PrimeRates provides access to personalized loan offers through our simple and quick pre-qualification application. Once you’re pre-qualified, you can select the best offer for you and finalize the loan application with the lender.
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Simple pre-qual application in less than 1 minute.
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Choose the offer that best fits your needs.
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Finalize your loan offer, get approved, and receive funds.
Best Egg has originated over $24 billion in personal loans since 2014, making it one of the most established online lenders. They offer loans from $2,000 to $50,000 with a minimum credit score of 640.
Best Egg is known for fast funding — often by the next business day — and a straightforward online application process. They also offer secured loan options that can provide lower rates.
| Feature | Details |
| Loan amounts | $2,000 – $50,000 |
| APR range | 8.99% – 35.99% |
| Loan terms | 36 to 60 months |
| Origination fee | 0.99% – 8.99% |
| Min. credit score | 640 |
| Time to funding | 1 business day |
Best Egg is a solid choice for borrowers with fair to good credit who need fast funding. The secured loan option is particularly attractive for homeowners who want to lower their rate by using their home equity.
Best Egg has funded over $24 billion in loans since 2014. They offer a simple online application with funding as fast as one business day. Origination fees range from 0.99% to 8.99%.
SoFi offers some of the largest personal loan amounts available, up to $100,000. SoFi charges no origination fees, no prepayment penalties, and no late fees. Members get access to financial planning, career coaching, and unemployment protection that pauses payments if you lose your job.
Upgrade accepts credit scores as low as 580 and offers loans from $1,000 to $50,000. Reports to all three credit bureaus, helping build credit with on-time payments. Funds typically deposited within one business day.
Marcus charges no fees — no origination fees, no prepayment penalties, and no late fees. Backed by Goldman Sachs, Marcus offers competitive rates and flexible payment terms from 36 to 72 months.
Prosper is a peer-to-peer lending marketplace connecting borrowers with individual investors. Offers loans from $2,000 to $50,000 with terms of 24 to 60 months.
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