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.
SoFi is one of the leading online lenders offering personal loans up to $100,000 with no origination fees, no prepayment penalties, and no late fees. SoFi stands out for its member benefits including financial planning, career coaching, and unemployment protection.
SoFi requires a minimum credit score of 680 and offers fixed-rate loans with terms from 24 to 84 months. Funds are typically available within a few days of approval.
| Feature | Details |
| Loan amounts | $5,000 – $100,000 |
| APR range | 7.99% – 29.99% (with autopay) |
| Loan terms | 24 to 84 months |
| Origination fee | None |
| Prepayment penalty | None |
| Min. credit score | 680 |
| Time to funding | A few days |
SoFi is ideal for borrowers with good to excellent credit who need larger loan amounts and want a lender with no fees. The member benefits add extra value, particularly the unemployment protection for those concerned about job security.
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.
LightStream, a division of Truist Bank, offers loans up to $100,000 with no fees whatsoever. Same-day funding is available, and they offer a Rate Beat program where they’ll beat any qualifying rate by 0.10%.
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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