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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link" > Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link" > All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link" > Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link" > CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link" > CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link" > CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link" > CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link" > How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link" > MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2024/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2024" data-outcome="send to link" > Best banks of 2024</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link" > Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link" > Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - 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class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024" > Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards" > Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards" > Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="1" data-text="Small business loans resources" data-outcome="send to link" > Small business loans resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="2" data-text="Small business loan reviews" data-outcome="send to link" > Small business loan reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/business-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="3" data-text="Small business loan calculator" data-outcome="send to link" > Small business loan calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/small-business/how-do-small-business-loans-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-slate font-circular-book" data-preamp="mortgage-dark-mode">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('yT6WCd')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-yT6WCd" 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https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/denny-ceizyk/" class="Link Link--standalone text-black"> Denny Ceizyk</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior writer, Loans</span> </div> </div> <div class="AuthorPreview-license my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>CD Icon</title><path 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2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Debt management</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Denny Ceizyk joined the Bankrate Loans team as a Senior Writer in 2023, providing 30 years of insight from his experience in loan sales and as a personal finance writer to help consumers navigate the lending landscape on their financial journeys.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/denny-ceizyk/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/denny-ceizyk-28188358/?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app" target="_blank" rel="nofollow" aria-label="Connect with Denny Ceizyk on LinkedIn" data-beam-element-clicked id="author_bio_denny_ceizyk_linkedin_icon" data-type="icon" data-location="author_bio_denny_ceizyk" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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<div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('HeVC2o')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-HeVC2o" aria-controls="tooltip-content-HeVC2o" x-bind="trigger"> Rhys Subitch</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-HeVC2o" aria-hidden="true" aria-labelledby="tooltip-trigger-HeVC2o" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/rhys-subitch/" class="Link Link--standalone text-black"> Rhys Subitch</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Personal Loans, Auto Loans, and Debt</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div 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1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 8 Years of personal finance experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Rhys Subitch is a Bankrate editor who leads an editorial team dedicated to developing educational content about personal loans products for every part of life.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/rhys-subitch/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/rhyssubitch/" target="_blank" rel="nofollow" aria-label="Connect with Rhys Subitch on LinkedIn" data-beam-element-clicked id="author_bio_rhys_subitch_linkedin_icon" data-type="icon" data-location="author_bio_rhys_subitch" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn 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class="text-link text-black plain font-circular-bold ">Rhys Subitch</a> </div> </span> </div> <div class="Byline-user md:ml-3"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('JZmVrD')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-JZmVrD" aria-controls="tooltip-content-JZmVrD" x-bind="trigger"> Mark Kantrowitz</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-JZmVrD" aria-hidden="true" aria-labelledby="tooltip-trigger-JZmVrD" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/mark-kantrowitz/" class="Link Link--standalone text-black"> Mark Kantrowitz</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Nationally recognized student financial aid expert</span> </div> </div> <div class="AuthorPreview-expertise my-4"> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Mark Kantrowitz is an expert on student financial aid, the FAFSA, scholarships, 529 plans, education tax benefits and student loans.</div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/mark-kantrowitz/" class="text-link text-black plain font-circular-bold ">Mark Kantrowitz</a> </div> </span> </div> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('F14EJe')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-F14EJe" aria-controls="tooltip-content-F14EJe" x-bind="trigger"> Rhys Subitch</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-F14EJe" aria-hidden="true" aria-labelledby="tooltip-trigger-F14EJe" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/rhys-subitch/" class="Link Link--standalone text-black"> Rhys Subitch</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Personal Loans, Auto Loans, and Debt</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 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0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 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0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 8 Years of personal finance experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Rhys Subitch is a Bankrate editor who leads an editorial team dedicated to developing educational content about personal loans products for every part of life.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/rhys-subitch/" class="Link 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https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/mark-kantrowitz/" class="Link Link--standalone text-black"> Mark Kantrowitz</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Nationally recognized student financial aid expert</span> </div> </div> <div class="AuthorPreview-expertise my-4"> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Mark Kantrowitz is an expert on student financial aid, the FAFSA, 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The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced.</p> <p>Their reviews hold us accountable for publishing high-quality and trustworthy content.</p> </div> <a class="Button Button--primary" href="/financial-review-board/">About our Review Board</a> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="expert-verified-57e6fe1b-1475-44d3-8aef-4e1476c28adf-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> <div class="type-body-three text-white"> <div class="wysiwyg display-inline"> <div>Updated Nov 13, 2024</div></div> </div> </div> </div> <div class="introText md:col-span-3 has-check-list-pq-banner mt-4" data-read-more="container"> <div class="mb-4 text-white"> <p id="intro-text-para" class="mb-2 text-sm leading-snug"> <span class="font-circular-bold"> What to know first:</span> <span id="intro-text-shortened"> The best home improvement loans offer a wide range of loan amounts, terms and APRs (annual percentage rates) to help you finance a home renovation or repair project. These personal loans can be used to improve just about any indoor or outdoor space within your property and funds are typically available the day after approval. Home improvement loan rates currently range from about 7 percent to about 36 percent.</span> <button class="Link Link--standalone text-blue-300 font-circular-bold bg-transparent p-0 mb-2" id="intro-read-more-trigger" data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Read more" >Read more</button> <span class="display-none" id="intro-text-remaining"></span> </p> <div aria-hidden="false" class="introReadMore text-sm text-white mb-2 display-none" id="intro-read-more-content"> <div class="wysiwyg display-inline"> <p>When choosing the best home improvement lenders, Bankrate’s experts prioritized low starting APRs and generous maximum loan amounts to make your projects more affordable.<a class="Link" href="#methodology" target="_blank" rel="noopener"><strong> </strong>Learn more about how we made our picks.</a></p></div> <div class="full-width text-right -mt-6 mb-4"> <button class="Link Link--standalone text-sm text-blue-300 font-circular-bold bg-transparent p-0" id="intro-show-less-trigger" data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Read Less" >Read Less</button> </div> </div> </div> </div> </div> </div> <div class="display-flex flex-direction-column sm:align-items-center mb-8 sm:mb-0"> <div id="rate-table-entry-point-banner" class="bg-white FormPqBanner FormPqBanner-check-list pos-relative box-shadow-1 rounded-lg"> <div class="m-6 md:mx-12 md:mt-6 md: mb-4"> <h2 class="type-heading-three text-xl mb-4 md:mb-4"> Check your personalized rates</h2> <div class="display-flex flex-direction-column md:flex-direction-row-reverse gap-4"> <form class="w-full md:w-1/2 display-flex flex-direction-column flex-direction-row align-items-end md:-mt-12"> <div class="rate-table-entry-point-banner-form-wrapper display-flex align-items-start"> <div id="FormPqBannerFormControl" class="rate-table-entry-point-banner-form-input-wrapper FormControl-wrap mr-3 md:mb-0"> <div class="FormControl FormControl--withLeftIcon" data-format="$"> <label class="FormLabel FormLabel--rightAddon" for="loanAmount">Loan amount</label> <input class="FormInput text-black" type="text" name="loanAmount" id="loanAmount" value="10000"> </div> </div> <button class="rate-table-entry-point-banner-form-button Button Button--primary w-full max-w-none max-h-12 mt-6 md:mb-0 pr-3 pl-3" id="loanAmountFormSubmit" type="submit" data-component-location="DarkSideV1 cta check list pq banner" data-component-position="DarkSideV1 component"> Find my rate</button> </div> </form> <div class="w-full md:w-1/2"> <ul class="m-0"> <li class="flex-item display-flex align-items-center font-normal text-sm pb-2 text-slate"> <svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="20px" height="20px" class="mr-1 flex-shrink-0"> <title>Checkmark</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M20.72 6.657l-1.792-1.79-9.573 9.368-3.778-3.71-1.827 1.789 5.657 5.657L20.72 6.657z" class="checkmark_svg__icon-base" fill="#0157ff"></path> </svg> <span> Compare rates in less than 2 minutes </li> <li class="flex-item display-flex align-items-center font-normal text-sm text-slate"> <svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="20px" height="20px" class="mr-1 flex-shrink-0"> <title>Checkmark</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M20.72 6.657l-1.792-1.79-9.573 9.368-3.778-3.71-1.827 1.789 5.657 5.657L20.72 6.657z" class="checkmark_svg__icon-base" fill="#0157ff"></path> </svg> <span> Checking will not impact your credit score </span> </li> </ul> </div> </div> </div> <div class="display-flex justify-content-center bg-blue-light sm:text-center text-blue-800 rounded-bl-lg rounded-br-lg border-t border-blue-300 px-6 py-2 sm:p-2"> <span> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="20" viewBox="0 0 21 20" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M19.25 6.5625C19.25 3.63313 16.8669 1.25 13.9375 1.25C11.0081 1.25 8.625 3.63313 8.625 6.5625C8.625 7.2225 8.74562 7.85438 8.96688 8.43813H7.6475C7.47 7.84375 7.375 7.21438 7.375 6.5625C7.375 2.93813 10.3131 0 13.9375 0C17.5619 0 20.5 2.93813 20.5 6.5625C20.5 9.05437 19.1106 11.2219 17.065 12.3331L17.0669 10.8531C18.3894 9.88625 19.25 8.3225 19.25 6.5625ZM10.34 18.4454C10.4419 18.4711 10.5525 18.4723 10.6569 18.4442L19.2519 16.1523L19.25 15.5117C19.25 15.3329 19.1775 15.1692 19.045 15.0492C18.9131 14.9298 18.7469 14.8723 18.565 14.8917L13.7144 15.3773C13.3969 15.7186 12.9544 15.9236 12.4869 15.9236C12.4087 15.9236 12.33 15.9179 12.2506 15.9067L8.53625 15.3767L8.71375 14.1386L12.4281 14.6692C12.5875 14.6936 12.7575 14.6198 12.85 14.4811C12.9563 14.3211 12.9831 14.1254 12.9231 13.9429C12.8631 13.7604 12.7262 13.6186 12.5456 13.5529L7.68375 11.7848C7.51875 11.7261 7.335 11.7386 7.18062 11.8204L7.10375 11.8554L4.585 12.7998L3.9225 16.7773L10.34 18.4454ZM18.4406 13.6479C18.9688 13.5973 19.4925 13.7692 19.8838 14.1223C20.2756 14.4767 20.5 14.9829 20.5 15.5117V16.1542C20.5 16.7186 20.1194 17.2142 19.5744 17.3598L10.9781 19.6523C10.82 19.6942 10.6581 19.7148 10.4956 19.7148C10.3381 19.7148 10.18 19.6954 10.0262 19.6554L3.71625 18.0154L3.555 18.9811L0.5 19.9998V17.2579H1.75V18.2654L2.445 18.0342L3.48438 11.7979L1.75 12.1448V15.3829H0.5V11.1204L5.01562 10.2173L4.8225 11.3754L6.63062 10.6979C7.08875 10.4661 7.62563 10.4342 8.11125 10.6104L12.9731 12.3786C13.5163 12.5754 13.9306 13.0042 14.1106 13.5536C14.1669 13.7242 14.1888 13.8986 14.195 14.0723L18.4406 13.6479Z" fill="#151515"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.0649 5.9375H13.3149V4.6875H12.0649V5.9375ZM14.5649 8.4375H15.8149V7.1875H14.5649V8.4375ZM13.3149 10.3125H14.5649V9.6875H17.0649V5.9375H14.5649V4.6875H17.0649V3.4375H14.5649V2.8125H13.3149V3.4375H10.8149V7.1875H13.3149V8.4375H10.8149V9.6875H13.3149V10.3125Z" fill="#0157FF"/> </svg></span> <span class="ml-2 text-sm"> In 2023 we secured personal loans or alternative offers for 99% of our users </span> </div> </div> </div> <div class="Drawer md:col-span-3 text-center sm:text-left mt-2 sm:mt-6"> <button data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Table of contents" data-outcome="open drawer" class="Link Link--standalone DrawerItem DrawerItemFooter bg-transparent pl-0 lg:pl-2" data-target="table-of-contents-modal-drawer" type="button"> Table of contents </button> <div id="table-of-contents-modal-drawer" class="Modal ModalDrawer h-full is-closed p-0" x-data role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="table-of-contents-modal-drawer" data-modal="toggle" aria-label="close"></button> <div class="Modal-container ModalDrawer-container" role="document" > <div class="ModalDrawer-scroller p-6 bg-white box-shadow-four rounded-t-lg"> <div class="ModalDrawer-content m-auto"> <div id="h-toc-link" class="DrawerItemContent"> <div class="wysiwyg display-block w-full"> <p><strong>Table of contents</strong></p> <ul> <li><a class="Link" href="#compare">Compare Bankrate's top picks for home improvement loans</a></li> <li><a class="Link" href="#what-are">What are home improvement loans?</a></li> <li><a class="Link" href="#pros-cons">Pros and cons of home improvement loans</a></li> <li><a class="Link" href="#how-to-compare">How to compare home improvement loans</a></li> <li><a class="Link" href="#how-to-get">How to get a home improvement loan</a></li> <li><a class="Link" href="#alternatives">Alternatives to home improvement loans</a></li> <li><a class="Link" href="#faq">FAQs</a></li> <li><a class="Link" href="#methodology">Methodology</a></li> </ul></div> </div></div> </div> <button class="ModalDrawer-close p-3 w-12 cursor-pointer bg-transparent text-blue md:mr-2 md:mt-2" type="button" data-modal="toggle" data-target="table-of-contents-modal-drawer" aria-label="close"> <svg width="24" height="24" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg></button> </div> </div> <script> addEventListener('load', (_) => { const mymodal = document.getElementById("table-of-contents-modal-drawer"); const container = document.getElementById("modalStack"); container.append(mymodal); window.initModal('table-of-contents-modal-drawer', false); }); </script> <button data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Definition of terms" data-outcome="open drawer" class="Link Link--standalone DrawerItem DrawerItemFooter bg-transparent" data-target="definition-of-terms-modal-drawer" type="button"> Definition of terms </button> <div id="definition-of-terms-modal-drawer" class="Modal ModalDrawer h-full is-closed p-0" x-data role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="definition-of-terms-modal-drawer" data-modal="toggle" aria-label="close"></button> <div class="Modal-container ModalDrawer-container" role="document" > <div class="ModalDrawer-scroller p-6 bg-white box-shadow-four rounded-t-lg"> <div class="ModalDrawer-content m-auto"> <div class="DrawerItemContent"> <div class="wysiwyg display-block w-full"> <p><strong>Definition of terms</strong></p> <p><strong>APR</strong><br />Annual percentage rate, or APR, represents the interest rate plus any additional fees that may impact the annual cost of your loan.</p> <p><strong>Estimated monthly payment</strong><br />How much you can expect to pay on your loan each month based on the loan principal, loan term and interest rate.</p> <p><strong>Term</strong><br />The period of time until your loan achieves maturity and is paid off in completion. Terms can be expressed in months or years, depending on the details of your loan.</p> <p><strong>Total interest and fees</strong><br />Total interest and fees include estimated interest over the life of your loan and origination fees, if applicable.</p> <p><strong>AutoPay</strong><br />Automated payments are recurring monthly charges on a bill's due date that are automatically deducted from the borrower's account. These are normally used for loans, mortgages and other bill payments.</p> <p><strong>Bankrate Score</strong><br />Bankrate's scores for personal loan lenders evaluate 11 data points related to loan costs and terms, as well as customer experience.</p> <p><strong>Max Loan Amount</strong><br />The max loan amount is the largest sum a lender will give. This amount may not be available to borrowers who don't have good or excellent credit.</p> <p><strong>Settlement Fee</strong><br />The estimated range of fees, as a percentage of your total debt amount resolved, that are owed to the debt settlement provider as payment for their services.</p> <p><strong>BBB Rating</strong><br />Represents the Better Business Bureau's opinion of how the business is likely to interact with its customers. The BBB is a non-profit organization which has helped provide unbiased information to consumers for over 100 years. The BBB rating is based on information BBB is able to obtain about the business, including complaints received from the public. 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fill="url(#paint2_linear_8_109)" fill-opacity="0.6"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M34.3675 30.8554C33.9193 30.4123 33.4081 30.032 32.8491 29.7259C33.0427 29.5401 33.2223 29.3413 33.3866 29.1311C34.3081 27.9267 34.7506 26.4459 34.6343 24.9559C34.538 23.3982 33.8563 21.9269 32.7157 20.8146C31.3878 19.5782 29.5941 18.9112 27.7446 18.9661H21.3335V42.6619H28.8902C30.8609 42.7323 32.7752 42.0228 34.1848 40.6994C35.5944 39.3761 36.3754 37.5551 36.345 35.6631C36.3694 33.8735 35.6591 32.1466 34.3675 30.8554ZM27.7442 21.7294C30.3455 21.7294 31.6285 23.4424 31.7462 25.1403C31.8362 26.8912 30.5342 28.4248 28.729 28.6943H24.213V21.7294H27.7442ZM24.213 39.8985H28.8781H28.8899C32.0601 39.8985 33.4765 37.7036 33.4765 35.6631C33.4765 33.7129 32.17 31.454 28.474 31.454H24.213V39.8985Z" fill="white"></path></g><defs><linearGradient id="paint0_linear_8_109" x1="75.2595" y1="69.9259" x2="-11.5279" y2="-11.0977" gradientUnits="userSpaceOnUse"><stop offset="0.417972" stop-color="#00A896" stop-opacity="0"></stop><stop offset="0.70915" stop-color="#EEDBED" stop-opacity="0.4"></stop><stop offset="0.847378" stop-color="#C79FC5" stop-opacity="0.4"></stop></linearGradient><linearGradient id="paint1_linear_8_109" x1="75.2595" y1="69.9259" x2="-11.5279" y2="-11.0977" gradientUnits="userSpaceOnUse"><stop offset="0.117435" stop-color="#00A896" stop-opacity="0"></stop><stop offset="0.181433" stop-color="#3CA5A4" stop-opacity="0.8"></stop><stop offset="0.199787" stop-color="#C79FC5" stop-opacity="0.3"></stop><stop offset="0.70915" stop-color="#E1B5DF" stop-opacity="0.59"></stop><stop offset="0.882568" stop-color="#C79FC5" stop-opacity="0.4"></stop></linearGradient><linearGradient id="paint2_linear_8_109" x1="75.259" y1="69.9259" x2="-11.5284" y2="-11.0977" gradientUnits="userSpaceOnUse"><stop offset="0.117435" stop-color="#00A896" stop-opacity="0"></stop><stop offset="0.181433" stop-color="#3CA5A4" stop-opacity="0.8"></stop><stop offset="0.224694" stop-color="#DEBCDB"></stop><stop offset="0.654486" stop-color="#C79FC5" stop-opacity="0.3"></stop><stop offset="0.70915" stop-color="#E1B5DF" stop-opacity="0.59"></stop><stop offset="0.882568" stop-color="#C79FC5" stop-opacity="0.4"></stop></linearGradient><clipPath id="clip0_8_109"><rect width="55.9736" height="64" fill="white"></rect></clipPath></defs></svg></div><div class="awards-badge-text my-2"><h2 class="uppercase font-sans leading-3 classy-md:leading-6 text-xs classy-md:text-sm text-white inline heading-letter-spacing">Lightstream: Bankrate 2024 awards winner for best personal loan for home improvement.</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/LightStream.png?optimize=medium&format=pjpg&auto=webp" alt="LightStream" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.7 star rating"><div class="RatingStars-iconMask" style="width:94%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/lightstream/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6hkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = <!-- -->4.7<!-- -->/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6hkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.49- 21.94<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left">* with AutoPay</span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-12<!-- --> yrs<span class="Numeral-accent">*</span></div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $100K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">695</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rahkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>LightStream offers some of the lowest minimum APRs reviewed. You can also stretch the payment out on a max loan amount of $100,000 for up to 12 years — a full five years longer than the other lenders on our table. Same-day funding is also available, making LightStream a great choice for last-minute funds if your renovation project is running over budget. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Rahkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Borrowers must have good to excellent credit</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Same-day funding available if loan is approved by 2:30 p.m. ET</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>High maximum loan amount</li><li>Low APRs</li><li>No fees</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Good to excellent credit required</li><li>High minimum loan amount</li><li>No due date flexibility</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rahkm:"><p>*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are .50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 9.99% APR with a term of 3 years would result in 36 monthly payments of $322.62. <span style="color: black;">Truist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.</span></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Upstart: Best for little or no credit history</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Upstart.png?optimize=medium&format=pjpg&auto=webp" alt="Upstart" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.8 star rating"><div class="RatingStars-iconMask" style="width:96%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.8</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/upstart/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6ikm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = <!-- -->4.8<!-- -->/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6ikm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.40- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-5<!-- --> yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$1k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">300</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0"></p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Raikm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Upstart gives homeowners with minimal or no credit history a way to finance home improvements or take care of some deferred maintenance, like chipping paint or worn out carpets. Unlike many lenders, Upstart considers factors beyond your credit score in its lending decisions. Upstart’s minimum loan amount is lower than many other lenders, making it a good choice to upgrade a few appliances or patch up the walls in a bedroom. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Raikm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Valid physical address</li><li>Social Security number</li><li>Verifiable personal bank account</li><li>Steady income or job offer starting within six months</li><li>Earn a minimum annual income of $12,000</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Origination fee of up to 12%</li><li>Late payment fee of 5% of the past due amount or $15, whichever is greater</li><li>$15 check return fee</li><li>$10 paper copy fee</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Next business day after approval</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>May qualify with no credit history</li><li>Low minimum loan amount</li><li>Quick funding</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Potentially large origination fee</li><li>Limited repayment term options</li><li>No rate discount for autopay</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Raikm:"><p>The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved. </p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Achieve: Best for pre-renovation debt consolidation</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Achieve Personal Loans.png?optimize=medium&format=pjpg&auto=webp" alt="Achieve" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.7 star rating"><div class="RatingStars-iconMask" style="width:94%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/achieve/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6jkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = <!-- -->4.7<!-- -->/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6jkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">8.99- 29.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-5<!-- --> yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">620</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rajkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Achieve is Bankrate’s 2024 winner for best debt consolidation lender. If your credit score is low because of maxed-out cards, an Achieve loan could help you consolidate your balances and boost your credit. That may give your scores the boost you need to get a low-rate home improvement loan in the future. </p><p><br></p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Rajkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Proof of income and employment</li><li>Social Security number</li><li>Proof of identity</li><li>Minimum credit score of 620</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Origination fee of 1.99% to 6.99%</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Within 24 to 72 hours of approval</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Allows co-signers</li><li>Fast funding</li><li>Personal loan consultant</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Not available in every state</li><li>Minimum credit score of 620 required</li><li>Origination fee</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rajkm:"><p>“Personal loans available through Achieve.com (NMLS #138464) or Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 35.99% and include applicable origination fees that vary from 1.99% to 6.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49%, and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time.”</p><p><br></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Citi: Best for no fees</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Citi.png?optimize=medium&format=pjpg&auto=webp" alt="Citi® Personal Loan" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.6 star rating"><div class="RatingStars-iconMask" style="width:92%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.6</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/citi/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6kkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = <!-- -->4.6<!-- -->/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6kkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">11.49- 20.49<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">1-5<!-- --> yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$2k- $30K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">720</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rakkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Citi is one of the only lenders reviewed that doesn’t charge any fees. That means you won’t pay an origination fee, late payment or prepayment penalty with a Citi personal loan. You could also get a 0.5 percent rate discount if you set up autopay when you apply. </p><p><br></p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Rakkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Steady income</li><li>At least 18 years old</li><li>Social Security number</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Same day or within two business days of approval for direct deposit, within five days for check</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Zero fees</li><li>Multiple discounts</li><li>Quick funding</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Limited loan amounts</li><li>High minimum credit score</li><li>No joint applications</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rakkm:"><p>Rates as of 8-01-2024. Your APR may be as low as 11.49% or as high as 20.49% for the term of your loan. The lowest rate quoted assumes excellent credit and a loan term of 24 or 36 months. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Citi offers personal loans with a period of repayment between 12 and 60-month terms. For example, if you borrow $10,000 for 36 months at 15.99% APR, to repay your loan you will have to make 36 monthly payments of approximately $351.52.</p><p>There is a 0.5% APR discount if you enroll in automatic payments at loan origination. Additionally, existing Citigold and Citi Priority customers will receive a 0.25% discount to the APR. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.</p><p>To check for offers you may qualify for, Citi conducts a soft credit inquiry. If you are presented with an offer and choose to proceed with the application process, Citi will conduct a hard credit inquiry which may have an impact on your credit score.</p><p>Citi® Personal Loan proceeds cannot be used to pay for post-secondary education expenses or for business purposes. Credit cards issued by Citibank, N.A. or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts. If you are unsure of the issuer on the account, please visit https://www.citi.com/affiliatesproducts for a list of Citi products and affiliates.</p><p>If you are approved for a personal loan with Citi, you can get your funds the same day with a Citi deposit account, or up to 2 business days for a non-Citi account when using direct deposit. Or, you can select to receive a check by mail in approximately 5 business days.</p><p>Terms, conditions, and fees for accounts, products, programs and services are subject to change at any time.</p><p>You must be at least 18 years of age (21 years of age in Puerto Rico). Co-applicants are not permitted.</p><p>If you apply online, you must agree to receive the loan note and all other account disclosures provided with your loan origination in an electronic format and provide your signature electronically.</p><p>Personal loans are made available by Citibank, N.A., Equal Housing lender</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Best Egg: Best for unique secured loans</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Best Egg.png?optimize=medium&format=pjpg&auto=webp" alt="Best Egg" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.6 star rating"><div class="RatingStars-iconMask" style="width:92%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.6</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/best-egg/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6lkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = <!-- -->4.6<!-- -->/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6lkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">6.99- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-5<!-- --> yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$2k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">600</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Ralkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>You’ll find more secured loan options at Best Egg than you will at other reviewed personal loan lenders. Borrowers can get a loan secured by fixtures in their home with a major APR discount. You can also borrow against the equity in your car if you don’t want to tie up your home’s equity. Opting for a secured loan may help those with fair credit qualify for better rates.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Ralkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Reside in one of the states serviced</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Origination fee of 0.99% to 8.99%</li><li>$15 late payment fee</li><li>$15 returned payment fee</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Next business day after approval</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Low minimum credit score</li><li>No prepayment penalty</li><li>Quick funding</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Origination fee</li><li>Late fee</li><li>Risk of losing collateral on secured loans</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Ralkm:"><p>*Trustpilot TrustScore as of December 2022. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">LendingClub: Best for adding a co-borrower </h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/LendingClub.png?optimize=medium&format=pjpg&auto=webp" alt="LendingClub" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.5 star rating"><div class="RatingStars-iconMask" style="width:90%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.5</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/lending-club/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6mkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = <!-- -->4.5<!-- -->/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6mkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">9.06- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-5<!-- --> yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$1k- $40K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">600</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Ramkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>LendingClub is one of the few personal loan lenders that allows you to add a co-borrower to help you qualify. This is good news if you can’t qualify for the home improvement loan amount you need for renovations on your own.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Ramkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be U.S. citizen or have long-term visa</li><li>Have verifiable bank account </li><li>Be at least 18 years old</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Origination fee of 3% to 8%</li><li>Late payment fee of $15 or 5%, whichever is greater</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Within 1 business day</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Joint applications allowed</li><li>Direct payment to creditors</li><li>Option to change payment date</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Origination fee</li><li>Late fee</li><li>High maximum APR</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Ramkm:"><p>Between April 1, 2024 to June 30, 2024, Personal Loans issued by LendingClub Bank were funded within 35 hours after loan approval, on average. 45% of Personal Loans issued by LendingClub Bank during the same period were funded within 24 hours after loan approval. Loan approval, and the time it takes to issue a credit decision, are not guaranteed and individual results vary based on creditworthiness and other factors, including but not limited to investor demand.</p><p><br></p><p>A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $23,354 for a term of 36 months, with an interest rate of 11.49% and a 6.00% origination fee of $1,401 for an APR of 14.24%. In this example, the borrower will receive $21,953 and will make 36 monthly payments of $770. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term lengths may be unavailable in certain states.</p><p><br></p><p>For Personal Loans, APR ranges from 9.06% to 35.99% and origination fee ranges from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2024 and are subject to change without notice.</p><p><br></p><p>Unless otherwise specified, loans are made by LendingClub Bank, N.A., Member FDIC (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of Bankrate and is not responsible for the products and services provided by Bankrate.</p><p><br></p><p>Loans are subject to credit approval and sufficient investor commitment. If a credit union is selected to invest in the loan, credit union membership will be required. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that you request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com.</p><p><br></p><p>“LendingClub” is a trademark of LendingClub Bank.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Upgrade: Best for fast funding for fair credit</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Upgrade.png?optimize=medium&format=pjpg&auto=webp" alt="Upgrade" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.7 star rating"><div class="RatingStars-iconMask" style="width:94%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/upgrade/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6nkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = <!-- -->4.7<!-- -->/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6nkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">9.99- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left">with AutoPay</span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7<!-- --> yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$1k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">580</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rankm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>With a credit score minimum of 600, borrowers can access funds in as little as 24 hours with an Upgrade home improvement loan. That’s good news if you don’t qualify for the 695 minimum credit score required for same-day funding at a company like LightStream. You can borrow as little as $1,000, making it a good option if you have smaller home improvement plans like upgrading to energy-efficient appliances. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Rankm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>U.S. citizen or permanent resident</li><li>At least 18 years old</li><li>Valid email address</li><li>Valid bank account</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>1.85% to 9.99% origination fee</li><li>$10 late fee</li><li>$10 returned check fee</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">One business day if sent to borrower, up to two weeks if sent directly to creditors</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Fast funding</li><li>Option to add a co-borrower</li><li>Range of loan amounts</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Minimum income not specified</li><li>High maximum origination fee</li><li>Low maximum loan amount</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rankm:"><p><span style="background-color: transparent; color: rgb(0, 0, 0);">Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 9.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.</span></p><p><br></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Prosper: Best peer-to-peer lender</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Prosper.png?optimize=medium&format=pjpg&auto=webp" alt="Prosper" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.6 star rating"><div class="RatingStars-iconMask" style="width:92%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.6</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/prosper/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6okm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = <!-- -->4.6<!-- -->/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6okm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">8.99- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-5<!-- --> yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$2k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">640</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">Read our review<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">on Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Raokm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Borrowers with fair scores may qualify for loans through the peer-to-peer network of investors offered through Prosper’s online platform. Instead of having your application reviewed by just one investor, there will be several, which could increase your approval odds. Prosper even allows you to add a co-borrower, although their minimum score must be at least 600.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Raokm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Recorded income greater than $0</li><li>Resident of qualifying state</li><li>At least 18 years old</li><li>First-time borrowers: Debt-to-income ratio no greater than 50%</li><li>Co-borrowers: Minimum credit score of 600</li><li>Co-borrowers: No bankruptcy filings in last 12 months</li><li>Co-borrowers: At least one open credit account</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Origination fee between 1% and 7.99%</li><li>Late payment fee of $15 or 5%, whichever is greater</li><li>Check fee of $5 or 5%, whichever is less</li><li>$15 insufficient funds fee </li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Next business day after approval</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>No prepayment penalty</li><li>Joint applications allowed</li><li>Option to change your payment date</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>No co-signers allowed</li><li>Origination fee</li><li>Late fee</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Raokm:"><p>For example, a three-year $10,000 personal loan would have an interest rate of 9.88% and a 7.99% origination fee for an annual percentage rate (APR) of 15.70% APR. You would receive $9,201 and make 36 scheduled monthly payments of $322.11. A five-year $10,000 personal loan would have an interest rate of 11.64% and a 7.99% origination fee with a 15.36% APR. You would receive $9,201 and make 60 scheduled monthly payments of $220.63. Origination fees vary between 1% and 9.99%. Personal loan APRs through Prosper range from 8.99% to 35.99%, with the lowest rates for the most creditworthy borrowers. Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Discover: Best low fair credit rates</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Discover.png?optimize=medium&format=pjpg&auto=webp" alt="Discover" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.8 star rating"><div class="RatingStars-iconMask" style="width:96%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.8</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/discover/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6pkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = <!-- -->4.8<!-- -->/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6pkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.99- 24.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-7<!-- --> yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$2.5k- $35K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">660</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">Read our review<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">On Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rapkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Discover’s minimum and maximum rates make it among the lowest offered for fair-credit home improvement loans. An added bonus: Discover offers up to 84-month terms. This might be appealing if you need a lower payment than the standard 60-month term offers.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Rapkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Minimum income of $25,000</li><li>U.S. citizen or resident</li><li>At least 18 years old</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Possible late payment fee of $39</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">As soon as the next business day</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Fast funding</li><li>Flexible terms</li><li>No upfront fees</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>No discounts</li><li>No joint applications</li><li>No in-person applications</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rapkm:">Lowest rates include interest-only repayment discount and a .25% interest rate reduction for automatic payment.</div></div></div></div></div></article></div></div></div></div></div></div></div></main></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"initValues":{"zip":"90210","loanAmount":10000,"creditScore":700,"annualIncome":50000,"loanPurpose":"home_improvement","sponsored":false,"sortBy":"rank","page":"/loans/home-improvement/rates/"},"initialRates":[{"amount":{"min":5000,"max":100000},"apr":{"fixed":{"min":7.49,"max":21.94},"subtext":"* with AutoPay"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/prequalification","subtext":"Apply on partner site","trackingParameter":"subid","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification","url":"https://www.bankrate.com/loans/personal-loans/prequalification"},"editorial":{"cons":["Good to excellent credit required","High minimum loan amount","No due date flexibility"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eOverview\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eLightStream is an online lender that's a branch of the commercial bank, Truist. It caters to borrowers with good to excellent credit and touts a fast and easy online application process that can be completed through the website or on the mobile app.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eBorrowers with excellent credit who can qualify for the lender’s lowest rates.\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eLightStream’s unsecured personal loans are big enough for major home projects and come with competitive rates for qualified borrowers. Besides that, the lender offers terms as long as 12 years for home improvement loans.\u003c/p\u003e","eligibilityRequirements":["Borrowers must have good to excellent credit."],"feeTypes":["None"],"fundingText":["Same-day funding available if loan is approved by 2:30 p.m. ET"],"perks":["Autopay discount of 0.50%","Low-cost loans with no fees","Mobile app"],"pros":["High maximum loan amount","Low APRs","No fees"],"superlative":"Lightstream: Bankrate 2024 awards winner for best personal loan for home improvement.","expertTake":"\u003cp\u003eLightStream offers some of the lowest minimum APRs reviewed. You can also stretch the payment out on a max loan amount of $100,000 for up to 12 years — a full five years longer than the other lenders on our table. Same-day funding is also available, making LightStream a great choice for last-minute funds if your renovation project is running over budget.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBorrowers must have good to excellent credit\u003c/li\u003e\u003c/ul\u003e"},"id":53,"income":{"min":50000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/LightStream.png","name":"LightStream","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e LightStream, a division of Truist, offers loans for practically any occasion, such as medical needs, pre-K-12 education or a family need.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e Loan amounts go up to $100,000, which is good if you have significant expenses. There are no fees and no prepayment penalties, and you get a 0.5 percentage point discount on your interest rate when you sign up for autopay.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e You'll need to prove that you have a few years' worth of credit history with many different account types to qualify. Delinquencies, defaults and late payments could hurt your eligibility chances.\u003c/p\u003e","score":"4.7","url":"https://www.bankrate.com/loans/personal-loans/reviews/lightstream/"},"uuid":"339e1c3f-697c-469e-98ef-be9f725f5551","vertical":"personal"},"marketingDetails":["Lowest rate is for excellent credit only. Rates 6.99% - 25.49% APR w/AutoPay.*","Loans from $5,000 - $100,000","Same-day funding available (conditions apply)","We guarantee your best-funded loan experience ever"],"minimumCreditRequired":{"personal":695},"loanPurpose":"home_improvement","monetized":true,"productType":"rate","rank":1,"term":{"min":36,"max":144},"termsAndConditions":"\u003cp\u003e*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are .50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 9.99% APR with a term of 3 years would result in 36 monthly payments of $322.62. \u003cspan style=\"color: black;\"\u003eTruist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.\u003c/span\u003e\u003c/p\u003e"},{"amount":{"min":1000,"max":50000},"apr":{"fixed":{"min":7.4,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/prequalification?partner_sub_id=[CLICK_ID]","trackingParameter":"partner_sub_id","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=5668de6d-2d23-4dbd-86ba-623347b7559e","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=5668de6d-2d23-4dbd-86ba-623347b7559e"},"editorial":{"cons":["Potentially large origination fee","Limited repayment term options","No rate discount for autopay"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eOverview\u003c/strong\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003eUpstart is an online lending marketplace that uses artificial intelligence (AI) to optimize its lending model and approval model rather than only using a borrower's credit score.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eBorrowers with below-average credit who are looking to finance small or midsize projects.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eHome improvement loans through Upstart are great for both small repairs and midsize renovations. Consumers with no or low credit still might be able to qualify for unsecured home improvement loans with Upstart.\u003c/p\u003e","eligibilityRequirements":["Have a full-time job or a job offer","Not have adverse credit history","Meet debt-to-income ratio requirements","Have a U.S. bank account"],"feeTypes":["Origination fee of up to 12%","Late payment fee of 5% of the past due amount or $15, whichever is greater","$15 check return fee","$10 paper copy fee"],"fundingText":["Next business day after approval"],"perks":["No prepayment penalty","Prequalification tool","Online resources","Open to those with insufficient credit"],"pros":["May qualify with no credit history","Low minimum loan amount","Quick funding"],"superlative":"Upstart: Best for little or no credit history","expertTake":"\u003cp\u003eUpstart gives homeowners with minimal or no credit history a way to finance home improvements or take care of some deferred maintenance, like chipping paint or worn out carpets. Unlike many lenders, Upstart considers factors beyond your credit score in its lending decisions. Upstart’s minimum loan amount is lower than many other lenders, making it a good choice to upgrade a few appliances or patch up the walls in a bedroom.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eValid physical address\u003c/li\u003e\u003cli\u003eSocial Security number\u003c/li\u003e\u003cli\u003eVerifiable personal bank account\u003c/li\u003e\u003cli\u003eSteady income or job offer starting within six months\u003c/li\u003e\u003cli\u003eEarn a minimum annual income of $12,000\u003c/li\u003e\u003c/ul\u003e"},"id":202,"income":{"min":12000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Upstart.png","name":"Upstart","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e You can borrow as little as $1,000 and as much as $50,000 with an Upstart personal loan. Loans come with three- or five-year terms and APRs from 6.76% to 35.99%\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e You can apply even if you don’t have a long credit history. If you’re relatively new to borrowing money, you might be eligible. Also, there's no prepayment penalty for paying your loan off early.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Co-signers aren't allowed, and Upstart charges an origination fee of up to 8 percent and a late fee that’s the greater of $15 or 5 percent of the payment due.\u003c/p\u003e","score":"4.8","url":"https://www.bankrate.com/loans/personal-loans/reviews/upstart/"},"uuid":"5668de6d-2d23-4dbd-86ba-623347b7559e","vertical":"personal"},"marketingDetails":["Personal loans $1,000 to $50,000","Check your rate online in minutes","Pay loan off any time with no prepayment penalty"],"minimumCreditRequired":{"personal":300},"loanPurpose":"home_improvement","monetized":true,"productType":"rate","rank":2,"term":{"min":36,"max":60},"termsAndConditions":"\u003cp\u003eThe full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.\u0026nbsp;\u003c/p\u003e"},{"amount":{"min":5000,"max":50000},"apr":{"fixed":{"min":8.99,"max":29.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://blltrk.com/?a=201\u0026c=1488\u0026unique_indentifer=[CLICK_ID]","subtext":"Check rate with Bankrate","trackingParameter":"unique_indentifer","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=2c535ada-112a-4a42-a5df-3f996ef1ff0b","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=2c535ada-112a-4a42-a5df-3f996ef1ff0b"},"editorial":{"cons":["Not available in every state","Minimum credit score of 620 required","Origination fee"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eOverview\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eAchieve is a digital personal finance company that offers personal loans, home equity loans and debt management resources and tools. Over the past 20 years, the lender has served over a million people, giving it a trusted reputation in the lending industry. \u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eThose with good credit or a co-signer who want their funds in a hurry.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eApplicants have the option to work with a loan consultant who they can contact through their member dashboard and by phone. Plus, Achieve offers unique interest rate discounts for qualifying borrowers.\u003c/p\u003e","eligibilityRequirements":["Proof of income and employment","Social Security number","Proof of identity","Minimum credit score of 620"],"feeTypes":["Origination fee of 1.99% to 6.99%"],"fundingText":["Within 24 to 72 hours of approval"],"perks":["Autopay discount","Retirement asset discount","Co-borrower discount"],"pros":["Allows co-signers","Fast funding","Personal loan consultant"],"superlative":"Achieve: Best for pre-renovation debt consolidation","expertTake":"\u003cp\u003eAchieve is Bankrate’s 2024 winner for best debt consolidation lender. If your credit score is low because of maxed-out cards, an Achieve loan could help you consolidate your balances and boost your credit. That may give your scores the boost you need to get a low-rate home improvement loan in the future.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eProof of income and employment\u003c/li\u003e\u003cli\u003eSocial Security number\u003c/li\u003e\u003cli\u003eProof of identity\u003c/li\u003e\u003cli\u003eMinimum credit score of 620\u003c/li\u003e\u003c/ul\u003e"},"id":27,"income":{"min":40000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Achieve Personal Loans.png","name":"Achieve","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Achieve is an online personal loan provider with same-day loan decisions and funding within 48 hours for loans up to $50,000.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eQuick funding\u003c/li\u003e\u003cli\u003ePay your loan off early\u003c/li\u003e\u003cli\u003eJoint loans\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eHigh minimum loan amount\u003c/li\u003e\u003cli\u003eOrigination fee\u003c/li\u003e\u003c/ul\u003e","score":"4.7","url":"https://www.bankrate.com/loans/personal-loans/reviews/achieve/"},"uuid":"2c535ada-112a-4a42-a5df-3f996ef1ff0b","vertical":"personal"},"marketingDetails":["Borrow $5,000 to $50,000","Rates as low as 8.99% APR - terms apply","No prepayment fees ever","A+ rated from the BBB"],"minimumCreditRequired":{"personal":620},"loanPurpose":"home_improvement","monetized":true,"productType":"rate","rank":3,"term":{"min":24,"max":60},"termsAndConditions":"\u003cp\u003e“Personal loans available through Achieve.com (NMLS #138464) or Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 35.99% and include applicable origination fees that vary from 1.99% to 6.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49%, and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time.”\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},{"amount":{"min":2000,"max":30000},"apr":{"fixed":{"min":11.49,"max":20.49}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/prequalification","subtext":"Check rate with Bankrate","trackingParameter":"u1","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification","url":"https://www.bankrate.com/loans/personal-loans/prequalification"},"circuit":{"circuitProductId":"20420170787","transistorLinkId":"26727402"},"editorial":{"cons":["Limited loan amounts","High minimum credit score","No joint applications"],"feeTypes":["None"],"fundingText":["Same day or within two business days of approval for direct deposit, within five days for check"],"pros":["Zero fees","Multiple discounts","Quick funding"],"superlative":"Citi: Best for no fees","expertTake":"\u003cp\u003eCiti is one of the only lenders reviewed that doesn’t charge any fees. That means you won’t pay an origination fee, late payment or prepayment penalty with a Citi personal loan. You could also get a 0.5 percent rate discount if you set up autopay when you apply.\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eSteady income\u003c/li\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eSocial Security number\u003c/li\u003e\u003c/ul\u003e"},"id":382,"income":{"min":10500},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Citi.png","name":"Citi® Personal Loan","offerSource":"generic","review":{"score":"4.6","url":"https://www.bankrate.com/loans/personal-loans/reviews/citi/"},"uuid":"d77382c7-0745-44de-98b6-f38292f7c879","vertical":"personal"},"marketingDetails":["Loans up to $30,000 with fixed rates from 11.49% to 20.49% APR**","Zero fees – no origination fees, no late fees, no prepayment penalty, and no hidden fees","Quick and easy online application process","Fast funding when using direct deposit – same day with an existing Citi account, or within 2 business days with a non‐Citi account","Discount for enrolling in automatic payments when you submit your loan application"],"minimumCreditRequired":{"personal":720},"loanPurpose":"home_improvement","monetized":true,"productType":"rate","rank":4,"term":{"min":12,"max":60},"termsAndConditions":"\u003cp\u003eRates as of 8-01-2024. Your APR may be as low as 11.49% or as high as 20.49% for the term of your loan. The lowest rate quoted assumes excellent credit and a loan term of 24 or 36 months. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Citi offers personal loans with a period of repayment between 12 and 60-month terms. For example, if you borrow $10,000 for 36 months at 15.99% APR, to repay your loan you will have to make 36 monthly payments of approximately $351.52.\u003c/p\u003e\u003cp\u003eThere is a 0.5% APR discount if you enroll in automatic payments at loan origination. Additionally, existing Citigold and Citi Priority customers will receive a 0.25% discount to the APR. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.\u003c/p\u003e\u003cp\u003eTo check for offers you may qualify for, Citi conducts a soft credit inquiry. If you are presented with an offer and choose to proceed with the application process, Citi will conduct a hard credit inquiry which may have an impact on your credit score.\u003c/p\u003e\u003cp\u003eCiti® Personal Loan proceeds cannot be used to pay for post-secondary education expenses or for business purposes. Credit cards issued by Citibank, N.A. or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts. If you are unsure of the issuer on the account, please visit https://www.citi.com/affiliatesproducts for a list of Citi products and affiliates.\u003c/p\u003e\u003cp\u003eIf you are approved for a personal loan with Citi, you can get your funds the same day with a Citi deposit account, or up to 2 business days for a non-Citi account when using direct deposit. Or, you can select to receive a check by mail in approximately 5 business days.\u003c/p\u003e\u003cp\u003eTerms, conditions, and fees for accounts, products, programs and services are subject to change at any time.\u003c/p\u003e\u003cp\u003eYou must be at least 18 years of age (21 years of age in Puerto Rico). Co-applicants are not permitted.\u003c/p\u003e\u003cp\u003eIf you apply online, you must agree to receive the loan note and all other account disclosures provided with your loan origination in an electronic format and provide your signature electronically.\u003c/p\u003e\u003cp\u003ePersonal loans are made available by Citibank, N.A., Equal Housing lender\u003c/p\u003e"},{"amount":{"min":2000,"max":50000},"apr":{"fixed":{"min":6.99,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://bestegg.com/simplify/?cpid=c9436e\u0026LeadID=[CLICK_ID]","subtext":"Check rate with Bankrate","trackingParameter":"LeadID","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=df56083a-5dd1-46e8-8579-dbc173b1eb43","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=df56083a-5dd1-46e8-8579-dbc173b1eb43"},"editorial":{"cons":["Origination fee","Late fee","Risk of losing collateral on secured loans"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eOverview\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eBest Egg is a well-known lender due to its ample benefits and unique member perks. Plus, those with fair credit may qualify, as the lender accepts applicants with a credit score over 600.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eBorrowers with fair credit who are working on a midsize project.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eBest Egg home improvement loans allow you to finance midsize expenses like building a new deck or replacing your garage door. Borrowers with a FICO credit score of just 600 may be able to qualify for a home improvement loan with Best Egg.\u003c/p\u003e","eligibilityRequirements":["Minimum credit score of 600."],"feeTypes":["Origination fee of 0.99% to 8.99%","$15 late payment fee","$15 returned payment fee"],"fundingText":["Next business day after approval"],"perks":["Soft credit pull to check your rate","Financial wellness tools","Plenty of resources on website"],"pros":["Low minimum credit score","No prepayment penalty","Quick funding"],"superlative":"Best Egg: Best for unique secured loans","expertTake":"\u003cp\u003eYou’ll find more secured loan options at Best Egg than you will at other reviewed personal loan lenders. Borrowers can get a loan secured by fixtures in their home with a major APR discount. You can also borrow against the equity in your car if you don’t want to tie up your home’s equity. Opting for a secured loan may help those with fair credit qualify for better rates.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eReside in one of the states serviced\u003c/li\u003e\u003c/ul\u003e"},"id":21,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Best Egg.png","name":"Best Egg","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Best Egg offers personal loans for a variety of purposes, whether it's debt consolidation, credit card refinancing, family needs or home improvements. Loans start at $2,000, and you can borrow as much as $50,000.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e There are no prepayment penalties for paying your loan off early.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Origination fees range from 0.99 percent to 9.99 percent, and $15 late payment fees are charged within three days of a missed payment.\u003c/p\u003e","score":"4.6","url":"https://www.bankrate.com/loans/personal-loans/reviews/best-egg/"},"uuid":"df56083a-5dd1-46e8-8579-dbc173b1eb43","vertical":"personal"},"marketingDetails":["Get a personal loan up to $50,000 with a fixed APR from 8.99% to 35.99%","Get money in as little as one business day, upon approval and verification","Join more than 450,000 customers at a trusted company with an A+ BBB rating","Use it for almost anything: consolidate debt or other unexpected expenses"],"minimumCreditRequired":{"personal":600},"loanPurpose":"home_improvement","monetized":true,"productType":"rate","rank":5,"term":{"min":36,"max":60},"termsAndConditions":"\u003cp\u003e*Trustpilot TrustScore as of December 2022. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank \u0026amp; Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank \u0026amp; Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001.\u0026nbsp;For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/\u003c/p\u003e"},{"amount":{"min":1000,"max":40000},"apr":{"fixed":{"min":9.06,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/reviews/lending-club/?LEAD_ID=[CLICK_ID]","subtext":"Check rate with Bankrate","trackingParameter":"LEAD_ID","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=aa25280d-6855-4a62-b661-f32ebea90960","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=aa25280d-6855-4a62-b661-f32ebea90960"},"editorial":{"cons":["Origination fee","Late fee","High maximum APR"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eOverview\u003c/strong\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003eUp until 2021, LendingClub operated as a peer-to-peer lender but has since transitioned to a traditional lender and bank.\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eGood to excellent credit borrowers who can qualify for the lowest APRs and need funds fast.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eLendingClub is a peer-to-peer lender. You can apply for a loan online and get a quote without a hard pull on your credit report. LendingClub lets you borrow as little as $1,000, which is convenient for small home repairs.\u003c/p\u003e","eligibilityRequirements":["Borrowers need good credit to qualify."],"feeTypes":["Origination fee of 3% to 8%","Late payment fee of $15 or 5%, whichever is greater"],"fundingText":["Within 1 business day"],"perks":["15-day grace period","Mobile app available","Prequalification tool"],"pros":["Joint applications allowed","Direct payment to creditors","Option to change payment date"],"superlative":"LendingClub: Best for adding a co-borrower ","expertTake":"\u003cp\u003eLendingClub is one of the few personal loan lenders that allows you to add a co-borrower to help you qualify. This is good news if you can’t qualify for the home improvement loan amount you need for renovations on your own.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe U.S. citizen or have long-term visa\u003c/li\u003e\u003cli\u003eHave verifiable bank account\u0026nbsp;\u003c/li\u003e\u003cli\u003eBe at least 18 years old\u003c/li\u003e\u003c/ul\u003e"},"id":28,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/LendingClub.png","name":"LendingClub","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e LendingClub's rates range from 8.98 percent to 35.99 percent on loans of $1,000 to $40,000. Terms of three or five years are available.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e There's a 15-day grace period in case you can't pay your loan the day it's due.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Funding takes within 2 days from approval. There's also an origination fee ranging from 3 percent to 8 percent.\u003c/p\u003e","score":"4.5","url":"https://www.bankrate.com/loans/personal-loans/reviews/lending-club/"},"uuid":"aa25280d-6855-4a62-b661-f32ebea90960","vertical":"personal"},"marketingDetails":["We’ve helped over 4 million members start their journey out of debt","Get your cash in as little as 1 business day*","Check your rate with no impact to your credit score*"],"minimumCreditRequired":{"personal":600},"loanPurpose":"home_improvement","monetized":true,"productType":"rate","rank":6,"term":{"min":24,"max":60},"termsAndConditions":"\u003cp\u003eBetween April 1, 2024 to June 30, 2024, Personal Loans issued by LendingClub Bank were funded within 35 hours after loan approval, on average. 45% of Personal Loans issued by LendingClub Bank during the same period were funded within 24 hours after loan approval. Loan approval, and the time it takes to issue a credit decision, are not guaranteed and individual results vary based on creditworthiness and other factors, including but not limited to investor demand.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eA representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $23,354 for a term of 36 months, with an interest rate of 11.49% and a 6.00% origination fee of $1,401 for an APR of 14.24%. In this example, the borrower will receive $21,953 and will make 36 monthly payments of $770. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term lengths may be unavailable in certain states.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eFor Personal Loans, APR ranges from 9.06% to 35.99% and origination fee ranges from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2024 and are subject to change without notice.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eUnless otherwise specified, loans are made by LendingClub Bank, N.A., Member FDIC (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of Bankrate and is not responsible for the products and services provided by Bankrate.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eLoans are subject to credit approval and sufficient investor commitment. If a credit union is selected to invest in the loan, credit union membership will be required. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that you request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003e“LendingClub” is a trademark of LendingClub Bank.\u003c/p\u003e"},{"amount":{"min":1000,"max":50000},"apr":{"fixed":{"min":9.99,"max":35.99},"subtext":"with AutoPay"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.upgrade.com/funnel/nonDMFunnel?utm_source=bankrate\u0026utm_medium=partners_linking\u0026external_identifier=[CLICK_ID]","subtext":"Check rate with Bankrate","trackingParameter":"external_identifier","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=a16650d3-e98b-4849-9db9-b3a93ea91882","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=a16650d3-e98b-4849-9db9-b3a93ea91882"},"editorial":{"cons":["Minimum income not specified","High maximum origination fee","Low maximum loan amount"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eOverview\u003c/strong\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003eIn the past five years, Upgrade has made over $21 million in credit available to its customers. Headquartered in San Francisco, but with offices in Phoenix, Montreal and Atlanta, Upgrade offers multiple financial products and services, like credit cards, personal loans and\u0026nbsp;savings accounts.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eThose with fair or less-than-ideal credit who need funds fast.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eUpgrade makes the experience of paying off your other creditors a breeze by directly sending funds to them. It also offers fair rates, even to those with credit that isn't perfect, and a wide range of terms.\u003c/p\u003e","eligibilityRequirements":["U.S. citizen or permanent resident","At least 18 years old","Valid email address","Valid bank account"],"feeTypes":["1.85% to 9.99% origination fee","$10 late fee","$10 returned check fee"],"fundingText":["One business day if sent to borrower, up to two weeks if sent directly to creditors"],"perks":["Co-borrower and secured loan options","Reasonable APR cap","Fast funding"],"pros":["Fast funding","Option to add a co-borrower","Range of loan amounts"],"superlative":"Upgrade: Best for fast funding for fair credit","expertTake":"\u003cp\u003eWith a credit score minimum of 600, borrowers can access funds in as little as 24 hours with an Upgrade home improvement loan. That’s good news if you don’t qualify for the 695 minimum credit score required for same-day funding at a company like LightStream. You can borrow as little as $1,000, making it a good option if you have smaller home improvement plans like upgrading to energy-efficient appliances.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eU.S. citizen or permanent resident\u003c/li\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eValid email address\u003c/li\u003e\u003cli\u003eValid bank account\u003c/li\u003e\u003c/ul\u003e"},"id":32,"income":{"min":30000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Upgrade.png","name":"Upgrade","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Upgrade personal loans range from $1,000 to $50,000. You can use your personal loan for nearly anything, including debt consolidation, home improvement or a major expense.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e Terms of two to seven years let you pay off your loan on a schedule that's best for your budget. Interest rates start at 8.49 percent APR as long as you have strong credit to qualify.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e All personal loans come with a 1.85 percent to 9.99 percent origination fee. There's also a $10 failed payment fee.\u003c/p\u003e","score":"4.7","url":"https://www.bankrate.com/loans/personal-loans/reviews/upgrade/"},"uuid":"a16650d3-e98b-4849-9db9-b3a93ea91882","vertical":"personal"},"marketingDetails":["Fixed rates and payments with a clear pay off date.,Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline.,Fast Funding. Money is sent to your bank account within a day of clearing any verifications. *,Automatic payments and ability to customize the due date: manage your account online or via the mobile app. No prepayment penalties. ,Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of your credit. "],"minimumCreditRequired":{"personal":580},"loanPurpose":"home_improvement","monetized":true,"productType":"rate","rank":9,"term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"\u003ePersonal loans made through Upgrade feature Annual Percentage Rates (APRs) of 9.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},{"amount":{"min":2000,"max":50000},"apr":{"fixed":{"min":8.99,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.prosper.com/personal-loans/low-rate?refac=Bankrate\u0026refmc=Bankrate\u0026TrackingID=[CLICK_ID]","subtext":"on Bankrate","trackingParameter":"TrackingID","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/","url":"https://www.bankrate.com/loans/personal-loans/prequalification/"},"editorial":{"cons":["No co-signers allowed","Origination fee","Late fee"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eOverview\u003c/strong\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003eProsper is a peer-to-peer lender that matches borrowers with investors, rather than matching borrowers with banks or financial institutions. Established in 2005, the company has established over one million customers, earning itself a trusted reputation in the lending industry.\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"color: var(--primary-text);\"\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eBorrowers looking for a completely online process who have good to excellent credit.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eProsper is a peer-to-peer lender, which matches investors with borrowers. It offers fixed-rate unsecured personal loans to borrowers with fair to excellent credit and the application process is simple and quick.\u003c/p\u003e","eligibilityRequirements":["Minimum credit score of 600","No bankruptcy filings within the last 12 months","Have at least one open trade reported","Have a satisfactory debt-to-income ratio"],"feeTypes":["Origination fee between 1% and 7.99%","Late payment fee of $15 or 5%, whichever is greater","Check fee of $5 or 5%, whichever is less","$15 insufficient funds fee "],"fundingText":["Next business day after approval"],"perks":["Financial guides and tools","Loan estimator","Prequalification available","Mobile app"],"pros":["No prepayment penalty","Joint applications allowed","Option to change your payment date"],"superlative":"Prosper: Best peer-to-peer lender","expertTake":"\u003cp\u003eBorrowers with fair scores may qualify for loans through the peer-to-peer network of investors offered through Prosper’s online platform. Instead of having your application reviewed by just one investor, there will be several, which could increase your approval odds. 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Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank.\u003c/p\u003e"},{"amount":{"min":2500,"max":35000},"apr":{"fixed":{"min":7.99,"max":24.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/prequalification?sid=[CLICK_ID]","subtext":"On Bankrate","trackingParameter":"sid","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/","url":"https://www.bankrate.com/loans/personal-loans/prequalification/"},"editorial":{"cons":["No discounts","No joint applications","No in-person applications"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eOverview\u003c/strong\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003eDiscover personal loans are affordable, offer flexible repayment terms, a low minimum APR and can be used for a variety of purposes — like a home improvement loan. Loan amounts go from $2,500 to $40,000 and borrowers have up to seven years to repay their loans.\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"color: var(--primary-text);\"\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: var(--primary-text);\"\u003eBorrowers who need money quickly.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"color: var(--primary-text);\"\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eDiscover has a number of features that sets it apart from the competition. The most compelling is the 30-day money-back guarantee. If you're able to find a better rate with another lender, you can return the loan without paying anything in penalties or interest.\u003c/p\u003e","eligibilityRequirements":["Minimum income of $25,000","U.S. citizen or resident","At least 18 years old"],"feeTypes":["Possible late payment fee of $39"],"fundingText":["As soon as the next business day"],"perks":["Fast funding","Flexible repayment terms","30-day guarantee policy"],"pros":["Fast funding","Flexible terms","No upfront fees"],"superlative":"Discover: Best low fair credit rates","expertTake":"\u003cp\u003eDiscover’s minimum and maximum rates make it among the lowest offered for fair-credit home improvement loans. An added bonus: Discover offers up to 84-month terms. This might be appealing if you need a lower payment than the standard 60-month term offers.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eMinimum income of $25,000\u003c/li\u003e\u003cli\u003eU.S. citizen or resident\u003c/li\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003c/ul\u003e"},"id":200,"income":{"min":25000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Discover.png","name":"Discover","offerSource":"generic","review":{"score":"4.8","url":"https://www.bankrate.com/loans/personal-loans/reviews/discover/"},"uuid":"0edbbb88-1446-4a81-8445-8d5a4b571fd9","vertical":"personal"},"marketingDetails":["Cover up to 100% of your school-certified costs. Aggregate loan limits apply.","Count on $0 fees, including no application, origination or late fees.","Option to defer payments or make interest-only or $25 fixed monthly payments while in school and during your grace period."],"minimumCreditRequired":{"personal":660},"loanPurpose":"home_improvement","monetized":false,"productType":"rate","rank":21,"term":{"min":36,"max":84},"termsAndConditions":"Lowest rates include interest-only repayment discount and a .25% interest rate reduction for automatic payment."}],"enableAboveFoldv2":"1"},"__N_SSP":true},"page":"/personal-loans-rate-cards","query":{"annualIncome":"50000","cohesion":"false","creditScore":"700","loanAmount":"10000","loanPurpose":"home_improvement","sortBy":"rank","page":"/loans/home-improvement/rates/","enableAboveFoldv2":"1"},"buildId":"_TOcKJWP-Eh4lU1JL4HvX","assetPrefix":"https://www.bankrate.com/static/loans/rate-tables/rate-tables-next-1.268.0","isFallback":false,"isExperimentalCompile":false,"gssp":true,"scriptLoader":[]}</script></div> <div id="why-bankrate" class="why-choose-bankrate lg:display-grid lg:grid-cols-2 gap-4 m-2"> <div class="w-full md:col-span-1 col-span-1 text-center lg:text-left lg:pr-6 mb-3 md:mb-0 ml-0 mt-10 md:mt-14"> <h2 class="type-heading-three font-bold mb-3"> Why choose Bankrate?</h2> <div class="text-slate"> <div class="wysiwyg display-block w-full"> <p>Backed by over 40 years of experience, our team at Bankrate strives to help you make the right decisions for any financial 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for each lender. This table shows our top lenders in an easy-to-compare format so you can quickly narrow down your options.</p></div> <div x-data="table({ containerId: 'c380dd88-eb88-43bb-82e4-62186b4069ed', tableId: 'table-c380dd88-eb88-43bb-82e4-62186b4069ed', buttonId: 'button-c380dd88-eb88-43bb-82e4-62186b4069ed', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="c380dd88-eb88-43bb-82e4-62186b4069ed" class="table-container" tabindex="0"> <table id="table-c380dd88-eb88-43bb-82e4-62186b4069ed" class="Table table-content "> <thead> <tr> <th class="text-left"> LENDER</th> <th class="text-right"> BEST FOR</th> <th class="text-right"> EST. APR</th> <th class="text-right"> LOAN AMOUNT</th> <th class="text-right"> LOAN TERM</th> <th class="text-right"> MIN CREDIT SCORE</th> </tr> </thead> <tbody> <tr id="d7b5a4bd-75ab-4515-a6ea-457dfd7b723d" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/lightstream/" target="_blank">LightStream</a></td> <td data-col="2" class="text-right"> Best overall </td> <td data-col="3" class="text-right"> 7.49%-21.94%* (with AutoPay)</td> <td data-col="4" class="text-right"> $5,000-$100,000 </td> <td data-col="5" class="text-right"> 3-12 years</td> <td data-col="6" class="text-right"> 695</td> </tr> <tr id="3e929568-a8ae-4e40-8192-1d4b3238398a" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/upstart/" target="_blank">Upstart</a></td> <td data-col="2" class="text-right"> Little or no credit history </td> <td data-col="3" class="text-right"> 7.40%-35.99%</td> <td data-col="4" class="text-right"> $1,000-$50,000 </td> <td data-col="5" class="text-right"> 3 or 5 years</td> <td data-col="6" class="text-right"> No Requirement</td> </tr> <tr id="dd1575e0-58f2-4d44-a0a8-82b3b8e6a159" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/achieve/" target="_blank">Achieve</a></td> <td data-col="2" class="text-right"> Debt consolidation </td> <td data-col="3" class="text-right"> 8.99%-29.99% </td> <td data-col="4" class="text-right"> $5,000-$50,000 </td> <td data-col="5" class="text-right"> 2-5 years</td> <td data-col="6" class="text-right"> 620 </td> </tr> <tr id="89509d1e-f4a5-4611-9686-7f6b3ccceb73" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/citi/" target="_blank">Citi</a></td> <td data-col="2" class="text-right"> No fees </td> <td data-col="3" class="text-right"> 11.49%-20.49%</td> <td data-col="4" class="text-right"> $2,000-$30,000 </td> <td data-col="5" class="text-right"> 1-5 years </td> <td data-col="6" class="text-right"> 720</td> </tr> <tr id="aaeae026-8e14-4265-be77-a835b0bc8c75" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/best-egg/" target="_blank">Best Egg</a></td> <td data-col="2" class="text-right"> Unique secured loans </td> <td data-col="3" class="text-right"> 6.99%-35.99% </td> <td data-col="4" class="text-right"> $2,000-$50,000 </td> <td data-col="5" class="text-right"> 3-5 years </td> <td data-col="6" class="text-right"> 600 </td> </tr> <tr id="b057b5a6-45b2-4a51-bd9b-78cac547c358" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/lending-club/" target="_blank">LendingClub</a></td> <td data-col="2" class="text-right"> Adding a co-borrower </td> <td data-col="3" class="text-right"> 8.98%-35.99%</td> <td data-col="4" class="text-right"> $1,000-$40,000 </td> <td data-col="5" class="text-right"> 2-5 years </td> <td data-col="6" class="text-right"> 600 </td> </tr> <tr id="73c068a4-2927-409a-b2f8-2d58a6ef98a1" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/upgrade/" target="_blank">Upgrade</a></td> <td data-col="2" class="text-right"> Fast funding for fair credit </td> <td data-col="3" class="text-right"> 9.99%-35.99%</td> <td data-col="4" class="text-right"> $1,000-$50,000 </td> <td data-col="5" class="text-right"> 2-7 years </td> <td data-col="6" class="text-right"> 580 </td> </tr> <tr id="f8965f22-e924-4fc4-948b-ccf708049255" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/prosper/" target="_blank">Prosper</a></td> <td data-col="2" class="text-right"> Peer-to-peer lending </td> <td data-col="3" class="text-right"> 8.99%-35.99% </td> <td data-col="4" class="text-right"> $2,000-$50,000 </td> <td data-col="5" class="text-right"> 2-5 years </td> <td data-col="6" class="text-right"> 640</td> </tr> <tr id="984cdc22-7af7-4ad2-a342-447e077761eb" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/discover/" target="_blank">Discover</a></td> <td data-col="2" class="text-right"> Low fair credit rates </td> <td data-col="3" class="text-right"> 7.99%-24.99% </td> <td data-col="4" class="text-right"> $2,500-$40,000 </td> <td data-col="5" class="text-right"> 3-7 years </td> <td data-col="6" class="text-right"> 660 </td> </tr> </tbody> </table> <table id="header-fixed-c380dd88-eb88-43bb-82e4-62186b4069ed" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> </div> <div id="closer-look" class="SectionWithTocItem " data-beam-element-viewed id="closer-look" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="A closer look at our top home improvement loan lenders" data-text="" > <div class="wysiwyg display-block w-full"> <h2>A closer look at our top home improvement loan lenders</h2> <p>Here we take a deeper dive into the details that earned each lender a spot as the best in its category. We also offer some guidance about who specifically may benefit most from the lender’s products.</p></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Lightstream: Bankrate 2024 awards winner for best personal loan for home improvement</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/LightStream.png?auto=webp&fit=&width=200&format=pjpg" alt="LightStream" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>LightStream is an online lending branch of the commercial bank Truist. It caters to borrowers with good to excellent credit and touts a fast and easy online application process that can be completed through the website or on its mobile app.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/lightstream/">Read Bankrate's Expert Lightstream Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 7.49%–21.94%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $5k– $100k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 695</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-2b257854-5e62-477c-aa7f-66692913318e"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with excellent credit seeking high loan amounts and flexible terms at some of the lowest APRs available can qualify. LightStream’s unsecured personal loans are big enough for major home projects and come with competitive rates for qualified borrowers. Besides that, the lender offers terms as long as 12 years for home improvement loans, giving you a lower monthly payment option than most personal loan lenders allow.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with excellent credit seeking high loan amounts and flexible terms at some of the lowest APRs available can qualify. LightStream’s unsecured personal loans are big enough for major home projects and come with competitive rates for qualified borrowers. Besides that, the lender offers terms as long as 12 years for home improvement loans, giving you a lower monthly payment option than most personal loan lenders allow.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Rate beat guarantee</li> <li>No fees </li> <li>Multiple repayment terms</li> <li>High loan amount range</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Low minimum and maximum APR</li> <li>Customer service six days a week</li> <li>Same business day funding possible</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Rate beat guarantee</li> <li>No fees </li> <li>Multiple repayment terms</li> <li>High loan amount range</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Low minimum and maximum APR</li> <li>Customer service six days a week</li> <li>Same business day funding possible</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-lightstream-borrowersspan', 'heading-span-classtext-bankrate-insights-on-lightstream-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on lightstream borrowers " data-position="3" data-text=" Bankrate insights on LightStream borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on LightStream borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LightStream used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-461b1a4c-cf4d-4b15-a3bf-e2856771b622" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LightStream used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">8%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">30%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">26%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">20%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">16%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/21/24 - 11/20/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="tae0b0cc7-a82d-4ed8-af21-0da601903bd2" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="tae0b0cc7-a82d-4ed8-af21-0da601903bd2" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LightStream used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-461b1a4c-cf4d-4b15-a3bf-e2856771b622" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LightStream used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">8%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">30%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">26%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">20%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">16%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/21/24 - 11/20/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="tae0b0cc7-a82d-4ed8-af21-0da601903bd2" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="tae0b0cc7-a82d-4ed8-af21-0da601903bd2" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Upstart: Best lender for little or no credit history</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Upstart.png?auto=webp&fit=&width=200&format=pjpg" alt="Upstart" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.8 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 71%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.8</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Upstart is an online lender that uses artificial intelligence to approve loans rather than only using a borrower's credit score.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/upstart/">Read Bankrate's Expert Upstart Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 7.40%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $1k– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 300</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-b53625b7-7778-4ef8-bbad-2cfc335814a0"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with low or no credit credit who need extra help to finance small or midsize projects may benefit from a loan from Upstart. Its low minimum loan amount is also good for smaller home fix-up jobs. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with low or no credit credit who need extra help to finance small or midsize projects may benefit from a loan from Upstart. Its low minimum loan amount is also good for smaller home fix-up jobs. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Founded in 2012</li> <li>No minimum credit score</li> <li>Low starting APRs</li> <li>May qualify based on education and career history</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Lower minimum loan at $1,000</li> <li>One business day funding possible</li> <li>Available in all 50 states</li> <li>3 million customers served</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Founded in 2012</li> <li>No minimum credit score</li> <li>Low starting APRs</li> <li>May qualify based on education and career history</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Lower minimum loan at $1,000</li> <li>One business day funding possible</li> <li>Available in all 50 states</li> <li>3 million customers served</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-upstart-borrowersspan', 'heading-span-classtext-bankrate-insights-on-upstart-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on upstart borrowers " data-position="3" data-text=" Bankrate insights on Upstart borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Upstart borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upstart-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-e0b9a1d7-43f9-42e1-b61e-d75cc22279ac" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">6%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">28%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #00143D"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Emergency<span class="display-none">24%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">8%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">13%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">21%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/21/24 - 11/20/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="tf691e5d6-ff50-4f9d-8b1b-38d9b0d023d8" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="tf691e5d6-ff50-4f9d-8b1b-38d9b0d023d8" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upstart-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-e0b9a1d7-43f9-42e1-b61e-d75cc22279ac" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">6%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">28%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #00143D"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Emergency<span class="display-none">24%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">8%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">13%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">21%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/21/24 - 11/20/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="tf691e5d6-ff50-4f9d-8b1b-38d9b0d023d8" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="tf691e5d6-ff50-4f9d-8b1b-38d9b0d023d8" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Achieve: Best lender for pre-renovation debt consolidation</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Achieve Personal Loans.png?auto=webp&fit=&width=200&format=pjpg" alt="Achieve" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Achieve is a digital personal finance company that offers personal loans, home equity loans and debt management resources and tools. Over the past 20 years, the lender has served over a million people, giving it a trusted reputation in the lending industry.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/achieve/">Read Bankrate's Expert Achieve Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 8.99%–29.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $5k– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 620</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-32a2a183-76f1-4936-bc50-a078cb4f07c6"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A loan from Achieve may be better for those who aren’t in a rush to renovate their homes and prefer to improve their credit scores first by paying off revolving debt, like credit cards. A large reduction in your credit utilization ratio could put you on track to much lower home improvement loan rates later on.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A loan from Achieve may be better for those who aren’t in a rush to renovate their homes and prefer to improve their credit scores first by paying off revolving debt, like credit cards. A large reduction in your credit utilization ratio could put you on track to much lower home improvement loan rates later on.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Good rates for fair credit scores</li> <li>Co-borrowing available</li> <li>Available in 41 states</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Multiple rate discounts available </li> <li>Established in 2002</li> <li>Prequalification available</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Good rates for fair credit scores</li> <li>Co-borrowing available</li> <li>Available in 41 states</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Multiple rate discounts available </li> <li>Established in 2002</li> <li>Prequalification available</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-achieve-borrowersspan', 'heading-span-classtext-bankrate-insights-on-achieve-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-achieve-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-achieve-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on achieve borrowers " data-position="3" data-text=" Bankrate insights on Achieve borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Achieve borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-achieve-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-achieve-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Achieve used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-ff1688a6-13b1-43e1-8e39-6363f1a87e29" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Achieve used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">43%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">57%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/21/24 - 11/20/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="tbf8153d5-d75c-4624-a586-d1b0bb454117" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="tbf8153d5-d75c-4624-a586-d1b0bb454117" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-achieve-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-achieve-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Achieve used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-ff1688a6-13b1-43e1-8e39-6363f1a87e29" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Achieve used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">43%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">57%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/21/24 - 11/20/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="tbf8153d5-d75c-4624-a586-d1b0bb454117" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="tbf8153d5-d75c-4624-a586-d1b0bb454117" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Citi Personal Loan: Best lender for no fees</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Citi.png?auto=webp&fit=&width=200&format=pjpg" alt="Citi® Personal Loan" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.6</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Citi is a global bank that offers a complete hub of financial products and services. Its personal loans come with automatic payment discounts and zero fees. </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/citi/">Read Bankrate's Expert Citi Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 11.49%–20.49%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $2k– $30k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 720</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-e0685910-20d8-4346-9638-6107d44fcad0"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Good credit borrowers who want fast funding without any extra fees will benefit from a loan from Citi. Qualified Citi borrowers may receive funds within 24 hours of approval to pay for a home improvement project quickly. You can also get a discount for signing up for autopay and another if you are a Citigold or Citi Priority customer.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Good credit borrowers who want fast funding without any extra fees will benefit from a loan from Citi. Qualified Citi borrowers may receive funds within 24 hours of approval to pay for a home improvement project quickly. You can also get a discount for signing up for autopay and another if you are a Citigold or Citi Priority customer.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Zero fees</li> <li>Terms as short as one year</li> <li>Discounts for current Citi customers</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>High credit score required</li> <li>Funds may be available same day</li> <li>Discounts for autopay</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Zero fees</li> <li>Terms as short as one year</li> <li>Discounts for current Citi customers</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>High credit score required</li> <li>Funds may be available same day</li> <li>Discounts for autopay</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-citi-borrowersspan', 'heading-span-classtext-bankrate-insights-on-citi-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-citi-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-citi-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on citi borrowers " data-position="3" data-text=" Bankrate insights on Citi borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Citi borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-citi-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-citi-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-citi-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-citi-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Best Egg: Best lender for unique secured loans</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Best Egg.png?auto=webp&fit=&width=200&format=pjpg" alt="Best Egg" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.6</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Best Egg is a well-known lender due to its ample benefits and unique member perks. Plus, those with fair credit may qualify.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/best-egg/">Read Bankrate's Expert Best Egg Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 6.99%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $2k– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-419de7c4-ac2b-4012-bec1-1e2ef35f8515"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A Best Egg home improvement loan may be better for borrowers with fair credit working on a midsize project who want the flexibility to use assets as collateral.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A Best Egg home improvement loan may be better for borrowers with fair credit working on a midsize project who want the flexibility to use assets as collateral.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Multiple secured loan options</li> <li>Good alternative to home equity loans</li> <li>Available in 47 states</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Major discounts for secured home loan</li> <li>Customer service is available Monday through Friday</li> <li>Online application</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Multiple secured loan options</li> <li>Good alternative to home equity loans</li> <li>Available in 47 states</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Major discounts for secured home loan</li> <li>Customer service is available Monday through Friday</li> <li>Online application</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan', 'heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on best egg borrowers " data-position="3" data-text=" Bankrate insights on Best Egg borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Best Egg borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Best Egg used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-0b03f2a6-7618-429c-afea-2ab9e16212e0" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Best Egg used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">9%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">45%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #00143D"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Emergency<span class="display-none">18%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">7%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">8%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">13%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/21/24 - 11/20/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t1e5a8b67-3ca1-44db-957f-3d5da2d14b0b" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t1e5a8b67-3ca1-44db-957f-3d5da2d14b0b" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Best Egg used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-0b03f2a6-7618-429c-afea-2ab9e16212e0" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Best Egg used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">9%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">45%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #00143D"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Emergency<span class="display-none">18%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">7%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">8%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">13%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/21/24 - 11/20/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t1e5a8b67-3ca1-44db-957f-3d5da2d14b0b" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t1e5a8b67-3ca1-44db-957f-3d5da2d14b0b" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>LendingClub: Best lender for adding a co-borrower</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/LendingClub.png?auto=webp&fit=&width=200&format=pjpg" alt="LendingClub" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.5</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Until 2021, LendingClub operated as a peer-to-peer lender but has since transitioned to a lending marketplace and bank. You can apply for a loan online and get a quote without a hard pull on your credit report.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/lending-club/">Read Bankrate's Expert LendingClub Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 9.06%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $1k– $40k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-9585474b-0f36-41ff-8a50-5bd49400471c"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Those who need a co-borrower to help qualify for larger home improvement loan amounts. LendingClub also lets you borrow as little as $1,000, which is convenient for small home repairs. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Those who need a co-borrower to help qualify for larger home improvement loan amounts. LendingClub also lets you borrow as little as $1,000, which is convenient for small home repairs. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Lower credit score minimum</li> <li>Mobile app</li> <li>Can add a co-borrower</li> <li>Established in 2007</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Available in all states</li> <li>Funds available within a day</li> <li>Can change your due date</li> <li>Over 4 million loans funded</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Lower credit score minimum</li> <li>Mobile app</li> <li>Can add a co-borrower</li> <li>Established in 2007</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Available in all states</li> <li>Funds available within a day</li> <li>Can change your due date</li> <li>Over 4 million loans funded</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-lendingclub-borrowersspan', 'heading-span-classtext-bankrate-insights-on-lendingclub-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on lendingclub borrowers " data-position="3" data-text=" Bankrate insights on LendingClub borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on LendingClub borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LendingClub used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-4e645278-8ba8-41ff-92c5-bdd1e3e656fb" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LendingClub used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">27%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">73%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/21/24 - 11/20/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t752a548b-1317-4cbc-815e-8c413126d210" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t752a548b-1317-4cbc-815e-8c413126d210" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LendingClub used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-4e645278-8ba8-41ff-92c5-bdd1e3e656fb" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LendingClub used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">27%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">73%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/21/24 - 11/20/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t752a548b-1317-4cbc-815e-8c413126d210" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t752a548b-1317-4cbc-815e-8c413126d210" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Upgrade: Best for fast funding for fair credit</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Upgrade.png?auto=webp&fit=&width=200&format=pjpg" alt="Upgrade" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> In the past six years, Upgrade has made over $31 billion in credit available to its customers. Headquartered in San Francisco, but with offices in Phoenix, Montreal, Orange County and Atlanta, Upgrade offers multiple financial products and services, like credit cards, personal loans and savings accounts.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/upgrade/">Read Bankrate's Expert Upgrade Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 9.99%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $1k– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 580</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-1426b0cd-f73f-4dca-a47f-e7ae43fa9574"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Those with fair or less-than-ideal credit who need funds fast are likely to find a loan from Upgrade useful. Upgrade is also notable for terms of up to seven years, longer than what’s offered by other fair credit companies. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Those with fair or less-than-ideal credit who need funds fast are likely to find a loan from Upgrade useful. Upgrade is also notable for terms of up to seven years, longer than what’s offered by other fair credit companies. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Completely online process</li> <li>Lower minimum credit score requirement</li> <li>Can pay consolidation lender balance directly</li> <li>Mobile app available</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Next-day funding potential</li> <li>Available in all states</li> <li>Secured loan option</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Completely online process</li> <li>Lower minimum credit score requirement</li> <li>Can pay consolidation lender balance directly</li> <li>Mobile app available</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Next-day funding potential</li> <li>Available in all states</li> <li>Secured loan option</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan', 'heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on upgrade borrowers " data-position="3" data-text=" Bankrate insights on Upgrade borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Upgrade borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Prosper: Best peer-to-peer lender</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Prosper.png?auto=webp&fit=&width=200&format=pjpg" alt="Prosper" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.6</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Prosper is a peer-to-peer lender that matches borrowers with multiple investors rather than individual banks or financial institutions. Established in 2005, the company has over two million customers, earning a positive reputation in the lending industry.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/prosper/">Read Bankrate's Expert Prosper Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 8.99%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $2k– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 640</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-bd71c8ee-587f-4531-a7c3-f2805b724172"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers looking for a lender that has several investors reviewing their applications for the best rates and terms are likely to benefit from a Prosper loan. It offers fixed-rate unsecured personal loans to borrowers with fair to excellent credit and the application process is simple and quick.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers looking for a lender that has several investors reviewing their applications for the best rates and terms are likely to benefit from a Prosper loan. It offers fixed-rate unsecured personal loans to borrowers with fair to excellent credit and the application process is simple and quick.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Peer-to-peer platform</li> <li>Co-borrowers allowed</li> <li>Good rates for fair credit</li> <li>No prepayment penalties</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Funds may be available in one business day</li> <li>Established in 2005</li> <li>Available in 48 states</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Peer-to-peer platform</li> <li>Co-borrowers allowed</li> <li>Good rates for fair credit</li> <li>No prepayment penalties</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Funds may be available in one business day</li> <li>Established in 2005</li> <li>Available in 48 states</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-prosper-borrowersspan', 'heading-span-classtext-bankrate-insights-on-prosper-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-prosper-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-prosper-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on prosper borrowers " data-position="3" data-text=" Bankrate insights on Prosper borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Prosper borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-prosper-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-prosper-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-prosper-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-prosper-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Discover: Best lender for competitive fair credit rates</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Discover.png?auto=webp&fit=&width=200&format=pjpg" alt="Discover" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.8 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 71%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.8</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Discover, headquartered in Illinois, is well-known for its credit cards and banking. Its personal loans offer low start rates and terms as long as seven years. </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/discover/">Read Bankrate's Expert Discover Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 7.99%–24.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $2.5k– $40k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 660</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-1834ffbf-9a59-4d88-a6a1-0686b3c7547b"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Discover is better for those who don’t quite meet the requirements for good or excellent credit and who need lower rates or longer-term options. Its maximum rate is about 10 percent less than other fair credit lenders, which could give you a much lower monthly payment. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Discover is better for those who don’t quite meet the requirements for good or excellent credit and who need lower rates or longer-term options. Its maximum rate is about 10 percent less than other fair credit lenders, which could give you a much lower monthly payment. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Low minimum APRs</li> <li>Longer term options than many lenders</li> <li>Seven-day-a-week customer service</li> <li>No origination fees</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Lower maximum rate than many competitors</li> <li>Available in all states</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Low minimum APRs</li> <li>Longer term options than many lenders</li> <li>Seven-day-a-week customer service</li> <li>No origination fees</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Lower maximum rate than many competitors</li> <li>Available in all states</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-discover-borrowersspan', 'heading-span-classtext-bankrate-insights-on-discover-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-discover-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-discover-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on discover borrowers " data-position="3" data-text=" Bankrate insights on Discover borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Discover borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-discover-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-discover-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-discover-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-discover-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> </div> <div id="what-are" class="SectionWithTocItem " data-beam-element-viewed id="what-are" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="What are home improvement loans?" data-position="2" data-text="" > <div class="wysiwyg display-block w-full"> <h2>What are home improvement loans?</h2> <p>A home improvement loan is a financing option used to <a class="Link" href="https://www.bankrate.com/loans/home-improvement/how-to-pay-for-home-improvements/">pay for home remodeling</a> and repairs. Loan amounts can range from $1,000 to $100,000 and standard repayment terms are between one and seven years.</p> <p>Home improvement loans are <a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-an-installment-loan/">installment loans</a>, meaning they have a fixed interest rate and stable monthly payment for a set period. Because they aren’t secured by your home, you don’t risk losing your property if you <a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-a-personal-loan-default/">default on the loan</a>. Once you're approved, you receive a lump sum and your repayment schedule starts with regular payments of principal and interest until the balance is paid in full.</p></div> </div> <div id="pros-cons" class="SectionWithTocItem " data-beam-element-viewed id="pros-cons" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="Pros and cons of home improvement loans" data-position="3" data-text="" > <div class="wysiwyg display-block w-full"> <h2>Pros and cons of home improvement loans</h2> <p>Considering a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/pros-and-cons-of-home-improvement-loans/">home improvement loan’s benefits and drawbacks</a> will also help you decide if it’s the right option for paying for your renovation goals. </p></div> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1514.2/next/img/svg/circle-check.svg" alt="Green circle with a checkmark inside"> </div> <h4 class="ProsAndConsItem-header"> Pros </h4> </div> <ul class="ProsAndConsItem-list"> <li>You're able to fund projects that may increase your home’s value.</li> <li>Most home improvement loans don’t use your home as collateral.</li> <li>Fixed loan amounts can help you avoid borrowing more than you need.</li> <li>Fixed interest rates provide predictable monthly payments.</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1514.2/next/img/svg/remove-circle.svg" alt="Red circle with an X inside"> </div> <h4 class="ProsAndConsItem-header"> Cons </h4> </div> <ul class="ProsAndConsItem-list"> <li>Home improvement loans may come with higher origination fees and APRs.</li> <li>Shorter repayment term options may make the monthly payment unaffordable.</li> <li>Late or missed payments could hurt your credit.</li> </ul> </div> </div> </div> <div id="types" class="SectionWithTocItem " data-beam-element-viewed id="types" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="Types of home improvement loans" data-text="" > <div class="wysiwyg display-inline"> <h2>Types of home improvement loans and their uses</h2> <p>There are many different <a class="Link" href="https://www.bankrate.com/loans/home-improvement/rates/">types of home improvement loans</a>. These are some of the most common:</p> <div><span id="docs-internal-guid-501a28f6-7fff-d260-c8ea-849b00bc8f42"></span></div></div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <ul class="Accordion w-full" data-cy="accordion-291c429c-6b06-40f9-91c0-37a825d48daa"> <li x-id="['panel-personal-loans', 'heading-personal-loans']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-personal-loans')" :aria-controls="$id('panel-personal-loans')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" personal loans " data-position="1" data-text=" Personal loans " data-outcome="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Personal loans</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-personal-loans')" :labelledBy="$id('heading-personal-loans')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-block w-full"> <p><a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-a-personal-loan/">Personal loans</a> are unsecured loans that can be used for almost any purpose. They can have interest rates under 8 percent and repayment terms of up to seven years. Approval and rates are based on your credit score and history.</p> <ul> <li><strong>Who it’s best for:</strong> Personal loans are best for those who want to avoid using their home as collateral to secure a loan or need quick cash to get a project going. Personal loans also tend to be best for borrowers with good credit, because interest rates are based on your creditworthiness.</li> <li><strong>What to watch out for:</strong> Personal loans may have high interest rates and fees. Make sure you compare multiple loans before committing to a lender. Check the lender’s minimum and maximum loan amount to make sure you can borrow as much or as little as you need for your home improvement plans.</li> <li><strong>When to get started:</strong> You should start looking for personal loans when you have a reasonable idea of how much you need to borrow. Funds can be delivered quickly and many lenders offer same or next-day application approval. That is good news if you need to pay upfront money to contractors to get your improvements started.</li> <li><strong>How to get started:</strong> Look for lenders offering loans within your credit score and loan amount range. Then, get prequalified with at least three lenders. Compare the rates and fees to ensure you get the best offer. </li> </ul> <p><strong>See Related:</strong> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/rates/">Best personal loan rates</a></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-personal-loans')" :labelledBy="$id('heading-personal-loans')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-block w-full"> <p><a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-a-personal-loan/">Personal loans</a> are unsecured loans that can be used for almost any purpose. They can have interest rates under 8 percent and repayment terms of up to seven years. Approval and rates are based on your credit score and history.</p> <ul> <li><strong>Who it’s best for:</strong> Personal loans are best for those who want to avoid using their home as collateral to secure a loan or need quick cash to get a project going. Personal loans also tend to be best for borrowers with good credit, because interest rates are based on your creditworthiness.</li> <li><strong>What to watch out for:</strong> Personal loans may have high interest rates and fees. Make sure you compare multiple loans before committing to a lender. Check the lender’s minimum and maximum loan amount to make sure you can borrow as much or as little as you need for your home improvement plans.</li> <li><strong>When to get started:</strong> You should start looking for personal loans when you have a reasonable idea of how much you need to borrow. Funds can be delivered quickly and many lenders offer same or next-day application approval. That is good news if you need to pay upfront money to contractors to get your improvements started.</li> <li><strong>How to get started:</strong> Look for lenders offering loans within your credit score and loan amount range. Then, get prequalified with at least three lenders. Compare the rates and fees to ensure you get the best offer. </li> </ul> <p><strong>See Related:</strong> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/rates/">Best personal loan rates</a></p></div> </div> </div> </noscript> </li> <li x-id="['panel-home-equity-loans', 'heading-home-equity-loans']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-home-equity-loans')" :aria-controls="$id('panel-home-equity-loans')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" home equity loans " data-position="2" data-text=" Home equity loans " data-outcome="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Home equity loans</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-home-equity-loans')" :labelledBy="$id('heading-home-equity-loans')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <p><a class="Link" href="https://www.bankrate.com/home-equity/what-is-home-equity-loan/">Home equity loans</a> are lump-sum, secured loans that use your home as collateral. Because terms are usually 15 to 30 years, you can expect a lower monthly payment than a personal loan. But make sure to understand how a longer term impacts the total interest you pay over time.</p> <ul> <li><strong>Who it’s best for:</strong> Home equity loans are best for homeowners with significant equity in their home and prefer the lower payment that comes with longer repayment term periods. Many home equity lenders allow you to borrow up to 85 percent of your home’s value. </li> <li><strong>What to watch out for:</strong> Home equity loans use your home as collateral. That means you could lose your home if you default on your payments. Be prepared to pay the appraisal fee in advance, which could be several hundred dollars, depending on the lender. </li> <li><strong>When to get started:</strong> Before applying for a home equity loan, you should fine-tune your renovation cost estimates. Be flexible: You won’t know how much you can borrow until the lender appraises your home. </li> <li><strong>How to get started:</strong> Once you know how much you need to borrow, you can compare lenders. Once you have selected a lender, submit an application and follow the steps they outline to complete the process.</li> </ul> <p><strong>See Related:</strong> <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/">Best home equity loan rates</a></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-home-equity-loans')" :labelledBy="$id('heading-home-equity-loans')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <p><a class="Link" href="https://www.bankrate.com/home-equity/what-is-home-equity-loan/">Home equity loans</a> are lump-sum, secured loans that use your home as collateral. Because terms are usually 15 to 30 years, you can expect a lower monthly payment than a personal loan. But make sure to understand how a longer term impacts the total interest you pay over time.</p> <ul> <li><strong>Who it’s best for:</strong> Home equity loans are best for homeowners with significant equity in their home and prefer the lower payment that comes with longer repayment term periods. Many home equity lenders allow you to borrow up to 85 percent of your home’s value. </li> <li><strong>What to watch out for:</strong> Home equity loans use your home as collateral. That means you could lose your home if you default on your payments. Be prepared to pay the appraisal fee in advance, which could be several hundred dollars, depending on the lender. </li> <li><strong>When to get started:</strong> Before applying for a home equity loan, you should fine-tune your renovation cost estimates. Be flexible: You won’t know how much you can borrow until the lender appraises your home. </li> <li><strong>How to get started:</strong> Once you know how much you need to borrow, you can compare lenders. Once you have selected a lender, submit an application and follow the steps they outline to complete the process.</li> </ul> <p><strong>See Related:</strong> <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/">Best home equity loan rates</a></p></div> </div> </div> </noscript> </li> <li x-id="['panel-heloc', 'heading-heloc']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-heloc')" :aria-controls="$id('panel-heloc')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" home equity line of credit (heloc) " data-position="3" data-text=" Home equity line of credit (HELOC) " data-outcome="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Home equity line of credit (HELOC)</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-heloc')" :labelledBy="$id('heading-heloc')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <p>A <a class="Link" href="https://www.bankrate.com/home-equity/what-is-heloc">HELOC</a> is a revolving line of credit secured by the equity in your home, which acts as collateral. HELOCs work like credit cards: You can take money out for home-related expenses as needed. You will only make payments on the amount you use. Rates are usually variable. </p> <ul> <li><strong>Who it’s best for:</strong> HELOCs are best for people doing larger home improvement projects who don’t need all the funds at once. A line of credit allows you to take out what you need when you need it and is ideal for projects that require flexibility.</li> <li><strong>What to watch out for:</strong> Make sure you understand how the HELOC terms work, especially the initial “draw” period, which is the number of years you can use and re-use the credit. After the draw period ends, you must repay the balance for the remaining term in monthly installments. Like a home equity loan, your home secures a HELOC. You could lose your home if you do not make payments. </li> <li><strong>When to get started:</strong> Getting a HELOC typically requires a home appraisal, so it is a good idea to apply for the loan before you begin your home improvement project.</li> <li><strong>How to get started</strong>: Start by comparing lenders and finding the ones that meet your needs. Many local banks and credit unions offer HELOC rate discounts if you already have an account. Once you know what rates and terms you qualify for, choose a lender and apply.</li> </ul> <p><strong>See Related:</strong> <a class="Link" href="https://www.bankrate.com/home-equity/heloc-rates/">Best home equity line of credit rates</a></p> <p> </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-heloc')" :labelledBy="$id('heading-heloc')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <p>A <a class="Link" href="https://www.bankrate.com/home-equity/what-is-heloc">HELOC</a> is a revolving line of credit secured by the equity in your home, which acts as collateral. HELOCs work like credit cards: You can take money out for home-related expenses as needed. You will only make payments on the amount you use. Rates are usually variable. </p> <ul> <li><strong>Who it’s best for:</strong> HELOCs are best for people doing larger home improvement projects who don’t need all the funds at once. A line of credit allows you to take out what you need when you need it and is ideal for projects that require flexibility.</li> <li><strong>What to watch out for:</strong> Make sure you understand how the HELOC terms work, especially the initial “draw” period, which is the number of years you can use and re-use the credit. After the draw period ends, you must repay the balance for the remaining term in monthly installments. Like a home equity loan, your home secures a HELOC. You could lose your home if you do not make payments. </li> <li><strong>When to get started:</strong> Getting a HELOC typically requires a home appraisal, so it is a good idea to apply for the loan before you begin your home improvement project.</li> <li><strong>How to get started</strong>: Start by comparing lenders and finding the ones that meet your needs. Many local banks and credit unions offer HELOC rate discounts if you already have an account. Once you know what rates and terms you qualify for, choose a lender and apply.</li> </ul> <p><strong>See Related:</strong> <a class="Link" href="https://www.bankrate.com/home-equity/heloc-rates/">Best home equity line of credit rates</a></p> <p> </p></div> </div> </div> </noscript> </li> <li x-id="['panel-cash-out-refinancing', 'heading-cash-out-refinancing']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-cash-out-refinancing')" :aria-controls="$id('panel-cash-out-refinancing')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" cash-out refinancing " data-position="4" data-text=" Cash-out refinancing " data-outcome="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Cash-out refinancing</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-cash-out-refinancing')" :labelledBy="$id('heading-cash-out-refinancing')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-block w-full"> <p><a class="Link" href="https://www.bankrate.com/mortgages/refinancing-for-home-improvement/">Cash-out refinancing</a> involves replacing your existing mortgage with a larger one. You receive the difference between what you previously owed and your new loan amount in a lump sum. As with home equity loans, you’re <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-for-improvement-renovation/">using your equity to remodel your home</a>. Rates are fixed.</p> <ul> <li><strong>Who it’s best for: </strong>Cash-out refinancing is best for those who have significant equity in their home and want a low payment with a very long repayment term. Repayment terms stretch up to 30 years. </li> <li><strong>What to watch out for: </strong>As with your original mortgage, cash-out financing uses your home as collateral. So, you could lose your home if you fail to make payments. Additionally, you’ll reduce your equity in the home by increasing the amount you owe relative to its value. Most lenders let you borrow up to 80 percent of the value of your home.</li> <li><strong>When to get started: </strong>Cash-out refinancing requires an appraisal and the full lending process may take up to 60 days. Start the process well before your home improvements are due to begin.</li> <li><strong>How to get started:</strong> Compare at least three mortgage lenders to see available rates. Bankrate’s experts advise against opting for a cash-out refinance if it means taking on a higher interest rate than you currently have. </li> </ul> <p><strong>See Related:</strong> <a class="Link" href="https://www.bankrate.com/mortgages/cash-out-refinance-rates/">Cash-out refinancing rates</a></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-cash-out-refinancing')" :labelledBy="$id('heading-cash-out-refinancing')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-block w-full"> <p><a class="Link" href="https://www.bankrate.com/mortgages/refinancing-for-home-improvement/">Cash-out refinancing</a> involves replacing your existing mortgage with a larger one. You receive the difference between what you previously owed and your new loan amount in a lump sum. As with home equity loans, you’re <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-for-improvement-renovation/">using your equity to remodel your home</a>. Rates are fixed.</p> <ul> <li><strong>Who it’s best for: </strong>Cash-out refinancing is best for those who have significant equity in their home and want a low payment with a very long repayment term. Repayment terms stretch up to 30 years. </li> <li><strong>What to watch out for: </strong>As with your original mortgage, cash-out financing uses your home as collateral. So, you could lose your home if you fail to make payments. Additionally, you’ll reduce your equity in the home by increasing the amount you owe relative to its value. Most lenders let you borrow up to 80 percent of the value of your home.</li> <li><strong>When to get started: </strong>Cash-out refinancing requires an appraisal and the full lending process may take up to 60 days. Start the process well before your home improvements are due to begin.</li> <li><strong>How to get started:</strong> Compare at least three mortgage lenders to see available rates. Bankrate’s experts advise against opting for a cash-out refinance if it means taking on a higher interest rate than you currently have. </li> </ul> <p><strong>See Related:</strong> <a class="Link" href="https://www.bankrate.com/mortgages/cash-out-refinance-rates/">Cash-out refinancing rates</a></p></div> </div> </div> </noscript> </li> <li x-id="['panel-fha-203k-rehab-loan', 'heading-fha-203k-rehab-loan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-fha-203k-rehab-loan')" :aria-controls="$id('panel-fha-203k-rehab-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" fha 203(k) rehab loan " data-position="5" data-text=" FHA 203(k) rehab loan " data-outcome="" data-variant="" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> FHA 203(k) rehab loan</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-fha-203k-rehab-loan')" :labelledBy="$id('heading-fha-203k-rehab-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <p><a class="Link" href="https://www.bankrate.com/mortgages/what-is-203k-loan/">FHA 203(k) rehab loans</a>, also known as Section 203(k) loans, finance both the purchasing and remodeling or repairing of a home in one loan. These mortgages are insured by the Federal Housing Administration (FHA) and come with a fixed rate. The average <a class="Link" href="https://www.bankrate.com/mortgages/fha-loan-rates/">FHA loan rate</a> currently hovers around 6.56 percent.</p> <ul> <li><strong>Who it’s best for:</strong> FHA 203(k) loans are best for those who plan on buying and renovating a home in one go. Because the FHA has more lenient credit score standards than many home equity lenders, this may be a better option for borrowers with bad credit.</li> <li><strong>What to watch out for:</strong> There are two kinds of FHA 203(k) loans. Limited 203(k) loans are for non-structural projects valued at less than $35,000, while standard 203 (k) loans are for more involved projects with a minimum cost of $5,000. Know which kind you need before you start applying. Also, because this is a mortgage product secured by your home, you could lose the home if you cannot repay it.</li> <li><strong>When to get started: </strong>Begin shopping for a FHA 203(k) loan after you have chosen a home and have a good estimate of the extent and price of the needed improvements. </li> <li><strong>How to get started: </strong>After assessing whether you qualify, begin your search with FHA-approved lenders, which include banks, credit unions and online lenders. Compare rates offered by each lender and make sure to consider closing costs and other fees.</li> </ul> <p><strong>See Related:</strong> <a class="Link" href="https://www.bankrate.com/mortgages/best-lenders/203k-rehab-mortgage-lenders/?tpt=b">Best FHA 203(k) rehab mortgage lenders</a></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-fha-203k-rehab-loan')" :labelledBy="$id('heading-fha-203k-rehab-loan')" role="region" > <div class="Accordion-content text-slate"> <div class="wysiwyg display-inline"> <p><a class="Link" href="https://www.bankrate.com/mortgages/what-is-203k-loan/">FHA 203(k) rehab loans</a>, also known as Section 203(k) loans, finance both the purchasing and remodeling or repairing of a home in one loan. These mortgages are insured by the Federal Housing Administration (FHA) and come with a fixed rate. The average <a class="Link" href="https://www.bankrate.com/mortgages/fha-loan-rates/">FHA loan rate</a> currently hovers around 6.56 percent.</p> <ul> <li><strong>Who it’s best for:</strong> FHA 203(k) loans are best for those who plan on buying and renovating a home in one go. Because the FHA has more lenient credit score standards than many home equity lenders, this may be a better option for borrowers with bad credit.</li> <li><strong>What to watch out for:</strong> There are two kinds of FHA 203(k) loans. Limited 203(k) loans are for non-structural projects valued at less than $35,000, while standard 203 (k) loans are for more involved projects with a minimum cost of $5,000. Know which kind you need before you start applying. Also, because this is a mortgage product secured by your home, you could lose the home if you cannot repay it.</li> <li><strong>When to get started: </strong>Begin shopping for a FHA 203(k) loan after you have chosen a home and have a good estimate of the extent and price of the needed improvements. </li> <li><strong>How to get started: </strong>After assessing whether you qualify, begin your search with FHA-approved lenders, which include banks, credit unions and online lenders. Compare rates offered by each lender and make sure to consider closing costs and other fees.</li> </ul> <p><strong>See Related:</strong> <a class="Link" href="https://www.bankrate.com/mortgages/best-lenders/203k-rehab-mortgage-lenders/?tpt=b">Best FHA 203(k) rehab mortgage lenders</a></p></div> </div> </div> </noscript> </li> </ul> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h4 class="mt-0 mb-4 max-w text-center sm:text-left"> The author's expert insight </h4> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full"> <p>"It’s important to understand the revolving credit feature of a HELOC only lasts for a set time – usually no more than 10 years. After that time, the entire balance is repaid on a fixed schedule for the remaining loan term. That can shock people who made <a class="Link" href="https://www.bankrate.com/home-equity/what-is-an-interest-only-heloc/">interest-only</a> payments during the revolving period. The other drawback is HELOC rates are usually variable, which may make the payment unaffordable if the Fed is hiking rates regularly."</p> <p class="text-blue text-blue-600"><strong>- Denny Ceizyk, Senior Loans Writer</strong></p></div> </div> </div> </div> </div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> </div> <div id="how-to-compare" class="SectionWithTocItem " data-beam-element-viewed id="how-to-compare" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="How to compare home improvement loan lenders" data-position="4" data-text="" > <div class="wysiwyg display-block w-full"> <h2>How to compare home improvement loan lenders</h2> <p>It's always best to get quotes from a few lenders before applying for a loan so you can determine the best offer. When <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-to-choose-the-best-personal-loan-lender/">comparing lenders</a>, keep an eye on these factors.</p> <ul> <li><strong>Approval requirements:</strong> Every lender sets its own threshold for approving potential borrowers. They consider your income, credit score and debt-to-income ratio. If you have below-average credit, look for lenders that use other approval criteria. Some will consider your area of study or job history.</li> <li><strong>Interest rates and fees:</strong> The lowest advertised rate is never guaranteed, so compare your actual quotes. When comparing interest rates, make sure to factor in fees or penalties. Origination fees or application fees can significantly add to the overall cost of your loan.</li> <li><strong>Co-signers:</strong> Adding a co-signer may boost your approval odds or getting low rates if you have fair or poor credit. But not all lenders offer this option.</li> <li><strong>Loan amounts:</strong> The scope of your home project or repair sets how much you need to borrow. If you are remodeling your kitchen, you will likely need a larger loan than just replacing an appliance. Ensure the lender offers loan amounts as high or low as you need.</li> <li><strong>Repayment options: </strong>A good home improvement loan lender usually offers repayment terms ranging from 12 to 84 months. The longer the term, the lower the monthly payment — but the more interest you pay over the life of the loan. </li> <li><strong>Unique features:</strong> Keep an eye out for lenders with any unique perks or restrictions. For example, some lenders offer discounts if you set up automatic payments from your bank account. Others may charge a fee if you pay the loan off before the full term.</li> <li><strong>Customer service:</strong> Check the company's business hours, particularly if you prefer in-person service to online.Check company reviews on various platforms to see what consumers say about their experiences. </li> </ul></div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> </div> <div id="how-to-get" class="SectionWithTocItem " data-beam-element-viewed id="how-to-get" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="How to get a home improvement loan " data-position="5" data-text="" > <div class="wysiwyg display-block w-full"> <h2>How to get a home improvement loan </h2> <p>To determine your best loan option, compare the characteristics and drawbacks of each type of funding with your own needs and circumstances. For example, if you urgently need to replace your roof following a storm, you might need the fast timeline and large amount a personal loan can provide. When you’re ready, follow these steps to <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-to-apply-for-a-home-improvement-loan">apply for a home improvement loan</a>.</p> <ul> <li><strong>Shop around for rates:</strong> After you’ve chosen a loan type, research lenders offering it. Make sure the lenders you are interested in serve borrowers with your credit profile and offer the loan amounts and term lengths you want.</li> <li><strong>Gather documentation:</strong> Lenders have similar <a class="Link" href="https://www.bankrate.com/loans/personal-loans/documents-required-for-personal-loan/">documentation requirements</a>. Most will want to see your photo ID, proof of income and proof of residence. You may also need to provide information on your housing payment and any current debts you have.</li> <li><strong>Get prequalified:</strong> If the lenders you’re considering offer prequalification, it’s a great way to compare possible rates and monthly payments without hurting your credit score. Prequalify for multiple lenders at once and look for the best deal.</li> <li><strong>Fill out your application:</strong> After you’ve chosen a lender, complete a full application. Check the information you provide thoroughly to avoid mistakes. Most lenders do a hard credit check when you complete a formal application, so if you’re applying to more than one, keep your applications within a 14-day period to limit damage to your credit score.</li> </ul> <h3>Where to get a home improvement loan</h3> <p>You can get home improvement loans from the same institutions as you would a personal loan. This includes most banks, online lenders, credit unions and <a class="Link" href="https://www.bankrate.com/loans/personal-loans/peer-to-peer-lending-vs-bank-loan/" target="_blank" rel="noopener">peer-to-peer lenders</a>.</p> <ul> <li><strong>Bank or credit union:</strong> If you have good credit and a solid repayment history, then start with your bank or credit union to see what rate you're offered. Plus, banks often give preexisting customers exclusive benefits for borrowing with them again, like extended grace periods or interest rate reductions. If the rates aren't ideal, turn to an online lender. </li> <li><strong>Online lender:</strong> Online lenders may offer lower interest rates than other lending institutions. The offers may also be easier to compare since the application process is completed online. The applications are typically completed within minutes, but this depends on the lender. However, if your credit isn't where you want it to be, then starting with a peer-to-peer lender may be better for you.</li> <li><strong style="font-size: 1em;">Peer-to-peer lenders:</strong><span style="font-size: 1em;"> Peer-to-peer lenders may offer lower rates than online lenders and are most likely to approve borrowers with a shaky credit profile.</span></li> </ul></div> </div> <div id="alternatives" class="SectionWithTocItem " data-beam-element-viewed id="alternatives" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="Alternatives to home improvement loans" data-position="6" data-text="" > <div class="vertical-spacer pt-" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h2>Alternatives to home improvement loans</h2> <p>If you’ve determined that a personal loan isn’t the best option for you, look into these alternatives instead.</p></div> <ul class="Accordion w-full border-0" data-cy="accordion-79f8bcc7-44da-4203-8c3e-ced3d967d909"> <li x-id="['panel-credit-cards', 'heading-credit-cards']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-credit-cards')" :aria-controls="$id('panel-credit-cards')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" credit cards " data-position="1" data-text=" Credit cards " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Credit cards</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-credit-cards')" :labelledBy="$id('heading-credit-cards')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full"> <p><a class="Link" href="https://www.bankrate.com/credit-cards/best-credit-cards/" target="_blank" rel="noopener">Credit cards</a> are also another option you can explore. They can provide quick funding, a “spend-as-you-go” approach and can be repaid over the course of many months. However, credit cards have among the highest interest rates in the market, with an <a class="Link" href="https://www.creditcards.com/news/rate-report/" target="_blank" rel="noopener">average interest rate above 20 percent</a>.</p> <p>When choosing a credit card for home repairs, try qualifying for a <a class="Link" href="https://www.bankrate.com/credit-cards/zero-interest/best-zero-interest-cards/">0 percent introductory rate card</a>. These will allow you to fund your project without accruing interest for the first few months. After the introductory term, you’ll face a variable APR.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-credit-cards')" :labelledBy="$id('heading-credit-cards')" role="region" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full"> <p><a class="Link" href="https://www.bankrate.com/credit-cards/best-credit-cards/" target="_blank" rel="noopener">Credit cards</a> are also another option you can explore. They can provide quick funding, a “spend-as-you-go” approach and can be repaid over the course of many months. However, credit cards have among the highest interest rates in the market, with an <a class="Link" href="https://www.creditcards.com/news/rate-report/" target="_blank" rel="noopener">average interest rate above 20 percent</a>.</p> <p>When choosing a credit card for home repairs, try qualifying for a <a class="Link" href="https://www.bankrate.com/credit-cards/zero-interest/best-zero-interest-cards/">0 percent introductory rate card</a>. These will allow you to fund your project without accruing interest for the first few months. After the introductory term, you’ll face a variable APR.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-government-loans', 'heading-government-loans']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-government-loans')" :aria-controls="$id('panel-government-loans')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" government loans " data-position="2" data-text=" Government loans " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Government loans</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-government-loans')" :labelledBy="$id('heading-government-loans')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full"> <p>Local government agencies, as well as the <a class="Link" href="https://www.hud.gov/improvements" target="_blank" rel="noopener">Department of Housing and Urban Development (HUD)</a> also offer a variety of grants and loans to pay for home improvements. Although these are low-cost loans, getting one can be a tall order as they tend to have very strict requirements to qualify. Additionally, government loans are typically restricted to necessary renovations that make the property livable, not cosmetic improvements.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-government-loans')" :labelledBy="$id('heading-government-loans')" role="region" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full"> <p>Local government agencies, as well as the <a class="Link" href="https://www.hud.gov/improvements" target="_blank" rel="noopener">Department of Housing and Urban Development (HUD)</a> also offer a variety of grants and loans to pay for home improvements. Although these are low-cost loans, getting one can be a tall order as they tend to have very strict requirements to qualify. Additionally, government loans are typically restricted to necessary renovations that make the property livable, not cosmetic improvements.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-cash-from-savings', 'heading-cash-from-savings']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-cash-from-savings')" :aria-controls="$id('panel-cash-from-savings')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" cash from savings " data-position="3" data-text=" Cash from savings " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Cash from savings</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-cash-from-savings')" :labelledBy="$id('heading-cash-from-savings')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full"> <p>If you have a nest egg big enough to pay for home repairs or renovations out of pocket, that’s probably the best way to go. You won’t have to worry about owing money to anyone, damaging your credit or incurring any interest or fees. That said, make sure not to go overboard — you'll want to leave enough for a rainy day.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-cash-from-savings')" :labelledBy="$id('heading-cash-from-savings')" role="region" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full"> <p>If you have a nest egg big enough to pay for home repairs or renovations out of pocket, that’s probably the best way to go. You won’t have to worry about owing money to anyone, damaging your credit or incurring any interest or fees. That said, make sure not to go overboard — you'll want to leave enough for a rainy day.</p></div> </div> </div> </noscript> </li> </ul> <div class="AskTheExperts border-grey border-1 rounded-lg bg-gray-light gap-4 p-8" x-data="{ author_id_active: '1486' }"> <h3 class="type-heading-three w-full mb-4"> Can I borrow more on my mortgage for home improvement?</h3> <ul class="AskTheExperts-panel -m-2" role="list"> <li class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-1" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '1486'" role="button" aria-label="Author name Denny Ceizyk"> <img srcset="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Denny Ceizyk</p> </button> </li> <li class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-2" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '1130'" role="button" aria-label="Author name Mark Kantrowitz"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Mark Kantrowitz</p> </button> </li> </ul> <hr class="w-full border-grey border-1 mx-0 my-2"> <div class="AskTheExperts-details" role="tabpanel"> <div x-show="author_id_active == '1486'" aria-labelledby="AskTheExperts-tab-1" role="tabpanel" style=""> <div class="AskTheExperts-detailsItem"> <a class="AskTheExperts-detailsAuthor no-underline" href="https://www.bankrate.com/authors/denny-ceizyk/"> <img srcset="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Denny Ceizyk</p> <p class="text-slate m-0">Senior writer, Loans</p> </div> </a> <div class="w-full mt-4 border-grey border-1 rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> Yes, but the best option may be one you don’t hear a lot about — a renovation loan. Many mortgage lenders will suggest a cash-out refinance, allowing you to borrow more than you owe and pocket the cash difference for your project. However, you can’t usually borrow more than 80 percent of your home’s current value, which may not be enough for a larger project. A renovation loan like the Fannie Mae Homestyle loan allows you to roll the labor, materials and closing costs into one loan up to 97 percent of your home’s value. What’s even better: The loan is based on the estimated value of your home after renovations, giving you even more borrowing power. There are a few drawbacks. First, the lender will need to approve your project. Second, funds are disbursed in draws rather than all at once.</p> </div> </div> </div> <div x-show="author_id_active == '1130'" aria-labelledby="AskTheExperts-tab-2" role="tabpanel" style="display: none;"> <div class="AskTheExperts-detailsItem"> <a class="AskTheExperts-detailsAuthor no-underline" href="https://www.bankrate.com/authors/mark-kantrowitz/"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Mark Kantrowitz</p> <p class="text-slate m-0">Nationally recognized student financial aid expert</p> </div> </a> <div class="w-full mt-4 border-grey border-1 rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> There are several options for borrowing more on your mortgage to pay for repairs and renovation. These include a cash-out refinance, a FHA 203(k) loan, a Fannie Mae HomeStyle loan and a Freddie Mac CHOICERenovation Mortgage. There are also Energy-Efficient Mortgages, or EEMs, that let you finance energy-efficient improvements to your home as part of an FHA or VA mortgage. Homeowners should compare the cost with obtaining a home equity loan or home equity line of credit (HELOC), since those options may be less expensive or more flexible. </p> </div> </div> </div> </div> </div> </div> <div id="faq" class="SectionWithTocItem " data-beam-element-viewed id="faq" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="FAQs" data-position="7" data-text="" > <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <div class="wysiwyg display-inline"> <h2>Frequently asked questions about home improvement loans</h2></div> <ul class="Accordion w-full" data-cy="accordion-e695019c-475a-4b9e-a19d-8d40f5d031f3"> <li x-id="['panel-can-a-home-improvement-loan-increase-my-homes-value', 'heading-can-a-home-improvement-loan-increase-my-homes-value']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-can-a-home-improvement-loan-increase-my-homes-value')" :aria-controls="$id('panel-can-a-home-improvement-loan-increase-my-homes-value')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" can a home improvement loan increase my home&#039;s value? " data-position="1" data-text=" Can a home improvement loan increase my home&#039;s value? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Can a home improvement loan increase my home's value?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-can-a-home-improvement-loan-increase-my-homes-value')" :labelledBy="$id('heading-can-a-home-improvement-loan-increase-my-homes-value')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Doing home improvement projects makes it less likely that you’ll have to pay for expensive repairs down the road. When you replace your roof and gutters, for example, you protect your home from water damage. <a class="Link" href="https://www.bankrate.com/homeownership/home-improvements-add-the-most-value/">Some projects add more value</a> to your home than others. How much time and effort you put in depends on the project itself and the <a class="Link" href="https://www.bankrate.com/loans/home-improvement/home-improvement-apps/">home improvement apps</a> and other tools you use.</p> <p>Some home improvement projects are expensive but add little value to your property. Comparing the project's cost to its value can help you determine your asking price when it’s time to sell.The remodeling projects that recoup the most cost, according to <a class="Link" href="https://www.remodeling.hw.net/cost-vs-value/2024/" target="_blank" rel="nofollow noopener">Remodeling's 2024 Cost vs. Value report</a>, include the following:</p> <ul> <li>Garage door replacement (193.9 percent of cost recouped)</li> <li>Steel entry door replacement (188.1 percent of cost recouped)</li> <li>Manufactured stone veneer (153.2 percent of cost recouped)</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-can-a-home-improvement-loan-increase-my-homes-value')" :labelledBy="$id('heading-can-a-home-improvement-loan-increase-my-homes-value')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Doing home improvement projects makes it less likely that you’ll have to pay for expensive repairs down the road. When you replace your roof and gutters, for example, you protect your home from water damage. <a class="Link" href="https://www.bankrate.com/homeownership/home-improvements-add-the-most-value/">Some projects add more value</a> to your home than others. How much time and effort you put in depends on the project itself and the <a class="Link" href="https://www.bankrate.com/loans/home-improvement/home-improvement-apps/">home improvement apps</a> and other tools you use.</p> <p>Some home improvement projects are expensive but add little value to your property. Comparing the project's cost to its value can help you determine your asking price when it’s time to sell.The remodeling projects that recoup the most cost, according to <a class="Link" href="https://www.remodeling.hw.net/cost-vs-value/2024/" target="_blank" rel="nofollow noopener">Remodeling's 2024 Cost vs. Value report</a>, include the following:</p> <ul> <li>Garage door replacement (193.9 percent of cost recouped)</li> <li>Steel entry door replacement (188.1 percent of cost recouped)</li> <li>Manufactured stone veneer (153.2 percent of cost recouped)</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-are-home-improvement-loans-tax-deductible', 'heading-are-home-improvement-loans-tax-deductible']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-are-home-improvement-loans-tax-deductible')" :aria-controls="$id('panel-are-home-improvement-loans-tax-deductible')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" are home improvement loans tax deductible? " data-position="2" data-text=" Are home improvement loans tax deductible? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Are home improvement loans tax deductible?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-are-home-improvement-loans-tax-deductible')" :labelledBy="$id('heading-are-home-improvement-loans-tax-deductible')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Personal loans for home improvement are not <a class="Link" href="https://www.bankrate.com/loans/personal-loans/are-home-improvement-loans-tax-deductible">tax deductible</a> because they're not secured by your home. <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-loan-vs-line-of-credit/">Home equity loans and home equity lines of credit</a>, on the other hand, use your home as collateral for the loan. Because of this, you may be able to deduct the interest paid on a home equity loan or HELOC if the funds were used to "buy, build or substantially improve" the home used as collateral.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-are-home-improvement-loans-tax-deductible')" :labelledBy="$id('heading-are-home-improvement-loans-tax-deductible')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Personal loans for home improvement are not <a class="Link" href="https://www.bankrate.com/loans/personal-loans/are-home-improvement-loans-tax-deductible">tax deductible</a> because they're not secured by your home. <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-loan-vs-line-of-credit/">Home equity loans and home equity lines of credit</a>, on the other hand, use your home as collateral for the loan. Because of this, you may be able to deduct the interest paid on a home equity loan or HELOC if the funds were used to "buy, build or substantially improve" the home used as collateral.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-how-much-can-you-borrow-with-a-home-improvement-loan', 'heading-how-much-can-you-borrow-with-a-home-improvement-loan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-much-can-you-borrow-with-a-home-improvement-loan')" :aria-controls="$id('panel-how-much-can-you-borrow-with-a-home-improvement-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" how much can you borrow with a home improvement loan? " data-position="3" data-text=" How much can you borrow with a home improvement loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How much can you borrow with a home improvement loan?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-much-can-you-borrow-with-a-home-improvement-loan')" :labelledBy="$id('heading-how-much-can-you-borrow-with-a-home-improvement-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Because home improvements do not use your home as collateral, you're not limited by the equity you have in your home. The individual lender determines the <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-much-can-you-borrow-with-a-home-improvement-loan/">amount you can borrow</a>. Most lenders offer loan amounts from $1,000 to $50,000, though some let you borrow up to $100,000.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-much-can-you-borrow-with-a-home-improvement-loan')" :labelledBy="$id('heading-how-much-can-you-borrow-with-a-home-improvement-loan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Because home improvements do not use your home as collateral, you're not limited by the equity you have in your home. The individual lender determines the <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-much-can-you-borrow-with-a-home-improvement-loan/">amount you can borrow</a>. Most lenders offer loan amounts from $1,000 to $50,000, though some let you borrow up to $100,000.</p></div> </div> </div> </noscript> </li> </ul> <button id="back-to-top" class="BackToTop" type="button" > <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Up Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M5.31 11.21c-.19-.2-.29-.45-.29-.71H5c0-.25.09-.5.29-.7l6-6.01c.19-.18.44-.29.71-.29.27 0 .52.1.71.29l6 6.01a.996.996 0 1 1-1.41 1.41L13 6.91V19.5c0 .55-.45 1-1 1s-1-.45-1-1V6.92l-4.28 4.29a.996.996 0 0 1-1.41 0Z" class="icon-base"/></svg></button> </div> <div id="methodology" class="SectionWithTocItem " data-beam-element-viewed id="methodology" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="Methodology" data-position="8" data-text="" > <div class="wysiwyg display-block w-full"> <h2>How we made our picks for best home improvement loans</h2></div> <div class="MethodologyDetails w-full display-flex flex-direction-column rounded-lg box-shadow-2"> <div class="MethodologyDetails-heading display-flex flex-direction-column gap-y-2 sm:flex-direction-row sm:gap-x-2 justify-content-space-between mx-6 my-4"> <div class="display-flex flex-direction-column sm:flex-direction-row"> <span class="h-7 sm:h-6" aria-hidden="true"> <svg width="24" height="24" class="mr-0 mb-1 sm:mr-4 sm:mb-0 display-inline" width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Bankrate logo</title> <rect width="32" height="32" rx="4" fill="#0157FF" /> <path fill="#ffffff" fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" /> </svg></span> <h3 class="type-body-one text-crop-none p-0 m-0"> Bankrate's trusted home improvement loans industry expertise </h3> </div> <div class="SimpleLink"> <a class="Link Link--standalone text-base" href="https://www.bankrate.com/loans/personal-loans/lender-review-methodology/" > Read our full methodology</a> </div></div> <hr class="border-gray-light border-solid border-b-2 m-0 p-0" aria-hidden="true"> <div class="display-flex flex-direction-column gap-y-6 mx-6 mt-4 mb-6"> <p class="m-0 p-0 text-slate"> </p> <div class="MethodologyDetails-categories display-flex p-4 sm:py-4 sm:px-16 justify-content-space-between align-items-flex-start align-content-flex-start gap-x-2 gap-y-8 align-self-stretch flex-wrap sm:flex-nowrap"> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">48</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">years in business</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">30</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">lenders reviewed</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">20</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">loan features weighed</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">665</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">data points collected</p> </div> </div> </div> </div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <p>To select the best home improvement loans, Bankrate’s team of experts evaluated over 30 lenders. Each lender was ranked using a meticulous 20-point system, focusing on <a class="Link" href="https://www.bankrate.com/loans/personal-loans/lender-review-methodology/">four main categories</a>:</p></div> <ul class="Accordion w-full" data-cy="accordion-168d228d-76a1-4bc0-8cbd-3ce6519e7a46"> <li x-id="['panel-affordability', 'heading-affordability']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-affordability')" :aria-controls="$id('panel-affordability')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" affordability " data-position="1" data-text=" Affordability " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Affordability</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-affordability')" :labelledBy="$id('heading-affordability')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The interest rates, penalties and fees are measured in this section of the score. Lower rates and fees and fewer potential penalties result in a higher score. We also give bonus points to lenders offering rate discounts, grace periods and that allow borrowers to change their due date. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-affordability')" :labelledBy="$id('heading-affordability')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The interest rates, penalties and fees are measured in this section of the score. Lower rates and fees and fewer potential penalties result in a higher score. We also give bonus points to lenders offering rate discounts, grace periods and that allow borrowers to change their due date. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-availability', 'heading-availability']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-availability')" :aria-controls="$id('panel-availability')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" availability " data-position="2" data-text=" Availability " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Availability</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-availability')" :labelledBy="$id('heading-availability')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Minimum loan amounts, number of repayment terms, eligibility requirements, ability to apply using a co-borrower or co-signer and loan turnaround time are considered in this category.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-availability')" :labelledBy="$id('heading-availability')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Minimum loan amounts, number of repayment terms, eligibility requirements, ability to apply using a co-borrower or co-signer and loan turnaround time are considered in this category.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-customer-experience', 'heading-customer-experience']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-customer-experience')" :aria-controls="$id('panel-customer-experience')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" customer experience " data-position="3" data-text=" Customer experience " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Customer experience</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-customer-experience')" :labelledBy="$id('heading-customer-experience')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>This category covers customer service hours, if online applications are available, online account access and mobile apps.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-customer-experience')" :labelledBy="$id('heading-customer-experience')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>This category covers customer service hours, if online applications are available, online account access and mobile apps.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-transparency', 'heading-transparency']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-transparency')" :aria-controls="$id('panel-transparency')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" transparency " data-position="4" data-text=" Transparency " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Transparency</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-transparency')" :labelledBy="$id('heading-transparency')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>For this factor, we consider how well information is presented to the borrower on the lender’s website. This includes listing credit requirements, rates and fees, in addition to offering prequalification.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-transparency')" :labelledBy="$id('heading-transparency')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>For this factor, we consider how well information is presented to the borrower on the lender’s website. 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res([]); } else { // loop through the keys of the result object for (const key in result) { result[key].ruleName = key; result[key].ruleSetId = ruleSetCustomId; } res(Object.values(result)); } } ); }); } const assets = await getMonarchRuleSet(ruleSetId); /** * Helper that transforms Monarch assets into a dictionary * to be used by the Wealth Rate Table application. */ const formatDictionary = (assets) => { return assets.reduce((acc, curr) => { // handles wealth assets if (curr.metadata) { const parsedMetadata = JSON.parse(curr.metadata); acc[parsedMetadata._featureName] = parsedMetadata; } // handles JO assets if (curr.assetPlacements?.length) { curr.assetPlacements.forEach((assetPlacement) => { if (assetPlacement.asset.metadata) { const parsedMetadata = JSON.parse(assetPlacement.asset .metadata); acc[parsedMetadata._featureName] = parsedMetadata; } }); } return acc; }, {}); } const formatWealthAssets = (assets) => { // Containing object to deliver processed assets to rate table let assetDictionary = {}; // Handles assets if they are deployed via multiple rules const multipleRules = Object.values(assets); // If multiple rules are detected if (multipleRules.length) { const formattedAssets = formatDictionary(multipleRules); assetDictionary = { ...assetDictionary, ...formattedAssets }; } // If single rule with one or many assets if (assets.length) { const formattedAssets = formatDictionary(assets); assetDictionary = { ...assetDictionary, ...formattedAssets }; } return assetDictionary; }; if (assets.length === 0) { return; } // Checks if we're on a page that contains the Wealth Rate Table if (typeof window.setMonarchAssets === 'function') { // Invokes method that will trigger a Wealth Rate Table state update window.setMonarchAssets(formatWealthAssets(assets)); } if (!window.jo) { // Initialize jo object on the window window.jo = {}; // Store Monarch assets within jo object window.jo.monarchAssets = []; // Create a method to push Monarch assets to monarchAssets array window.jo.storeMonarchMetadata = function storeMonarchMetadata(asset) { window.jo.monarchAssets.push(asset); } /** * Retrieve the JSON metadata for a Monarch-served preamp asset on the current page via ID. * * @NOTE "ID" refers to a nonstandard field that may be included in a JSON asset, NOT a preamp asset ID. */ window.jo.getMonarchMetadataById = function getMonarchMetadataById(id) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } try { const metadataJSON = JSON.parse(asset.metadata); const isAssetMatch = metadataJSON?.__id === id || metadataJSON?.__featureName === id; return isAssetMatch; } catch (error) { console.log(error); } }); if (!matchedAsset) { return {}; }; let metadata; try { metadata = JSON.parse(matchedAsset?.metadata); } catch { metadata = {}; } return metadata; } // Function to retrieve the JSON metadata for a Monarch-served preamp asset by feature name window.jo.getMetadataByFeatureName = function getMetadataByFeatureName(featureName) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } const metadataJSON = JSON.parse(asset.metadata); return metadataJSON._featureName === featureName; }); if (!matchedAsset) { return {}; } let metadata; try { metadata = JSON.parse(matchedAsset.metadata); } catch { metadata = {}; } return metadata; } } assets.flatMap((a, assetIndex, assets) => { const experienceId = a?.experienceId; const assetPlacements = a?.assetPlacements; const isLast = assetIndex === assets.length - 1; const brDataStoredEvent = new CustomEvent('jo:br-data:stored'); const ruleLoadedEvent = new CustomEvent('monarch:rule:loaded', { detail: { ruleSetId: a.ruleSetId, ruleName: a.ruleName, data: a, }, }); window.dispatchEvent(ruleLoadedEvent); if (containerClass) { if (experienceId) { const targetEl = document.getElementsByClassName(containerClass)[0]; const elements = assetPlacements.flatMap((a) => { window.jo.storeMonarchMetadata(a.asset); return renderPreampResponse(a.asset); }); targetEl.append(...elements); } if (assets && !experienceId) { const targetEl = document.getElementsByClassName(containerClass)[0]; window.jo.storeMonarchMetadata(a); const elements = renderPreampResponse(a); elements.forEach(element => targetEl.append(element)); } } function renderPreampResponse(assetType) { const container = document.createElement('div'); const script = document.createElement('script'); script.innerHTML = assetType.js; container.innerHTML = ` <div> <style>${assetType.css ? assetType.css : ''}</style> <div>${assetType.html ? assetType.html : ''}</div> </div> `; return [container, script]; } if (isLast) { window.dispatchEvent(brDataStoredEvent); } }); }); } </script> <link rel="preload" as="style" href="https://www.bankrate.com/v5.1514.2/next/build/assets/alpine-tooltip-C-gN9zoC.css" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1514.2/next/build/assets/alpine-tooltip-BqQqc9mh.js" /><link rel="stylesheet" href="https://www.bankrate.com/v5.1514.2/next/build/assets/alpine-tooltip-C-gN9zoC.css" /><script type="module" src="https://www.bankrate.com/v5.1514.2/next/build/assets/alpine-tooltip-BqQqc9mh.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1514.2/next/build/assets/alpine-collapse-Cwlsivl9.js" /><script type="module" src="https://www.bankrate.com/v5.1514.2/next/build/assets/alpine-collapse-Cwlsivl9.js"></script><script type="module"> const data = {"lender_name":"LightStream","Credit card refinancing":8,"Debt consolidation":30,"Emergency":0,"Home improvement":26,"Major purchase":20,"Other":16}; Highcharts.chart('ProprietaryChart-461b1a4c-cf4d-4b15-a3bf-e2856771b622', { chart: { type: 'pie', }, credits: { enabled: false }, title: { text: '', }, plotOptions: { pie: { shadow: false, size: '280px', borderWidth: 0, dataLabels: { enabled: true, // Enable data labels formatter: function() { if (this.y == 0) { return ''; } return this.y + '%'; }, distance: -50, style: { fontSize: '1.2em', textOutline: 'none', fontWeight: 'bold', fontColor: 'black', }, } }, series: { enableMouseTracking: true, }, }, tooltip: { enabled: true, // Enable tooltip on hover formatter: function() { return '<b>' + this.point.name + '</b>: ' + this.y + '%'; }, }, legend: { enabled: true, }, series: [{ data: [ { color: "#FFDD83", y: 8, name: "Credit card refinancing", // Add name for the tooltip }, { color: "#E5665E", y: 30, name: "Debt consolidation", // Add name for the tooltip }, { color: "#00143D", y: 0, name: "Emergency", // Add name for the tooltip }, { color: "#007871", y: 26, name: "Home improvement", // Add name for the tooltip }, { color: "#C79FC5", y: 20, name: "Major purchase", // Add name for the tooltip }, { color: "#0049C0", y: 16, name: "Other", // Add name for the tooltip } ], }], }); </script> <script type="module"> const data = {"lender_name":"Upstart","Credit card refinancing":6,"Debt consolidation":28,"Emergency":24,"Home improvement":8,"Major purchase":13,"Other":21}; Highcharts.chart('ProprietaryChart-e0b9a1d7-43f9-42e1-b61e-d75cc22279ac', { chart: { type: 'pie', }, credits: { enabled: false }, title: { text: '', }, plotOptions: { pie: { shadow: false, size: '280px', borderWidth: 0, dataLabels: { enabled: true, // Enable data labels formatter: function() { if (this.y == 0) { return ''; } return this.y + '%'; }, distance: -50, style: { fontSize: '1.2em', textOutline: 'none', fontWeight: 'bold', fontColor: 'black', }, } }, series: { enableMouseTracking: true, }, }, tooltip: { enabled: true, // Enable tooltip on hover formatter: function() { return '<b>' + this.point.name + '</b>: ' + this.y + '%'; }, }, legend: { enabled: true, }, series: [{ data: [ { color: "#FFDD83", y: 6, name: "Credit card refinancing", // Add name for the tooltip }, { color: "#E5665E", y: 28, name: "Debt consolidation", // Add name for the tooltip }, { color: "#00143D", y: 24, name: "Emergency", // Add name for the tooltip }, { color: "#007871", y: 8, name: "Home improvement", // Add name for the tooltip }, { color: "#C79FC5", y: 13, name: "Major purchase", // Add name for the tooltip }, { color: "#0049C0", y: 21, name: "Other", // Add name for the tooltip } ], }], }); </script> <script type="module"> const data = {"lender_name":"Achieve","Credit card refinancing":43,"Debt consolidation":57,"Emergency":0,"Home improvement":0,"Major purchase":0,"Other":0}; Highcharts.chart('ProprietaryChart-ff1688a6-13b1-43e1-8e39-6363f1a87e29', { chart: { type: 'pie', }, credits: { enabled: false }, title: { text: '', }, plotOptions: { pie: { shadow: false, size: '280px', borderWidth: 0, dataLabels: { enabled: true, // Enable data labels formatter: function() { if (this.y == 0) { return ''; } return this.y + '%'; }, distance: -50, style: { fontSize: '1.2em', textOutline: 'none', fontWeight: 'bold', fontColor: 'black', }, } }, series: { enableMouseTracking: true, }, }, tooltip: { enabled: true, // Enable tooltip on hover formatter: function() { return '<b>' + this.point.name + '</b>: ' + this.y + '%'; }, }, legend: { enabled: true, }, series: [{ data: [ { color: "#FFDD83", y: 43, name: "Credit card refinancing", // Add name for the tooltip }, { color: "#E5665E", y: 57, name: "Debt consolidation", // Add name for the tooltip }, { color: "#00143D", y: 0, name: "Emergency", // Add name for the tooltip }, { color: "#007871", y: 0, name: "Home improvement", // Add name for the tooltip }, { color: "#C79FC5", y: 0, name: "Major purchase", // Add name for the tooltip }, { color: "#0049C0", y: 0, name: "Other", // Add name for the tooltip } ], }], }); </script> <script type="module"> const data = {"lender_name":"Best Egg","Credit card refinancing":9,"Debt consolidation":45,"Emergency":18,"Home improvement":7,"Major purchase":8,"Other":13}; Highcharts.chart('ProprietaryChart-0b03f2a6-7618-429c-afea-2ab9e16212e0', { chart: { type: 'pie', }, credits: { enabled: false }, title: { text: '', }, plotOptions: { pie: { shadow: false, size: '280px', borderWidth: 0, dataLabels: { enabled: true, // Enable data labels formatter: function() { if (this.y == 0) { return ''; } return this.y + '%'; }, distance: -50, style: { fontSize: '1.2em', textOutline: 'none', fontWeight: 'bold', fontColor: 'black', }, } }, series: { enableMouseTracking: true, }, }, tooltip: { enabled: true, // Enable tooltip on hover formatter: function() { return '<b>' + this.point.name + '</b>: ' + this.y + '%'; }, }, legend: { enabled: true, }, series: [{ data: [ { color: "#FFDD83", y: 9, name: "Credit card refinancing", // Add name for the tooltip }, { color: "#E5665E", y: 45, name: "Debt consolidation", // Add name for the tooltip }, { color: "#00143D", y: 18, name: "Emergency", // Add name for the tooltip }, { color: "#007871", y: 7, name: "Home improvement", // Add name for the tooltip }, { color: "#C79FC5", y: 8, name: "Major purchase", // Add name for the tooltip }, { color: "#0049C0", y: 13, name: "Other", // Add name for the tooltip } ], }], }); </script> <script type="module"> const data = {"lender_name":"LendingClub","Credit card refinancing":27,"Debt consolidation":73,"Emergency":0,"Home improvement":0,"Major purchase":0,"Other":0}; Highcharts.chart('ProprietaryChart-4e645278-8ba8-41ff-92c5-bdd1e3e656fb', { chart: { type: 'pie', }, credits: { enabled: false }, title: { text: '', }, plotOptions: { pie: { shadow: false, size: '280px', borderWidth: 0, dataLabels: { enabled: true, // Enable data labels formatter: function() { if (this.y == 0) { return ''; } return this.y + '%'; }, distance: -50, style: { fontSize: '1.2em', textOutline: 'none', fontWeight: 'bold', fontColor: 'black', }, } }, series: { enableMouseTracking: true, }, }, tooltip: { enabled: true, // Enable tooltip on hover formatter: function() { return '<b>' + this.point.name + '</b>: ' + this.y + '%'; }, }, legend: { enabled: true, }, series: [{ data: [ { color: "#FFDD83", y: 27, name: "Credit card refinancing", // Add name for the tooltip }, { color: "#E5665E", y: 73, name: "Debt consolidation", // Add name for the tooltip }, { color: "#00143D", y: 0, name: "Emergency", // Add name for the tooltip }, { color: "#007871", y: 0, name: "Home improvement", // Add name for the tooltip }, { color: "#C79FC5", y: 0, name: "Major purchase", // Add name for the tooltip }, { color: "#0049C0", y: 0, name: "Other", // Add name for the tooltip } ], }], }); 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