CINXE.COM

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APR is different from your interest rate; it equals your interest rate plus any loan fees."}},{"@type":"Question","name":"What's the difference between a secured loan and an unsecured loan?","acceptedAnswer":{"@type":"Answer","text":"Secured loans are backed by a piece of the borrower’s property as collateral, typically a vehicle or house. Because the borrower stands to lose personal property if they default, secured loans tend to have lower interest rates.\n\nUnsecured loans are not backed by collateral, but instead by the borrower’s creditworthiness. Because the lender takes on more of a risk with an unsecured loan, interest rates tend to be higher. Lenders also require that borrowers seeking unsecured loans have higher-than-average credit scores. 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Most lenders have minimum loan amounts from $1,000 to $5,000, and maximums can stretch from $50,000 to $100,000."}},{"@type":"Question","name":"How do you calculate your debt-to-income ratio?","acceptedAnswer":{"@type":"Answer","text":"Lenders often use your debt-to-income ratio — your total debt as compared to your annual income — as an indicator of financial health; most recommend a DTI of under 50 percent for approval. Before applying, calculate your DTI through a calculator or manually add up your debts and divide the total amount about your monthly gross income. 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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($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/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="1" 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="/small-business/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="2" 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="3" 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/2025/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 2025" data-outcome="send to link" > Best banks of 2025</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="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Refinance rates" data-outcome="send to Refinance rates" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" 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="Cash-out refinance rates" data-outcome="send to Cash-out refinance rates" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-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="30-year refinance rates" data-outcome="send to 30-year refinance rates" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-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="4" data-text="15-year refinance rates" data-outcome="send to 15-year refinance rates" > 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, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Guides & resources" data-position="4"> Guides & resources<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($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 2025" data-outcome="send to Best cards of 2025" > Best cards of 2025</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/points-and-miles-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="4" data-text="Points and miles calculator" data-outcome="send to link" > Points and miles 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="5" 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 - 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'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($el.id)" data-subcategory-name="HELOC" data-position="1"> HELOC<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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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 - 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x-data="interactiveTooltip('BkReSd')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-BkReSd" aria-controls="tooltip-content-BkReSd" x-bind="trigger"> Denny Ceizyk</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-BkReSd" aria-hidden="true" aria-labelledby="tooltip-trigger-BkReSd" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <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 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"> 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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 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" 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var(--color-slate);">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('o3kERk')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-o3kERk" aria-controls="tooltip-content-o3kERk" x-bind="trigger"> Rhys Subitch</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-o3kERk" aria-hidden="true" aria-labelledby="tooltip-trigger-o3kERk" 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 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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 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 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"> 9 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" 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0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="mailto:rsubitch@redventures.com" target="_blank" rel="nofollow" aria-label="Get in contact with Rhys Subitch via Email" data-beam-element-clicked id="author_bio_rhys_subitch_email_icon" data-type="icon" data-location="author_bio_rhys_subitch" data-position="top" data-text="email" data-outcome="open_email" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Email Envelope Icon</title><path d="M7.463 22.403h12.6c1.244 0 2.097-.244 2.602-.748.574-.566.835-1.584.835-3.203V8.96C23.5 5.966 22.656 5 20.037 5H7.463C4.844 5 4 5.966 4 8.96v9.492c0 1.619.27 2.637.835 3.203.505.504 1.358.748 2.602.748h.026Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" 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text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/rhys-subitch/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">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 class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('DH4kwf')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-DH4kwf" aria-controls="tooltip-content-DH4kwf" x-bind="trigger"> Mark Kantrowitz</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-DH4kwf" aria-hidden="true" aria-labelledby="tooltip-trigger-DH4kwf" 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 href="https://www.bankrate.com/authors/mark-kantrowitz/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">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 class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('WA20ls')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-WA20ls" aria-controls="tooltip-content-WA20ls" x-bind="trigger"> Rhys Subitch</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-WA20ls" aria-hidden="true" aria-labelledby="tooltip-trigger-WA20ls" 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 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 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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"> 9 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" 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</div> </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 href="https://www.bankrate.com/authors/rhys-subitch/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">Rhys Subitch</a> </div> </span> </div> <div class="Byline-user Byline-accordion-on-mobile"> <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 class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('Pk8A2W')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-Pk8A2W" aria-controls="tooltip-content-Pk8A2W" x-bind="trigger"> Mark Kantrowitz</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-Pk8A2W" aria-hidden="true" aria-labelledby="tooltip-trigger-Pk8A2W" role="dialog" 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sm: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><strong class="type-heading-four m-0" id="expert-verified-8aeda502-b7a6-4e60-9c3f-b2aa9a4e8b94-modal-title"> How is this page expert verified? </strong> </div> <div class="text-slate mt-6"> <p>At Bankrate, we take the accuracy of our content seriously.</p> <p>“Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. 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-8aeda502-b7a6-4e60-9c3f-b2aa9a4e8b94-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> <div class="type-body-three text-white"> <div class="wysiwyg display-inline has-links"> <div>Updated Feb 21, 2025</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"> </span> <span id="intro-text-shortened"> Most current personal loan rates range from 8 to 36 percent, with the Bankrate national average rate at 12.37 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 has-links"> <p>The national average is based on the <a class="Link" href="https://www.bankrate.com/understanding-bankrates-rate-averages/" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.bankrate.com/understanding-bankrates-rate-averages/" data-sk="tooltip_parent">Bankrate Monitor Survey</a> and is updated weekly. Bankrate's team of financial experts evaluated and vetted the top personal loan lenders to make sure they offer the best terms and most competitive rates in the market. <a class="Link" href="https://www.bankrate.com/loans/personal-loans/rates/#methodology" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.bankrate.com/loans/personal-loans/rates/#methodology" data-sk="tooltip_parent">Our methodology</a> considers four main categories: affordability, availability, customer experience and transparency. Read more about how we made our final picks and how to make the most of a personal loan.</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 align-items-start md:display-flex"> <div id="FormPqBannerFormControl" class="rate-table-entry-point-banner-form-input-wrapper FormControl-wrap mr-3 md:mb-0"> <div class="FormControl FormControlLoanAmount"> <label class="FormLabel FormLabel--rightAddon" for="loanAmount">Loan amount</label> <input class="FormInput text-black" type="text" name="loanAmount" id="loanAmount" placeholder="Ex. $10,000"> </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 personalized rates</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 2024 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 has-links"> <p><strong>Table of contents</strong></p> <p> </p> <ul> <li><a class="Link" href="#what-is">What is a personal loan?</a></li> <li><a class="Link" href="#how-to-compare">How to compare personal loans</a></li> <li><a class="Link" href="#how-to">How to get a personal loan</a></li> <li><a class="Link" href="#calculate">Calculating your loan payment </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 has-links"> <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. BBB assigns ratings from A+ (highest) to F (lowest).</p></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="definition-of-terms-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("definition-of-terms-modal-drawer"); const container = document.getElementById("modalStack"); container.append(mymodal); window.initModal('definition-of-terms-modal-drawer', false); }); </script> <a 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stop-color="#E8C15C"></stop><stop offset="1" stop-color="#B59133"></stop></linearGradient><linearGradient id="paint3_linear_3145_6713" x1="55.068" y1="45.5266" x2="45.0517" y2="18.5302" gradientUnits="userSpaceOnUse"><stop offset="0.143032" stop-color="#CEA433"></stop><stop offset="0.405497" stop-color="#FFDD83"></stop><stop offset="0.769579" stop-color="#E8C15C"></stop><stop offset="1" stop-color="#B59133"></stop></linearGradient></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">Upgrade: Bankrate 2025 award for bad credit and first-in-class customer experience</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/Upgrade.png?optimize=medium&format=pjpg&auto=webp" alt="Upgrade" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></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><div class="text-base font-bold mr-2 text-gray-900">4.6</div></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_:R1kcm:" 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 Score = 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_:R1kcm:" 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- 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"><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-3 pt-3 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_:R2kcm:" 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 may qualify for an Upgrade loan with scores as low as 580, which helped it earn our 2025 award for best loan for bad credit. Upgrade also earned our first-in-class award for offering multiple ways to track customer loans, perks like free credit monitoring and seven-day-a-week customer service access.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2kcm:"><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%-9.99% origination fee</li><li>$10 returned check fee </li><li>$10 late fee</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Same day to four business days 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>Option to add a co-borrower</li><li>Lower credit score requirement</li><li>Direct debt consolidation disbursement</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 minimum origination fee</li><li>Low maximum loan amount</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/personal-loans/reviews/upgrade/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><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></span></a></div></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_:R2kcm:"><p>Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-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/.</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">Avant: Best payday loan alternative</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/avant.png?optimize=medium&format=pjpg&auto=webp" alt="Avant" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></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><div class="text-base font-bold mr-2 text-gray-900">4.5</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/avant/" 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_:R1kkm:" 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 Score = 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_:R1kkm:" 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">9.95- 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- $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">550</span></div></div></div></div></div><div class="text-center"><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-3 pt-3 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_:R2kkm:" 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 may qualify for a loan with Avant with a credit score as low as 550, and have a term as short as one year. That makes it a good option to avoid the pressure of payday loans that typically have to be paid within two weeks.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2kkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Have an Avant account</li><li>Submit income pay stubs</li><li>Pass identity verification</li><li>Provide employment information</li><li>Have bank account on file</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Up to 9.99% administration fee</li><li>$25 late fee</li><li>$15 dishonored payment fee </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>Short loan terms</li><li>Low minimum credit score</li><li>Household members' income eligible</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>High minimum APR</li><li>No co-signers or co-borrowers</li><li>Administrative fee</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/personal-loans/reviews/avant/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><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></span></a></div></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_:R2kkm:"><p>*Loan amounts range from $2,000 to $35,000. APR ranges from 9.95% to 35.99%. Loan lengths range from 24 to 60 months. Administration fee up to 9.99%. If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state. Administration fee is deducted from the loan proceeds and paid to the Lender. Any administration fee of 5% or less of the initial loan amount is not refundable. Administration fee amount in excess of 5% of the initial loan amount is refundable on a prorated basis over the remaining term of the loan when and if the loan is paid in full prior to its original maturity date. A partial prepayment does not trigger a refund of any administration fee amount. Borrower recognizes that the Administration fee is deemed part of the loan principal and is subject to the accrual of interest.</p><p>**Personal loan funds are generally deposited via ACH for delivery next business day if approved by 4:30 pm CT Monday-Friday.</p><p>Example: A $5,700 loan with an administration fee of 9.99% and an amount financed of $5,130.57, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $217.66.</p><p>New Mexico consumer <a rel="noopener noreferrer" href="https://assets.ctfassets.net/vrxttq978is8/1eS8eJhH54ycK7fhPa7hUk/bd189960ce122598d8c7551d2fb96fad/NM_Consumer_Information_Brochure_and_Loan_Rate_and_Fee_Disclosure.pdf" target="_blank">brochure</a> for common terms and definitions and regulations around rates and fees.</p><p>Avant branded credit products are issued 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 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stop-color="#E8C15C"></stop><stop offset="1" stop-color="#B59133"></stop></linearGradient></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">SoFi: Bankrate 2025 Award Winner For Best Online Lender</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/sofi.png?optimize=medium&format=pjpg&auto=webp" alt="SoFi" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></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 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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><div class="text-base font-bold mr-2 text-gray-900">4.7</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/sofi/" 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_:R1ksm:" 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 Score = 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_:R1ksm:" 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- 29.49<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left">with all discounts</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">$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">Not disclosed</span></div></div></div></div></div><div class="text-center"><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-3 pt-3 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_:R2ksm:" 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>SoFi offers everything from high loan amounts to member benefits like referral bonuses and rate discounts. It offers an excellent range of terms and even allows joint applications to help you qualify. Its highly rated mobile app and seven-day-a-week customer service helped it earn Bankrate’s award for best online personal loan lender. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2ksm:"><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 a resident of one of the serviced states</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Optional origination fee of up to 7%</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 approved by 7:00 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>Optional fees</li><li>Cosigners allowed</li><li>Mobile app</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>Chat support only available for account holders</li><li>High minimum APR</li><li>High minimum loan amount</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/personal-loans/reviews/sofi/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><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></span></a></div></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_:R2ksm:"><p>Fixed rates from 8.99% APR to 29.99%APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 02/06/2024and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.</p><p>Loan amounts range from $5,000–$100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.</p><p>Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.</p><p>Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.</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">Happy Money: Best for credit card debt consolidation</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/Happy Money.png?optimize=medium&format=pjpg&auto=webp" alt="Happy Money" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.2 star rating"><div class="RatingStars-iconMask" style="width:84.00000000000001%"><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><div class="text-base font-bold mr-2 text-gray-900">4.2</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/payoff/" 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_:R1l4m:" 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 Score = 4.2/5</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_:R1l4m:" 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">8.95- 17.48<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- $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">640</span></div></div></div></div></div><div class="text-center"><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-3 pt-3 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_:R2l4m:" 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>Happy Money specializes in debt consolidation with the Payoff Loan. This product offers a maximum rate that is far less than the 36 percent cap many other debt consolidation companies offer. You also won’t pay late fees or prepayment penalties with a Happy Money loan.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2l4m:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>No delinquencies on current debts</li><li>Not be an Iowa, Massachusetts or Nevada resident</li><li>Have at least three years of established credit</li></ul><p><br></p></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>1.5%-5.5% origination fee</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Funds are sent within 3 to 6 business days 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 penalties </li><li>Loan management tools on member portal and app</li><li>Low minimum credit score</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>Funding may take longer than other lenders</li><li>Origination fee</li><li>Can only be used for credit card debt consolidation</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_:R2l4m:"><p><span style="color: rgb(0, 0, 0); background-color: transparent;">This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements. Only loans applied for and issued on or after January 23, 2023, are covered under the TruStage™ Payment Guard Insurance Policy. Please refer to the certificate of insurance, provided to you with your loan origination documents, for terms and conditions of the coverage. Some exclusions apply. Claims must be submitted for review and approval to CUMIS Specialty Insurance Company, Inc. TruStage™ Payment Guard Insurance is underwritten by CUMIS Specialty Insurance Company, Inc and not by Happy Money. CUMIS Specialty Insurance Company, our excess and surplus lines carrier, underwrites coverages that are not available in the admitted market. Product and features may vary and not be available in all states. Certain eligibility requirements, conditions, and exclusions may apply. Please refer to the Group Policy for a full explanation of the terms. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705.</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 items-center relative w-full bg-blue-900 awards-badge-height pl-6"><div class="absolute" style="top:0"><svg width="56" height="60" viewBox="0 0 56 60" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M1 35.033L1 35.0311L1 1.47855C1 1.2839 1.19376 1 1.59431 1L54.4057 1C54.8062 1 55 1.2839 55 1.47855L55 35.1237C54.9476 48.7528 43.0048 59 28 59C12.9948 59 1.05191 48.7523 1.00018 35.1226C1.00017 35.1223 1.00017 35.122 1.00017 35.1217L1 35.033Z" fill="url(#paint0_linear_3145_6713)" stroke="url(#paint1_linear_3145_6713)" stroke-width="2"></path><path d="M21.9208 40.4258C21.9404 40.4272 20.9557 41.6645 21.4978 43.0982C21.7947 43.8627 22.5112 44.4909 23.1268 44.87C22.1309 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y2="18.5302" gradientUnits="userSpaceOnUse"><stop offset="0.143032" stop-color="#CEA433"></stop><stop offset="0.405497" stop-color="#FFDD83"></stop><stop offset="0.769579" stop-color="#E8C15C"></stop><stop offset="1" stop-color="#B59133"></stop></linearGradient></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">LendingClub: Bankrate 2025 Award Winner For Best In An Emergency</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/LendingClub.png?optimize=medium&format=pjpg&auto=webp" alt="LendingClub" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></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 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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><div class="text-base font-bold mr-2 text-gray-900">4.7</div></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_:R1lcm:" 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 Score = 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_:R1lcm:" 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">8.91- 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"><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-3 pt-3 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_:R2lcm:" 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 offers loans as small as $1,000 with funding available the same day you apply if you qualify. That makes it a good option if you need money for an urgent car repair, emergency room visit or other unexpected life expenses you don't have the cash to pay for.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2lcm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li><span style="color: rgb(81, 82, 96);">A verifiable bank account</span></li><li><span style="color: rgb(81, 82, 96);">Be at least 18 years old </span></li><li><span style="color: rgb(81, 82, 96);">Be a U.S. citizen or current resident</span></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><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">Up to 4 days, or 2 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>Joint loans offered</li><li>Rate discounts</li><li>Convenient mobile app</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 payment date flexibility</li><li>Origination fee</li><li>High maximum APR</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/personal-loans/reviews/lending-club/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><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></span></a></div></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_:R2lcm:"><p>Between July 1, 2024 to September 30, 2024, Personal Loans issued by LendingClub Bank were funded within 22 hours after loan approval, on average. 56% 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 $19,008 for a term of 36 months, with an interest rate of 11.74% and a 6.00% origination fee of $1,140 for an APR of 16.09%. In this example, the borrower will receive $17,868 and will make 36 monthly payments of $629. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 60 months. Some amounts, rates, and term lengths may be unavailable in certain states.</p><p><br></p><p>For Personal Loans, APR ranges from 8.91% 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 Oct 10, 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>“LendingClub” is a trademark of LendingClub Bank.</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">Upstart: Best for little credit history</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/Upstart.png?optimize=medium&format=pjpg&auto=webp" alt="Upstart" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></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><div class="text-base font-bold mr-2 text-gray-900">4.7</div></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_:R1lkm:" 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 Score = 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_:R1lkm:" 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"><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-3 pt-3 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_:R2lkm:" 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 who are building or rebuilding their credit history may benefit from Upstart's unique approval standards that consider factors beyond just their credit scores. The lender is also one of only a few lenders that offers loan amounts as low as $1,000.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2lkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Have a valid email address</li><li>Have a Social Security number</li><li>Have a personal bank account</li><li>Have steady income or job offer starting within 6 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>Up to 12% origination fee</li><li>$15 returned check fee</li><li>5% up to $15 late fee</li><li>$10 one-time paper copies 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 accepted before 5 p.m. ET, Monday to Friday</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 score</li><li>Option to change payment dates</li><li>Low minimum loan amount</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 joint loan options</li><li>Paper copies fee</li><li>High maximum APR</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/personal-loans/reviews/upstart/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><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></span></a></div></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_:R2lkm:"><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">Best Egg: Best for low minimum rates</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/Best Egg.png?optimize=medium&format=pjpg&auto=webp" alt="Best Egg" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></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><div class="text-base font-bold mr-2 text-gray-900">4.6</div></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_:R1lsm:" 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 Score = 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_:R1lsm:" 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"><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-3 pt-3 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_:R2lsm:" 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>Excellent credit borrowers may qualify for rates in the high 6-percent range, which is among the lowest minimum rates offered by Bankrate-reviewed lenders. If you own a home or car, you may be eligible for major APR discounts if you qualify for Best Egg's unique secured loan options.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2lsm:"><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>Legal age in state to accept loan</li><li>Personal checking account with routing number</li><li>Valid email</li><li>Physical address in qualifying state</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 returned payment fee</li><li>$15 late 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 rates</li><li>Unique secured loan choices</li><li>Low minimum credit score</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>Lower maximum loan amount</li><li>Origination fee</li><li>Few repayment options than competitors</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/personal-loans/reviews/best-egg/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><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></span></a></div></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_:R2lsm:"><p>*Trustpilot TrustScore as of June 2024. 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 6.99%–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 6.99% APR has 36 scheduled monthly payments of $152.83. 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: crtresolutions@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 items-center relative w-full bg-blue-900 awards-badge-height pl-6"><div class="absolute" style="top:0"><svg width="56" height="60" viewBox="0 0 56 60" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M1 35.033L1 35.0311L1 1.47855C1 1.2839 1.19376 1 1.59431 1L54.4057 1C54.8062 1 55 1.2839 55 1.47855L55 35.1237C54.9476 48.7528 43.0048 59 28 59C12.9948 59 1.05191 48.7523 1.00018 35.1226C1.00017 35.1223 1.00017 35.122 1.00017 35.1217L1 35.033Z" fill="url(#paint0_linear_3145_6713)" stroke="url(#paint1_linear_3145_6713)" stroke-width="2"></path><path d="M21.9208 40.4258C21.9404 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stop-color="#B59133"></stop></linearGradient><linearGradient id="paint3_linear_3145_6713" x1="55.068" y1="45.5266" x2="45.0517" y2="18.5302" gradientUnits="userSpaceOnUse"><stop offset="0.143032" stop-color="#CEA433"></stop><stop offset="0.405497" stop-color="#FFDD83"></stop><stop offset="0.769579" stop-color="#E8C15C"></stop><stop offset="1" stop-color="#B59133"></stop></linearGradient></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 2025 Award Winner For Best Home Improvement Loan</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/LightStream.png?optimize=medium&format=pjpg&auto=webp" alt="LightStream" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></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 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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><div class="text-base font-bold mr-2 text-gray-900">4.5</div></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_:R1m4m:" 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 Score = 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_:R1m4m:" 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">6.94- 25.29<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<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"><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-3 pt-3 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_:R2m4m:" 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 earned the 2025 Bankrate Award for best home improvement personal loan. Homeowners with superb credit histories taking on major home improvements may get lower rates than current home equity loans. Cash is usually available within days versus the weeks or months it can take to close on a mortgage loan.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2m4m:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Good-to-excellent credit profile</li><li>Several years of mixed credit</li><li>Assets or savings</li><li>Earn a stable, sufficient income</li><li>Few reported delinquencies</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 if 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>No fees</li><li>Same-day funding</li><li>Range of repayment options</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>Excellent credit required</li><li>Long credit history required</li><li>No prequalifying online</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/personal-loans/reviews/lightstream/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><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></span></a></div></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_:R2m4m:"><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">Citi® Personal Loan: Best for no fees</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/Citi.png?optimize=medium&format=pjpg&auto=webp" alt="Citi® Personal Loan" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></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><div class="text-base font-bold mr-2 text-gray-900">4.6</div></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_:R1mcm:" 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 Score = 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_:R1mcm:" 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">Not disclosed</span></div></div></div></div></div><div class="text-center"><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-3 pt-3 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_:R2mcm:" 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 can take out a Citi personal loan without paying a single dollar in fees. The company doesn’t charge origination, late payment or prepayment fees. You may even be eligible for a 0.5 percent APR discount if you set up autopay through your bank account. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2mcm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Social Security number</li></ul><p><br></p></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">Within 24 to 48 hours 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>Quick funding</li><li>Auto pay discount available</li><li>Zero 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>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_:R2mcm:"><p><span style="color: rgb(0, 0, 0); background-color: transparent;">Terms, conditions, and fees for accounts, products, programs and services are subject to change at any time.</span></p><p><span style="color: rgb(0, 0, 0); background-color: transparent;">You must be at least 18 years of age (21 years of age in Puerto Rico). Co-applicants are not permitted. Existing Citi deposit and credit card customers who have been a Citi customer for less than 12 months are not eligible for a Citi® Personal Loan.</span></p><p><span style="color: rgb(0, 0, 0); background-color: transparent;">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.</span></p><p><span style="color: rgb(0, 0, 0); background-color: transparent;">Rates as of 12-01-2024. 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.</span></p><p><span style="color: rgb(0, 0, 0); background-color: transparent;">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.</span></p><p><span style="color: rgb(0, 0, 0); background-color: transparent;">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.</span></p><p><span style="color: rgb(0, 0, 0); background-color: transparent;">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.</span></p><p><span style="color: rgb(0, 0, 0); background-color: transparent;">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.</span></p><p><span style="color: rgb(0, 0, 0); background-color: transparent;">Personal loans are made available by Citibank, N.A., Equal Housing lender</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">LendingPoint: Best for small loans with flexible repayment terms</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/LendingPoint.png?optimize=medium&format=pjpg&auto=webp" alt="Lending Point" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.4 star rating"><div class="RatingStars-iconMask" style="width:88.00000000000001%"><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><div class="text-base font-bold mr-2 text-gray-900">4.4</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/lendingpoint/" 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_:R1mkm:" 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 Score = 4.4/5</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_:R1mkm:" 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- 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">2-6 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- $36.5K<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"><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-3 pt-3 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_:R2mkm:" 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 can borrow as little as $1,000 with terms ranging from 2 to 6 years, which is about a year longer than many other lenders offer. That could result in a more affordable debt consolidation or emergency loan payment. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2mkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Social Security number</li><li>Minimum annual income of $35,000</li><li>Not reside in Nevada or West Virginia</li><li>Verifiable bank account</li><li>At least 18 years old</li><li>A valid government-issued ID</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 10%</li><li>Late 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>Wide range of terms</li><li>Available in most states</li><li>Low minimum borrowing amount </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>High maximum origination fee</li><li>Low max loan amount</li><li>High minimum APR</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/personal-loans/reviews/lendingpoint/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><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></span></a></div></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_:R2mkm:"><p><em>* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 7% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from </em><strong><em>24 to 72</em></strong><em> </em><strong><em>months.</em></strong><em> Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.34% and origination fee of 7% will have a payment of $327.89 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.</em></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 for peer-to-peer lending </h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/Prosper.png?optimize=medium&format=pjpg&auto=webp" alt="Prosper" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></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><div class="text-base font-bold mr-2 text-gray-900">4.5</div></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_:R1msm:" 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 Score = 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_:R1msm:" 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">600</span></div></div></div></div></div><div class="text-center"><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-3 pt-3 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_:R2msm:" 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>Prosper was the first lender to offer peer-to-peer loans, giving you more approval opportunities than a traditional lender. Co-borrowers are permitted and qualified borrowers may be able to get rates below 9 percent. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2msm:"><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><p><br></p></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 9.99%</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>Money management tools on website</li><li>Option to change payment date</li><li>Co-borrowers allowed</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>No same-day funding</li><li>High maximum interest rate</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/personal-loans/reviews/prosper/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><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></span></a></div></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_:R2msm:"><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">Achieve: Best for debt consolidation</h2></div></div><div class="px-4 sm:py-3"><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 mt-4 classy-md:mt-0 mr-3 classy-md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/Achieve Personal Loans.png?optimize=medium&format=pjpg&auto=webp" alt="Achieve" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></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><div class="text-base font-bold mr-2 text-gray-900">4.5</div></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_:R1n4m:" 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 Score = 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_:R1n4m:" 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"><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-3 pt-3 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_:R2n4m:" 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 offers good loan options for consolidating debt, especially if you have poor credit. The company also provides debt management and financial health resources on its website and through its app for additional assistance.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R2n4m:"><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>Valid Social Security number</li><li>Valid proof of identity</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%-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 24-72 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>High minimum loan amount</li><li>Origination fee</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/personal-loans/reviews/achieve/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><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></span></a></div></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_:R2n4m:"><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></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":"best","sponsored":false,"sortBy":"rank","page":"/loans/personal-loans/rates/"},"initialRates":[{"amount":{"min":1000,"max":50000},"apr":{"fixed":{"min":7.99,"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]","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 minimum origination fee","Low maximum loan amount"],"consumerInfo":"\u003cp\u003e\u003cstrong style=\"color: rgb(21, 21, 21);\"\u003eOVERVIEW\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(21, 21, 21);\"\u003eUpgrade offers personal loans up to $50,000 and caters to those with fair credit and above. The lenders touts benefits that are typically reserved for good credit borrowers, like fast approval and direct payments to creditors for consolidation.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"color: rgb(21, 21, 21);\"\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(21, 21, 21);\"\u003ePeople with fair or less-than-ideal credit.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"color: rgb(21, 21, 21);\"\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(21, 21, 21);\"\u003eYou can get your funds within one business day after approval with an upgrade loan.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eBANKRATE INSIGHTS ON UPGRADE BORROWERS\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003e2,264 Upgrade loans have been funded through Bankrate since 2022.\u0026nbsp;\u003c/li\u003e\u003cli\u003eThe average Bankrate user got their Upgrade personal loan funds in 3.5 days.\u0026nbsp;\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e","eligibilityRequirements":["U.S. citizen or permanent resident ","At least 18 years old","Valid email address","Valid bank account "],"feeTypes":["1.85%-9.99% origination fee","$10 returned check fee ","$10 late fee"],"fundingText":["Same day to four business days 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":["Option to add a co-borrower","Lower credit score requirement","Direct debt consolidation disbursement"],"superlative":"Upgrade: Bankrate 2025 award for bad credit and first-in-class customer experience","expertTake":"\u003cp\u003eBorrowers may qualify for an Upgrade loan with scores as low as 580, which helped it earn our 2025 award for best loan for bad credit. 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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":"best","monetized":true,"productType":"rate","rank":1,"term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003ePersonal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-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/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},{"amount":{"min":2000,"max":35000},"apr":{"fixed":{"min":9.95,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.avant.com/landing/bankrate?SubID=[CLICK_ID]","trackingParameter":"SubID","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=55e6755f-61d5-463e-9643-aa262baecb86","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=55e6755f-61d5-463e-9643-aa262baecb86"},"editorial":{"cons":["High minimum APR","No co-signers or co-borrowers","Administrative fee"],"eligibilityRequirements":["Have an Avant account","Submit income pay stubs","Pass identity verification ","Provide employment information","Have bank account on file "],"feeTypes":["Up to 9.99% administration fee","$25 late fee","$15 dishonored payment fee "],"fundingText":["As soon as the next business day**"],"perks":["Payment assistance options","Grace period of 10 days","Flexible qualification "],"pros":["Short loan terms","Low minimum credit score","Household members' income eligible"],"superlative":"Avant: Best payday loan alternative","expertTake":"\u003cp\u003eYou may qualify for a loan with Avant with a credit score as low as 550, and have a term as short as one year. That makes it a good option to avoid the pressure of payday loans that typically have to be paid within two weeks.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eHave an Avant account\u003c/li\u003e\u003cli\u003eSubmit income pay stubs\u003c/li\u003e\u003cli\u003ePass identity verification\u003c/li\u003e\u003cli\u003eProvide employment information\u003c/li\u003e\u003cli\u003eHave bank account on file\u003c/li\u003e\u003c/ul\u003e"},"id":22,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/avant.png","name":"Avant","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Avant offers loans as low as $2,000, which is helpful if you don't need to borrow a lot of money but still need fast access to cash. Terms go as long as five years.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e You can get your money within one business day after you are approved.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Interest rates start at 9.95 percent APR and can go as high as 35.99 percent APR, which is higher than interest rates from other lenders. 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If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state. Administration fee is deducted from the loan proceeds and paid to the Lender. Any administration fee of 5% or less of the initial loan amount is not refundable. Administration fee amount in excess of 5% of the initial loan amount is refundable on a prorated basis over the remaining term of the loan when and if the loan is paid in full prior to its original maturity date. A partial prepayment does not trigger a refund of any administration fee amount. Borrower recognizes that the Administration fee is deemed part of the loan principal and is subject to the accrual of interest.\u003c/p\u003e\u003cp\u003e**Personal loan funds are generally deposited via ACH for delivery next business day if approved by 4:30 pm CT Monday-Friday.\u003c/p\u003e\u003cp\u003eExample: A $5,700 loan with an administration fee of 9.99% and an amount financed of $5,130.57, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $217.66.\u003c/p\u003e\u003cp\u003eNew Mexico consumer \u003ca rel=\"noopener noreferrer\" href=\"https://assets.ctfassets.net/vrxttq978is8/1eS8eJhH54ycK7fhPa7hUk/bd189960ce122598d8c7551d2fb96fad/NM_Consumer_Information_Brochure_and_Loan_Rate_and_Fee_Disclosure.pdf\" target=\"_blank\"\u003ebrochure\u003c/a\u003e for common terms and definitions and regulations around rates and fees.\u003c/p\u003e\u003cp\u003eAvant branded credit products are issued by WebBank.\u003c/p\u003e"},{"amount":{"min":5000,"max":100000},"apr":{"fixed":{"min":8.99,"max":29.49},"subtext":"with all discounts"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/reviews/sofi/?subid1=[CLICK_ID]","trackingParameter":"subid1","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/","url":"https://www.bankrate.com/loans/personal-loans/prequalification/"},"editorial":{"cons":["Chat support only available for account holders","High minimum APR","High minimum loan amount"],"eligibilityRequirements":["Be age of majority ","Be a U.S. citizen or resident","Be an eligible nonresident ","Have sufficient income ","Live in an eligible state"],"feeTypes":["Optional origination fee of up to 7%"],"fundingText":["Same day funding available if approved by 7:00 p.m. ET"],"perks":["Autopay discount ","Unemployment protection ","Unique member benefits "],"pros":["Optional fees","Cosigners allowed","Mobile app"],"superlative":"SoFi: Bankrate 2025 Award Winner For Best Online Lender","expertTake":"\u003cp\u003eSoFi offers everything from high loan amounts to member benefits like referral bonuses and rate discounts. It offers an excellent range of terms and even allows joint applications to help you qualify.\u0026nbsp;Its highly rated mobile app and seven-day-a-week customer service helped it earn Bankrate’s award for best online personal loan lender.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe a resident of one of the serviced states\u003c/li\u003e\u003c/ul\u003e"},"id":35,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/sofi.png","name":"SoFi","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e SoFi, a digital lender, offers products ranging from personal loans to student loan refinancing, private student loans, home loans, investing and various types of insurance. It's working on becoming an all-encompassing place to save, spend and manage your money. Personal loans, which are fee-free, range from $5,000 to $100,000 and must be repaid in two to seven years. Fixed-rate loans range from 5.99 percent APR to 18.85 percent APR.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e SoFi offers career counseling and a referral bonus if a qualifying friend signs up. 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The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.\u003c/p\u003e\u003cp\u003eLoan amounts range from $5,000–$100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.\u003c/p\u003e\u003cp\u003eAutopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.\u003c/p\u003e\u003cp\u003eDirect Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.\u003c/p\u003e"},{"amount":{"min":5000,"max":40000},"apr":{"fixed":{"min":8.95,"max":17.48}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.payoff.com/?utm_source=redventures\u0026utm_medium=p1\u0026=utm_campaign=1801_pac\u0026utm_term=[CLICK_ID]","trackingParameter":"utm_term","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=6c4224f2-fff3-4f64-a34f-02afff6663eb","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=6c4224f2-fff3-4f64-a34f-02afff6663eb"},"editorial":{"cons":["Funding may take longer than other lenders","Origination fee","Can only be used for credit card debt consolidation"],"eligibilityRequirements":["At least 18 years old","Have a valid Social Security number","Have a valid checking account"],"feeTypes":["1.5%-5.5% origination fee"],"fundingText":["Funds are sent within 3 to 6 business days after approval"],"perks":["Free monthly FICO updates ","Lower rates than most credit cards","Long maximum loan term"],"pros":["No prepayment penalties ","Loan management tools on member portal and app","Low minimum credit score"],"superlative":"Happy Money: Best for credit card debt consolidation","expertTake":"\u003cp\u003eHappy Money specializes in debt consolidation with the Payoff Loan. 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If you're struggling to get out of credit card debt and facing mounting interest rates, you can use a Payoff loan to get rid of it and then make fixed monthly payments to your one \u003cspan style=\"color: rgb(38, 38, 38);\"\u003eHappy Money \u003c/span\u003eloan.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e \u003cspan style=\"color: rgb(38, 38, 38);\"\u003eHappy Money \u003c/span\u003egives you access to your free FICO score, updated monthly. There is no penalty for paying your loan off early or making additional payments. There are also no late payment fees or fees if you have a returned check.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e You will need to have a credit score of at least 640 to qualify. There's an origination fee of up to 5 percent.\u003c/p\u003e","score":"4.2","url":"https://www.bankrate.com/loans/personal-loans/reviews/payoff/"},"uuid":"6c4224f2-fff3-4f64-a34f-02afff6663eb","vertical":"personal"},"marketingDetails":["The only personal loan with added peace of mind to cover your monthly loan payment (Loan Payment Insurance) for up to 3 months due to job loss or disability – continuing to reduce your principal balance on every Happy Money loan","Quickly check your rate without affecting your credit score","No prepayment, late, or check-processing fees"],"minimumCreditRequired":{"personal":640},"loanPurpose":"best","monetized":true,"productType":"rate","rank":4,"term":{"min":24,"max":60},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\u003eThis offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements. Only loans applied for and issued on or after January 23, 2023, are covered under the TruStage™ Payment Guard Insurance Policy. Please refer to the certificate of insurance, provided to you with your loan origination documents, for terms and conditions of the coverage. Some exclusions apply. Claims must be submitted for review and approval to CUMIS Specialty Insurance Company, Inc. TruStage™ Payment Guard Insurance is underwritten by CUMIS Specialty Insurance Company, Inc and not by Happy Money. CUMIS Specialty Insurance Company, our excess and surplus lines carrier, underwrites coverages that are not available in the admitted market. Product and features may vary and not be available in all states. Certain eligibility requirements, conditions, and exclusions may apply. Please refer to the Group Policy for a full explanation of the terms. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705.\u003c/span\u003e\u003c/p\u003e"},{"amount":{"min":1000,"max":40000},"apr":{"fixed":{"min":8.91,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/reviews/lending-club/?LEAD_ID=[CLICK_ID]","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":["No payment date flexibility","Origination fee","High maximum APR"],"consumerInfo":"\u003cp\u003e\u003cspan class=\"ql-cursor\"\u003e\u003c/span\u003e\u003c/p\u003e","eligibilityRequirements":["A FICO score of at least 600","A verifiable bank account","Be at least 18 years old ","Be a U.S. citizen or current resident"],"feeTypes":["Origination fee of 3% to 8%","Late payment fee of $15 or 5%, whichever is greater","$15 insufficient funds fee "],"fundingText":["Up to 4 days, or 2 weeks if sent directly to creditors"],"perks":["Option to change payment date ","Direct debt consolidation payment to creditors","Joint applications available"],"pros":["Joint loans offered","Rate discounts","Convenient mobile app"],"superlative":"LendingClub: Bankrate 2025 Award Winner For Best In An Emergency","expertTake":"\u003cp\u003eLendingClub offers loans as small as $1,000 with funding available the same day you apply if you qualify. That makes it a good option if you need money for an urgent car repair, emergency room visit or other unexpected life expenses you don't have the cash to pay for.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003e\u003cspan style=\"color: rgb(81, 82, 96);\"\u003eA verifiable bank account\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003cspan style=\"color: rgb(81, 82, 96);\"\u003eBe at least 18 years old\u0026nbsp;\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003cspan style=\"color: rgb(81, 82, 96);\"\u003eBe a U.S. citizen or current resident\u003c/span\u003e\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":"4.7","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":"best","monetized":true,"productType":"rate","rank":5,"term":{"min":24,"max":60},"termsAndConditions":"\u003cp\u003eBetween July 1, 2024 to September 30, 2024, Personal Loans issued by LendingClub Bank were funded within 22 hours after loan approval, on average. 56% 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 $19,008 for a term of 36 months, with an interest rate of 11.74% and a 6.00% origination fee of $1,140 for an APR of 16.09%. In this example, the borrower will receive $17,868 and will make 36 monthly payments of $629. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 60 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 8.91% 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 Oct 10, 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“LendingClub” is a trademark of LendingClub Bank.\u003c/p\u003e\u003cp\u003e\u003cbr\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":["No joint loan options","Paper copies fee","High maximum APR"],"eligibilityRequirements":["Have steady income or job offer","Have a valid email address","Have a Social Security number","Have a personal bank account"],"feeTypes":["Up to 12% origination fee","$15 returned check fee","5% up to $15 late fee","$10 one-time paper copies fee"],"fundingText":["One business day if accepted before 5 p.m. ET, Monday to Friday"],"perks":["Flexible eligibility criteria","Fast funding","Flexible repayment date "],"pros":["May qualify with no credit score","Option to change payment dates","Low minimum loan amount"],"superlative":"Upstart: Best for little credit history","expertTake":"\u003cp\u003eBorrowers who are building or rebuilding their credit history may benefit from Upstart's unique approval standards that consider factors beyond just their credit scores. 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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":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]","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":["Lower maximum loan amount","Origination fee","Few repayment options than competitors"],"consumerInfo":"\u003cp\u003e\u003cstrong style=\"color: rgb(21, 21, 21);\"\u003eOVERVIEW\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eBest Egg offers some of the lowest starting rates of our featured lenders with lower loan limits than other low-rate competitors. It also offers very unique secured loan options. One is the home fixture loan, which allows you to borrow against features like cabinets and vanities rather than your entire home like you would with a home equity loan.\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"color: rgb(21, 21, 21);\"\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(21, 21, 21);\"\u003eBorrowers with good credit who are looking to consolidate debt.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"color: rgb(21, 21, 21);\"\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(21, 21, 21);\"\u003eBest Egg's interest rates start as low as 7.99 percent APR for those with the best credit. It also offers fast approval and funding, depending on when you submit your application.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eBANKRATE INSIGHTS ON BEST EGG BORROWERS\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eThe average Bankrate user has a Best Egg funded loan amount of $18,718.\u0026nbsp;\u003c/li\u003e\u003cli\u003eBest Egg borrowers on Bankrate use the loan to consolidate their debt more so than any other purpose.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e","eligibilityRequirements":["U.S. citizen or permanent resident ","Legal age in state to accept a loan","Personal checking account with routing number","Valid email ","Physical address in qualifying state"],"feeTypes":["Origination fee of 0.99% to 8.99%","$15 returned payment fee","$15 late payment fee"],"fundingText":["Next business day after approval"],"perks":["Direct payment option for debt consolidation","Next day funding ","Low minimum APR"],"pros":["Low minimum rates","Unique secured loan choices","Low minimum credit score"],"superlative":"Best Egg: Best for low minimum rates","expertTake":"\u003cp\u003eExcellent credit borrowers may qualify for rates in the high 6-percent range, which is among the lowest minimum rates offered by Bankrate-reviewed lenders. If you own a home or car, you may be eligible for major APR discounts if you qualify for Best Egg's unique secured loan options.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eU.S. citizen or permanent resident\u003c/li\u003e\u003cli\u003eLegal age in state to accept loan\u003c/li\u003e\u003cli\u003ePersonal checking account with routing number\u003c/li\u003e\u003cli\u003eValid email\u003c/li\u003e\u003cli\u003ePhysical address in qualifying state\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 6.99% 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":"best","monetized":true,"productType":"rate","rank":7,"term":{"min":36,"max":60},"termsAndConditions":"\u003cp\u003e*Trustpilot TrustScore as of June 2024. 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. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 6.99%–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 6.99% APR has 36 scheduled monthly payments of $152.83. 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: crtresolutions@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":5000,"max":100000},"apr":{"fixed":{"min":6.94,"max":25.29},"subtext":"* with AutoPay"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/prequalification","trackingParameter":"subid","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification","url":"https://www.bankrate.com/loans/personal-loans/prequalification"},"circuit":{"circuitProductId":"20420170786","transistorLinkId":"26727401"},"editorial":{"cons":["Excellent credit required","Long credit history required","No prequalifying online"],"eligibilityRequirements":["Good-to-excellent credit profile","Several years of mixed credit","Assets or savings","Stable, sufficient income","Few reported delinquencies"],"feeTypes":["None"],"fundingText":["Same day if approved by 2:30 p.m. ET"],"perks":["Longer repayment terms","Autopay discounts","Fast approval"],"pros":["No fees","Same-day funding","Range of repayment options"],"superlative":"LightStream: Bankrate 2025 Award Winner For Best Home Improvement Loan","expertTake":"\u003cp\u003eLightStream earned the 2025 Bankrate Award for best home improvement personal loan. Homeowners with superb credit histories taking on major home improvements may get lower rates than current home equity loans. Cash is usually available within days versus the weeks or months it can take to close on a mortgage loan.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eGood-to-excellent credit profile\u003c/li\u003e\u003cli\u003eSeveral years of mixed credit\u003c/li\u003e\u003cli\u003eAssets or savings\u003c/li\u003e\u003cli\u003eEarn a stable, sufficient income\u003c/li\u003e\u003cli\u003eFew reported delinquencies\u003c/li\u003e\u003c/ul\u003e"},"id":51,"income":{"min":0},"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":"4.5","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":"best","monetized":true,"productType":"rate","rank":8,"term":{"min":24,"max":84},"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":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":"on 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"],"eligibilityRequirements":["Social Security number","Proof of identity"],"feeTypes":["None"],"fundingText":["Within 24 to 48 hours of approval for direct deposit, within five days for check."],"perks":["Autopay discount","Member discount","Same-day deposit"],"pros":["Quick funding","Auto pay discount available","Zero fees"],"superlative":"Citi® Personal Loan: Best for no fees","expertTake":"\u003cp\u003eBorrowers can take out a Citi personal loan without paying a single dollar in fees. The company doesn’t charge origination, late payment or prepayment fees. You may even be eligible for a 0.5 percent APR discount if you set up autopay through your bank account.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eSocial Security number\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\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"],"loanPurpose":"best","monetized":false,"productType":"rate","rank":10,"term":{"min":12,"max":60},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\u003eTerms, conditions, and fees for accounts, products, programs and services are subject to change at any time.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\u003eYou must be at least 18 years of age (21 years of age in Puerto Rico). Co-applicants are not permitted. Existing Citi deposit and credit card customers who have been a Citi customer for less than 12 months are not eligible for a Citi® Personal Loan.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\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/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\u003eRates as of 12-01-2024. 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/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\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/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\u003eTo check for offers you may qualify for, Citi conducts a soft credit inquiry. 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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/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\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/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\u003ePersonal loans are made available by Citibank, N.A., Equal Housing lender\u003c/span\u003e\u003c/p\u003e"},{"amount":{"min":1000,"max":36500},"apr":{"fixed":{"min":7.99,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.lendingpoint.com/apply/?LeadProviderData=BankRateNPR_PLP_URL\u0026SubSource=BankRateNPR\u0026LeadSource=Referral\u0026PointCode=[CLICK_ID]","subtext":"on Bankrate","trackingParameter":"PointCode","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=81c52091-652b-4803-8c3d-a0669b3629ca","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=81c52091-652b-4803-8c3d-a0669b3629ca"},"editorial":{"cons":["High maximum origination fee","Low max loan amount","High minimum APR"],"eligibilityRequirements":["Valid Social Security number","Government-issued ID","At least 18 years old","Verifiable bank account","Not a resident of Nevada or West Virginia","Minimum annual income of $35,000"],"feeTypes":["Origination fee of up to 10%","Late fee"],"fundingText":["Next business day after approval"],"perks":["Low minimum credit score","Flexible eligibility looks beyond credit score"],"pros":["Wide range of terms","Available in most states","Low minimum borrowing amount "],"superlative":"LendingPoint: Best for small loans with flexible repayment terms","expertTake":"\u003cp\u003eYou can borrow as little as $1,000 with terms ranging from 2 to 6 years, which is about a year longer than many other lenders offer. That could result in a more affordable debt consolidation or emergency loan payment.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eSocial Security number\u003c/li\u003e\u003cli\u003eMinimum annual income of $35,000\u003c/li\u003e\u003cli\u003eNot reside in Nevada or West Virginia\u003c/li\u003e\u003cli\u003eVerifiable bank account\u003c/li\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eA valid government-issued ID\u003c/li\u003e\u003c/ul\u003e"},"id":16,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/LendingPoint.png","name":"Lending Point","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e LendingPoint operates in 48 states and Washington, D.C., and is known to offer unsecured loans for those with credit scores as low as 590. Loan amounts range from $1,000 to $36,500, and APRs start at 9.99 percent and go as high as 35.99 percent. The repayment terms offered by LendingPoint vary from 24 to 60 months.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e LendingPoint provides application decisions in just a few seconds, and once the loan is approved, funds can be available as soon as the next business day.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Depending on your state, you may pay an origination fee of as much as 6 percent with LendingPoint, which can be deducted from your loan proceeds. In addition, you must have a minimum annual income of $35,000 to qualify for a loan.\u003c/p\u003e","score":"4.4","url":"https://www.bankrate.com/loans/personal-loans/reviews/lendingpoint/"},"uuid":"81c52091-652b-4803-8c3d-a0669b3629ca","vertical":"personal"},"minimumCreditRequired":{"personal":600},"loanPurpose":"best","monetized":false,"productType":"rate","rank":11,"term":{"min":24,"max":72},"termsAndConditions":"\u003cp\u003e\u003cem\u003e* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates (\"APR\") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 7% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from \u003c/em\u003e\u003cstrong\u003e\u003cem\u003e24 to 72\u003c/em\u003e\u003c/strong\u003e\u003cem\u003e \u003c/em\u003e\u003cstrong\u003e\u003cem\u003emonths.\u003c/em\u003e\u003c/strong\u003e\u003cem\u003e\u0026nbsp;Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500.\u0026nbsp;For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.34% and origination fee of 7% will have a payment of $327.89 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount.\u0026nbsp;The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.\u003c/em\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":["Origination fee","No same-day funding","High maximum interest rate"],"eligibilityRequirements":["Minimum credit score 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 9.99%","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","Change your due date once a year","Mobile app","AutoPay"],"pros":["Money management tools on website","Option to change payment date","Co-borrowers allowed"],"superlative":"Prosper: Best for peer-to-peer lending ","expertTake":"\u003cp\u003eProsper was the first lender to offer peer-to-peer loans, giving you more approval opportunities than a traditional lender. Co-borrowers are permitted and qualified borrowers may be able to get rates below 9 percent.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eRecorded income greater than $0\u003c/li\u003e\u003cli\u003eResident of qualifying state\u003c/li\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eFirst-time borrowers: Debt-to-income ratio no greater than 50%\u003c/li\u003e\u003cli\u003eCo-borrowers: Minimum credit score of 600\u003c/li\u003e\u003cli\u003eCo-borrowers: No bankruptcy filings in last 12 months\u003c/li\u003e\u003cli\u003eCo-borrowers: At least one open credit account\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},"id":30,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Prosper.png","name":"Prosper","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Prosper was the first company to enter the peer-to-peer lending market and offers unsecured personal loans to borrowers through an entirely virtual process, allowing it to provide low interest rates and quick funding times.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eGood online experience\u003c/li\u003e\u003cli\u003eAccessible to many borrowers\u003c/li\u003e\u003cli\u003eNo repayment penalties\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eOrigination fee\u003c/li\u003e\u003c/ul\u003e","score":"4.5","url":"https://www.bankrate.com/loans/personal-loans/reviews/prosper/"},"uuid":"3e0af3b8-22ee-4acf-b65a-2b07ae9d07c5","vertical":"personal"},"marketingDetails":["More than $16 billion in loans funded","9 out of 10 customers would recommend Prosper to friends or family*","Co-borrower option available. Applying with a co-borrower could help improve your rates","Get your money in as few as 3 business days, your monthly payment stays the same"],"minimumCreditRequired":{"personal":600},"loanPurpose":"best","monetized":false,"productType":"rate","rank":12,"term":{"min":24,"max":60},"termsAndConditions":"\u003cp\u003eFor 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.\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":"on 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 ","High minimum loan amount","Origination fee"],"eligibilityRequirements":["Proof of income and employment","Valid Social Security number","Valid proof of identity","Minimum credit score of 620"],"feeTypes":["Origination fee of 1.99%-6.99%"],"fundingText":["Within 24-72 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 debt consolidation","expertTake":"\u003cp\u003eAchieve offers good loan options for consolidating debt, especially if you have poor credit. The company also provides debt management and financial health resources on its website and through its app for additional assistance.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eProof of income and employment\u003c/li\u003e\u003cli\u003eValid Social Security number\u003c/li\u003e\u003cli\u003eValid proof of identity\u003c/li\u003e\u003c/ul\u003e"},"id":27,"income":{"min":0},"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":"4.5","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":"best","monetized":false,"productType":"rate","rank":13,"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"}]},"__N_SSP":true},"page":"/personal-loans-rate-cards","query":{"annualIncome":"50000","cohesion":"false","creditScore":"700","loanAmount":"10000","loanPurpose":"best","zip":"189554","sortBy":"rank","page":"/loans/personal-loans/rates/","enableAboveFoldv2":"1"},"buildId":"LnP_AfB7KwJmrEAC1sZsy","assetPrefix":"https://www.bankrate.com/static/loans/rate-tables/rate-tables-next-1.278.3","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"> <div class="display-flex align-items-center"> <svg class="mr-4 mb-3" width="32" height="32" viewBox="0 0 32 32" 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})" class="display-none"> <template x-teleport="#modalStack"> <div id="TocModal" class="Modal is-closed Modal--tableOfContents md:display-none" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="TocModal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1"> <div class="TableOfContents-modal"> <div class="px-6 pt-6"> <p class="TableOfContents-heading type-heading-six uppercase display-block"> On This Page</p> <div class="mb-6" style="overflow-y: auto; max-height: 60vh;"> <ul class="TableOfContents-list List"> <li class=""> <a class="TableOfContents-link" href="#compare" data-toc-jumpto="#compare" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Compare Bankrate's top picks for personal loan lenders" data-position="1" data-text="Compare Bankrate's top picks for personal loan lenders" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">Compare Bankrate's top picks for personal loan lenders</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#what-is" data-toc-jumpto="#what-is" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="What is a personal loan?" data-position="2" data-text="What is a personal loan?" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">What is a personal loan?</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#calculate" data-toc-jumpto="#calculate" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Calculating your loan payment" data-position="3" data-text="Calculating your loan payment" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">Calculating your loan payment</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#how-to" data-toc-jumpto="#how-to" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="How to get a personal loan " data-position="4" data-text="How to get a personal loan " data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">How to get a personal loan </span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#faq" data-toc-jumpto="#faq" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="FAQs" data-position="5" data-text="FAQs" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">FAQs</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#methodology" data-toc-jumpto="#methodology" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Methodology" data-position="6" data-text="Methodology" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">Methodology</span> </a> </li> </ul> </div> </div> <div class="border-t px-6 py-2"> <div class="display-flex justify-content-space-between"> <button class="Button Button--primary Button--extraSmall Button--flat" data-toc-prev data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-PREV" data-name="TOC-PREV" data-position="PREV-mobile" data-text="TOC-PREV" data-outcome="INTERNALLINK" > <span>Prev</span> </button> <button class="Button Button--primary Button--extraSmall Button--flat" data-toc-next data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-NEXT" data-name="TOC-NEXT" data-position="NEXT-mobile" data-text="TOC-NEXT" data-outcome="INTERNALLINK" > <span>Next</span> </button> </div> </div> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="TocModal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div></div> <div class="TwoColumnLayout-main SectionWithToc-body gap-y-2 trsy-gap-y-2 " data-e2e-monitor=SectionWithToc-body> <div id="compare" class="SectionWithTocItem " data-beam-element-viewed id="compare" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="Compare Bankrate's top picks for personal loan lenders" data-position="1" data-text="" > <div class="wysiwyg display-inline has-links"> <h2 id="closer-look">A closer look at our top lenders for personal loans</h2> <p>This section puts each top personal loan lender pick under a microscope. Before applying, consider each lender's loan details and what makes them stand out for your particular borrowing needs.</p> <p>We outline what each lender excels at to help you find the best option for your needs. Where available, we also provide proprietary data showing what Bankrate users are doing with their loan funds.</p></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>LightStream: Bankrate 2025 award winner for best home improvement loan</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: 4.5 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 has-links"> <p><strong>Overview: </strong>LightStream is a top choice for those with good credit who need to take out a large personal loan with a longer term to reduce monthly payments. Loans up to $100,00 and longer terms make a LightStream a fit match if you’re looking to consolidate large amounts of high-interest debt or finance a home renovation.</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> 6.94%–25.29%</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– $100k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 695</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-a7f9d369-62ae-47e0-aaee-16e2144950e4"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>LightStream is best for borrowers with excellent credit who need to take out a large personal loan with a longer term for lower monthly payments. Its minimum rates rival home equity loans, and funds can be available as soon as the same day for qualified borrowers.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>LightStream is best for borrowers with excellent credit who need to take out a large personal loan with a longer term for lower monthly payments. Its minimum rates rival home equity loans, and funds can be available as soon as the same day for qualified borrowers.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2012 </li> <li>Available in all 50 states </li> <li>Online application </li> <li>Rate Beat program</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Loan Experience guarantee</li> <li>Mobile app</li> <li>No fees</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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2012 </li> <li>Available in all 50 states </li> <li>Online application </li> <li>Rate Beat program</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Loan Experience guarantee</li> <li>Mobile app</li> <li>No fees</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Upstart: Best loan for little 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: 4.7 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 has-links"> <p><strong>Overview: </strong>Upstart touts a unique approval criteria that includes education and employment and has helped more than 3 million customers. It also offers lower competitive rates that start below 8 percent. </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– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 300</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-7beb8122-7d8a-4350-b708-97a747a0eb36"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Those who have little credit history or a less-than-stellar credit score. Upstart has a very low minimum credit score requirement for those who have a credit score, and evaluates more than just credit scores for approval. Your education and job history could increase your approval odds, which is a feature not offered by most other personal loan lenders.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Those who have little credit history or a less-than-stellar credit score. Upstart has a very low minimum credit score requirement for those who have a credit score, and evaluates more than just credit scores for approval. Your education and job history could increase your approval odds, which is a feature not offered by most other personal loan lenders.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2012</li> <li>Available in all 50 states</li> <li>Online application </li> <li>Automated approval process</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Over 3 million customers </li> <li>Fast funding </li> <li>24/7 application response</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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2012</li> <li>Available in all 50 states</li> <li>Online application </li> <li>Automated approval process</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Over 3 million customers </li> <li>Fast funding </li> <li>24/7 application response</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Achieve: Best for best 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: 4.5 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 has-links"> <p><strong>Overview:</strong> Formerly known as Freedom Plus, Achieve is a digital finance company that has become a trustworthy lender known for its flexible terms, discounts and rates. Unlike some of the lenders we review, it offers joint applications, which could earn you a lower rate or a bigger loan amount.</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– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 620</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-31efad7f-69b2-4294-be7d-90b94a708f7a"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Achieve is also ideal for those who plan on using the funds for debt consolidation. You can get a discount if you use at least 85 percent of the proceeds to pay off existing debt. Individuals with good credit or a well-qualified co-borrower can benefit from a potentially lower APR with an Achieve loan. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Achieve is also ideal for those who plan on using the funds for debt consolidation. You can get a discount if you use at least 85 percent of the proceeds to pay off existing debt. Individuals with good credit or a well-qualified co-borrower can benefit from a potentially lower APR with an Achieve loan. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2002</li> <li>Online applications</li> <li>Available in most states</li> <li>Prequalification offered</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Multiple rate discounts</li> <li>Co-borrowing option</li> <li>Direct payment to creditors</li> <li>7-day-a-week customer service</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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2002</li> <li>Online applications</li> <li>Available in most states</li> <li>Prequalification offered</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Multiple rate discounts</li> <li>Co-borrowing option</li> <li>Direct payment to creditors</li> <li>7-day-a-week customer service</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>LendingClub: Bankrate 2025 award winner for best in an emergency</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: 4.7 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 has-links"> <p><strong>Overview:</strong><strong> </strong>LendingClub started as a peer-to-peer lender in 2007, and has since evolved into a loan marketplace. If you’re struggling to find a lender that will let you borrow at a good rate, LendingClub offers joint applicant availability, which may help you score a lower rate. Plus it offers low amounts if you need a loan for a small expense, like new tires or kitchen appliances.</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> 8.91%–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– $40k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-3ed70b89-92b0-409c-b2b4-a8dc33f0e330"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>LendingClub is a solid personal loan lender best fit for borrowers with fair or good credit — or those with a creditworthy co-borrower — who want to consolidate a small chunk of high-interest debt. The lender offers direct payment to creditors for debt consolidation, simplifying the debt repayment process by limiting your communication with creditors. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>LendingClub is a solid personal loan lender best fit for borrowers with fair or good credit — or those with a creditworthy co-borrower — who want to consolidate a small chunk of high-interest debt. The lender offers direct payment to creditors for debt consolidation, simplifying the debt repayment process by limiting your communication with creditors. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2007</li> <li>Available in all 50 states </li> <li>Online applications</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Low minimum loan amount </li> <li>Referral program</li> <li>15-day grace period </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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2007</li> <li>Available in all 50 states </li> <li>Online applications</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Low minimum loan amount </li> <li>Referral program</li> <li>15-day grace period </li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Happy Money: Best loan for credit card 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/Happy Money.png?auto=webp&fit=&width=200&format=pjpg" alt="Happy Money" 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: 4.2 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: 29%"> <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">4.2</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview: </strong>Happy Money offers one loan — called the Payoff Loan — designed specifically for consolidating credit card debt. According to an internal Happy Money 2022 study, members who paid off at least $5,000 in credit card debt saw an average FICO score increase of 49 points within four months of getting their loan. </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/happy-money/">Read Bankrate's Expert Happy Money 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> 8.95%–17.48%</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– $40k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 640</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-9c1cacce-582e-4daa-82e2-f8223ef10d97"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>People who qualify for a lower interest rate with Happy Money’s Payoff loan and want to pay off existing high-interest rate debt. You’ll have the security of working with credit unions insured by the National Credit Union Association.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>People who qualify for a lower interest rate with Happy Money’s Payoff loan and want to pay off existing high-interest rate debt. You’ll have the security of working with credit unions insured by the National Credit Union Association.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2009</li> <li>Online application</li> <li>Available in 47 states</li> <li>Partners with federally insured credit unions</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Prequalification offered</li> <li>No late fees </li> <li>Free FICO score updates</li> <li>Direct payment to creditors</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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2009</li> <li>Online application</li> <li>Available in 47 states</li> <li>Partners with federally insured credit unions</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Prequalification offered</li> <li>No late fees </li> <li>Free FICO score updates</li> <li>Direct payment to creditors</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>OneMain Financial: Best for same-day bad-credit 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/OneMain Financial.png?auto=webp&fit=&width=200&format=pjpg" alt="OneMain" 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: 4.3 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: 36%"> <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">4.3</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview:</strong> OneMain is one of a few lenders that offers same-day funding — but you may need to provide collateral. While it doesn't disclose a minimum credit score, OneMain does work with those who don't have the best of credit.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/onemain-financial/">Read Bankrate's Expert OneMain Financial 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> 18.00%–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> $1.5k– $20k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> <span>Not specified</span> </div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-8135bc9c-09c3-40b9-b6ee-3e0e43983e6c"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Borrowers with assets who need funds quickly and want to avoid the triple-digit rates offered by payday lenders.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Borrowers with assets who need funds quickly and want to avoid the triple-digit rates offered by payday lenders.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 1912</li> <li>Available in 44 states </li> <li>Online, in-person and phone applications</li> <li>Fast funding </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Prequalification</li> <li>Over 1,300 in-person branches</li> <li>Potential to change payment amount </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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 1912</li> <li>Available in 44 states </li> <li>Online, in-person and phone applications</li> <li>Fast funding </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Prequalification</li> <li>Over 1,300 in-person branches</li> <li>Potential to change payment amount </li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt- trsy-pt-[--pt] w-full" style="content: ''; --pt: 0rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Citi ® Personal Loan: Best 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 has-links"> <p><strong>Overview: </strong>For borrowers with excellent credit who already bank with Citi, getting a Citi personal loan may be the easiest option among our lender picks. The bank helps borrowers save by offering an autopay discount and charging no fees. Citigold or Citi Priority customers can take advantage of additional discounts. </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– $30k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> <span>Not specified</span> </div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-48c2b936-0ec8-43d9-b315-9a6c6efd4d94"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Existing customers may benefit most from a Citi personal loan, especially since they won’t pay any fees. Members also have access to same-day funding, a benefit that isn’t offered to nonmembers.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Existing customers may benefit most from a Citi personal loan, especially since they won’t pay any fees. Members also have access to same-day funding, a benefit that isn’t offered to nonmembers.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Originally established in 1812</li> <li>Available in all 50 states </li> <li>In-person, online or phone application</li> <li>0.50% rate discount for autopay </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>0.25% rate discount for specific Citi customers</li> <li>No mandatory fees</li> <li>Same-day funding for specific Citi customers</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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Originally established in 1812</li> <li>Available in all 50 states </li> <li>In-person, online or phone application</li> <li>0.50% rate discount for autopay </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>0.25% rate discount for specific Citi customers</li> <li>No mandatory fees</li> <li>Same-day funding for specific Citi customers</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Upgrade: Best 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: 4.6 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 has-links"> <p><strong>Overview: </strong>While several lenders we reviewed offer loans to fair credit borrowers, most don't offer terms as long as 84 months. Upgrade caters to borrowers with scores as low as 580, and even offers a low loan amount minimum for smaller borrowing needs.</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> 7.99%–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– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 580</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-81bc08c8-f1c3-4146-86f0-d42a93093cec"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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 has-links"> <p>Individuals with at least fair credit looking for a loan as small as $1,000 may want to consider Upgrade. It has a quick funding turnaround time — within one business day of approval —  which makes it a good option if you need to quickly fund an emergency expense..</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$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 has-links"> <p>Individuals with at least fair credit looking for a loan as small as $1,000 may want to consider Upgrade. It has a quick funding turnaround time — within one business day of approval —  which makes it a good option if you need to quickly fund an emergency expense..</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2016</li> <li>Adjustable payment date</li> <li>Available in all 50 states</li> <li>Multiple rate discounts</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Prequalification offered</li> <li>Direct payment to creditors</li> <li>Customer service 7 days a week</li> <li>Secured and joint loan options</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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2016</li> <li>Adjustable payment date</li> <li>Available in all 50 states</li> <li>Multiple rate discounts</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Prequalification offered</li> <li>Direct payment to creditors</li> <li>Customer service 7 days a week</li> <li>Secured and joint loan options</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Best Egg: Best 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 has-links"> <p><strong>Overview: </strong>Best Egg has funded over 1.1 million loans since 2014, making it a well-established lender in the personal loan space. It's also one of the few lenders that offers secured loans for those who wouldn't otherwise qualify for a personal loan.</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– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-7c136dd6-0f32-45bf-8bb4-475f9a40f281"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Although you can save the most on your rate if you choose a secured loan from Best Egg, it also offers a solid unsecured loan for borrowers with good credit who need a midsize loan to finance their next purchase or consolidate debt. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Although you can save the most on your rate if you choose a secured loan from Best Egg, it also offers a solid unsecured loan for borrowers with good credit who need a midsize loan to finance their next purchase or consolidate debt. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2014 </li> <li>Available in 47 states (not including D.C.)</li> <li>Online application </li> <li>Flexible approval model </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Quick application and approval </li> <li>Secured loan option </li> <li>Financial Health program</li> <li>Direct payment to creditors</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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2014 </li> <li>Available in 47 states (not including D.C.)</li> <li>Online application </li> <li>Flexible approval model </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Quick application and approval </li> <li>Secured loan option </li> <li>Financial Health program</li> <li>Direct payment to creditors</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Prosper: Best for peer-to-peer lending </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: 4.5 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 has-links"> <p><strong>Overview: </strong>Prosper is Bankrates's 2024 award winner for best personal loan for borrowers with fair credit. Its unique history of starting as a peer-to-peer lender puts your application in front of multiple investors to give you more odds for approval. As well as allowing joint applicants, Prosper boasts a quick funding time and a good online experience. Plus, borrowers can change their monthly payment date — a benefit not many lenders offer. </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– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-f0e8f215-14f2-48e9-a3f9-ad1ff6a6741e"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Borrowers who can qualify for the lowest rates offered and want the flexibility of having their application reviewed by several lenders may want to check out Prosper. It's also ideal for those looking to finance a specific expense or purchase with the option to change their payment due date without too much hassle.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Borrowers who can qualify for the lowest rates offered and want the flexibility of having their application reviewed by several lenders may want to check out Prosper. It's also ideal for those looking to finance a specific expense or purchase with the option to change their payment due date without too much hassle.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2005 </li> <li>Available in 48 states </li> <li>Online and phone applications </li> <li>No prepayment penalties </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Financial tools and resources </li> <li>Large portfolio of loan options </li> <li>Prequalification </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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2005 </li> <li>Available in 48 states </li> <li>Online and phone applications </li> <li>No prepayment penalties </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Financial tools and resources </li> <li>Large portfolio of loan options </li> <li>Prequalification </li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Avant: Best for bad 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/avant.png?auto=webp&fit=&width=200&format=pjpg" alt="Avant" 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 has-links"> <p><strong>Overview:</strong> Avant sets its minimum credit score at 550, much lower than the 600 to 640 requirement set by other lenders. Avant's convenient mobile app and easy-to-navigate website also make it easier to stay on top of your payments and manage your loan details than other lenders on the market.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/avant/">Read Bankrate's Expert Avant 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> 9.95%–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– $35k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 550</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-fe55a902-f257-4bb5-bdb7-82793da2b5f9"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Individuals with a credit score of at least 580 can qualify for an Avant personal loan. The two-year minimum repayment term is also shorter than some other bad credit lenders, giving borrowers who want to pay the balance off faster and save on interest.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Individuals with a credit score of at least 580 can qualify for an Avant personal loan. The two-year minimum repayment term is also shorter than some other bad credit lenders, giving borrowers who want to pay the balance off faster and save on interest.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2012 </li> <li>Online application </li> <li>Available in 41 states</li> <li>Convenient mobile app </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Secured loan option </li> <li>No origination fees</li> <li>Quick funding </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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2012 </li> <li>Online application </li> <li>Available in 41 states</li> <li>Convenient mobile app </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Secured loan option </li> <li>No origination fees</li> <li>Quick funding </li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>LendingPoint: Best for small loans with flexible repayment terms</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/LendingPoint.png?auto=webp&fit=&width=200&format=pjpg" alt="Lending Point" 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: 4.4 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: 43%"> <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">4.4</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview:</strong> LendingPoint is based in Atlanta and offers personal loans in 48 states and Washington, D.C. While some lenders with tighter credit requirements require a $5,000 minimum for personal loans, LendingPoint lets bad-credit borrowers take out as little as $1,000.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/lendingpoint/">Read Bankrate's Expert LendingPoint 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%–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– $37k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-9492e617-5042-4c43-b08c-bfc9c6da18a5"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Those with less-than-perfect credit needing a smaller loan to finance an unexpected or emergency cost may benefit most from a LendingPoint loan. But it's also good for those seeking a small, low-interest loan. If you have a strong enough credit profile to access the lowest rates, you may be able to land rate below 8 percent with LendingPoint.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Those with less-than-perfect credit needing a smaller loan to finance an unexpected or emergency cost may benefit most from a LendingPoint loan. But it's also good for those seeking a small, low-interest loan. If you have a strong enough credit profile to access the lowest rates, you may be able to land rate below 8 percent with LendingPoint.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2014</li> <li>Online and phone applications</li> <li>Available in 48 states</li> <li>Prequalify in seconds</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Convenient mobile app </li> <li>Flexible repayment terms</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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2014</li> <li>Online and phone applications</li> <li>Available in 48 states</li> <li>Prequalify in seconds</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Convenient mobile app </li> <li>Flexible repayment terms</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>SoFi: Best overall online 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/sofi.png?auto=webp&fit=&width=200&format=pjpg" alt="SoFi" 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 has-links"> <p><strong>Overview: </strong>SoFi takes the spot as the best online personal loan for a number of reasons. For one, the lender offers the most robust portfolio of exclusive member benefits. It also hosts a fully online application and lending experience, as well as offering loans up to $100,000, higher than many of our top loan picks. </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/sofi/">Read Bankrate's Expert SoFi 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%–29.49%</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> $5k– $100k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> <span>Not specified</span> </div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-7c386e92-681d-4ac9-b41b-692616d3c403"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Individuals with good-to-excellent credit scores and a superior credit history, or those who plan on using a creditworthy co-signer to qualify for a large loan amount. It may also be a good choice for higher loan amounts if you don’t qualify for LightStream’s 695 minimum credit score because SoFi doesn’t have a minimum credit score requirement. There are also many perks offered by the lender, including resources aimed at helping you improve your financial health and career growth opportunities.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Individuals with good-to-excellent credit scores and a superior credit history, or those who plan on using a creditworthy co-signer to qualify for a large loan amount. It may also be a good choice for higher loan amounts if you don’t qualify for LightStream’s 695 minimum credit score because SoFi doesn’t have a minimum credit score requirement. There are also many perks offered by the lender, including resources aimed at helping you improve your financial health and career growth opportunities.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2011</li> <li>Available in all 50 states </li> <li>Online application</li> <li>Unemployment protection</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>No fees </li> <li>Same-day funding </li> <li>60 second prequalification </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 md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2011</li> <li>Available in all 50 states </li> <li>Online application</li> <li>Unemployment protection</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>No fees </li> <li>Same-day funding </li> <li>60 second prequalification </li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> </div> <div id="what-is" class="SectionWithTocItem " data-beam-element-viewed id="what-is" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="What is a personal loan?" data-position="2" data-text="" > <div class="wysiwyg display-inline has-links"> <h2>What is a personal loan? </h2> <p>A <a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-a-personal-loan/">personal loan</a> is a type of installment loan. You receive the funds all at once and repay them in monthly installments, similar to a car loan or home mortgage. They are usually paid over one to seven years. However, some lenders offer longer terms. Interest rates are usually fixed, making them a great option for paying off variable-rate credit card balances.</p> <p>Possible <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reasons-to-get-a-personal-loan/">personal loan uses</a> include consolidating debt, financing a home renovation or paying for family needs, like a wedding or adoption. They are also an excellent tool to pay off credit-score damaging revolving debt.</p> <p>While most personal loans are unsecured, some lenders allow you to choose a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/secured-vs-unsecured-personal-loans/">secured or unsecured personal loan</a>. If you choose a secured loan, you must back the loan with collateral, like a car or other asset, which the lender can seize if you stop making payments.</p> <p>Personal loans are available from banks, credit unions or private lenders, including online marketplaces and peer-to-peer lenders. Getting a personal loan takes as little as one or two business days, typically faster than a home equity loan or a cash-out refinance.</p></div> <div class="wysiwyg display-inline has-links"> <h2>Personal loan interest rates</h2> <p>The interest rate you're offered will depend on several factors, including your credit score, your income, your current debts, the Federal Reserve's actions and the type of loan you're interested in.</p></div> <div id="tabs-v3-0a5d0058-d722-4a04-80fc-6493c94076a1" class="TabsV3" x-data="{ selectedId: null, init() { // Set the first available tab on the page on page load. this.$nextTick(() => this.select(this.$id('tab', 1))) }, select(id) { this.selectedId = id }, isSelected(id) { return this.selectedId === id }, whichChild(el, parent) { return Array.from(parent.children).indexOf(el) + 1 } }" x-id="['tab']"> <div class="sm:gutter"> <div class="wrapper" style=""> <ul class="TabsV3-nav full-width display-flex" x-ref="tablist" @keydown.right.prevent.stop="$focus.wrap().next()" @keydown.home.prevent.stop="$focus.first()" @keydown.page-up.prevent.stop="$focus.first()" @keydown.left.prevent.stop="$focus.wrap().prev()" @keydown.end.prevent.stop="$focus.last()" @keydown.page-down.prevent.stop="$focus.last()" role="tablist"> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > Rates by credit score</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > Current personal loan interest rates</button> </li> </ul> </div> </div> <div class="TabsV3-content mt-5 TabsV3-content-noscript sm:gutter" x-cloak> <noscript> <style> .TabsV3-content-noscript { display: block !important; } </style> </noscript> <div class="wrapper"> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab" style=""> <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/loans/personal-loans/average-personal-loan-rates/">Average personal loan interest rates</a> vary depending on your <a class="Link" href="https://www.bankrate.com/loans/personal-loans/average-credit-score-for-personal-loans/">credit score</a>. Lenders offer borrowers with fair or bad credit higher rates because they see them as more likely to default.</p> <p>Borrowers with good or excellent credit are more eligible for the lender's most competitive rates and terms. Lenders often also charge lower rates for shorter terms, higher loan amounts and may offer discounts for auto payment set up.</p> <p>Check your credit score to <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-to-calculate-loan-interest/">calculate your potential interest rate</a>.</p> <div class="table-container"> <table class="Table" style="border-collapse: collapse; width: 100%; height: 155px; border-color: #000000; border-style: solid;"> <tbody> <tr style="height: 31px;"> <th style="width: 17.3124%; height: 31px; background-color: #ecf0f1;"><strong>CREDIT BAND</strong></th> <th style="width: 28.4605%; height: 31px; background-color: #ecf0f1;"><strong>CREDIT SCORE RANGE</strong></th> <th style="width: 54.1576%; height: 31px; background-color: #ecf0f1;"><strong>AVERAGE PERSONAL LOAN INTEREST RATE</strong></th> </tr> <tr style="height: 31px;"> <td style="width: 17.3124%; height: 31px;"><strong>Excellent</strong></td> <td style="width: 28.4605%; height: 31px;">720-850</td> <td style="width: 54.1576%; height: 31px;">10.73%-12.50%</td> </tr> <tr style="height: 31px;"> <td style="width: 17.3124%; height: 31px;"><strong>Good</strong></td> <td style="width: 28.4605%; height: 31px;">690-719</td> <td style="width: 54.1576%; height: 31px;">13.50%-15.50%</td> </tr> <tr style="height: 31px;"> <td style="width: 17.3124%; height: 31px;"><strong>Average</strong></td> <td style="width: 28.4605%; height: 31px;">630-689</td> <td style="width: 54.1576%; height: 31px;">17.80%-19.90%</td> </tr> <tr style="height: 31px;"> <td style="width: 17.3124%; height: 31px;"><strong>Bad</strong></td> <td style="width: 28.4605%; height: 31px;">300-629</td> <td style="width: 54.1576%; height: 31px;">28.50%-32.00%</td> </tr> </tbody> </table> </div></div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab" style=""> <div class="wysiwyg display-block w-full has-links"> </div> <div class="line-chart" data-line-chart="lf41870ff-16d6-4e4b-a172-498f81d007aechart" x-data="lineChart({ chartData: JSON.parse('{\u0022datasetGroups\u0022:{\u0022Personal loan\u0022:[{\u0022data\u0022:[12.41,12.4,12.38,12.31,12.31,12.31,12.31,12.29,12.29,12.29,12.29,12.48,12.48,12.46,12.46,12.4,12.38,12.37],\u0022label\u0022:\u0022Personal loans\u0022}]},\u0022labels\u0022:[\u00222024-10-23\u0022,\u00222024-10-30\u0022,\u00222024-11-06\u0022,\u00222024-11-13\u0022,\u00222024-11-20\u0022,\u00222024-11-26\u0022,\u00222024-12-04\u0022,\u00222024-12-11\u0022,\u00222024-12-18\u0022,\u00222024-12-25\u0022,\u00222024-12-31\u0022,\u00222025-01-08\u0022,\u00222025-01-15\u0022,\u00222025-01-22\u0022,\u00222025-01-29\u0022,\u00222025-02-05\u0022,\u00222025-02-12\u0022,\u00222025-02-19\u0022],\u0022chartId\u0022:\u0022lf41870ff-16d6-4e4b-a172-498f81d007aechart\u0022,\u0022colors\u0022:[\u0022#A5D4F4\u0022,\u0022#4898FF\u0022,\u0022#359367\u0022,\u0022#2B0086\u0022]}'), tabGroup: 'Personal loan' })"> <div class="display-grid grid-cols-1 md:grid-cols-3 md:gap-5"> <div class="md:col-span-2 mr-6 mb-6 md:mb-0"> <canvas id="lf41870ff-16d6-4e4b-a172-498f81d007aechart" style="height: 300px;" width="400" height="300"></canvas> </div> <div class="md:col-span-1"> <div class="display-flex align-items-center mb-4"> <p class="type-heading-four mb-0 text-black"> <span> Average rates as of February 19, 2025</span> <div id="t6b008b45-8c04-4fa7-8090-7b9c4ac68a2a" class="display-none"> <div class="w-64" style="max-width: calc(100vw - 4rem)"> Interest rates are averages from a Bankrate survey.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t6b008b45-8c04-4fa7-8090-7b9c4ac68a2a" role="tooltip" tabIndex="0" id="lf41870ff-16d6-4e4b-a172-498f81d007aechart-tooltip"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-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> </p> </div> <div id="lf41870ff-16d6-4e4b-a172-498f81d007aechart-ChartLegend" class="mb-10"> <table class="Table Table--borderedRows"> <tbody> <tr x-show="tabGroup === 'Personal loan'"> <td class="px-2"> <span class="bullet" style="background: #A5D4F4;"></span> </td> <td class="series-name type-body-one py-3 p-0 text-slate text-left"> Personal loans</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black"> 12.37% </td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </div> </div> </div> <div class="vertical-spacer pt- trsy-pt-[--pt] w-full" style="content: ''; --pt: 0rem"></div> </div> <div id="calculate" class="SectionWithTocItem " data-beam-element-viewed id="calculate" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="Calculating your loan payment" data-position="3" data-text="" > <div class="wysiwyg display-block w-full has-links"> <h2>How to calculate your loan payment</h2> <p>Use our calculator to find the perfect loan repayment plan for you. Enter in the loan amount, term and interest rate to get your <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-to-calculate-loan-payments/">estimated monthly payment</a> and total interest accrual.</p></div> <div class="calculator"> <div id="react-loan-calculator" class="rl-calculator"></div></div> <div class="vertical-spacer pt-12 trsy-pt-[--pt] w-full" style="content: ''; --pt: 3rem"></div> <ul class="Accordion w-full" data-cy="accordion-2fbcdf50-bbf6-49ff-a30a-5a2b91535dc8"> <li x-id="['panel-span-classtext-how-the-loan-calculator-worksspan', 'heading-span-classtext-how-the-loan-calculator-worksspan']" 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-how-the-loan-calculator-worksspan')" :aria-controls="$id('panel-span-classtext-how-the-loan-calculator-worksspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" how the loan calculator works " data-position="1" data-text=" How the loan calculator works " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How the loan calculator works</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-how-the-loan-calculator-worksspan')" :labelledBy="$id('heading-span-classtext-how-the-loan-calculator-worksspan')" 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 has-links"> <ul> <li><strong>Loan amount: </strong>Enter in how much you want to borrow. Personal loan amounts typically range from $1,000 to $100,000. </li> <li><strong>Loan term:</strong> How many years you choose to pay the loan off. Personal loan terms are usually between one and seven years. Experiment with shorter and longer terms to find the right payment for your budget.</li> <li><strong>Loan interest rate: </strong>Enter the rate here. As of Feb. 19, 2025, the average personal loan interest rate is 12.37 percent.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-how-the-loan-calculator-worksspan')" :labelledBy="$id('heading-span-classtext-how-the-loan-calculator-worksspan')" 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 has-links"> <ul> <li><strong>Loan amount: </strong>Enter in how much you want to borrow. Personal loan amounts typically range from $1,000 to $100,000. </li> <li><strong>Loan term:</strong> How many years you choose to pay the loan off. Personal loan terms are usually between one and seven years. Experiment with shorter and longer terms to find the right payment for your budget.</li> <li><strong>Loan interest rate: </strong>Enter the rate here. As of Feb. 19, 2025, the average personal loan interest rate is 12.37 percent.</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-what-the-estimated-monthly-payment-box-tells-you', 'heading-what-the-estimated-monthly-payment-box-tells-you']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-the-estimated-monthly-payment-box-tells-you')" :aria-controls="$id('panel-what-the-estimated-monthly-payment-box-tells-you')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what the estimated monthly payment box tells you " data-position="2" data-text=" What the estimated monthly payment box tells you " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What the estimated monthly payment box tells you</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-the-estimated-monthly-payment-box-tells-you')" :labelledBy="$id('heading-what-the-estimated-monthly-payment-box-tells-you')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li><strong>Total loan amount paid: </strong>This is the principal amount you borrow. </li> <li><strong>Total cost of loan: </strong>This is how much you’ll pay, including interest charges, over the term you choose. </li> <li><strong>Total interest paid: </strong>This is how much interest you’ll pay if you keep the loan for the full term. Keep in mind, the longer the term, the more interest you’ll pay. </li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-the-estimated-monthly-payment-box-tells-you')" :labelledBy="$id('heading-what-the-estimated-monthly-payment-box-tells-you')" 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 has-links"> <ul> <li><strong>Total loan amount paid: </strong>This is the principal amount you borrow. </li> <li><strong>Total cost of loan: </strong>This is how much you’ll pay, including interest charges, over the term you choose. </li> <li><strong>Total interest paid: </strong>This is how much interest you’ll pay if you keep the loan for the full term. Keep in mind, the longer the term, the more interest you’ll pay. </li> </ul></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> </div> <div id="what-is-cont" class="SectionWithTocItem " data-beam-element-viewed id="what-is-cont" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="What is continued" data-text="" > <div class="wysiwyg display-block w-full has-links"> <h2>2025 Fed interest rate changes</h2> <p>In the <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/fomc-meeting-recap-january-2025/">first Fed meeting of 2025</a>, the Federal Open Market Committee (FOMC) held rates steady, leaving the target rate at 4.25-4.5 percent. This came on the heels of three federal fund rate cuts in 2024 amid the central bank's efforts to ease inflation.</p> <p>Because personal loan rates are tied more closely to short-term rates, there is a chance they’ll start to drop if the Fed continues to lower rates. However, experts expect fewer cuts in 2025, some predicting only one for the year. According to Bankrate's <a class="Link" href="https://www.bankrate.com/loans/personal-loans/personal-loan-rates-forecast/">personal loan interest rate forecast for 2025</a>, rates may lower slightly for good-credit borrowers. Chief financial analyst Greg McBride adds that, if rates decrease, it'll be at a very slow pace and that any movement will depend on inflation.</p></div> <div class="BlockQuote pb-8 BlockQuote--bordered display-flex flex-direction-column align-items-center text-center md:text-left md:flex-direction-row gap-3 md:gap-8" > <div class="ImageContainer"> <div class="AuthorAvatar AvatarQuote flex-shrink-0" style="background-image: url(https://www.bankrate.com/f/102997/1096x731/c812c160bc/greg-mcbride-expert-stylistic.png?width=240&height=240&fit=cover&enable=upscale&crop=1:1,smart)" ></div> </div> <blockquote class="BlockQuote-text text-center md:text-left" > <q>Interest rates will come down very slowly, if at all, in 2025 and that will be particularly true for unsecured loans. For interest rates to come down more, inflation needs to come down more. As long as inflation remains stubbornly high, interest rates will also need to remain high.</q> <cite class="PullQuote-cite text-black "> <div class="display-flex align-items-center"> <svg class="w-6 h-6 mr-2" 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> Greg McBride, Bankrate Chief Financial Analyst </div> </cite> </blockquote> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-inline has-links"> <h2>Personal loan uses </h2> <p>Borrowers take out different <a class="Link" href="https://www.bankrate.com/loans/personal-loans/types-of-personal-loans/">types of personal loans</a> for different loan purposes. While there are many options out there, here are a few of the most common. </p></div> <ul class="Accordion w-full" data-cy="accordion-00ff74dd-f4d5-4039-90e1-7b1b3ea40da1"> <li x-id="['panel-span-classtext-home-improvement-projects-span', 'heading-span-classtext-home-improvement-projects-span']" 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-home-improvement-projects-span')" :aria-controls="$id('panel-span-classtext-home-improvement-projects-span')" :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 improvement projects " data-position="1" data-text=" Home improvement projects " 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" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Home Equity Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M9.973 2.727a3.268 3.268 0 0 1 4.046 0l3.521 2.79V4.279c0-.361.296-.656.657-.656.36 0 .656.295.656.656v2.28l3.399 2.695a.653.653 0 1 1-.813 1.025l-.583-.462v9.86a2.294 2.294 0 0 1-2.298 2.299H5.417a2.294 2.294 0 0 1-2.298-2.299v-9.84l-.558.442a.653.653 0 0 1-.92-.106.653.653 0 0 1 .107-.92L3.292 8.03a.664.664 0 0 1 .163-.13l6.526-5.172h-.008Zm3.234 1.026 6.336 5.022v10.901a.988.988 0 0 1-.985.985H5.417a.988.988 0 0 1-.985-.985V8.796l6.361-5.043a1.948 1.948 0 0 1 2.414 0Zm-1.872 13.01H9.94a.659.659 0 0 1-.657-.657c0-.36.296-.656.657-.656h2.668c.426 0 .78-.353.78-.78a.785.785 0 0 0-.78-.78h-1.642a2.091 2.091 0 0 1-2.093-2.093c0-1.157.936-2.093 2.093-2.093h.37V8.72c0-.361.295-.657.656-.657.361 0 .656.296.656.657v.985h.986c.36 0 .656.296.656.657a.659.659 0 0 1-.656.656h-2.668a.785.785 0 0 0-.78.78c0 .427.353.78.78.78h1.642c1.157 0 2.093.936 2.093 2.093 0 1.144-.914 2.07-2.053 2.092v.986a.659.659 0 0 1-.656.656.659.659 0 0 1-.657-.656v-.985Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Home improvement projects </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-home-improvement-projects-span')" :labelledBy="$id('heading-span-classtext-home-improvement-projects-span')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>A personal loan may be handy if you want to finance home renovations but don’t have the cash upfront. Using a <a class="Link" href="https://www.bankrate.com/loans/home-improvement/rates/">personal loan for home improvement</a> may be appealing compared to a home equity product. Your house isn't used to secure the loan and isn't at risk if you default.</p> <ul> <li><strong>Who it’s best for</strong>: People who want to make renovations that will increase the home’s value, but don't have enough equity built up to take out a <a class="Link" href="https://www.bankrate.com/home-equity/current-interest-rates/">home equity product</a>.  </li> <li><strong>What to watch out for</strong>: Personal loan terms are usually shorter than home equity products’ terms, which could lead to an unaffordable monthly payment. </li> <li><strong>When to get started</strong>: Determine how much you need by getting estimates from contractors. If you apply for too little, you’ll have to re-apply for a higher amount, which may necessitate another high credit check. </li> <li><strong style="font-size: 1em;">How to get started</strong><span style="font-size: 1em;">: After you have project estimates, look for lenders and prequalify with a few companies. Compare your predicted offers to find the most competitive APR.</span></li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-home-improvement-projects-span')" :labelledBy="$id('heading-span-classtext-home-improvement-projects-span')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>A personal loan may be handy if you want to finance home renovations but don’t have the cash upfront. Using a <a class="Link" href="https://www.bankrate.com/loans/home-improvement/rates/">personal loan for home improvement</a> may be appealing compared to a home equity product. Your house isn't used to secure the loan and isn't at risk if you default.</p> <ul> <li><strong>Who it’s best for</strong>: People who want to make renovations that will increase the home’s value, but don't have enough equity built up to take out a <a class="Link" href="https://www.bankrate.com/home-equity/current-interest-rates/">home equity product</a>.  </li> <li><strong>What to watch out for</strong>: Personal loan terms are usually shorter than home equity products’ terms, which could lead to an unaffordable monthly payment. </li> <li><strong>When to get started</strong>: Determine how much you need by getting estimates from contractors. If you apply for too little, you’ll have to re-apply for a higher amount, which may necessitate another high credit check. </li> <li><strong style="font-size: 1em;">How to get started</strong><span style="font-size: 1em;">: After you have project estimates, look for lenders and prequalify with a few companies. Compare your predicted offers to find the most competitive APR.</span></li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-debt-consolidation-span', 'heading-span-classtext-debt-consolidation-span']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-debt-consolidation-span')" :aria-controls="$id('panel-span-classtext-debt-consolidation-span')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" debt consolidation " data-position="2" data-text=" Debt consolidation " 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" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Debt Icon</title><path d="M20.761 24H7.263a3.3 3.3 0 0 1-2.48-1.103 3.073 3.073 0 0 1-.745-2.525L5.845 9.659C6.088 8.119 7.441 7 9.062 7h9.876c1.62 0 2.974 1.118 3.217 2.667l1.807 10.697a3.06 3.06 0 0 1-.754 2.533 3.286 3.286 0 0 1-2.463 1.095l.016.008Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M14.13 4.39c.132-.292.205-.614.205-.952a2.331 2.331 0 0 0-2.322-2.323 2.331 2.331 0 0 0-2.322 2.323c0 .338.073.66.204.951h-3.08a3.393 3.393 0 0 0-3.378 2.893L1.54 18.937a3.427 3.427 0 0 0 3.386 3.947H19.1l-.017-.008c.996 0 1.94-.434 2.587-1.191a3.411 3.411 0 0 0 .79-2.757L20.564 7.29a3.393 3.393 0 0 0-3.378-2.9H14.13Zm-2.07 0a.966.966 0 0 0 .914-.96.966.966 0 0 0-.961-.962.966.966 0 0 0-.961.961c0 .512.408.935.913.96h.096ZM6.824 5.758c-1.02 0-1.88.732-2.033 1.744L2.893 19.158a2.05 2.05 0 0 0 .468 1.65c.391.46.961.724 1.565.724H19.1a2.07 2.07 0 0 0 1.557-.715c.392-.46.57-1.064.477-1.659L19.235 7.52a2.044 2.044 0 0 0-2.033-1.753H6.832l-.009-.008Zm4.509 11.035c0 .375.306.68.68.68.375 0 .681-.305.681-.68v-.332a1.89 1.89 0 0 0 0-3.777h-1.378a.53.53 0 0 1-.528-.528.53.53 0 0 1 .528-.527h.588a.673.673 0 0 0 .22 0h1.43c.374 0 .68-.307.68-.68a.683.683 0 0 0-.68-.681h-.86v-.332a.683.683 0 0 0-.68-.68.683.683 0 0 0-.681.68v.332h-.017a1.89 1.89 0 0 0-1.889 1.888c0 1.038.851 1.889 1.889 1.889h1.378a.53.53 0 0 1 .528.527.53.53 0 0 1-.528.528h-2.237a.683.683 0 0 0-.68.68c0 .375.305.681.68.681h.876v.332Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Debt consolidation </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-debt-consolidation-span')" :labelledBy="$id('heading-span-classtext-debt-consolidation-span')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/">Personal loans for debt consolidation</a> allow you to pay off several debts with one loan at a fixed rate and payment. This is one of the <a class="Link" href="https://www.bankrate.com/loans/personal-loans/ways-a-personal-loan-can-help-save-money/">ways a personal loan can help you save money</a> in the long run if the new loan interest rate is lower than your existing rates.</p> <ul> <li><strong>Who it’s best for</strong>: People with several high-interest debts, such as credit cards, who want to combine them into one payment and save on interest. </li> <li><strong>What to watch out for</strong>: Don’t consolidate debt unless you can get a better interest rate and are aware of every fee charged. </li> <li><strong>When to get started</strong>: If you have several high-interest rate credit cards and can qualify for a lower rate with a personal loan.</li> <li><strong style="font-size: 1em;">How to get started</strong><span style="font-size: 1em;">: Calculate how much money you could save on interest rates, and prequalify with multiple lenders to get the best terms possible.</span></li> </ul> <p>Find out how much you could save with our <a class="Link" href="https://www.bankrate.com/personal-finance/debt/debt-consolidation-calculator/">debt consolidation calculator</a>.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-debt-consolidation-span')" :labelledBy="$id('heading-span-classtext-debt-consolidation-span')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/">Personal loans for debt consolidation</a> allow you to pay off several debts with one loan at a fixed rate and payment. This is one of the <a class="Link" href="https://www.bankrate.com/loans/personal-loans/ways-a-personal-loan-can-help-save-money/">ways a personal loan can help you save money</a> in the long run if the new loan interest rate is lower than your existing rates.</p> <ul> <li><strong>Who it’s best for</strong>: People with several high-interest debts, such as credit cards, who want to combine them into one payment and save on interest. </li> <li><strong>What to watch out for</strong>: Don’t consolidate debt unless you can get a better interest rate and are aware of every fee charged. </li> <li><strong>When to get started</strong>: If you have several high-interest rate credit cards and can qualify for a lower rate with a personal loan.</li> <li><strong style="font-size: 1em;">How to get started</strong><span style="font-size: 1em;">: Calculate how much money you could save on interest rates, and prequalify with multiple lenders to get the best terms possible.</span></li> </ul> <p>Find out how much you could save with our <a class="Link" href="https://www.bankrate.com/personal-finance/debt/debt-consolidation-calculator/">debt consolidation calculator</a>.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-emergency-expensesspan', 'heading-span-classtext-emergency-expensesspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-emergency-expensesspan')" :aria-controls="$id('panel-span-classtext-emergency-expensesspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" emergency expenses " data-position="3" data-text=" Emergency expenses " 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" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Loan Icon</title><ellipse cx="17.7" cy="9.166" rx="6.3" ry="6.166" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M20.638 12.336a.649.649 0 0 0 .343.094l-.009-.017c.24 0 .472-.12.601-.344a7.055 7.055 0 0 0 .927-3.503c0-3.899-3.158-7.066-7.046-7.066-3.887 0-7.046 3.167-7.046 7.066 0 .714.103 1.42.31 2.083a.689.689 0 0 0 .858.456.685.685 0 0 0 .454-.86 5.697 5.697 0 0 1-.249-1.67c0-3.133 2.55-5.69 5.673-5.69 3.124 0 5.673 2.548 5.673 5.69 0 .99-.258 1.97-.747 2.823a.692.692 0 0 0 .258.938Zm-5.184-.198a.69.69 0 0 1-.686-.688v-.155h-.61a.69.69 0 0 1 0-1.377h1.187a.683.683 0 0 1 .219 0h.465c.18 0 .318-.146.318-.318a.323.323 0 0 0-.318-.319h-1.15a1.69 1.69 0 0 1-1.69-1.695c0-.9.703-1.634 1.579-1.692v-.176a.69.69 0 0 1 .686-.689.69.69 0 0 1 .687.689v.172h.61a.69.69 0 0 1 0 1.377h-1.872a.317.317 0 0 0-.317.319c0 .172.146.318.317.318h1.15c.936 0 1.691.766 1.691 1.696 0 .891-.703 1.633-1.58 1.691v.159a.69.69 0 0 1-.686.688Zm.615 3.693c.047-.195.072-.4.072-.61 0-1.223-.815-2.256-2.034-2.557-1.184-.301-2.592-.594-4.068-.56-1.948.049-3.41.968-4.796 1.91-.34-.704-1.028-1.145-1.898-1.145H2.187a.69.69 0 0 0 0 1.377h1.158c.661 0 .755.525.755.835v5.207c0 .31-.094.835-.755.835H2.187a.69.69 0 0 0 0 1.377h1.158c.845 0 1.518-.415 1.867-1.083.982.006 1.798.042 2.699.223l.103.017.171.033c1.587.307 3.12.604 4.678.604l-.026-.009c1.236 0 2.489-.18 3.793-.688 2.085-.818 3.466-2.211 4.925-3.682l.001-.002.206-.206a2.47 2.47 0 0 0 .73-1.765c0-.67-.267-1.3-.73-1.764-.858-.878-2.257-.972-3.244-.232-.208.16-.416.327-.627.498-.085.07-.17.138-.257.207-.509.42-1.028.846-1.565 1.18ZM5.722 15.35l-.249.172v4.521c.937.012 1.784.06 2.704.247l.094.017.028.005c2.803.549 5.233 1.024 7.85.012 1.811-.714 3.038-1.945 4.446-3.374l.206-.206a1.1 1.1 0 0 0 .326-.792c0-.301-.12-.577-.326-.792a1.098 1.098 0 0 0-1.45-.103c-.275.207-.558.439-.841.671l-.031.025c-1.186.967-2.524 2.058-4.21 2.101-.3 0-.608 0-.909-.017l-.022-.001c-.481-.017-.929-.033-1.36.027a.694.694 0 0 1-.78-.586.695.695 0 0 1 .08-.432.689.689 0 0 1 .623-.402h.47c.266-.01.53-.007.786 0h.298c.764 0 1.313-.516 1.313-1.222 0-.585-.395-1.067-.996-1.222-1.15-.293-2.394-.55-3.699-.516-1.682.043-2.917.886-4.35 1.867Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Emergency expenses</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-emergency-expensesspan')" :labelledBy="$id('heading-span-classtext-emergency-expensesspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>A small <a class="Link" href="https://www.bankrate.com/loans/personal-loans/emergency-loans/">emergency personal loan</a> can cover the immediate cost of an unexpected expense like a car repair. An added bonus: These loans generally have lower rates than credit cards.</p> <ul> <li><strong>Who it’s best for:</strong> Someone dealing with an emergency expense who doesn’t want to use a high-interest credit card to cover the cost.</li> <li><strong>What to watch out for:</strong> APRs on loans advertised as emergency loans may be higher than what’s typical for personal loans.</li> <li><strong>When to get started</strong>: If you get stuck with an unexpected bill or emergency expense and don't have the funds readily available in savings.   </li> <li><strong style="font-size: 1em;">How to get started</strong><span style="font-size: 1em;">: Look for options that cap rates at or below 35.99 percent. </span><a class="Link" href="https://www.bankrate.com/loans/personal-loans/payday-loans/">Payday loans</a><span style="font-size: 1em;"> and predatory lenders often charge sky-high interest and are disguised as emergency loans.</span></li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-emergency-expensesspan')" :labelledBy="$id('heading-span-classtext-emergency-expensesspan')" 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 has-links"> <p>A small <a class="Link" href="https://www.bankrate.com/loans/personal-loans/emergency-loans/">emergency personal loan</a> can cover the immediate cost of an unexpected expense like a car repair. An added bonus: These loans generally have lower rates than credit cards.</p> <ul> <li><strong>Who it’s best for:</strong> Someone dealing with an emergency expense who doesn’t want to use a high-interest credit card to cover the cost.</li> <li><strong>What to watch out for:</strong> APRs on loans advertised as emergency loans may be higher than what’s typical for personal loans.</li> <li><strong>When to get started</strong>: If you get stuck with an unexpected bill or emergency expense and don't have the funds readily available in savings.   </li> <li><strong style="font-size: 1em;">How to get started</strong><span style="font-size: 1em;">: Look for options that cap rates at or below 35.99 percent. </span><a class="Link" href="https://www.bankrate.com/loans/personal-loans/payday-loans/">Payday loans</a><span style="font-size: 1em;"> and predatory lenders often charge sky-high interest and are disguised as emergency loans.</span></li> </ul></div> </div> </div> </noscript> </li> </ul> <div class="AskTheExperts border-gray-mid border rounded-lg bg-gray-light gap-4 p-8" x-data="{ author_id_active: '69df69fc-7be3-40a0-b419-84f53c65ba68' }"> <div class="display-flex align-items-center pb-4"> <svg class="mr-4" 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><div class="text-xs font-eyebrow font-bold" style="letter-spacing: 0.1em;">BANKRATE EXPERT FAQ</div> </div> <h3 class="type-heading-three w-full mb-4"> Does it make more sense to borrow with a personal loan or a HELOC right now?</h3> <div class="AskTheExperts-panel flex-direction-column md:flex-direction-row -m-2" role="list"> <div 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 = '69df69fc-7be3-40a0-b419-84f53c65ba68'" role="button" aria-label="Author name Mark Kantrowitz"> <img srcset="https://www.bankrate.com/f/102997/400x324/5594b4be6c/markkantavatar.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/f/102997/400x324/5594b4be6c/markkantavatar.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/400x324/5594b4be6c/markkantavatar.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/f/102997/400x324/5594b4be6c/markkantavatar.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> </div> <div 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 = '09fae7c3-d83e-455b-88c2-7bfbf44535d4'" role="button" aria-label="Author name Denny Ceizyk"> <img srcset="https://www.bankrate.com/f/102997/300x300/a2d6cbad45/dennyavatar.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/f/102997/300x300/a2d6cbad45/dennyavatar.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/300x300/a2d6cbad45/dennyavatar.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/f/102997/300x300/a2d6cbad45/dennyavatar.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> </div> </div> <hr class="w-full border-gray-mid border mx-0 my-2"> <div class="AskTheExperts-details" role="tabpanel"> <div x-show="author_id_active == '69df69fc-7be3-40a0-b419-84f53c65ba68'" aria-labelledby="AskTheExperts-tab-1" role="tabpanel" style=""> <div class="AskTheExperts-detailsItem"> <a class="AskTheExperts-detailsAuthor no-underline" href="https://www.bankrate.com/authors/mark-kantrowitz/"> <img srcset="https://www.bankrate.com/f/102997/400x324/5594b4be6c/markkantavatar.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/f/102997/400x324/5594b4be6c/markkantavatar.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/400x324/5594b4be6c/markkantavatar.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/f/102997/400x324/5594b4be6c/markkantavatar.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 finance expert</p> </div> </a> <div class="w-full mt-4 border-gray-mid border rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> Recent spikes in mortgage rates may make personal loans a better choice than home equity loans. People with high credit scores may find personal loan rates as competitive as home equity loan interest rates. In addition, a personal loan isn’t secured by your home, which means you don’t have to pay it off when you sell your home, and don’t risk losing your home to foreclosure if you can’t pay it off.</p> </div> </div> </div> <div x-show="author_id_active == '09fae7c3-d83e-455b-88c2-7bfbf44535d4'" 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/denny-ceizyk/"> <img srcset="https://www.bankrate.com/f/102997/300x300/a2d6cbad45/dennyavatar.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/f/102997/300x300/a2d6cbad45/dennyavatar.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/300x300/a2d6cbad45/dennyavatar.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/f/102997/300x300/a2d6cbad45/dennyavatar.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">Loans Senior Writer</p> </div> </a> <div class="w-full mt-4 border-gray-mid border rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> Despite the record highs in home equity, I’d recommend personal loans as a better alternative for two reasons. First, they don’t tie up your home’s equity since they’re typically unsecured. That means you net more profit if you plan to sell your home soon and avoid the risk of losing your home if you can’t repay the HELOC. Second, you could keep using a HELOC over at least the first 10 years, reducing your housing wealth. A personal loan forces you to pick a repayment period with a definite end date. Homeowners who rack up credit card debt over the holidays may be better off using a personal loan for debt consolidation, too. </p> </div> </div> </div> </div> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-block w-full has-links"> <h2>Pros and cons of personal loans </h2> <p>While helpful, personal loans aren't the best financing tool or solution for everyone. Consider the <a class="Link" href="https://www.bankrate.com/loans/personal-loans/pros-cons-of-personal-loans/">pros and cons of personal loans</a>. If you feel that the cons outweigh the pros, look into <a class="Link" href="https://www.bankrate.com/loans/personal-loans/alternatives-to-personal-loans/">personal loan alternatives</a>, like home equity products or a credit card.</p></div> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1707.5/next/img/svg/circle-check.svg" alt="Green circle with a checkmark inside"> </div> <h3 class="ProsAndConsItem-header"> Pros </h3> </div> <ul class="ProsAndConsItem-list"> <li>Money in one lump sum with lower interest rates than credit cards.</li> <li>Faster funding times than secured loan options like home equity loans.</li> <li>May help improve your credit score if used to pay off revolving credit. </li> <li>Few restrictions on how funds are used.</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1707.5/next/img/svg/remove-circle.svg" alt="Red circle with an X inside"> </div> <h3 class="ProsAndConsItem-header"> Cons </h3> </div> <ul class="ProsAndConsItem-list"> <li>Interest rates can be higher than credit cards for bad credit borrowers.</li> <li>Shorter terms could result in unaffordable monthly payments. </li> <li>Potentially high fees and penalties.</li> <li>Income must be stable to qualify — not good for gig or self-employed income.</li> </ul> </div> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-inline has-links"> <h2>When to take out a personal loan</h2> <p>Assess your finances and situation to decide whether now is a good time for a personal loan.</p> <p>Here are four scenarios when a personal loan is a good financial choice:</p> <ul> <li><strong>You have a steady, reliable income:</strong> A personal loan requires a regular monthly payment you can’t change, making it best for people with a regular salary or full-time job.</li> <li><strong>You want a definite debt payoff date:</strong> With a personal loan, you choose a fixed-rate term that usually ranges between one to seven years, putting you on a countdown to full repayment.</li> <li><strong>You don’t want to touch your home’s equity:</strong> A personal loan leaves your home equity intact and doesn't risk your home.</li> <li><strong>You want to avoid revolving credit and improve your credit score:</strong> One of the differences between a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/personal-loan-versus-a-credit-card/">personal loan and a credit card</a> is the way you receive funds. A personal loan is disbursed in one lump sum, while a credit card is paid through revolving debt. Revolving debt can be hard to pay off because you can reuse it, easily borrowing more money without having to apply or qualify again.</li> </ul></div> </div> <div id="how-to" class="SectionWithTocItem " data-beam-element-viewed id="how-to" data-type="SHELF-TOC" data-location="SHELF-TOC-section" data-name="How to get a personal loan " data-position="4" data-text="" > <div class="vertical-spacer pt-4 trsy-pt-[--pt] w-full" style="content: ''; --pt: 1rem"></div> <div class="wysiwyg display-block w-full has-links"> <h2>How to get a personal loan</h2> <p>Knowing the <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-to-get-personal-loan/">steps to getting a personal loan</a> will make the application and approval process easier.</p></div> <ol class="List List--ordered List--orderedCircled display-flex flex-direction-column gap-y-6 m-0 gap-y-6"> <li class="List-item display-flex m-0 pl-12"> <div class="m-0"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Check your credit score:</strong> Many lenders have minimum credit score requirements to qualify, but there are <a href="https://www.bankrate.com/loans/personal-loans/bad-credit-loans/">loans for bad credit</a> borrowers as well. However, lower credit scores often get higher rates. </p></div> </div> </li> <li class="List-item display-flex m-0 pl-12"> <div class="m-0"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Figure out how much loan you can afford:</strong> Don't just ask how <a href="https://www.bankrate.com/loans/personal-loans/how-big-of-a-loan-can-i-get/">big of a personal loan you can get</a>. Figure out how much money you need to borrow based on the loan's intended use. Then, plug the numbers into a <a href="https://www.bankrate.com/loans/personal-loans/calculators/">personal loan calculator</a> to see how different terms, rates and fees could impact your total balance.</p></div> </div> </li> <li class="List-item display-flex m-0 pl-12"> <div class="m-0"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Learn lender </strong><strong>requirements</strong><strong> and get your paperwork together:</strong> Check the lender’s website for eligibility information to ensure you match the lender’s requirements to qualify.</p></div> </div> </li> <li class="List-item display-flex m-0 pl-12"> <div class="m-0"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Consider your financial goals and current </strong><strong>situation:</strong> Consider how fast you need funding, how long you need to pay off the loan and whether you need a bad credit loan.<br> </p></div> </div> </li> <li class="List-item display-flex m-0 pl-12"> <div class="m-0"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Choose the type of loan you </strong><strong>need: </strong>Different loan types will come with different rates and terms, so it's best to choose the loan that fits your situation.<br> </p></div> </div> </li> <li class="List-item display-flex m-0 pl-12"> <div class="m-0"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Shop at least three different lenders:</strong> Get prequalified with at least three lenders and compare your predicted loan costs.</p></div> </div> </li> <li class="List-item display-flex m-0 pl-12"> <div class="m-0"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Pick a lender and finalize your approval:</strong> Once you officially apply, the lender will pull your credit and notify you of approval within a few business days or up to one week.</p></div> </div> </li> <li class="List-item display-flex m-0 pl-12"> <div class="m-0"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Provide the necessary documentation:</strong> Lenders may require pay stubs, tax documents or <a href="https://www.bankrate.com/loans/personal-loans/documents-required-for-personal-loan/">other additional documents</a> to prepare your final loan documents.</p></div> </div> </li> <li class="List-item display-flex m-0 pl-12"> <div class="m-0"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Get your funds and start making payments:</strong> Once you sign the loan agreement, the funds will likely be directly deposited into your bank account, usually within one business day. Consider signing up for automatic payments to make repayment easier.</p></div> </div> </li> </ol> <div class="wysiwyg display-block w-full has-links"> <h2>How to compare personal loans </h2> <p><a href="https://www.bankrate.com/loans/personal-loans/how-to-choose-the-best-personal-loan-lender/">Compare personal loan offers</a> to find the best product for your specific goals. Keep the following factors in mind as you compare your options.</p></div> <ul class="Accordion w-full" data-cy="accordion-db94ec95-6aef-4850-ab08-3b962c68fbdc"> <li x-id="['panel-span-classtext-review-interest-rates-and-feesspan', 'heading-span-classtext-review-interest-rates-and-feesspan']" 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-review-interest-rates-and-feesspan')" :aria-controls="$id('panel-span-classtext-review-interest-rates-and-feesspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" review interest rates and fees " data-position="1" data-text=" Review interest rates and fees " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Review interest rates and fees</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-review-interest-rates-and-feesspan')" :labelledBy="$id('heading-span-classtext-review-interest-rates-and-feesspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-the-apr-on-a-personal-loan/">Personal loan APRs</a> vary widely based on your credit score and the lender. Choose a loan amount high enough to cover origination fees, which can be as high as 12 percent of your loan amount.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-review-interest-rates-and-feesspan')" :labelledBy="$id('heading-span-classtext-review-interest-rates-and-feesspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-the-apr-on-a-personal-loan/">Personal loan APRs</a> vary widely based on your credit score and the lender. Choose a loan amount high enough to cover origination fees, which can be as high as 12 percent of your loan amount.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-run-payments-on-different-repayment-optionsspan', 'heading-span-classtext-run-payments-on-different-repayment-optionsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-run-payments-on-different-repayment-optionsspan')" :aria-controls="$id('panel-span-classtext-run-payments-on-different-repayment-optionsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" run payments on different repayment options " data-position="2" data-text=" Run payments on different repayment options " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Run payments on different repayment options</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-run-payments-on-different-repayment-optionsspan')" :labelledBy="$id('heading-span-classtext-run-payments-on-different-repayment-optionsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Most loan terms range between one and seven years. Look for lenders that offer repayment terms as short or long as you want.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-run-payments-on-different-repayment-optionsspan')" :labelledBy="$id('heading-span-classtext-run-payments-on-different-repayment-optionsspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Most loan terms range between one and seven years. Look for lenders that offer repayment terms as short or long as you want.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-consider-the-speed-of-fundingspan', 'heading-span-classtext-consider-the-speed-of-fundingspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-consider-the-speed-of-fundingspan')" :aria-controls="$id('panel-span-classtext-consider-the-speed-of-fundingspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" consider the speed of funding " data-position="3" data-text=" Consider the speed of funding " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Consider the speed of funding</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-consider-the-speed-of-fundingspan')" :labelledBy="$id('heading-span-classtext-consider-the-speed-of-fundingspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Although most personal loan lenders can fund your loan within one business day, not all of them can. Make sure you choose a lender that can deliver funds when you need them, especially if you’re a financial bind. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-consider-the-speed-of-fundingspan')" :labelledBy="$id('heading-span-classtext-consider-the-speed-of-fundingspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Although most personal loan lenders can fund your loan within one business day, not all of them can. Make sure you choose a lender that can deliver funds when you need them, especially if you’re a financial bind. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-look-at-features-and-customer-servicespan', 'heading-span-classtext-look-at-features-and-customer-servicespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-look-at-features-and-customer-servicespan')" :aria-controls="$id('panel-span-classtext-look-at-features-and-customer-servicespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" look at features and customer service " data-position="4" data-text=" Look at features and customer service " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Look at features and customer service</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-look-at-features-and-customer-servicespan')" :labelledBy="$id('heading-span-classtext-look-at-features-and-customer-servicespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Look for rate discount perks for automatic payments or the option to change your payment due date. Read the company reviews to ensure you have the customer support you need.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-look-at-features-and-customer-servicespan')" :labelledBy="$id('heading-span-classtext-look-at-features-and-customer-servicespan')" 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 has-links"> <p>Look for rate discount perks for automatic payments or the option to change your payment due date. Read the company reviews to ensure you have the customer support you need.</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"> <h3 class="mt-0 mb-4 max-w text-center sm:text-left"> The author’s expert insight </h3> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full has-links"> <p>"As someone who used to broker loans for a living, I know that the lowest rate lenders are not always the best choice for your circumstances. Those low rates may come with extra fees, short terms, and requirements that don’t fit your financial needs or that you can’t qualify for. A lender that offers slightly higher rates but longer terms may give your budget more breathing room than a lender that offers super low rates on loan balances you have to pay off quickly at a high monthly payment."</p> <p>- <a href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, <a href="https://www.bankrate.com/authors/denny-ceizyk/">Bankrate Senior Loans Writer</a></p></div> </div> </div> </div> </div> <div class="vertical-spacer pt-4 trsy-pt-[--pt] w-full" style="content: ''; --pt: 1rem"></div> <div class="BannerCard Card Card--flat box-shadow-1 rounded-md pos-relative Card--imageLeft"> <div class="Card-imageContainer"> <img loading="lazy" class="Card-image" src="https://www.bankrate.com/f/102997/912x513/7bfef9223d/how-to-get-a-personal-loan-in-8-steps.webp?auto=webp&optimize=high" srcset="https://www.bankrate.com/f/102997/912x513/7bfef9223d/how-to-get-a-personal-loan-in-8-steps.webp?auto=webp&fit=crop&width=475&height=270 475w, https://www.bankrate.com/f/102997/912x513/7bfef9223d/how-to-get-a-personal-loan-in-8-steps.webp?auto=webp&fit=crop&width=400&height=220 400w, https://www.bankrate.com/f/102997/912x513/7bfef9223d/how-to-get-a-personal-loan-in-8-steps.webp?auto=webp&fit=crop&width=310&height=180 310w, https://www.bankrate.com/f/102997/912x513/7bfef9223d/how-to-get-a-personal-loan-in-8-steps.webp?auto=webp&fit=crop&width=230&height=150 230w, https://www.bankrate.com/f/102997/912x513/7bfef9223d/how-to-get-a-personal-loan-in-8-steps.webp?auto=webp&fit=crop&width=80&height=70 80w" alt="Bankrate's image file"> </div> <div class="Card-body flex-direction-column sm:flex-direction-row align-items-center justify-content-space-between p-8"> <a href="https://www.bankrate.com/loans/personal-loans/how-to-get-personal-loan/" class="text-black pos-absolute w-full h-full" aria-label="How To Get A Personal Loan In 9 Steps" style="left:0" > </a> <div class="w-full mb-8 sm:mb-0"> <span class="BannerCard-eyebrow type-heading-six text-blue uppercase display-block mb-3"> LEARN MORE ABOUT</span> <h3 class="BannerCard-title type-heading-four mt-0 mb-4"> How To Get A Personal Loan In 9 Steps </h3> <div class="BannerCard-copy type-body-one text-slate"> <p>Get more details about how to get approved for the best personal loan for your credit situation.</p></div> </div> <div class="display-flex align-items-center flex-direction-row-reverse w-full sm:w-auto sm:flex-direction-row m-0"> <div class="flex-1"> <div class="Card-arrow"> <span class="Icon Icon--xs fill-blue"> <svg class="Icon-glyph" 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></span> </div> </div> </div> </div> </div> <div class="vertical-spacer pt-4 trsy-pt-[--pt] w-full" style="content: ''; --pt: 1rem"></div> <div class="wysiwyg display-block w-full has-links"> <h2>How to manage a personal loan </h2> <p>Effectively <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-to-manage-your-personal-loan/">managing a personal loan</a> requires understanding the repayment timeline before taking out the loan. Your spending habits and budget may have to change to accommodate for the monthly payment.</p> <p>This is especially true if you take out a personal loan to consolidate credit card debt. Unlike a credit card, personal loans have a fixed amount and no minimum payment options.</p> <p>If you miss payments or cannot make them, ask your lender about hardship payment relief options as soon as possible. Many lenders offer relief programs and they may be more willing to work with you if you notify them of your situation immediately.</p> <h3>How to refinance a personal loan</h3> <p>A personal loan refinance can reduce your monthly payment and save you hundreds in interest charges by paying off your current high rate loan replacing it with a new one with a lower rate. For example, the average rate could drop from 32 percent to just under 20 percent if your score changes from 629 to 630. That’s more than a 10 percentage point rate improvement, which could translate to a lower monthly payment and less total interest paid over the life of the loan. </p> <p>How and <a class="Link" href="https://www.bankrate.com/loans/personal-loans/refinance-personal-loan/">when to refinance a personal loan</a> depends on four factors.</p> <ol> <li><strong>How close you are to paying off your current loan: </strong>If your score improved substantially after a debt consolidation loan and you still have three to five years left, a refinance probably makes sense. If you have less than a year left, extending the term out for another three to five years — even at a lower rate — will probably cost you more in the long run. </li> <li><strong>How much your credit score has improved:</strong> If your credit has improved by 70 to 100 points, check to see what rates you might be eligible for. </li> <li><strong>How stable your income is:</strong> If you recently switched jobs to a higher pay rate or from commission to salary income, you have an easier time qualifying for a refinance. </li> <li><strong>Whether the Federal Reserve continues to cut rates:</strong> The <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/">Federal Reserve</a> cut the federal funds rate three times in 2024, but declined to move the target rate during its January 2025 meeting. Although such cuts don’t immediately affect personal loan rates, over time, lenders may begin to offer lower rates. Be sure to periodically check personal loan rates when you hear news about future Fed rate cuts. </li> </ol></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="5" data-text="" > <div class="wysiwyg display-inline has-links"> <div> <h2 id="faq">Frequently asked questions about personal loans</h2> </div></div> <ul class="Accordion w-full" data-cy="accordion-a7fa0457-f121-4936-a142-55957fdfe7e6"> <li x-id="['panel-how-long-does-it-take-to-get-a-personal-loan', 'heading-how-long-does-it-take-to-get-a-personal-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-long-does-it-take-to-get-a-personal-loan')" :aria-controls="$id('panel-how-long-does-it-take-to-get-a-personal-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" how long does it take to get a personal loan? " data-position="1" data-text=" How long does it take to get a personal loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How long does it take to get a personal loan?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-long-does-it-take-to-get-a-personal-loan')" :labelledBy="$id('heading-how-long-does-it-take-to-get-a-personal-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <div role="region"> <div> <div> <p>Some lenders offer same-day approval and disbursements, while others may take up to a few days to deposit the cash into your account. The <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-long-does-it-take-to-get-a-personal-loan/">time it takes to get a loan</a> will depend on the lender and if you meet the application requirements.</p> </div> </div> </div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-long-does-it-take-to-get-a-personal-loan')" :labelledBy="$id('heading-how-long-does-it-take-to-get-a-personal-loan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <div role="region"> <div> <div> <p>Some lenders offer same-day approval and disbursements, while others may take up to a few days to deposit the cash into your account. The <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-long-does-it-take-to-get-a-personal-loan/">time it takes to get a loan</a> will depend on the lender and if you meet the application requirements.</p> </div> </div> </div></div> </div> </div> </noscript> </li> <li x-id="['panel-where-to-get-a-personal-loan', 'heading-where-to-get-a-personal-loan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-where-to-get-a-personal-loan')" :aria-controls="$id('panel-where-to-get-a-personal-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" how does a personal loan affect your credit score? " data-position="2" data-text=" How does a personal loan affect your credit score? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How does a personal loan affect your credit score?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-where-to-get-a-personal-loan')" :labelledBy="$id('heading-where-to-get-a-personal-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>A <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-open-personal-loan-affects-credit/">personal loan can impact your credit score</a> in a negative or positive way, depending on how you manage it. Applying for a loan will temporarily drop your credit score by a few points, but adding a new credit type to your mix and making payments responsibly can raise your score over time.</p> <p>However, if you <a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-a-personal-loan-default/">default on a personal loan</a>, your credit will take a huge hit. It can also remain on your credit report for up to seven years, which can make it difficult to get approved for loans down the road.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-where-to-get-a-personal-loan')" :labelledBy="$id('heading-where-to-get-a-personal-loan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>A <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-open-personal-loan-affects-credit/">personal loan can impact your credit score</a> in a negative or positive way, depending on how you manage it. Applying for a loan will temporarily drop your credit score by a few points, but adding a new credit type to your mix and making payments responsibly can raise your score over time.</p> <p>However, if you <a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-a-personal-loan-default/">default on a personal loan</a>, your credit will take a huge hit. It can also remain on your credit report for up to seven years, which can make it difficult to get approved for loans down the road.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <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="6" data-text="" > <div class="wysiwyg display-block w-full has-links"> <h2>How we choose our best personal loan lenders</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 personal loans industry expertise </h3> </div> <div class="SimpleLink"> <a class="Link Link--standalone text-base trsy-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">45</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">900</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 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-block w-full has-links"> <p>To select the best personal loans, Bankrate’s team of experts evaluated over 40 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-358f079d-12c4-4fd4-89bf-1bb621d47db1"> <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="$id('heading-affordability')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>The interest rates, penalties and fees are measured in this section of the score. Lower rates and fees and fewer potential penalties result in a higher score. We also give bonus points to lenders offering rate discounts, grace periods and that allow borrowers to change their due date. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-affordability')" :labelledBy="$id('heading-affordability')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>The interest rates, penalties and fees are measured in this section of the score. Lower rates and fees and fewer potential penalties result in a higher score. We also give bonus points to lenders offering rate discounts, grace periods and that allow borrowers to change their due date. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-availability', 'heading-availability']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-availability')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Minimum loan amounts, number of repayment terms, eligibility requirements, ability to apply using a co-borrower or co-signer and loan turnaround time are considered in this category.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-availability')" :labelledBy="$id('heading-availability')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Minimum loan amounts, number of repayment terms, eligibility requirements, ability to apply using a co-borrower or co-signer and loan turnaround time are considered in this category.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-customer-experience', 'heading-customer-experience']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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 ? 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