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.
FreedomPlus (now Achieve Personal Loans) offers personal loans from $5,000 to $50,000. They consider factors beyond your credit score, including your retirement savings and home equity, which can help you qualify for lower rates.
| Feature | Details |
| Loan amounts | $5,000 – $50,000 |
| APR range | 7.99% – 29.99% |
| Loan terms | 24 to 60 months |
| Origination fee | 1.99% – 6.99% |
| Min. credit score | 620 |
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.
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.
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.
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%.
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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