types of loans.
If you’re overwhelmed by meeting several credit card payments, consider a debt consolidation loan. Doing so can simplify your life and save you money. You won’t have to worry about several different card payments and due dates. And if you forget to make your payments, you won’t hit with more than one late fee.
A Payoff loan consolidates all your debt into one payment. And the difference in interest rate is significant Payoff’s personal loan rates are as low as 5.99%, compared to the national average card interest rate of 15.53% to 22.76%.
Avant – Best for average credit
If your credit score could be better, your odds of getting approved for a personal loan are best with Avant. Most lenders will save their best loan products for customers with high credit scores. According to Avant, the average customer that receives a loan has a credit score of 600 to 700. Plus, you can apply for a loan to see what Avant’s willing to offer you, without affecting your credit Avant only does a soft credit pull. Avant offers unsecured easy personal loans starting at 9.95%.
One of Avant’s best features is its loan refinancing program. Most loans lock you into an interest rate for a set period of time. Avant’s loan refinancing program is all about building a relationship with the lender. If you’ve made at least six months of payments on time, you could qualify to refinance your loan for better terms. Doing so may help you get a lower interest rate on your existing loan, or you may even be eligible to borrow additional funds.
OneMain Financial– Best for same-day funding
Financial emergencies happen, and when you’re in need of money fast, you don’t have time for the lengthy underwriting process that comes with most traditional loans. OneMain Financial’s personal loans can get you the money you need quickly.
Apply for OneMain Financial’s online easy personal loans in just a few minutes by checking or filling out only 12 boxes. You’ll need to choose your loan type, enter your name, contact information, Social Security number, and income details. Once you check the box agreeing to the terms and conditions and click on ‘submit’, you’ll receive an answer in 10 minutes or less.
Once you’re approved, you can request same-day funding. You’ll need to pick up the check at a location near you if you’re in a hurry. Or you can provide your bank details to request an electronic payment, which takes one to two business days to receive. Have your bank account number and routing number handy to request the electronic transfer.
LendingClub – Best P2P lender
Peer-to-peer lending matches up borrowers with lenders through an online marketplace. And the LendingClub is one of the earliest adopters. The P2P business model gives borrowers more lending options. Individuals willing to make some interest on the money they lend can step in to offer borrowers funding, all through the LendingClub’s platform.
Getting a personal loan from the P2P platform is a bit different than a traditional approach. LendingClub examines an applicant’s income and credit history to assign the prospective borrower with a grade. You won’t be able to see your grade, only the lenders and investors can. The grade classifies you for one of LendingClub’s tiers of interest rates and helps lenders determine if they’re willing to fund your loan.
If you’re in need of a personal loan from LendingClub, give yourself at least two weeks (if not longer). The whole application and approval process takes about seven business days. Once you’re approved, you’ll receive your loan electronically, which may add another couple of days to the process.
Earnest – Most flexible terms
Earnest is best known for its student loans, but also provides online easy personal loans that allow borrowers to set up payment schedules that work best for their needs. Most lenders will set your term length and payment due date, and you don’t have much control over when your payments are due and how much you have to pay. With Earnest, you decide how fast you want to repay the loan and change up the payment amount plus, you can change your mind at any time.
Once your loan is set up, you can make changes to your payment schedule as often as you’d like through the online dashboard or on the mobile app. Login to move your payment due date by pushing it back up to seven days or move it up sooner. You can also increase your monthly minimum payments to speed up your repayment schedule and view how changing the speed and quantity of your payments affect the life of your personal loan.
SoFi – Best member perks
SoFi is different from your average easy personal loans provider. Qualifying for a SoFi loan is like joining a club. Once you’re in, you’ll have access to members-only social events such as dinners, sporting events, and get-togethers. And if you’d like to grow your financial literacy or simply network with other financially-conscious people, head over to the active online forums for advice and talk about money, finances, and careers.
The entertaining and networking perks are a great bonus. But another cool feature you won’t find at other lenders is SoFi’s forbearance program for borrowers who were laid off or lost their job through no fault of their own. The temporary suspension of monthly payments lets you take a breather for up to three months at a time and up to 12 months total over your loan’s length. Interest will still accrue in the three month grace period, but you won’t have to worry about late fees or hits to your credit score.
How does the coronavirus affect personal loans?
The impact of COVID-19 has left millions of Americans without a reliable source of income, and many may be searching for easy personal loans to cover emergency expenses. In response to unprecedented market conditions, some banks have announced new loan offerings and lower interest rates, though many have also begun tightening their eligibility requirements. Borrowers with existing personal loans may be able to take advantage of loan relief programs: While programs vary by lender, it may be possible to temporarily defer payments or waive fees.
What Is a Coronavirus Hardship Loan?
Banks, credit unions, and online lenders across the country are offering coronavirus hardship loans on a case-by-case basis. There’s no official definition of what a “coronavirus hardship loan” is, but many offered right now share some of the following characteristics:
- Deferred payments for three to six months
- Lower interest rates, or even 0%interest
- Shorter loan terms from a few months to a few years
- Smaller loan amounts of $500 to $5,000, designed to tide you over for a short period
- Quick application and funding, with money in your account as soon as the same day
How does a Coronavirus Hardship Loan work?
Coronavirus hardship loans are designed to provide you with just a few weeks’ or months’ worths of funding so that you can pay your bills, especially for heating, housing, and food. They’re meant for people who are undergoing financial hardship, and you may need to prove this by providing a layoff notice from your employer or a bank statement showing that your savings account is drained.
These loans typically come with streamlined applications so you can get the money you need as soon as possible. Some lenders even offer deferred payments so that you won’t have to make payments for a few months. They also frequently offer lower interest rates, so that your payment is more manageable once you are required to make payments.
Hardship loan examples
|Institution||Available coronavirus loans|
|First Citizens Bank (Branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin)||Consumer and business unsecured loans for up to 24 months with a reduced interest rate, no closing costs and no payments for 90 days.|
|Trustco Bank (Branches in Florida, Massachusetts, New Jersey, New York and Vermont)||Reduced-rate personal loans of between $500 and $5,000 at 4.5% APR for up to 12 months|
|Calcite Credit Union (Branches in Michigan)||Fixed solutions loan of up to $3,000 with 0% APR; 90 days with no payment when refinancing a consumer loan|
|Freedom 1st Credit Union (Branches in Ohio)||Emergency loan of up to $2,500 at 5.99% APR for 18 months|
Who a Coronavirus Hardship loan is right for?
A coronavirus hardship loan might be a good call if you’re experiencing a temporary setback, but have a clear plan for earning an income in the foreseeable future. If you’re still employed even at a lower salary than you’re used to or you’re certain you will work again soon, it could be a good option. That’s because even though your lender may defer payments for a short period of time, you will eventually need to start paying.
Keep in mind that the employment landscape also keeps shifting. For example, many service workers were able to start working again after lockdowns eased. But now that coronavirus numbers are on the rise, some local governments are forcing bars and restaurants to close again so that job you’d planned on might not be there by the time payments come due.
So, while a coronavirus hardship loan can help you today, it could make things even more difficult tomorrow if your situation doesn’t improve, or even worsens. It’s a bit of a gamble, and if you can’t return to your current field, you may need to seek other types of employment so you can pay your future bills, including a coronavirus hardship loan. Still, if your job is secure or you’re able-bodied, it could be a good option.
Where can you get a Coronavirus Hardship loan?
If you’re already a credit union member, that’s likely your best place to start. According to the Credit Union National Association, about 80% of credit unions offer coronavirus hardship loans to their members. Make sure to contact your credit union directly because it may not advertise this type of hardship loan even if the credit union offers it.
If you’re not a credit union member, you can locate one near you using the Credit Union Locator. To join a credit union, you’ll need to meet certain membership criteria, which often includes living within a certain area. Credit unions are nonprofit, community-based organizations owned by their members, and they have a mission to provide members with the best terms it can afford which is why you are more likely to find hardship loans here than anywhere else.
Still, banks also offer coronavirus hardship loans, and it’s worth your time to check these out. There also are a few online lenders offering coronavirus hardship loans. Loans from this type of institution often have super-speedy funding times. Many online lenders offered same-day funding for easy personal loans even before Covid times, for example.
Qualifications for Coronavirus Hardship loans
Coronavirus hardship loans typically have the same requirements as personal loans. You may need to meet certain credit criteria, and if your credit is good, you’ll stand a better chance of approval.
One tricky part here is your income. Normally, your odds of approval are better if you have consistent income each month. But if you had that, you likely wouldn’t need a coronavirus hardship loan, and so some lenders have relaxed this requirement. You also may need to prove you’re undergoing a financial hardship to qualify since lenders want to ensure these loans are going to the people who could benefit from them the most.
Alternatives to a Coronavirus Hardship loan
If you’re having a hard time paying your bills, coronavirus hardship loans aren’t your only option. Consider these options either in lieu of or alongside a coronavirus hardship loan:
- Ask for payment extensions, payment plans or discounts. It might be embarrassing to ask for, but especially now, lenders and others you owe money to may be flexible if you keep the lines of communication open, that is.
- Ask to borrow money from friends or family. This is one to consider very carefully, especially if your friends or family are undergoing financial hardships, too. If you pursue this route, we suggest drafting up a legal agreement to make things more official.
- Use 2-1-1 to connect with support services. There is so much available to help you at a local level, it’s hard for us to include it all here. Instead, call 211 on your phone or visit the 211 website to get live help in connecting to support services in your area. This is a free service operated by United Way.
Pros and Cons of using a personal loan to pay off credit card debt
People use personal loans for so many different reasons from buying an RV to paying off medical bills but consolidating your credit card debt may be one of the most popular uses. By taking the proceeds of a personal loan to pay off credit card debt, you can eliminate multiple monthly high-interest card payments and consolidate the debt into one monthly personal loan payment often at a reduced cost.
There are benefits to using a personal loan to pay off a credit card, but it’s not always the best option for everyone. Before you choose a personal loan to pay off your credit card, make sure you know the pros and cons.
4 Benefits to using a personal loan to pay off credit card debt
If your goal is to get out of debt faster than you’d be able to by simply making the monthly minimum credit card payments, applying for a personal loan could be helpful. But a personal loan offers other benefits, as well.
1. You May Earn a Lower Interest Rate
You could pay 20% APR or more if you carry a credit card balance, although borrowers with excellent credit could pay roughly 12% to 17%, depending on the type of card they own.
Personal loans, on the other hand, charge an average interest rate of less than 10%. The best personal loans are even cheaper than that if you have a high credit score. That means you could cut your total interest payment in half and even pay off your debt sooner since you’ll be paying less in interest.
2. Consolidation Streamlines Payments
If you make many different credit card payments every month, it could be difficult to keep track of all the due dates and minimum amounts owed. If you miss a payment or don’t pay at least the amount due, you could face late payment fees and your credit score could drop.
By taking out a personal loan to consolidate your credit card payments, you’ll make one monthly payment to your loan rather than many payments. Reducing the number of payments can free up time and space for other responsibilities.
3. You Could Boost Your Credit Score
Taking out a personal loan increases your credit mix, which makes up 10% of your score. It shows creditors and lenders that you’re responsible with money by carrying many different types of credit and debt.
You’ll also lower your credit utilization by paying down your debt. Your credit utilization is the ratio of how much credit you’re using vs. how much credit is available to you. If you pay off your credit cards, your utilization will go down to 0%. Under 30% and ideally under 10% is considered great credit utilization and can help you improve your score.
4. You May Pay Off Debt Sooner
If you’re only making minimum credit card payments every month, it could take you years or even decades to pay off your balances, depending on how much you owe.
With a personal loan, you can pay off your credit card debt right away and set up a payment plan to repay your one personal loan. Terms vary based on how much you borrow and your lender. If you were on track to pay off your credit cards in 10 years, you could take out a personal loan and pay it off in less than five years. Just be sure you don’t restart the cycle by rebuilding credit card debt.
3 Drawbacks to using a personal loan to pay off credit card debt
There are some potentially negative consequences to consolidating credit card debt by taking out a personal loan, including the cost. Consider these drawbacks, as well, before making a decision.
1. Taking Out a Personal Loan Could Lead to More Debt
A personal loan means you’re borrowing more money. If you take out a personal loan to pay off your credit cards and start to carry a balance on those credit cards again, you’re racking up more debt than you had before.
A personal loan for credit card consolidation isn’t a debt eliminator; use it only if you’ve gone through other options, like increasing credit card payments every month or opening a balance transfer credit card.
2. You’re Not Guaranteed a Lower Interest Rate
Personal loans tend to offer lower interest rates compared to credit cards, but that might not be the case for everyone. If you don’t have stellar credit, you might not qualify for a personal loan. If you qualify for a personal loan with bad credit, your interest rate may not be any lower and could be higher than what you’re paying now.
3. Personal Loans Have Fees, Too
Some lenders charge many different fees, like a late payment fee, origination fee, and insufficient funds fee, for example. Be mindful of this as you’re comparing personal loan lenders.
How to choose the best personal loan?
There are many different personal loan lenders that charge different interest rates and fees and offer various repayment terms. There’s no one set of standards that personal loans follow, which means you could see a wide range of offers based on what you qualify for. When exploring personal loan options, consider:
- Interest rates. The best personal loans will offer the lowest interest rates to those with the highest credit scores. The higher your credit score, the lower your monthly payment will be and the less interest you’ll owe over the life of your loan.
- Terms. Your repayment terms also vary greatly depending on the lender. Some offer repayment terms as short as six months while some are upwards of five to seven years. If you want to pay off your loan sooner, find a lender that offers shorter repayment terms. If you need to keep your monthly payments lower, see if you can find a lender with longer repayment terms.
- Fees. The better your credit score, the more loans you can qualify for that don’t charge origination fees or other charges. If you don’t have great credit, evaluate each lender’s fees and see which ones you’re comfortable with in case you have to pay them. For instance, if you miss a payment, is the late fee $15 or $30?
- Loan amount. Some people don’t need to borrow a lot to pay off their debt, while others need to take out a substantial amount. Each lender offers different minimum and maximum amounts. Along with that, your credit score could impact how much you’re allowed to borrow. The higher your credit score, the more trustworthy you look to lenders, allowing you to borrow more.
Alternatives to a personal loan
While a personal loan is a great option for debt consolidation, it’s not your only one. Review all your options to see which one is the best fit for your finances.
Credit Card Balance Transfer
You may be able to apply for a new credit card that allows you to transfer balances from existing credit cards, perhaps as a lower interest cost to you. The benefits of a credit card balance transfer include:
- Interest-free payments. If you qualify for a 0% APR balance transfer, you won’t pay any extra interest charges for the promotional period, which would allow you to pay down your balance more cheaply.
- No balance transfer fee. Most credit cards charge a fee when you transfer a balance, but you can find a few that waive the balance transfer fee.
- New perks. If you have decent credit, you might qualify for a new card that offers cash back, travel perks or other types of deals for cardholders.
The drawbacks of a credit card balance transfer include:
- Eventual interest charges. If you don’t pay off the balance by the end of the promotional period, you could face interest charges on the remaining balance.
- Loss of promotional offer. Even though interest isn’t accruing, you’re still responsible for making minimum payments every month. If you don’t, you could lose your promotional offer and interest will start to add up on your entire balance.
- Missing out on qualification requirements. If you don’t have decent credit, you may not qualify for a new credit card line.
- Not having a high enough credit limit. Even if you do qualify, your entire balance might not transfer over because the card issuer offers you a lower credit limit than you need. This means you’re on the hook for the balance on your new card and any old cards that carry the remaining balances.
Debt Snowball Or Avalanche
You may also decide the best way for you to tackle your credit card debt is by focusing on extra payments on one of your cards. There are two primary ways people go about this: either the debt snowball or debt avalanche method.
The benefits of using one of these methods include:
- Avoiding new credit lines. If you don’t have great credit or don’t want to take on additional debt, these methods let you focus on paying down your debt with what you have, not adding to your burden.
- Focusing on high interest. With the debt avalanche method, you pay off your debt with the highest interest rate first. This could save you more in the long run.
- Focusing on little wins. The debt snowball method focuses on paying off the debt with the lowest balance first. If you need a quick win, this might be your best bet.
Of course, these payoff methods also have their drawbacks. You may find:
- It’s a slow process. Increasing your payments with only the cash you have on hand right now means you may pay off your debt slower compared to a personal loan.
- Your budget doesn’t work with it. If your budget is already stretched thin as it is, you may not have any extra money to put toward higher credit card payments.
Another Best personal loan rates in 2020
- SoFi: Best overall personal loan
- LightStream: Best personal loan for generous repayment terms
- Avant: Best personal loan for people with bad credit
- Marcus by Goldman Sachs: Best personal loan for debt consolidation
- Best Egg: Best personal loan for low APRs
- Upgrade: Best personal loan for fast funding
- Payoff: Best personal loan for paying credit card debt
- Upstart: Best personal loan for little credit history
- LendingClub: Best personal loan for using a co-signer
- PenFed: Best personal loan for credit union members
- TD Bank: Best personal loan for few fees
- PNC Bank: Best personal loan for in-person visits