CINXE.COM

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</script> <title>Best Debt Consolidation Loans in November 2024 | Bankrate</title><meta name="description" content="Explore Bankrate's expert picks for the best debt consolidation loans available and discover how the right rate can help you manage your debts more effectively."><meta name="PageType" content="rates-results"><meta name="Category" content="personal-loans"><meta name="SubCategories" content="loans"><meta name="pageuuid" content="1e1edead-e0b6-4796-abfa-294488b83399"><meta name="ContentSrc" content="sb:79417212"><link rel="canonical" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/"><meta name="robots" content="index, follow"><meta property="og:title" content="Best Debt Consolidation Loans in November 2024 | Bankrate"><meta property="og:description" content="Explore Bankrate's expert picks for the best debt consolidation loans available and discover how the right rate can help you manage your debts more effectively."><meta property="og:url" content="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/"><meta property="og:site_name" content="Bankrate"><meta name="twitter:card" content="summary"><meta name="twitter:site" content="@bankrate"><meta name="twitter:title" content="Best Debt Consolidation Loans in November 2024 | Bankrate"><meta name="twitter:description" content="Explore Bankrate's expert picks for the best debt consolidation loans available and discover how the right rate can help you manage your debts more effectively."><script type="application/ld+json">{"@context":"https://schema.org","@type":"WebPage"}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"Article","headline":"Best Debt Consolidation Loans in November 2024 | Bankrate","description":"Explore Bankrate's expert picks for the best debt consolidation loans available and discover how the right rate can help you manage your debts more effectively.","datePublished":"2024-05-20T13:00:00.000Z","dateModified":"2024-11-22T22:54:23.443Z","url":"https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/","mainEntity":{"@type":"WebPage","@id":"https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/"},"publisher":{"@type":"Organization","name":"Bankrate.com","logo":{"@type":"ImageObject","url":"https://www.bankrate.com/v5.1514.2/next/img/svg/logos/bankrate-wordmark.svg"}},"author":{"@type":"Person","name":"Denny Ceizyk","sameAs":"https://www.bankrate.com/authors/denny-ceizyk/"},"editor":{"@type":"Person","name":"Julie Linton","sameAs":"https://www.bankrate.com/authors/julie-linton/"}}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Is it hard to get a debt consolidation loan? 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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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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 - 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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 - 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Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2024/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2024" data-outcome="send to link" > Best banks of 2024</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="2" data-text="Cost of living calculator" data-outcome="send to link" > Cost of living calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/how-much-is-my-house-worth/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="3" data-text="How much is my house worth?" data-outcome="send to link" > How much is my house worth?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="4" data-text="Real estate resources" data-outcome="send to link" > Real estate resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-buy-a-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - 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@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="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" 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class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024" > Best cards of 2024</a> 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data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-slate font-circular-book" data-preamp="mortgage-dark-mode">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('CGb0vN')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-CGb0vN" 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https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/denny-ceizyk/" class="Link Link--standalone text-black"> Denny Ceizyk</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior writer, Loans</span> </div> </div> <div class="AuthorPreview-license my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>CD Icon</title><path 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2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Debt management</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Denny Ceizyk joined the Bankrate Loans team as a Senior Writer in 2023, providing 30 years of insight from his experience in loan sales and as a personal finance writer to help consumers navigate the lending landscape on their financial journeys.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/denny-ceizyk/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/denny-ceizyk-28188358/?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app" target="_blank" rel="nofollow" aria-label="Connect with Denny Ceizyk on LinkedIn" data-beam-element-clicked id="author_bio_denny_ceizyk_linkedin_icon" data-type="icon" data-location="author_bio_denny_ceizyk" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.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/brp/2024/10/22134838/Julie-Linton.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/julie-linton/" class="Link Link--standalone text-black"> Julie Linton</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Managing editor, Loans</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 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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 loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 8 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Julie Linton leads Loans coverage for Bankrate. She is committed to helping readers navigate complex personal finance decisions.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/julie-linton/" 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/lintonjulie/" target="_blank" rel="nofollow" aria-label="Connect with Julie Linton on LinkedIn" data-beam-element-clicked id="author_bio_julie_linton_linkedin_icon" data-type="icon" data-location="author_bio_julie_linton" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path 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font-circular-bold ">Julie Linton</a> </div> </span> </div> <div class="Byline-user md:ml-3"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('SvEugD')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-SvEugD" aria-controls="tooltip-content-SvEugD" x-bind="trigger"> Mark Kantrowitz</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-SvEugD" aria-hidden="true" aria-labelledby="tooltip-trigger-SvEugD" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/mark-kantrowitz/" class="Link Link--standalone text-black"> Mark Kantrowitz</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Nationally recognized student financial aid expert</span> </div> </div> <div class="AuthorPreview-expertise my-4"> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Mark Kantrowitz is an expert on student financial aid, the FAFSA, scholarships, 529 plans, education tax benefits and student loans.</div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/mark-kantrowitz/" class="text-link text-black plain font-circular-bold ">Mark Kantrowitz</a> </div> </span> </div> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.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/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.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/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('yLUwZs')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-yLUwZs" aria-controls="tooltip-content-yLUwZs" x-bind="trigger"> Julie Linton</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-yLUwZs" aria-hidden="true" aria-labelledby="tooltip-trigger-yLUwZs" 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/2024/10/22134838/Julie-Linton.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/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.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/brp/2024/10/22134838/Julie-Linton.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/julie-linton/" class="Link Link--standalone text-black"> Julie Linton</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Managing editor, Loans</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 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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 loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 8 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Julie Linton leads Loans coverage for Bankrate. She is committed to helping readers navigate complex personal finance decisions.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/julie-linton/" 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/lintonjulie/" target="_blank" rel="nofollow" aria-label="Connect with Julie Linton on LinkedIn" data-beam-element-clicked id="author_bio_julie_linton_linkedin_icon" data-type="icon" data-location="author_bio_julie_linton" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path 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sm:display-inline-block" x-data="interactiveTooltip('6ny8R6')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-6ny8R6" aria-controls="tooltip-content-6ny8R6" x-bind="trigger"> Mark Kantrowitz</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-6ny8R6" aria-hidden="true" aria-labelledby="tooltip-trigger-6ny8R6" 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 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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-b96d1bcd-8b27-4af3-8dc5-eb0db78e08a2-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-b96d1bcd-8b27-4af3-8dc5-eb0db78e08a2-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> <div class="type-body-three text-white"> <div class="wysiwyg display-inline"> <div>Updated Nov 22, 2024</div></div> </div> </div> </div> <div class="introText md:col-span-3 has-check-list-pq-banner mt-4" data-read-more="container"> <div class="mb-4 text-white"> <p id="intro-text-para" class="mb-2 text-sm leading-snug"> <span class="font-circular-bold"> What to know first:</span> <span id="intro-text-shortened"> Debt consolidation loans allow borrowers to combine several high-interest debt into a new loan. The best ones offer low rates, flexible repayment terms and quick funding turn times, ideally with a lower interest rate. These loans typically have interest rates that range from around 7 percent to 36 percent, but the rate you qualify for depends on your credit history, annual income and debt-to-income (DTI) ratio.</span> <button class="Link Link--standalone text-blue-300 font-circular-bold bg-transparent p-0 mb-2" id="intro-read-more-trigger" data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Read more" >Read more</button> <span class="display-none" id="intro-text-remaining"></span> </p> <div aria-hidden="false" class="introReadMore text-sm text-white mb-2 display-none" id="intro-read-more-content"> <div class="wysiwyg display-inline"> <p>The main categories Bankrate rates lenders on are affordability, availability, customer experience and transparency. Our <a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/#methodology">methodology</a> for picking top debt consolidation lenders considers annual percentage rates (APRs), terms and features each lender offers within these categories.</p></div> <div class="full-width text-right -mt-6 mb-4"> <button class="Link Link--standalone text-sm text-blue-300 font-circular-bold bg-transparent p-0" id="intro-show-less-trigger" data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Read Less" >Read Less</button> </div> </div> </div> </div> </div> </div> <div class="display-flex flex-direction-column sm:align-items-center mb-8 sm:mb-0"> <div id="rate-table-entry-point-banner" class="bg-white FormPqBanner FormPqBanner-check-list pos-relative box-shadow-1 rounded-lg"> <div class="m-6 md:mx-12 md:mt-6 md: mb-4"> <h2 class="type-heading-three text-xl mb-4 md:mb-4"> Check your personalized rates</h2> <div class="display-flex flex-direction-column md:flex-direction-row-reverse gap-4"> <form class="w-full md:w-1/2 display-flex flex-direction-column flex-direction-row align-items-end md:-mt-12"> <div class="rate-table-entry-point-banner-form-wrapper display-flex align-items-start"> <div id="FormPqBannerFormControl" class="rate-table-entry-point-banner-form-input-wrapper FormControl-wrap mr-3 md:mb-0"> <div class="FormControl FormControl--withLeftIcon" data-format="$"> <label class="FormLabel FormLabel--rightAddon" for="loanAmount">Loan amount</label> <input class="FormInput text-black" type="text" name="loanAmount" id="loanAmount" value="10000"> </div> </div> <button class="rate-table-entry-point-banner-form-button Button Button--primary w-full max-w-none max-h-12 mt-6 md:mb-0 pr-3 pl-3" id="loanAmountFormSubmit" type="submit" data-component-location="DarkSideV1 cta check list pq banner" data-component-position="DarkSideV1 component"> Find my rate</button> </div> </form> <div class="w-full md:w-1/2"> <ul class="m-0"> <li class="flex-item display-flex align-items-center font-normal text-sm pb-2 text-slate"> <svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="20px" height="20px" class="mr-1 flex-shrink-0"> <title>Checkmark</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M20.72 6.657l-1.792-1.79-9.573 9.368-3.778-3.71-1.827 1.789 5.657 5.657L20.72 6.657z" class="checkmark_svg__icon-base" fill="#0157ff"></path> </svg> <span> Compare rates in less than 2 minutes </li> <li class="flex-item display-flex align-items-center font-normal text-sm text-slate"> <svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="20px" height="20px" class="mr-1 flex-shrink-0"> <title>Checkmark</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M20.72 6.657l-1.792-1.79-9.573 9.368-3.778-3.71-1.827 1.789 5.657 5.657L20.72 6.657z" class="checkmark_svg__icon-base" fill="#0157ff"></path> </svg> <span> Checking 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15.9236C12.4087 15.9236 12.33 15.9179 12.2506 15.9067L8.53625 15.3767L8.71375 14.1386L12.4281 14.6692C12.5875 14.6936 12.7575 14.6198 12.85 14.4811C12.9563 14.3211 12.9831 14.1254 12.9231 13.9429C12.8631 13.7604 12.7262 13.6186 12.5456 13.5529L7.68375 11.7848C7.51875 11.7261 7.335 11.7386 7.18062 11.8204L7.10375 11.8554L4.585 12.7998L3.9225 16.7773L10.34 18.4454ZM18.4406 13.6479C18.9688 13.5973 19.4925 13.7692 19.8838 14.1223C20.2756 14.4767 20.5 14.9829 20.5 15.5117V16.1542C20.5 16.7186 20.1194 17.2142 19.5744 17.3598L10.9781 19.6523C10.82 19.6942 10.6581 19.7148 10.4956 19.7148C10.3381 19.7148 10.18 19.6954 10.0262 19.6554L3.71625 18.0154L3.555 18.9811L0.5 19.9998V17.2579H1.75V18.2654L2.445 18.0342L3.48438 11.7979L1.75 12.1448V15.3829H0.5V11.1204L5.01562 10.2173L4.8225 11.3754L6.63062 10.6979C7.08875 10.4661 7.62563 10.4342 8.11125 10.6104L12.9731 12.3786C13.5163 12.5754 13.9306 13.0042 14.1106 13.5536C14.1669 13.7242 14.1888 13.8986 14.195 14.0723L18.4406 13.6479Z" fill="#151515"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.0649 5.9375H13.3149V4.6875H12.0649V5.9375ZM14.5649 8.4375H15.8149V7.1875H14.5649V8.4375ZM13.3149 10.3125H14.5649V9.6875H17.0649V5.9375H14.5649V4.6875H17.0649V3.4375H14.5649V2.8125H13.3149V3.4375H10.8149V7.1875H13.3149V8.4375H10.8149V9.6875H13.3149V10.3125Z" fill="#0157FF"/> </svg></span> <span class="ml-2 text-sm"> In 2023 we secured personal loans or alternative offers for 99% of our users </span> </div> </div> </div> <div class="Drawer md:col-span-3 text-center sm:text-left mt-2 sm:mt-6"> <button data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Table of contents" data-outcome="open drawer" class="Link Link--standalone DrawerItem DrawerItemFooter bg-transparent pl-0 lg:pl-2" data-target="table-of-contents-modal-drawer" type="button"> Table of contents </button> <div id="table-of-contents-modal-drawer" class="Modal ModalDrawer h-full is-closed p-0" x-data role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="table-of-contents-modal-drawer" data-modal="toggle" aria-label="close"></button> <div class="Modal-container ModalDrawer-container" role="document" > <div class="ModalDrawer-scroller p-6 bg-white box-shadow-four rounded-t-lg"> <div class="ModalDrawer-content m-auto"> <div id="h-toc-link" class="DrawerItemContent"> <div class="wysiwyg display-block w-full"> <p><strong>Table of contents</strong></p> <ul> <li><a class="Link" href="#compare" target="_blank" rel="noopener">Compare Bankrate's top picks for debt consolidation loans</a></li> <li><a class="Link" href="#what" target="_blank" rel="noopener">What are debt consolidation loans?</a></li> <li><a class="Link" href="#how-to-compare" target="_blank" rel="noopener">How to compare debt consolidation loan lenders</a></li> <li><a class="Link" href="#how-to-get" target="_blank" rel="noopener">How to get a debt consolidation loan</a></li> <li><a class="Link" href="#alternatives" target="_blank" rel="noopener">Alternatives to personal loans for consolidation</a></li> <li><a class="Link" href="#faq" target="_blank" rel="noopener">FAQs</a></li> <li><a class="Link" href="#methodology" target="_blank" rel="noopener">Methodology</a></li> </ul></div> </div></div> </div> <button class="ModalDrawer-close p-3 w-12 cursor-pointer bg-transparent text-blue md:mr-2 md:mt-2" type="button" data-modal="toggle" data-target="table-of-contents-modal-drawer" aria-label="close"> <svg width="24" height="24" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg></button> </div> </div> <script> addEventListener('load', (_) => { const mymodal = document.getElementById("table-of-contents-modal-drawer"); const container = document.getElementById("modalStack"); container.append(mymodal); window.initModal('table-of-contents-modal-drawer', false); }); </script> <button data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Definition of terms" data-outcome="open drawer" class="Link Link--standalone DrawerItem DrawerItemFooter bg-transparent" data-target="definition-of-terms-modal-drawer" type="button"> Definition of terms </button> <div id="definition-of-terms-modal-drawer" class="Modal ModalDrawer h-full is-closed p-0" x-data role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="definition-of-terms-modal-drawer" data-modal="toggle" aria-label="close"></button> <div class="Modal-container ModalDrawer-container" role="document" > <div class="ModalDrawer-scroller p-6 bg-white box-shadow-four rounded-t-lg"> <div class="ModalDrawer-content m-auto"> <div class="DrawerItemContent"> <div class="wysiwyg display-block w-full"> <p><strong>Definition of terms</strong></p> <p><strong>APR</strong><br />Annual percentage rate, or APR, represents the interest rate plus any additional fees that may impact the annual cost of your loan.</p> <p><strong>Estimated monthly payment</strong><br />How much you can expect to pay on your loan each month based on the loan principal, loan term and interest rate.</p> <p><strong>Term</strong><br />The period of time until your loan achieves maturity and is paid off in completion. Terms can be expressed in months or years, depending on the details of your loan.</p> <p><strong>Total interest and fees</strong><br />Total interest and fees include estimated interest over the life of your loan and origination fees, if applicable.</p> <p><strong>AutoPay</strong><br />Automated payments are recurring monthly charges on a bill's due date that are automatically deducted from the borrower's account. These are normally used for loans, mortgages and other bill payments.</p> <p><strong>Bankrate Score</strong><br />Bankrate's scores for personal loan lenders evaluate 11 data points related to loan costs and terms, as well as customer experience.</p> <p><strong>Max Loan Amount</strong><br />The max loan amount is the largest sum a lender will give. This amount may not be available to borrowers who don't have good or excellent credit.</p> <p><strong>Settlement Fee</strong><br />The estimated range of fees, as a percentage of your total debt amount resolved, that are owed to the debt settlement provider as payment for their services.</p> <p><strong>BBB Rating</strong><br />Represents the Better Business Bureau's opinion of how the business is likely to interact with its customers. The BBB is a non-profit organization which has helped provide unbiased information to consumers for over 100 years. The BBB rating is based on information BBB is able to obtain about the business, including complaints received from the public. 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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2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/lightstream/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6hkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.7/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6hkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">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 sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rahkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Lightstream offers loans up to $100,000, one of the highest maximum amounts of any lender we reviewed. It also has one of the longest repayment terms on the market, up to 84 months.  If you have excellent credit, LightStream also offers among the lowest start rates, which could give you a very low payment if you need to consolidate some debt. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Rahkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>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 before 2:30 ET, Monday through 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>Rate beat program</li><li>Large maximum loan amount</li><li>Long loan terms</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>Requires established credit </li><li>No prequalification option</li><li>No due date flexibility</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rahkm:"><p>*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are .50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 9.99% APR with a term of 3 years would result in 36 monthly payments of $322.62. <span style="color: black;">Truist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.</span></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Upstart: Best for bad credit</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Upstart.png?optimize=medium&format=pjpg&auto=webp" alt="Upstart" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.8 star rating"><div class="RatingStars-iconMask" style="width:96%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.8</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/upstart/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6ikm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.8/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6ikm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.40- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-5 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$1k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">300</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0"></p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Raikm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Many Upstart users on Bankrate use their loans to consolidate debt, and for good reason. Unlike most lenders, Upstart bases eligibility on more than just credit score and income, making it a good option for borrowers who might not qualify otherwise.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Raikm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>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>Be at least 18 years of age</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>Late fee of 5% or up to $15</li><li>Origination fee up to 12%</li><li>$15 returned check 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">As soon as one 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>Flexible requirements</li><li>15-day grace period</li><li>Prequalification offered</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>Higher than average maximum origination fee</li><li>Short loan terms</li><li>Potentially high APR </li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Raikm:"><p>The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved. </p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex items-center relative w-full bg-blue-900 awards-badge-height pl-6"><div class="absolute" style="top:0"><svg xmlns="http://www.w3.org/2000/svg" width="56" height="64" viewBox="0 0 56 64" fill="none"><g clip-path="url(#clip0_8_109)"><path fill-rule="evenodd" clip-rule="evenodd" d="M55.951 26.4528H55.9737V23.4216L55.9748 23.2743H55.9737V3.83808C55.9737 3.0004 56.305 2.22531 56.5747 1.59419C56.9874 0.628574 57.2561 0 55.9737 0H3.02196e-05C-1.28164 0 -1.01313 0.628577 -0.600642 1.5942C-0.331049 2.22532 4.6432e-05 3.00041 4.6432e-05 3.83808V23.2743H-5.42998e-05V39.2947H0.00954092C0.00954092 52.9391 12.5133 63.9999 27.9364 63.9999C43.3595 63.9999 55.8632 52.9391 55.8632 39.2947H55.8548L55.951 26.4528Z" 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39.8985H28.8781H28.8899C32.0601 39.8985 33.4765 37.7036 33.4765 35.6631C33.4765 33.7129 32.17 31.454 28.474 31.454H24.213V39.8985Z" fill="white"></path></g><defs><linearGradient id="paint0_linear_8_109" x1="75.2595" y1="69.9259" x2="-11.5279" y2="-11.0977" gradientUnits="userSpaceOnUse"><stop offset="0.417972" stop-color="#00A896" stop-opacity="0"></stop><stop offset="0.70915" stop-color="#EEDBED" stop-opacity="0.4"></stop><stop offset="0.847378" stop-color="#C79FC5" stop-opacity="0.4"></stop></linearGradient><linearGradient id="paint1_linear_8_109" x1="75.2595" y1="69.9259" x2="-11.5279" y2="-11.0977" gradientUnits="userSpaceOnUse"><stop offset="0.117435" stop-color="#00A896" stop-opacity="0"></stop><stop offset="0.181433" stop-color="#3CA5A4" stop-opacity="0.8"></stop><stop offset="0.199787" stop-color="#C79FC5" stop-opacity="0.3"></stop><stop offset="0.70915" stop-color="#E1B5DF" stop-opacity="0.59"></stop><stop offset="0.882568" stop-color="#C79FC5" stop-opacity="0.4"></stop></linearGradient><linearGradient id="paint2_linear_8_109" x1="75.259" y1="69.9259" x2="-11.5284" y2="-11.0977" gradientUnits="userSpaceOnUse"><stop offset="0.117435" stop-color="#00A896" stop-opacity="0"></stop><stop offset="0.181433" stop-color="#3CA5A4" stop-opacity="0.8"></stop><stop offset="0.224694" stop-color="#DEBCDB"></stop><stop offset="0.654486" stop-color="#C79FC5" stop-opacity="0.3"></stop><stop offset="0.70915" stop-color="#E1B5DF" stop-opacity="0.59"></stop><stop offset="0.882568" stop-color="#C79FC5" stop-opacity="0.4"></stop></linearGradient><clipPath id="clip0_8_109"><rect width="55.9736" height="64" fill="white"></rect></clipPath></defs></svg></div><div class="awards-badge-text my-2"><h2 class="uppercase font-sans leading-3 classy-md:leading-6 text-xs classy-md:text-sm text-white inline heading-letter-spacing">Achieve: BEST FOR MULTIPLE DISCOUNTS</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Achieve Personal Loans.png?optimize=medium&format=pjpg&auto=webp" alt="Achieve" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.7 star rating"><div class="RatingStars-iconMask" style="width:94%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/achieve/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6jkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.7/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6jkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">8.99- 29.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-5 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">620</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rajkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Achieve offers the most impressive array of discounts of Bankrate-reviewed lenders. Discounts are offered for retirement savings, debt consolidation and even for adding an eligible co-borrower. Potential borrowers can apply jointly, which makes it easier for those with fair credit to qualify for a larger loan amount to pay off more debts and potentially improve your scores into the “good” range in the future.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Rajkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Proof of income and employment</li><li>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% to 6.99%</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Within 24 to 72 hours of approval</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Allows co-borrowers</li><li>Fast funding</li><li>Personal loan consultant</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Not available in every state</li><li>Minimum credit score of 620 required</li><li>Origination fee</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rajkm:"><p>“Personal loans available through Achieve.com (NMLS #138464) or Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 35.99% and include applicable origination fees that vary from 1.99% to 6.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49%, and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time.”</p><p><br></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">LendingClub: Best for good credit debt consolidation</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/LendingClub.png?optimize=medium&format=pjpg&auto=webp" alt="LendingClub" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.5 star rating"><div class="RatingStars-iconMask" style="width:90%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.5</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/lending-club/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6kkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.5/5</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_:R6kkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">9.06- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-5 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$1k- $40K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">600</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rakkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>LendingClub's 600 credit score requirement makes it a good match for fair credit borrowers. Only a few of the featured debt consolidation lenders offer loan amounts as low as $1,000, and LendingClub is one of them. You can also increase your approval odds with a co-borrower, which helps you qualify for a higher loan amount or cheaper interest rate for your debt consolidation.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Rakkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>U.S. citizen or have long-term visa</li><li>At least 18 years old</li><li>Verifiable 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>3% to 8% origination fee</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 application available</li><li>Flexible payment date</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>High maximum APR</li><li>Potentially high origination fee</li><li>Limited term options</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rakkm:"><p>Between April 1, 2024 to June 30, 2024, Personal Loans issued by LendingClub Bank were funded within 35 hours after loan approval, on average. 45% of Personal Loans issued by LendingClub Bank during the same period were funded within 24 hours after loan approval. Loan approval, and the time it takes to issue a credit decision, are not guaranteed and individual results vary based on creditworthiness and other factors, including but not limited to investor demand.</p><p><br></p><p>A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $23,354 for a term of 36 months, with an interest rate of 11.49% and a 6.00% origination fee of $1,401 for an APR of 14.24%. In this example, the borrower will receive $21,953 and will make 36 monthly payments of $770. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term lengths may be unavailable in certain states.</p><p><br></p><p>For Personal Loans, APR ranges from 9.06% to 35.99% and origination fee ranges from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2024 and are subject to change without notice.</p><p><br></p><p>Unless otherwise specified, loans are made by LendingClub Bank, N.A., Member FDIC (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of Bankrate and is not responsible for the products and services provided by Bankrate.</p><p><br></p><p>Loans are subject to credit approval and sufficient investor commitment. If a credit union is selected to invest in the loan, credit union membership will be required. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that you request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com.</p><p><br></p><p>“LendingClub” is a trademark of LendingClub Bank.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Happy Money: Best for specialized credit card debt program</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Happy Money.png?optimize=medium&format=pjpg&auto=webp" alt="Happy Money" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.6 star rating"><div class="RatingStars-iconMask" style="width:92%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.6</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/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_:R6lkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.6/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6lkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">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 sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Ralkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Happy Money's loan — the Payoff Loan — is dedicated to consolidating high-interest credit card debt. The lender’s rates are lower than the national average credit card APR, making it a good debt consolidation option. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Ralkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>At least 18 years old</li><li>Valid Social Security number</li><li>Valid checking account</li><li>Not a resident of Iowa, Massachusetts or Nevada</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 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">Same day as 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>Flexible payment date</li><li>Monthly FICO updates</li><li>Few 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>Origination fee </li><li>Low maximum amount</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_:Ralkm:"><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 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 a wide array of secured loan options</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Best Egg.png?optimize=medium&format=pjpg&auto=webp" alt="Best Egg" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.6 star rating"><div class="RatingStars-iconMask" style="width:92%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.6</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/best-egg/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6mkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.6/5</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_:R6mkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">6.99- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-5 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$2k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">600</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Ramkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>While excellent credit borrowers with high income will get the best possible rates, Best Egg still has credit approval standards that make it a good option for fair credit borrowers. Best Egg also offers the most unique secured loan options of the lenders we reviewed, with major rate discounts for the secured home loan option. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Ramkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>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>0.99%-9.99% origination fee</li><li>$15 late fee</li><li>$15 returned payment fee</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Next business day after approval</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Flexible due date</li><li>Direct debt consolidation disbursement</li><li>No prepayment penalty</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 autopay discount </li><li>High maximum APR</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Ramkm:"><p>*Trustpilot TrustScore as of December 2022. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Citi® Personal Loan: Best for quick payoff term</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Citi.png?optimize=medium&format=pjpg&auto=webp" alt="Citi® Personal Loan" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.6 star rating"><div class="RatingStars-iconMask" style="width:92%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.6</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/citi/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6nkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.6/5</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_:R6nkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">11.49- 20.49<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">1-5 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$2k- $30K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">720</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rankm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Citi is the only one of our top picks for debt consolidation lender that offers a one year payoff term. That means you could clear out your debt consolidation loan balance 12 months after paying off your credit cards with it. Existing Citigold or Citi Priority customers will receive a 0.25 percent rate discount, and those who sign up for autopay can also earn a 0.50 percent discount. These reductions, combined with no fees or penalties, make a Citi personal loan ideal for debt consolidation. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Rankm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Social Security number</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">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>Zero fees</li><li>Auto pay discount available</li><li>Quick funding</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Limited loan amounts</li><li>High minimum credit score requirement</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_:Rankm:"><p>Rates as of 8-01-2024. Your APR may be as low as 11.49% or as high as 20.49% for the term of your loan. The lowest rate quoted assumes excellent credit and a loan term of 24 or 36 months. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Citi offers personal loans with a period of repayment between 12 and 60-month terms. For example, if you borrow $10,000 for 36 months at 15.99% APR, to repay your loan you will have to make 36 monthly payments of approximately $351.52.</p><p>There is a 0.5% APR discount if you enroll in automatic payments at loan origination. Additionally, existing Citigold and Citi Priority customers will receive a 0.25% discount to the APR. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.</p><p>To check for offers you may qualify for, Citi conducts a soft credit inquiry. If you are presented with an offer and choose to proceed with the application process, Citi will conduct a hard credit inquiry which may have an impact on your credit score.</p><p>Citi® Personal Loan proceeds cannot be used to pay for post-secondary education expenses or for business purposes. Credit cards issued by Citibank, N.A. or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts. If you are unsure of the issuer on the account, please visit https://www.citi.com/affiliatesproducts for a list of Citi products and affiliates.</p><p>If you are approved for a personal loan with Citi, you can get your funds the same day with a Citi deposit account, or up to 2 business days for a non-Citi account when using direct deposit. Or, you can select to receive a check by mail in approximately 5 business days.</p><p>Terms, conditions, and fees for accounts, products, programs and services are subject to change at any time.</p><p>You must be at least 18 years of age (21 years of age in Puerto Rico). Co-applicants are not permitted.</p><p>If you apply online, you must agree to receive the loan note and all other account disclosures provided with your loan origination in an electronic format and provide your signature electronically.</p><p>Personal loans are made available by Citibank, N.A., Equal Housing lender</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Upgrade: BEST OVERALL DEBT CONSOLIDATION LENDER</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Upgrade.png?optimize=medium&format=pjpg&auto=webp" alt="Upgrade" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.7 star rating"><div class="RatingStars-iconMask" style="width:94%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/upgrade/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6okm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.7/5</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_:R6okm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">9.99- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left">with AutoPay</span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$1k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">580</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Raokm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Upgrade’s loan amount range, credit score minimum and flexible terms make it the best overall debt consolidation lender. It also offers direct payment to creditors, making consolidating debt easier. And Upgrade allows joint borrowers which may allow you to consolidate a bigger amount of revolving debt by qualifying for a larger loan amount. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Raokm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>U.S. citizen or permanent resident</li><li>At least 18 years old</li><li>Valid email address</li><li>Valid bank account</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>1.85% to 9.99% origination fee</li><li>$10 late fee</li><li>$10 returned check fee</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">One business 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>Range of loan amounts</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 maximum origination fee</li><li>Low maximum loan amount</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Raokm:"><p><span style="background-color: transparent; color: rgb(0, 0, 0);">Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 9.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.</span></p><p><br></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Avant: BEST FOR PEOPLE WITH BAD CREDIT</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/avant.png?optimize=medium&format=pjpg&auto=webp" alt="Avant" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.7 star rating"><div class="RatingStars-iconMask" style="width:94%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/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_:R6pkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.7/5</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_:R6pkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">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 sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">Read our review<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">on Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rapkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Avant offers loans to bad-credit borrowers with much lower fees than our other bad-credit winner, Upstart. That means you pocket more money to consolidate debt or pay for emergencies.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Rapkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>An Avant account</li><li>Proof of income</li><li>Pass identity verification</li><li>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>4.75% administration fee</li><li>Late fee</li><li>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>Long 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></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rapkm:"><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 class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Discover: BEST FOR GOOD CREDIT AND NEXT-DAY FUNDING</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Discover.png?optimize=medium&format=pjpg&auto=webp" alt="Discover" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.8 star rating"><div class="RatingStars-iconMask" style="width:96%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.8</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/discover/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R6qkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.8/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R6qkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.99- 24.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$2.5k- $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">660</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">Read our review<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">On Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Raqkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Discover's minimum APR of 7.99 percent is one of the lowest offered among our top debt consolidation loan lenders. Plus, the company offers the option to pay your creditors directly, making the process more convenient and simple. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:Raqkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Minimum income of $25,000</li><li>Minimum income of $25,000</li><li>U.S. citizen or resident</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li> Possible late payment fee</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 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>Option to pay creditors directly</li><li>Low fees</li><li>Prequalification offered</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>Can't be used on a Discover card</li><li>No discounts</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_:Raqkm:">Lowest rates include interest-only repayment discount and a .25% interest rate reduction for automatic payment.</div></div></div></div></div></article></div></div></div></div></div></div></div></main></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"initValues":{"zip":"90210","loanAmount":10000,"creditScore":700,"annualIncome":50000,"loanPurpose":"debt_consolidation","sponsored":false,"sortBy":"rank","page":"/loans/personal-loans/debt-consolidation-loans/"},"initialRates":[{"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","subtext":"Check rate with Bankrate","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":["Requires established credit ","No prequalification option","No due date flexibility"],"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 before 2:30 ET, Monday through Friday"],"perks":["30-day guarantee","Fast approval","Autopay discounts"],"pros":["Rate beat program","Large maximum loan amount","Long loan terms"],"superlative":"LightStream: Best for high-dollar loans and longer repayment terms","expertTake":"\u003cp\u003eLightstream offers loans up to $100,000, one of the highest maximum amounts of any lender we reviewed. It also has one of the longest repayment terms on the market, up to 84 months.\u0026nbsp;\u0026nbsp;If you have excellent credit, LightStream also offers among the lowest start rates, which could give you a very low payment if you need to consolidate some debt.\u0026nbsp;\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":50000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/LightStream.png","name":"LightStream","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e LightStream, a division of Truist, offers loans for practically any occasion, such as medical needs, pre-K-12 education or a family need.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e Loan amounts go up to $100,000, which is good if you have significant expenses. There are no fees and no prepayment penalties, and you get a 0.5 percentage point discount on your interest rate when you sign up for autopay.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e You'll need to prove that you have a few years' worth of credit history with many different account types to qualify. Delinquencies, defaults and late payments could hurt your eligibility chances.\u003c/p\u003e","score":"4.7","url":"https://www.bankrate.com/loans/personal-loans/reviews/lightstream/"},"uuid":"339e1c3f-697c-469e-98ef-be9f725f5551","vertical":"personal"},"marketingDetails":["Lowest rate is for excellent credit only. Rates 6.99% - 25.49% APR w/AutoPay.*","Loans from $5,000 - $100,000","Same-day funding available (conditions apply)","We guarantee your best-funded loan experience ever"],"minimumCreditRequired":{"personal":695},"loanPurpose":"debt_consolidation","monetized":true,"productType":"rate","rank":1,"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":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":["Higher than average maximum origination fee","Short loan terms","Potentially high APR "],"eligibilityRequirements":["Steady income or job offer","Valid email address","Valid Social Security number","Personal bank account"],"feeTypes":["Late fee of 5% or up to $15","Origination fee up to 12%","$15 returned check fee","$10 one-time paper copies fee"],"fundingText":["As soon as one business day"],"perks":["Flexible eligibility criteria","Custom payment dates","Fast funding"],"pros":["Flexible requirements","15-day grace period","Prequalification offered"],"superlative":"Upstart: Best for bad credit","expertTake":"\u003cp\u003eMany Upstart users on Bankrate use their loans to consolidate debt, and for good reason. Unlike most lenders, Upstart bases eligibility on more than just credit score and income, making it a good option for borrowers who might not qualify otherwise.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eHave a valid email address\u003c/li\u003e\u003cli\u003eHave a Social Security number\u003c/li\u003e\u003cli\u003eHave a personal bank account\u003c/li\u003e\u003cli\u003eHave steady income or job offer starting within 6 months\u003c/li\u003e\u003cli\u003eBe at least 18 years of age\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},"id":202,"income":{"min":12000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Upstart.png","name":"Upstart","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e You can borrow as little as $1,000 and as much as $50,000 with an Upstart personal loan. Loans come with three- or five-year terms and APRs from 6.76% to 35.99%\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e You can apply even if you don’t have a long credit history. If you’re relatively new to borrowing money, you might be eligible. Also, there's no prepayment penalty for paying your loan off early.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Co-signers aren't allowed, and Upstart charges an origination fee of up to 8 percent and a late fee that’s the greater of $15 or 5 percent of the payment due.\u003c/p\u003e","score":"4.8","url":"https://www.bankrate.com/loans/personal-loans/reviews/upstart/"},"uuid":"5668de6d-2d23-4dbd-86ba-623347b7559e","vertical":"personal"},"marketingDetails":["Personal loans $1,000 to $50,000","Check your rate online in minutes","Pay loan off any time with no prepayment penalty"],"minimumCreditRequired":{"personal":300},"loanPurpose":"debt_consolidation","monetized":true,"productType":"rate","rank":2,"term":{"min":36,"max":60},"termsAndConditions":"\u003cp\u003eThe full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.\u0026nbsp;\u003c/p\u003e"},{"amount":{"min":5000,"max":50000},"apr":{"fixed":{"min":8.99,"max":29.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://blltrk.com/?a=201\u0026c=1488\u0026unique_indentifer=[CLICK_ID]","subtext":"Check rate with Bankrate","trackingParameter":"unique_indentifer","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=2c535ada-112a-4a42-a5df-3f996ef1ff0b","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=2c535ada-112a-4a42-a5df-3f996ef1ff0b"},"editorial":{"cons":["Not available in every state","Minimum credit score of 620 required","Origination fee"],"eligibilityRequirements":["Proof of income and employment","Social Security number","Proof of identity","Minimum credit score of 620"],"feeTypes":["Origination fee of 1.99% to 6.99%"],"fundingText":["Within 24 to 72 hours of approval"],"perks":["Autopay discount","Retirement asset discount","Co-borrower discount"],"pros":["Allows co-borrowers","Fast funding","Personal loan consultant"],"superlative":"Achieve: BEST FOR MULTIPLE DISCOUNTS","expertTake":"\u003cp\u003eAchieve offers the most impressive array of discounts of Bankrate-reviewed lenders. Discounts are offered for retirement savings, debt consolidation and even for adding an eligible co-borrower. Potential borrowers can apply jointly, which makes it easier for those with fair credit to qualify for a larger loan amount to pay off more debts and potentially improve your scores into the “good” range in the future.\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":40000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Achieve Personal Loans.png","name":"Achieve","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Achieve is an online personal loan provider with same-day loan decisions and funding within 48 hours for loans up to $50,000.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eQuick funding\u003c/li\u003e\u003cli\u003ePay your loan off early\u003c/li\u003e\u003cli\u003eJoint loans\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eHigh minimum loan amount\u003c/li\u003e\u003cli\u003eOrigination fee\u003c/li\u003e\u003c/ul\u003e","score":"4.7","url":"https://www.bankrate.com/loans/personal-loans/reviews/achieve/"},"uuid":"2c535ada-112a-4a42-a5df-3f996ef1ff0b","vertical":"personal"},"marketingDetails":["Borrow $5,000 to $50,000","Rates as low as 8.99% APR - terms apply","No prepayment fees ever","A+ rated from the BBB"],"minimumCreditRequired":{"personal":620},"loanPurpose":"debt_consolidation","monetized":true,"productType":"rate","rank":3,"term":{"min":24,"max":60},"termsAndConditions":"\u003cp\u003e“Personal loans available through Achieve.com (NMLS #138464) or Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 35.99% and include applicable origination fees that vary from 1.99% to 6.99%. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49%, and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time.”\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},{"amount":{"min":1000,"max":40000},"apr":{"fixed":{"min":9.06,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/reviews/lending-club/?LEAD_ID=[CLICK_ID]","subtext":"Check rate with Bankrate","trackingParameter":"LEAD_ID","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=aa25280d-6855-4a62-b661-f32ebea90960","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=aa25280d-6855-4a62-b661-f32ebea90960"},"editorial":{"cons":["High maximum APR","Potentially high origination fee","Limited term options"],"eligibilityRequirements":["U.S. citizen or have long-term visa","At least 18 years old","Not live in Iowa or U.S. territories","Verifiable bank account"],"feeTypes":["3% to 8% origination fee","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 application available","Flexible payment date","Direct debt consolidation disbursement"],"superlative":"LendingClub: Best for good credit debt consolidation","expertTake":"\u003cp\u003eLendingClub's 600 credit score requirement makes it a good match for fair credit borrowers. Only a few of the featured debt consolidation lenders offer loan amounts as low as $1,000, and LendingClub is one of them. You can also increase your approval odds with a co-borrower, which helps you qualify for a higher loan amount or cheaper interest rate for your debt consolidation.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eU.S. citizen or have long-term visa\u003c/li\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eVerifiable bank account\u003c/li\u003e\u003c/ul\u003e"},"id":28,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/LendingClub.png","name":"LendingClub","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e LendingClub's rates range from 8.98 percent to 35.99 percent on loans of $1,000 to $40,000. Terms of three or five years are available.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e There's a 15-day grace period in case you can't pay your loan the day it's due.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Funding takes within 2 days from approval. There's also an origination fee ranging from 3 percent to 8 percent.\u003c/p\u003e","score":"4.5","url":"https://www.bankrate.com/loans/personal-loans/reviews/lending-club/"},"uuid":"aa25280d-6855-4a62-b661-f32ebea90960","vertical":"personal"},"marketingDetails":["We’ve helped over  4 million members start their journey out of debt","Get your cash in as little as 1 business day*","Check your rate with no impact to your credit score*"],"minimumCreditRequired":{"personal":600},"loanPurpose":"debt_consolidation","monetized":true,"productType":"rate","rank":4,"term":{"min":24,"max":60},"termsAndConditions":"\u003cp\u003eBetween April 1, 2024 to June 30, 2024, Personal Loans issued by LendingClub Bank were funded within 35 hours after loan approval, on average. 45% of Personal Loans issued by LendingClub Bank during the same period were funded within 24 hours after loan approval. Loan approval, and the time it takes to issue a credit decision, are not guaranteed and individual results vary based on creditworthiness and other factors, including but not limited to investor demand.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eA representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $23,354 for a term of 36 months, with an interest rate of 11.49% and a 6.00% origination fee of $1,401 for an APR of 14.24%. In this example, the borrower will receive $21,953 and will make 36 monthly payments of $770. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term lengths may be unavailable in certain states.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eFor Personal Loans, APR ranges from 9.06% to 35.99% and origination fee ranges from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2024 and are subject to change without notice.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eUnless otherwise specified, loans are made by LendingClub Bank, N.A., Member FDIC (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of Bankrate and is not responsible for the products and services provided by Bankrate.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eLoans are subject to credit approval and sufficient investor commitment. If a credit union is selected to invest in the loan, credit union membership will be required. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that you request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003e“LendingClub” is a trademark of LendingClub Bank.\u003c/p\u003e"},{"amount":{"min":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]","subtext":"Check rate with Bankrate","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":["Origination fee ","Low maximum amount","No joint applications"],"eligibilityRequirements":["At least 18 years old","Valid Social Security number","Valid checking account"],"feeTypes":["Up to 5.5% origination fee"],"fundingText":["Same day as approval"],"perks":["Lower rates than most credit cards","Long maximum loan term"],"pros":["Flexible payment date","Monthly FICO updates","Few fees"],"superlative":"Happy Money: Best for specialized credit card debt program","expertTake":"\u003cp\u003eHappy Money's loan — the Payoff Loan — is dedicated to consolidating high-interest credit card debt. The lender’s rates are lower than the national average credit card APR, making it a good debt consolidation option.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eValid Social Security number\u003c/li\u003e\u003cli\u003eValid checking account\u003c/li\u003e\u003cli\u003eNot a resident of Iowa, Massachusetts or Nevada\u003c/li\u003e\u003c/ul\u003e"},"id":17,"income":{"min":30000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Happy Money.png","name":"Happy Money","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Happy Money loans are specifically for borrowers who want to pay off high-interest credit card debt. 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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":2000,"max":50000},"apr":{"fixed":{"min":6.99,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://bestegg.com/simplify/?cpid=c9436e\u0026LeadID=[CLICK_ID]","subtext":"Check rate with Bankrate","trackingParameter":"LeadID","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=df56083a-5dd1-46e8-8579-dbc173b1eb43","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=df56083a-5dd1-46e8-8579-dbc173b1eb43"},"editorial":{"cons":["Origination fee","No autopay discount ","High maximum APR"],"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":["0.99%-9.99% origination fee","$15 late fee","$15 returned payment fee"],"fundingText":["Next business day after approval"],"perks":["Next day funding","Low minimum APR","Offers a range of loan uses"],"pros":["Flexible due date","Direct debt consolidation disbursement","No prepayment penalty"],"superlative":"Best Egg: Best for a wide array of secured loan options","expertTake":"\u003cp\u003eWhile excellent credit borrowers with high income will get the best possible rates, Best Egg still has credit approval standards that make it a good option for fair credit borrowers. 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Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank \u0026amp; Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank \u0026amp; Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001.\u0026nbsp;For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. 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TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. 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Unlike other lenders, Citi doesn’t charge any application, origination or late payment fees, and there are no prepayment penalties. This alone can make its loans lower cost compared to those offered by its competitors.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eGood credit borrowers who want fast funding.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eGetting a personal loan can be a quick process if you're an existing customer. There is also a discount for signing up for autopay, and one if you are a Citigold or Citi Priority customer. 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Your APR may be as low as 11.49% or as high as 20.49% for the term of your loan. The lowest rate quoted assumes excellent credit and a loan term of 24 or 36 months. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Citi offers personal loans with a period of repayment between 12 and 60-month terms. For example, if you borrow $10,000 for 36 months at 15.99% APR, to repay your loan you will have to make 36 monthly payments of approximately $351.52.\u003c/p\u003e\u003cp\u003eThere is a 0.5% APR discount if you enroll in automatic payments at loan origination. Additionally, existing Citigold and Citi Priority customers will receive a 0.25% discount to the APR. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.\u003c/p\u003e\u003cp\u003eTo check for offers you may qualify for, Citi conducts a soft credit inquiry. If you are presented with an offer and choose to proceed with the application process, Citi will conduct a hard credit inquiry which may have an impact on your credit score.\u003c/p\u003e\u003cp\u003eCiti® Personal Loan proceeds cannot be used to pay for post-secondary education expenses or for business purposes. Credit cards issued by Citibank, N.A. or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts. If you are unsure of the issuer on the account, please visit https://www.citi.com/affiliatesproducts for a list of Citi products and affiliates.\u003c/p\u003e\u003cp\u003eIf you are approved for a personal loan with Citi, you can get your funds the same day with a Citi deposit account, or up to 2 business days for a non-Citi account when using direct deposit. Or, you can select to receive a check by mail in approximately 5 business days.\u003c/p\u003e\u003cp\u003eTerms, conditions, and fees for accounts, products, programs and services are subject to change at any time.\u003c/p\u003e\u003cp\u003eYou must be at least 18 years of age (21 years of age in Puerto Rico). Co-applicants are not permitted.\u003c/p\u003e\u003cp\u003eIf you apply online, you must agree to receive the loan note and all other account disclosures provided with your loan origination in an electronic format and provide your signature electronically.\u003c/p\u003e\u003cp\u003ePersonal loans are made available by Citibank, N.A., Equal Housing lender\u003c/p\u003e"},{"amount":{"min":1000,"max":50000},"apr":{"fixed":{"min":9.99,"max":35.99},"subtext":"with AutoPay"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.upgrade.com/funnel/nonDMFunnel?utm_source=bankrate\u0026utm_medium=partners_linking\u0026external_identifier=[CLICK_ID]","subtext":"Check rate with Bankrate","trackingParameter":"external_identifier","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=a16650d3-e98b-4849-9db9-b3a93ea91882","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=a16650d3-e98b-4849-9db9-b3a93ea91882"},"editorial":{"cons":["Minimum income not specified","High maximum origination fee","Low maximum loan amount"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eOVERVIEW\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eUpgrade boasts a seamless online experience, customer support seven days a week and flexible borrowing amounts. 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It also offers direct payment to creditors, making consolidating debt easier. And Upgrade allows joint borrowers which may allow you to consolidate a bigger amount of revolving debt by qualifying for a larger loan amount.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eU.S. citizen or permanent resident\u003c/li\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eValid email address\u003c/li\u003e\u003cli\u003eValid bank account\u003c/li\u003e\u003c/ul\u003e"},"id":32,"income":{"min":30000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Upgrade.png","name":"Upgrade","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Upgrade personal loans range from $1,000 to $50,000. 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The lender also does not enforce restrictions, limited to legal uses, on loan proceeds – ideal for those with different types of debt.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eThose with less-than-perfect credit.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eYou don't need perfect credit to get an unsecured personal loan from Avant. Funding is fast too, you may be able to get your loan in as soon as one business day.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eBANKRATE INSIGHTS ON AVANT DEBT CONSOLIDATION BORROWERS\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eBankrate users borrowing from Avant with the loan purpose of consolidating their debt have a funded loan amount average of $10,559.\u003c/li\u003e\u003cli\u003e43.7% of Best Egg borrowers on Bankrate are taking out a loan to consolidate their debt.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e","eligibilityRequirements":["An Avant account","Proof of income","Pass identity verification","Bank account on file"],"feeTypes":["4.75% administration fee","Late fee","Dishonored payment fee"],"fundingText":["As soon as the next business day"],"perks":["Payment assistance options","Flexible qualification","Grace period of 10 days"],"pros":["Long loan terms","Low minimum credit score","Household members' income eligible"],"superlative":"Avant: BEST FOR PEOPLE WITH BAD CREDIT","expertTake":"\u003cp\u003eAvant offers loans to bad-credit borrowers with much lower fees than our other bad-credit winner, Upstart. That means you pocket more money to consolidate debt or pay for emergencies.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eAn Avant account\u003c/li\u003e\u003cli\u003eProof of income\u003c/li\u003e\u003cli\u003ePass identity verification\u003c/li\u003e\u003cli\u003eBank account on file\u003c/li\u003e\u003c/ul\u003e"},"id":22,"income":{"min":14400},"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. 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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":2500,"max":40000},"apr":{"fixed":{"min":7.99,"max":24.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/prequalification?sid=[CLICK_ID]","subtext":"On Bankrate","trackingParameter":"sid","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/","url":"https://www.bankrate.com/loans/personal-loans/prequalification/"},"editorial":{"cons":["Can't be used on a Discover card","No discounts","No joint applications"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eOVERVIEW\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eAlthough most commonly known for credit cards, Discover offers a wide selection of other products, including deposit accounts, student loans and personal loans — including debt consolidation loans. The bank has only one in-person branch, so it's best for those who are comfortable with completing the entire application process online.\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"color: var(--primary-text);\"\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: var(--primary-text);\"\u003eBorrowers who need money quickly.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"color: var(--primary-text);\"\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eDiscover has a number of features that sets it apart from the competition. The most compelling is the 30-day money-back guarantee. If you're able to find a better rate with another lender, you can return the loan without paying anything in penalties or interest.\u003c/p\u003e","eligibilityRequirements":["Minimum income of $25,000","At least 18 years old","U.S. citizen or resident"],"feeTypes":[" Possible late payment fee"],"fundingText":["As soon as next business day"],"perks":["Fast funding","30-day guarantee policy","Flexible repayment terms"],"pros":["Option to pay creditors directly","Low fees","Prequalification offered"],"superlative":"Discover: BEST FOR GOOD CREDIT AND NEXT-DAY FUNDING","expertTake":"\u003cp\u003eDiscover's minimum APR of 7.99 percent is one of the lowest offered among our top debt consolidation loan lenders. Plus, the company offers the option to pay your creditors directly, making the process more convenient and simple.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eMinimum income of $25,000\u003c/li\u003e\u003cli\u003eMinimum income of $25,000\u003c/li\u003e\u003cli\u003eU.S. citizen or resident\u003c/li\u003e\u003c/ul\u003e"},"id":200,"income":{"min":25000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Discover.png","name":"Discover","offerSource":"generic","review":{"score":"4.8","url":"https://www.bankrate.com/loans/personal-loans/reviews/discover/"},"uuid":"0edbbb88-1446-4a81-8445-8d5a4b571fd9","vertical":"personal"},"marketingDetails":["Cover up to 100% of your school-certified costs. Aggregate loan limits apply.","Count on $0 fees, including no application, origination or late fees.","Option to defer payments or make interest-only or $25 fixed monthly payments while in school and during your grace period."],"minimumCreditRequired":{"personal":660},"loanPurpose":"debt_consolidation","monetized":false,"productType":"rate","rank":27,"term":{"min":36,"max":84},"termsAndConditions":"Lowest rates include interest-only repayment discount and a .25% interest rate reduction for automatic 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point in November, which means two things if you want to consolidate debt:<ol><li>Rates on new debt consolidation loans may eventually be headed lower. Check our rate table regularly so you don’t miss out on opportunities for a lower consolidation loan payment. </li><li>The Fed may lower rates even more in the future, giving more opportunities to save. </li></ol>To learn more, check out Bankrate’s latest news on <a href="https://www.bankrate.com/banking/federal-reserve/fomc-meeting-recap-november-2024/"><u>what's happening with the Fed</u></a>.</div> </div> </div> <div id="compare" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>A closer look at our top debt consolidation loan lenders</h2> <p>The following is a closer look at each of our top picks, highlighting the most important aspects of each loan. This includes the lender's loan offerings and how they stand out against other lenders, who each loan is best for and why. When available we also provide unique insights into how Bankrate borrowers use money from our top debt consolidation loan lenders.</p></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>LightStream: Best for high-dollar loans and longer 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/LightStream.png?auto=webp&fit=&width=200&format=pjpg" alt="LightStream" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>LightStream, part of Truist Bank, is an online-only lender specializing in high loan amounts, long terms and low rates for those with good or excellent credit. Most Bankrate users who take out a loan with LightStream have an excellent credit score.</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– $100k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 695</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-bdcd4ba9-6919-4cdb-9385-879a7bc0434d"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with good to excellent credit who need to consolidate large amounts of high-interest debt, but wish to pay it off over a longer period of time could benefit from a LightStream loan. The lender’s rate beat program also gives you an extra perk to ensure you’re getting the lowest rate on your consolidation loan. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with good to excellent credit who need to consolidate large amounts of high-interest debt, but wish to pay it off over a longer period of time could benefit from a LightStream loan. The lender’s rate beat program also gives you an extra perk to ensure you’re getting the lowest rate on your consolidation loan. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012 </li> <li>Available in all 50 states </li> <li>Online application </li> <li>Rate beat program</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Loan experience guarantee</li> <li>Mobile app</li> <li>No fees</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012 </li> <li>Available in all 50 states </li> <li>Online application </li> <li>Rate beat program</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Loan experience guarantee</li> <li>Mobile app</li> <li>No fees</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-lightstream-borrowersspan', 'heading-span-classtext-bankrate-insights-on-lightstream-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on lightstream borrowers " data-position="3" data-text=" Bankrate insights on LightStream borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on LightStream borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LightStream used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-88fc9e2f-94eb-435c-ad2e-73eddd30de29" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LightStream used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">8%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">30%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">26%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">20%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">16%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t524a7a41-db56-4ab1-baca-44bcfe42a24c" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t524a7a41-db56-4ab1-baca-44bcfe42a24c" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-lightstream-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LightStream used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-88fc9e2f-94eb-435c-ad2e-73eddd30de29" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LightStream used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">8%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">30%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">26%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">20%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">16%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t524a7a41-db56-4ab1-baca-44bcfe42a24c" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t524a7a41-db56-4ab1-baca-44bcfe42a24c" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Upstart: Best 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/Upstart.png?auto=webp&fit=&width=200&format=pjpg" alt="Upstart" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.8 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 71%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.8</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Upstart is Bankrate's 2024 award winner for best bad credit personal loan. It offers loans up to $50,000 and applicants can potentially qualify even without having enough credit history to generate a score. </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/upstart/">Read Bankrate's Expert Upstart Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 7.40%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $1k– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 300</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-42318b89-73d4-4f64-9e91-46bba4fe3cb6"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Individuals with a bad credit score who need to consolidate a decent amount of high-interest debt. Its flexible credit requirements also make it ideal for borrowers who haven’t built up a lot of credit history yet. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Individuals with a bad credit score who need to consolidate a decent amount of high-interest debt. Its flexible credit requirements also make it ideal for borrowers who haven’t built up a lot of credit history yet. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012</li> <li>Online application</li> <li>Available in all 50 states</li> <li>Prequalification offered</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>No minimum credit score requirement</li> <li>Next-day funding available</li> <li>No prepayment penalty</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012</li> <li>Online application</li> <li>Available in all 50 states</li> <li>Prequalification offered</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>No minimum credit score requirement</li> <li>Next-day funding available</li> <li>No prepayment penalty</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-upstart-borrowersspan', 'heading-span-classtext-bankrate-insights-on-upstart-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on upstart borrowers " data-position="3" data-text=" Bankrate insights on Upstart borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Upstart borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upstart-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-cd558bae-da88-48dc-98d4-45c22ae6889a" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">6%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">28%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #00143D"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Emergency<span class="display-none">24%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">8%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">13%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">21%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="tefe12dd8-763f-4962-9a7a-700bdfc40849" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="tefe12dd8-763f-4962-9a7a-700bdfc40849" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upstart-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-cd558bae-da88-48dc-98d4-45c22ae6889a" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">6%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">28%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #00143D"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Emergency<span class="display-none">24%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">8%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">13%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">21%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="tefe12dd8-763f-4962-9a7a-700bdfc40849" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="tefe12dd8-763f-4962-9a7a-700bdfc40849" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Achieve: Best for multiple discounts</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Achieve Personal Loans.png?auto=webp&fit=&width=200&format=pjpg" alt="Achieve" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Formerly known as Freedom Plus, Achieve's debt consolidation discount and co-borrower option sets this lender apart as the best consolidation loan.  It also has an impressive array of additional perks not offered by competitors like its co-borrower and retirement savings discounts. Its flexible debt consolidation solutions come in handy if you have at least $5,000 of debt that needs to be financed with a loan. </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– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 620</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-661df508-0e93-498a-ae41-4c7fede35d22"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Individuals who qualify for the various discounts the lender offers to get a better rate and lower payment for their debt consolidation plans. You don’t have to worry about writing checks to your creditors to pay them off directly because Achieve takes care of that for you.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Individuals who qualify for the various discounts the lender offers to get a better rate and lower payment for their debt consolidation plans. You don’t have to worry about writing checks to your creditors to pay them off directly because Achieve takes care of that for you.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2002</li> <li>Online applications</li> <li>Available in 41 states</li> <li>Prequalification offered</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Multiple rate discounts</li> <li>Co-borrowing option</li> <li>Direct payment to creditors</li> <li>7-day-a-week customer service</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2002</li> <li>Online applications</li> <li>Available in 41 states</li> <li>Prequalification offered</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Multiple rate discounts</li> <li>Co-borrowing option</li> <li>Direct payment to creditors</li> <li>7-day-a-week customer service</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-achieve-borrowersspan', 'heading-span-classtext-bankrate-insights-on-achieve-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-achieve-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-achieve-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on achieve borrowers " data-position="3" data-text=" Bankrate insights on Achieve borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Achieve borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-achieve-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-achieve-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-344d9731-29d6-4d4b-bb2f-3a1e231c7754" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">43%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">57%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t3e464fac-c019-425d-900a-a9b7781bb177" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t3e464fac-c019-425d-900a-a9b7781bb177" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-achieve-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-achieve-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-344d9731-29d6-4d4b-bb2f-3a1e231c7754" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Upstart used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">43%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">57%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t3e464fac-c019-425d-900a-a9b7781bb177" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t3e464fac-c019-425d-900a-a9b7781bb177" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>LendingClub: Best for good credit 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/LendingClub.png?auto=webp&fit=&width=200&format=pjpg" alt="LendingClub" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.5</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Headquartered in San Francisco, LendingClub started as a peer-to-peer lender in 2007, but has since transitioned to a loan marketplace. Its minimum loan amount is lower than many other lenders at just $1,000.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/lending-club/">Read Bankrate's Expert LendingClub Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 9.06%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $1k– $40k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-4eb5d04d-f459-44ae-8441-b55b5ed15d4b"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Good credit borrowers who want to consolidate debt can take advantage of co-borrowing flexibility to consolidate more debt are likely to benefit from a LendingClub loan. It can also send payments directly to creditors, which makes it easier to consolidate your debt.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Good credit borrowers who want to consolidate debt can take advantage of co-borrowing flexibility to consolidate more debt are likely to benefit from a LendingClub loan. It can also send payments directly to creditors, which makes it easier to consolidate your debt.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2007</li> <li>Available in all 50 states </li> <li>Online applications</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Low minimum loan amount </li> <li>Referral program</li> <li>15-day grace period </li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2007</li> <li>Available in all 50 states </li> <li>Online applications</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Low minimum loan amount </li> <li>Referral program</li> <li>15-day grace period </li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-lendingclub-borrowersspan', 'heading-span-classtext-bankrate-insights-on-lendingclub-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on lendingclub borrowers " data-position="3" data-text=" Bankrate insights on LendingClub borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on LendingClub borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LendingClub used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-e91fb403-ef0d-4891-a5d4-f12bb030cf2b" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LendingClub used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">27%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">73%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t96acf9d7-10d5-4fdb-80e7-2451b418793d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t96acf9d7-10d5-4fdb-80e7-2451b418793d" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-lendingclub-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LendingClub used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-e91fb403-ef0d-4891-a5d4-f12bb030cf2b" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with LendingClub used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">27%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">73%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t96acf9d7-10d5-4fdb-80e7-2451b418793d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t96acf9d7-10d5-4fdb-80e7-2451b418793d" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Happy Money: Best for specialized credit card debt program</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: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.6</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Happy Money's loan, the Payoff Loan, is made specifically for consolidating credit card debt and features one of the lowest APR maximums on the market. According to a 2022 Happy Money study, borrowers who consolidated at least $5,000 in credit card debt saw an average FICO 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– $40k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 640</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-d6276f41-f89d-4e05-8334-71595719457a"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>People who are looking to consolidate high-interest credit card debt with a specialized program and who don’t qualify for a balance transfer card with a 0 percent APR may benefit from a loan from Happy Money. It is also ideal for customers who plan on taking advantage of the full portfolio of financial benefits and resources that the lender offers.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>People who are looking to consolidate high-interest credit card debt with a specialized program and who don’t qualify for a balance transfer card with a 0 percent APR may benefit from a loan from Happy Money. It is also ideal for customers who plan on taking advantage of the full portfolio of financial benefits and resources that the lender offers.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2009</li> <li>Online application</li> <li>Available in 48 states</li> <li>Partners with federally insured credit unions</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Prequalification offered</li> <li>No late fees </li> <li>Free FICO score updates</li> <li>Direct payment to creditors</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2009</li> <li>Online application</li> <li>Available in 48 states</li> <li>Partners with federally insured credit unions</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Prequalification offered</li> <li>No late fees </li> <li>Free FICO score updates</li> <li>Direct payment to creditors</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-happy-money-borrowersspan', 'heading-span-classtext-bankrate-insights-on-happy-money-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-happy-money-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-happy-money-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on happy money borrowers " data-position="3" data-text=" Bankrate insights on Happy Money borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Happy Money borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-happy-money-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-happy-money-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-happy-money-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-happy-money-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Best Egg: Best for a wide array of secured loan options</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Best Egg.png?auto=webp&fit=&width=200&format=pjpg" alt="Best Egg" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.6</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Best Egg's loans are ideal for consolidation of many types of unsecured debt, from credit cards to medical debt. It has funded over 1.1 million loans since its inception in 2014. </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– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-04ca2248-0d6c-4d70-83d1-c27b65b08c8a"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers who have fair credit and are willing to secure their car or home fixtures may be able to consolidate their debt at a lower rate than unsecured loans offer. Bankrate users who borrow from Best Egg most commonly do so to consolidate debt. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers who have fair credit and are willing to secure their car or home fixtures may be able to consolidate their debt at a lower rate than unsecured loans offer. Bankrate users who borrow from Best Egg most commonly do so to consolidate debt. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2014 </li> <li>Available in 47 states (not including D.C.)</li> <li>Online application </li> <li>Flexible approval model </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Quick application and approval </li> <li>Secured loan option </li> <li>Financial Health program</li> <li>Direct payment to creditors</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2014 </li> <li>Available in 47 states (not including D.C.)</li> <li>Online application </li> <li>Flexible approval model </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Quick application and approval </li> <li>Secured loan option </li> <li>Financial Health program</li> <li>Direct payment to creditors</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan', 'heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on best egg borrowers " data-position="3" data-text=" Bankrate insights on Best Egg borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Best Egg borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Best Egg used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-9399abc3-e46e-4cfe-9870-5018c79d3cec" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Best Egg used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">27%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">73%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="tb45f6a71-dce0-4025-94f9-0d9a8b719e8f" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="tb45f6a71-dce0-4025-94f9-0d9a8b719e8f" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Best Egg used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-9399abc3-e46e-4cfe-9870-5018c79d3cec" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Best Egg used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">27%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">73%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="tb45f6a71-dce0-4025-94f9-0d9a8b719e8f" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="tb45f6a71-dce0-4025-94f9-0d9a8b719e8f" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Citi personal loan: Best for quick payoff term </h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Citi.png?auto=webp&fit=&width=200&format=pjpg" alt="Citi® Personal Loan" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.6</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>New York-based Citi is well known for its extensive banking products. Its personal loans come with zero application, origination, late payment or prepayment fees. This, along with its multiple discounts and a low maximum APR, makes for potentially low-cost loans. But you must have the credit to qualify.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/citi/">Read Bankrate's Expert Citi Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 11.49%–20.49%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $2k– $30k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 720</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-e31fa2fb-627f-4411-b6f8-31a8495ac6f2"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with good credit who want fast funding for consolidation and want to pay their balance off in as little as one year to save on interest. However, existing Citi customers are most likely to reap the full value of the lender's available discounts.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with good credit who want fast funding for consolidation and want to pay their balance off in as little as one year to save on interest. However, existing Citi customers are most likely to reap the full value of the lender's available discounts.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 1812</li> <li>Available in all 50 states </li> <li>In-person, online or phone application</li> <li>Discounts for autopay</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Discounts for specific Citi customers</li> <li>No mandatory fees</li> <li>Same day funding for specific Citi customers</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 1812</li> <li>Available in all 50 states </li> <li>In-person, online or phone application</li> <li>Discounts for autopay</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Discounts for specific Citi customers</li> <li>No mandatory fees</li> <li>Same day funding for specific Citi customers</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-citi-borrowersspan', 'heading-span-classtext-bankrate-insights-on-citi-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-citi-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-citi-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on citi borrowers " data-position="3" data-text=" Bankrate insights on Citi borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Citi borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-citi-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-citi-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-citi-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-citi-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Upgrade: Best overall debt consolidation 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/Upgrade.png?auto=webp&fit=&width=200&format=pjpg" alt="Upgrade" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Upgrade is one of the newer companies on our list, founded in 2016. It isn't the only lender that offers same-day funding, but it also extends this benefit to borrowers with fair credit. Along with these features Upgrade offers a seamless online experience and customer support seven days a week.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/upgrade/">Read Bankrate's Expert Upgrade Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 9.99%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $1k– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 580</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-65e163fa-25a1-4f7e-9386-a618af86fdb0"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with fair credit, or those with a co-borrower who can help them qualify for a lower rate or higher loan amount, who need fast funding will likely benefit most from a loan with Upgrade. Its payment date flexibility, wide range of repayment terms and seven day a week customer service combine to make it the best overall debt consolidation lender Bankrate reviewed.  </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with fair credit, or those with a co-borrower who can help them qualify for a lower rate or higher loan amount, who need fast funding will likely benefit most from a loan with Upgrade. Its payment date flexibility, wide range of repayment terms and seven day a week customer service combine to make it the best overall debt consolidation lender Bankrate reviewed.  </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2016</li> <li>Available in all 50 states </li> <li>Online application </li> <li>No prepayment penalty</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Joint applications</li> <li>Customer service 7 days a week </li> <li>Adjustable payment date</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2016</li> <li>Available in all 50 states </li> <li>Online application </li> <li>No prepayment penalty</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Joint applications</li> <li>Customer service 7 days a week </li> <li>Adjustable payment date</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan', 'heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on upgrade borrowers " data-position="3" data-text=" Bankrate insights on Upgrade borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Upgrade borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Avant: Best for short-term 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/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: 4.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Founded in 2012 and headquartered in Chicago, Avant is one of the few lenders that accept borrowers with a credit score under 600. It's a competitive option for those who have bad credit. </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– $35k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 550</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-a787e164-f72e-474c-8942-694aafa5faf7"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with a low credit score who are looking for a smaller loan. Avant's repayment terms are also flexible, allowing borrowers to pay down their entire loan balance within two years.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with a low credit score who are looking for a smaller loan. Avant's repayment terms are also flexible, allowing borrowers to pay down their entire loan balance within two years.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012 </li> <li>Online application </li> <li>Available in 43 states </li> <li>Convenient mobile app</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Secured loan option </li> <li>No origination fees</li> <li>Servicemember benefits</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012 </li> <li>Online application </li> <li>Available in 43 states </li> <li>Convenient mobile app</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Secured loan option </li> <li>No origination fees</li> <li>Servicemember benefits</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-avant-borrowersspan', 'heading-span-classtext-bankrate-insights-on-avant-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-avant-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-avant-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on avant borrowers " data-position="3" data-text=" Bankrate insights on Avant borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Avant borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-avant-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-avant-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Avant used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-18583395-8e2a-497c-a6be-7049d200725e" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Avant used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">17%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">38%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #00143D"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Emergency<span class="display-none">20%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">5%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">9%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">11%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t975e2bfe-74a7-40b2-9abf-97af2cf91475" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t975e2bfe-74a7-40b2-9abf-97af2cf91475" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-avant-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-avant-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Avant used their funds for.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> <div class="ProprietaryChart__image md:mx-0 w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-18583395-8e2a-497c-a6be-7049d200725e" class="ProprietaryChart-chart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is what borrowers who took out loans with Avant used their funds for.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-6 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #FFDD83"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Credit card refinancing<span class="display-none">17%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #E5665E"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Debt consolidation<span class="display-none">38%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #00143D"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Emergency<span class="display-none">20%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007871"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Home improvement<span class="display-none">5%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #C79FC5"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Major purchase<span class="display-none">9%</span> </span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #0049C0"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Other<span class="display-none">11%</span> </span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t975e2bfe-74a7-40b2-9abf-97af2cf91475" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t975e2bfe-74a7-40b2-9abf-97af2cf91475" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Discover: Best for low rates and 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/Discover.png?auto=webp&fit=&width=200&format=pjpg" alt="Discover" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.8 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 71%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.8</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Discover tested its first credit card in 1985 and has come a long way since. Headquartered in Riverwoods, Illinois, Discover has grown into a company that offers digital banking services well beyond just credit cards — and that product suite includes personal loans. </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/discover/">Read Bankrate's Expert Discover Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 7.99%–24.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $2.5k– $40k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 660</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-a2b90813-7c3e-457d-b92d-d7f8547a5024"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with good credit scores may snag a rate below 8 percent with no mandatory fees. Even if your score isn’t in tip-top shape, your rate will be capped at 24.99 percent at Discover — ten percentage points below what you’ll pay at most debt consolidation lenders.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with good credit scores may snag a rate below 8 percent with no mandatory fees. Even if your score isn’t in tip-top shape, your rate will be capped at 24.99 percent at Discover — ten percentage points below what you’ll pay at most debt consolidation lenders.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$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="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Founded in 1985 </li> <li>Available in 50 states</li> <li>Online and phone application </li> <li>No origination fee</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>No prepayment penalty</li> <li>Quick application and and approval </li> <li>Prequalification available</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Founded in 1985 </li> <li>Available in 50 states</li> <li>Online and phone application </li> <li>No origination fee</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>No prepayment penalty</li> <li>Quick application and and approval </li> <li>Prequalification available</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-discover-borrowersspan', 'heading-span-classtext-bankrate-insights-on-discover-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-discover-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-discover-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on discover borrowers " data-position="3" data-text=" Bankrate insights on Discover borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Discover borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-discover-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-discover-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-discover-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-discover-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end" style="min-width: 300px"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a credit score breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> </div> <div id="what" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>What are debt consolidation loans?</h2> <p>A debt consolidation loan is a type of <a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-an-installment-loan/">installment loan</a> that allows you to pay off several other debts — usually high-interest rate credit cards — with one new loan that has a fixed payment. <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-debt-consolidation-loans-work/">Debt consolidation loans work</a> by replacing variable-rate debts with a single fixed-rate loan, saving you thousands of dollars in interest.</p> <p>The fixed payment schedule of one to seven years gives you a definite pay off date. It also eliminates the temptation to keep paying the minimum credit card payments, which can keep you in debt for decades. </p> <p>The consolidation loan process starts with deciding which debts you want to pay off. Next, you’ll need to qualify based on the lender’s requirements. A high credit score is necessary to get the best rates. </p> <p>The lender will deposit your funds into your bank account or will send the money directly to your creditors. Once the loan is paid out, you'll make payments based on your chosen terms.</p></div> <div class="vertical-spacer pt-" style="width: 100%; content: '';"></div> <div class="Callout display-flex flex-direction-column gap-y-6 border-4 border-solid border-blue-light rounded-lg py-8 px-6 md:px-10 mt-8 mb-16"> <h3 class="type-heading-three my-0 text-crop-none text-blue-mid"> Financial wellness health check </h3> <div class="Callout-content text-black text-left wysiwyg m-0"> A debt consolidation loan can help get you on track to a healthier wallet. One way they can do so is by helping repair low credit scores caused by taking on too much credit card debt. Besides paying on time, your credit utilization ratio has the biggest impact on how high — or low — your score is. However, credit cards often become financial fast food; they’re easy to get and you don’t often see the negative health effects until they’ve done some damage to your wealth health. The key to keeping your score high after a debt consolidation loan is to plan your spending ahead of time. Budgeting is money meal planning, and the more you do it, the sooner you’ll build a financially well future. </div> </div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/personal-finance/debt/types-of-debt-you-can-consolidate/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/" data-name="Learn more link" data-position="middle" data-text="Types of debt you can consolidate" data-outcome="send to page" > Types of debt you can consolidate</a> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h2>Pros and cons of debt consolidation</h2> <p>Weighing the <a class="Link" href="https://www.bankrate.com/personal-finance/debt/pros-and-cons-of-debt-consolidation/">pros and cons of debt consolidation</a> will help you decide if it’s the best move for your finances.</p></div> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1514.2/next/img/svg/circle-check.svg" alt="Green circle with a checkmark inside"> </div> <h3 class="ProsAndConsItem-header"> Pros </h3> </div> <ul class="ProsAndConsItem-list"> <li>Interest rates are fixed and usually lower than credit cards and payday loans.</li> <li>You’ll only have one monthly payment to track instead of several.</li> <li>No collateral is typically required — your car and home are safe.</li> <li>Funding may be available in as little as one business day.</li> <li>Credit scores could improve after credit cards are paid off.</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1514.2/next/img/svg/remove-circle.svg" alt="Red circle with an X inside"> </div> <h3 class="ProsAndConsItem-header"> Cons </h3> </div> <ul class="ProsAndConsItem-list"> <li>Maximum terms are usually limited to seven years which could make payments high.</li> <li>Rates may be higher for borrowers with bad credit.</li> <li>Funds can’t be reused as they’re paid off like credit cards.</li> <li>Origination fees may be as high as 12 percent.</li> <li>Can become a stopgap for poor spending if you keep reusing credit cards.</li> </ul> </div> </div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <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 insights: When is the best time to get a debt consolidation loan? </h3> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full"> <p>There are three times when a debt consolidation typically makes the most sense. The first is when you want to pay off credit card debts to reduce how much interest you pay and improve your credit scores. The second is if you want to simplify your bill-paying strategy by combining credit cards, medical bills and other debt into one payment with a set payoff date. Finally, a debt consolidation loan could help you pay your debt off faster if you can afford the high payment that comes with a one or two year term.</p> <p>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a> | Bankrate Senior Loans Writer</p></div> </div> </div> </div> </div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <div class="wysiwyg display-inline"> <h2>Calculate what you could save by consolidating</h2> <p>To use the debt consolidation calculator, enter your outstanding debts and current interest rates. After receiving your estimated terms and monthly payment structure, adjust the details to find the most ideal consolidation loan for your budget.</p></div> <div class="calculator"> <div id="calculator" class="dcc-calculator"></div></div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> </div> <div id="how-to-compare" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>How the Federal Reserve impacts debt consolidation loan rates </h2> <p>The Fed rate is the rate at which banks can lend to each other, which means it has some connection to the rates lenders offer for different loan types, including debt consolidation loans. Although they aren’t directly affected by the rise and fall of Fed rate decisions, a series of several rate cuts over time may lead to lower personal loan rates. </p> <p>In fact, the Federal Reserve has cut rates twice in 2024 — a welcome change from the 11 rate hikes that preceded the cuts. The first was a surprisingly large half-percent cut at the September meeting. The second quarter-point cut occurred after the November meeting.  </p> <p>This bodes well for consumers looking for lower rates on debt consolidation loans. A lower rate gives you a lower payment and reduces the amount of interest you pay over the loan’s term. </p></div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></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/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&optimize=high" srcset="https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&fit=crop&width=475&height=270 475w, https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&fit=crop&width=400&height=220 400w, https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&fit=crop&width=310&height=180 310w, https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&fit=crop&width=230&height=150 230w, https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.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/personal-loan-rates-forecast/" class="text-black pos-absolute w-full h-full" aria-label="Personal Loan Interest Rate Forecast For 2024" 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"> Personal Loan Interest Rate Forecast For 2024 </h3> <div class="BannerCard-copy type-body-one text-slate"> <p>Average personal loan interest rates hover around 12 percent in early 2024.</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-8 " style="width: 100%; content: '';"></div> </div> <div id="how-to-get" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How to get a debt consolidation loan </h2> <p>Whether you have bad credit or excellent credit, the steps for getting a debt consolidation loan are the same. However, you will have an easier time <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-do-you-qualify-for-a-debt-consolidation-loan/">qualifying for a debt consolidation loan</a> with a higher credit score.</p></div> <ul class="Accordion w-full" data-cy="accordion-a1190a8b-d9e1-47c9-b9c2-054a83511884"> <li x-id="['panel-span-classtext-1-add-up-the-balances-of-all-the-debts-you-want-to-combinespan', 'heading-span-classtext-1-add-up-the-balances-of-all-the-debts-you-want-to-combinespan']" 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-1-add-up-the-balances-of-all-the-debts-you-want-to-combinespan')" :aria-controls="$id('panel-span-classtext-1-add-up-the-balances-of-all-the-debts-you-want-to-combinespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" 1. add up the balances of all the debts you want to combine " data-position="1" data-text=" 1. Add up the balances of all the debts you want to combine " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> 1. Add up the balances of all the debts you want to combine</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-1-add-up-the-balances-of-all-the-debts-you-want-to-combinespan')" :labelledBy="$id('heading-span-classtext-1-add-up-the-balances-of-all-the-debts-you-want-to-combinespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Check your current statements for the most accurate figures, and add a few extra hundred for interest that will accrue while you’re waiting for your debt consolidation loan to fund. It’s easier to reduce your loan amount then increase it once you’re approved. </p> <p>Use a <a class="Link" href="https://www.bankrate.com/personal-finance/debt/debt-consolidation-calculator/">debt consolidation calculator</a> for a rough look at how much you could save, and what your new payment will look like. Also check the loan amount ranges each lender offers to make sure you borrow as much — or as little — as you need to accomplish your debt consolidation plans. </p> <p>Most debt consolidation lenders offer <a class="Link" href="https://www.bankrate.com/loans/loan-repayment-calculator/">repayment terms</a> ranging between one and seven years. A longer term gives you the lowest payment, but at a higher rate. You’ll typically get a lower rate for a shorter term. Although a shorter term will save you a bundle in interest, your monthly payment will be larger.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-1-add-up-the-balances-of-all-the-debts-you-want-to-combinespan')" :labelledBy="$id('heading-span-classtext-1-add-up-the-balances-of-all-the-debts-you-want-to-combinespan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Check your current statements for the most accurate figures, and add a few extra hundred for interest that will accrue while you’re waiting for your debt consolidation loan to fund. It’s easier to reduce your loan amount then increase it once you’re approved. </p> <p>Use a <a class="Link" href="https://www.bankrate.com/personal-finance/debt/debt-consolidation-calculator/">debt consolidation calculator</a> for a rough look at how much you could save, and what your new payment will look like. Also check the loan amount ranges each lender offers to make sure you borrow as much — or as little — as you need to accomplish your debt consolidation plans. </p> <p>Most debt consolidation lenders offer <a class="Link" href="https://www.bankrate.com/loans/loan-repayment-calculator/">repayment terms</a> ranging between one and seven years. A longer term gives you the lowest payment, but at a higher rate. You’ll typically get a lower rate for a shorter term. Although a shorter term will save you a bundle in interest, your monthly payment will be larger.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-2-check-your-credit-scores-and-the-lenders-requirementsspan', 'heading-span-classtext-2-check-your-credit-scores-and-the-lenders-requirementsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-2-check-your-credit-scores-and-the-lenders-requirementsspan')" :aria-controls="$id('panel-span-classtext-2-check-your-credit-scores-and-the-lenders-requirementsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" 2. check your credit scores and the lender’s requirements " data-position="2" data-text=" 2. Check your credit scores and the lender’s requirements " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> 2. Check your credit scores and the lender’s requirements</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-2-check-your-credit-scores-and-the-lenders-requirementsspan')" :labelledBy="$id('heading-span-classtext-2-check-your-credit-scores-and-the-lenders-requirementsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The lowest advertised debt consolidation APRs go to the borrowers with the highest credit scores. That doesn’t mean you won’t benefit from a debt consolidation loan with bad credit. It only means you may need to <a class="Link" href="https://www.bankrate.com/loans/personal-loans/refinance-personal-loan/">refinance your debt consolidation loan</a> to save more money as your credit scores improve.</p> <p>Lenders consider your credit score, income and <a class="Link" href="https://www.bankrate.com/personal-finance/debt/how-to-calculate-debt-to-income-ratio/">debt-to-income ratio</a> — among other factors — when assessing loan applications. Some specialize in <a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans-with-bad-credit/">bad credit debt consolidation loans</a> but typically have higher rates and fees, while excellent credit lenders tend to offer low rates for high credit scores.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-2-check-your-credit-scores-and-the-lenders-requirementsspan')" :labelledBy="$id('heading-span-classtext-2-check-your-credit-scores-and-the-lenders-requirementsspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The lowest advertised debt consolidation APRs go to the borrowers with the highest credit scores. That doesn’t mean you won’t benefit from a debt consolidation loan with bad credit. It only means you may need to <a class="Link" href="https://www.bankrate.com/loans/personal-loans/refinance-personal-loan/">refinance your debt consolidation loan</a> to save more money as your credit scores improve.</p> <p>Lenders consider your credit score, income and <a class="Link" href="https://www.bankrate.com/personal-finance/debt/how-to-calculate-debt-to-income-ratio/">debt-to-income ratio</a> — among other factors — when assessing loan applications. Some specialize in <a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans-with-bad-credit/">bad credit debt consolidation loans</a> but typically have higher rates and fees, while excellent credit lenders tend to offer low rates for high credit scores.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-3-compare-loan-options-by-prequalifying-with-several-lendersspan', 'heading-span-classtext-3-compare-loan-options-by-prequalifying-with-several-lendersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-3-compare-loan-options-by-prequalifying-with-several-lendersspan')" :aria-controls="$id('panel-span-classtext-3-compare-loan-options-by-prequalifying-with-several-lendersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" 3. compare loan options by prequalifying with several lenders " data-position="3" data-text=" 3. Compare loan options by prequalifying with several lenders " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> 3. Compare loan options by prequalifying with several lenders</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-3-compare-loan-options-by-prequalifying-with-several-lendersspan')" :labelledBy="$id('heading-span-classtext-3-compare-loan-options-by-prequalifying-with-several-lendersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Most debt consolidation lenders offer a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/steps-to-prequalify-for-personal-loan/">prequalification option</a>, which allows you to get a ballpark of the terms and APRs you may be eligible for without hurting your credit score. Review the APRs, terms and fees to decide which option is right for you.</p> <p>Different lenders advertise different annual percentage rates. The <a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-the-apr-on-a-personal-loan/">APR</a> is the annual cost expressed as a percentage. It combines the interest rate and any fees. The lowest advertised rate is never guaranteed and your actual rate depends on your credit. </p> <p>While some lenders do not charge any additional fees, be on the lookout for late fees, <a class="Link" href="https://www.bankrate.com/loans/personal-loans/personal-loan-origination-fees/">origination fees</a> and prepayment penalties. Factor these in when calculating how much money you need to borrow. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-3-compare-loan-options-by-prequalifying-with-several-lendersspan')" :labelledBy="$id('heading-span-classtext-3-compare-loan-options-by-prequalifying-with-several-lendersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Most debt consolidation lenders offer a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/steps-to-prequalify-for-personal-loan/">prequalification option</a>, which allows you to get a ballpark of the terms and APRs you may be eligible for without hurting your credit score. Review the APRs, terms and fees to decide which option is right for you.</p> <p>Different lenders advertise different annual percentage rates. The <a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-the-apr-on-a-personal-loan/">APR</a> is the annual cost expressed as a percentage. It combines the interest rate and any fees. The lowest advertised rate is never guaranteed and your actual rate depends on your credit. </p> <p>While some lenders do not charge any additional fees, be on the lookout for late fees, <a class="Link" href="https://www.bankrate.com/loans/personal-loans/personal-loan-origination-fees/">origination fees</a> and prepayment penalties. Factor these in when calculating how much money you need to borrow. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-4-apply-with-the-debt-consolidation-lender-you-choosespan', 'heading-span-classtext-4-apply-with-the-debt-consolidation-lender-you-choosespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-4-apply-with-the-debt-consolidation-lender-you-choosespan')" :aria-controls="$id('panel-span-classtext-4-apply-with-the-debt-consolidation-lender-you-choosespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" 4. apply with the debt consolidation lender you choose " data-position="4" data-text=" 4. Apply with the debt consolidation lender you choose " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> 4. Apply with the debt consolidation lender you choose</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-4-apply-with-the-debt-consolidation-lender-you-choosespan')" :labelledBy="$id('heading-span-classtext-4-apply-with-the-debt-consolidation-lender-you-choosespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Unless you do business in person at your local bank or credit union, you’ll apply for your loan online. The lender will collect information like your pay stubs, previous employment contacts and last few years of address history. Your credit will be pulled to confirm your credit score and look at how much other debt you carry. </p> <p>If your credit score is lower than you estimated or you have too much debt compared to your income, the lender could reduce your loan amount, increase your rate or both. If you cannot get approved, you may want to consider <a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-options/">other ways to consolidate debt</a>.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-4-apply-with-the-debt-consolidation-lender-you-choosespan')" :labelledBy="$id('heading-span-classtext-4-apply-with-the-debt-consolidation-lender-you-choosespan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Unless you do business in person at your local bank or credit union, you’ll apply for your loan online. The lender will collect information like your pay stubs, previous employment contacts and last few years of address history. Your credit will be pulled to confirm your credit score and look at how much other debt you carry. </p> <p>If your credit score is lower than you estimated or you have too much debt compared to your income, the lender could reduce your loan amount, increase your rate or both. If you cannot get approved, you may want to consider <a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-options/">other ways to consolidate debt</a>.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-5-finalize-your-papers-get-your-funds-and-pay-off-your-debtsspan', 'heading-span-classtext-5-finalize-your-papers-get-your-funds-and-pay-off-your-debtsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-5-finalize-your-papers-get-your-funds-and-pay-off-your-debtsspan')" :aria-controls="$id('panel-span-classtext-5-finalize-your-papers-get-your-funds-and-pay-off-your-debtsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" 5. finalize your papers, get your funds and pay off your debts " data-position="5" data-text=" 5. Finalize your papers, get your funds and pay off your debts " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> 5. Finalize your papers, get your funds and pay off your debts</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-5-finalize-your-papers-get-your-funds-and-pay-off-your-debtsspan')" :labelledBy="$id('heading-span-classtext-5-finalize-your-papers-get-your-funds-and-pay-off-your-debtsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Once your approval is completed, provide any <a class="Link" href="https://www.bankrate.com/loans/personal-loans/documents-required-for-personal-loan/">additional documents the lender requests</a>. Some debt consolidation lenders pay your creditors directly, while others give you the funds to pay them on your own. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-5-finalize-your-papers-get-your-funds-and-pay-off-your-debtsspan')" :labelledBy="$id('heading-span-classtext-5-finalize-your-papers-get-your-funds-and-pay-off-your-debtsspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Once your approval is completed, provide any <a class="Link" href="https://www.bankrate.com/loans/personal-loans/documents-required-for-personal-loan/">additional documents the lender requests</a>. Some debt consolidation lenders pay your creditors directly, while others give you the funds to pay them on your own. </p></div> </div> </div> </noscript> </li> </ul> <div class="wysiwyg display-block w-full"> <h3>How does credit score impact consolidation loan rates?</h3> <p>The <a class="Link" href="https://www.bankrate.com/loans/personal-loans/average-personal-loan-rates/">average personal loan rate</a> ranges from almost 11 percent to 32 percent, with the lowest rates going to borrowers with credit scores between 720 and 850. If you’re not in a rush to consolidate your credit, try to spruce up your score by avoiding any new credit inquiries or paying down your credit card balances.  </p> <p>Use the table below to understand how much you could save based on your credit score.</p></div> <div x-data="table({ containerId: 'eaa90bec-6bcc-4fd8-871e-ca6d974e039e', tableId: 'table-eaa90bec-6bcc-4fd8-871e-ca6d974e039e', buttonId: 'button-eaa90bec-6bcc-4fd8-871e-ca6d974e039e', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="eaa90bec-6bcc-4fd8-871e-ca6d974e039e" class="table-container" tabindex="0"> <table id="table-eaa90bec-6bcc-4fd8-871e-ca6d974e039e" class="Table table-content auto-rows-width Table--stripedOdd"> <thead> <tr> <th class="text-left"> Credit score</th> <th class="text-right"> Average loan interest rate</th> </tr> </thead> <tbody> <tr id="e119e19d-0977-4c2d-bcfe-cf6ebcabd704" class=""> <td data-col="1" class="text-left"> 720-850</td> <td data-col="2" class="text-right"> 10.73%-12.50% </td> </tr> <tr id="878437a0-81ae-4b14-8dde-fb67db6578bf" class=""> <td data-col="1" class="text-left"> 690-719 </td> <td data-col="2" class="text-right"> 13.50%-15.50% </td> </tr> <tr id="e9263a00-e1d6-4889-a158-25d481bfa135" class=""> <td data-col="1" class="text-left"> 630-689 </td> <td data-col="2" class="text-right"> 17.80%-19.90% </td> </tr> <tr id="7cb23570-d95d-4d39-9a17-9fdddfd07e3f" class=""> <td data-col="1" class="text-left"> 300-629 </td> <td data-col="2" class="text-right"> 28.50%-32.00% </td> </tr> </tbody> </table> <table id="header-fixed-eaa90bec-6bcc-4fd8-871e-ca6d974e039e" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> <div class="wysiwyg display-block w-full"> <h3>Debt consolidation vs. debt relief</h3> <p><a class="Link" href="https://www.bankrate.com/loans/debt-consolidation/debt-consolidation-vs-debt-settlement/#debt-consolidation">Debt consolidation and debt relief</a> can accomplish the same basic goal of helping you manage out-of-control debt, but each has very different impacts on your future creditworthiness.</p> <p>With credit card consolidation, in particular, you combine the balance on several other debts into one new loan and monthly payment. The funds from the new loan are used to pay off all of your card balances, leaving you with a single fixed payment over a repayment term you choose. The potential benefit is a big jump in your credit score since your credit utilization ratio is a major factor in how high or low your score is.  </p> <p>Debt relief is any action taken to lessen your debt in some way, and can include debt consolidation. Often <a class="Link" href="https://www.bankrate.com/personal-finance/debt/what-is-debt-settlement/">debt settlement</a> — negotiating with creditors to pay less than you owe and “settle” the debt — is the type of debt relief that companies focus on. Debt relief companies typically charge a fee to help you. An added drawback: Your credit score could drop significantly since you typically have to default on your payments to qualify.   </p> <p>Here’s a brief overview of when to choose one over the other:</p></div> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <h4>When debt consolidation makes sense</h4> <ul> <li>You have a lot of credit card debt to pay off.</li> <li>You’re disciplined not to reuse the credit.</li> <li>You can get a lower rate than you’re paying on the debt you want to pay off.</li> <li>You want to improve your score for future borrowing (like a mortgage).</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <h4>When debt relief makes sense</h4> <ul> <li>You can’t qualify for debt consolidation.</li> <li>You can’t afford payments on debt you owe due to a sudden loss of income or unexpected expense.</li> <li>You don’t plan to borrow money in the future.</li> </ul></div> </div> </div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h4 class="mt-0 mb-4 max-w text-center sm:text-left"> Bankrate tip </h4> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full"> <p data-pm-slice="1 1 []">As your credit scores improve, you may be targeted with many new credit card offers. If you don’t resist the temptation to open new revolving credit card accounts, you could end up in a cycle of debt that’s difficult to get out of.</p></div> </div> </div> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> </div> <div id="alternatives" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Alternatives to personal loans for debt consolidation </h2> <p>If you’re not convinced a personal loan is the right fit, you may want to consider the pros and cons of debt consolidation alternatives. You may be able to <a class="Link" href="https://www.bankrate.com/personal-finance/debt/where-to-get-debt-relief-help/">find help with debt relief</a> in a few forms, including other financing options and methods that don't involve taking out a loan.</p> <h3>Other options that involve borrowing</h3> <p>Balance transfer cards, home equity loans, home equity lines of credit and peer-to-peer loans may be better debt consolidation options for you. It depends on how much debt you have, your credit scores, and how quickly you’d like to pay off the balances. </p></div> <div class="ProductTileList"> <a class="ProductTile" href="https://www.bankrate.com/credit-cards/balance-transfer/best-balance-transfer-cards/" > <div class="ProductTile-wrapper"> <div class="ProductTile-content"> <p class="ProductTile-header">Balance transfer credit card</p> <p class="ProductTile-supportText">Balance transfer cards are credit cards that come with introductory 0 percent APR periods between 15 to 21 months. As long as you repay your entire balance by the time the period is over, they can be a great way to avoid paying any interest charges.</p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" 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></div> </div> </a> <a class="ProductTile" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/" > <div class="ProductTile-wrapper"> <div class="ProductTile-content"> <p class="ProductTile-header">Home equity loan</p> <p class="ProductTile-supportText">Home equity loans function like debt consolidation loans with terms as long as 30 months. While this can result in lower monthly payments, you also run the risk of foreclosure should you default on the loan since it’s backed by your home’s equity</p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" 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></div> </div> </a> <a class="ProductTile" href="https://www.bankrate.com/home-equity/heloc-rates/" > <div class="ProductTile-wrapper"> <div class="ProductTile-content"> <p class="ProductTile-header">Home equity line of credit (HELOC)</p> <p class="ProductTile-supportText">Like home equity loans, HELOCs use your home's equity as collateral, but function more like a credit card, with minimum payment options available, and even interest-only features during the draw period.</p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" 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></div> </div> </a> <a class="ProductTile" href="https://www.bankrate.com/loans/personal-loans/peer-to-peer-lending-vs-bank-loan/" > <div class="ProductTile-wrapper"> <div class="ProductTile-content"> <p class="ProductTile-header">Peer-to-peer loan</p> <p class="ProductTile-supportText">Instead of borrowing from a traditional lender or bank, peer-to-peer lending involves borrowing from several investors. These loans tend to come with lower credit requirements than debt consolidation loans, with some allowing scores as low as 600. </p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" 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></div> </div> </a></div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h3>Ways to consolidate debt without a new loan</h3> <p>The ultimate goal of any debt consolidation strategy is to be debt free. If you don’t qualify for debt consolidation loans, you may want to consider <a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loan-alternatives/">other strategies for paying off debt</a>. </p></div> <ul class="Accordion w-full" data-cy="accordion-88f904db-22c8-45b0-b00d-4392cad39366"> <li x-id="['panel-span-classtext-debt-management-planspan', 'heading-span-classtext-debt-management-planspan']" 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-management-planspan')" :aria-controls="$id('panel-span-classtext-debt-management-planspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" debt management plan " data-position="1" data-text=" Debt management plan " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Debt management plan</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-debt-management-planspan')" :labelledBy="$id('heading-span-classtext-debt-management-planspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p><a class="Link" href="https://www.bankrate.com/personal-finance/debt/what-is-debt-management/">Debt management plans</a> aren't loans, but they can help you reduce your unsecured debt load. You can create a debt management plan yourself or seek help through a credit counseling agency.  If necessary, your credit counselor may negotiate your debts with your creditors for you, sometimes for a fee. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-debt-management-planspan')" :labelledBy="$id('heading-span-classtext-debt-management-planspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p><a class="Link" href="https://www.bankrate.com/personal-finance/debt/what-is-debt-management/">Debt management plans</a> aren't loans, but they can help you reduce your unsecured debt load. You can create a debt management plan yourself or seek help through a credit counseling agency.  If necessary, your credit counselor may negotiate your debts with your creditors for you, sometimes for a fee. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-the-debt-snowball-methodspan', 'heading-span-classtext-the-debt-snowball-methodspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-the-debt-snowball-methodspan')" :aria-controls="$id('panel-span-classtext-the-debt-snowball-methodspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" the debt snowball method " data-position="2" data-text=" The debt snowball method " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> The debt snowball method</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-the-debt-snowball-methodspan')" :labelledBy="$id('heading-span-classtext-the-debt-snowball-methodspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>With the <a class="Link" href="https://www.bankrate.com/personal-finance/debt/how-to-stick-to-debt-payoff-plan/">debt snowball method</a>, you pay off credit accounts starting with the smallest balances first while making minimum payments on everything else. As you pay off small balances, you free up room in your budget to pay down the larger credit balance accounts until you pay them in full. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-the-debt-snowball-methodspan')" :labelledBy="$id('heading-span-classtext-the-debt-snowball-methodspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>With the <a class="Link" href="https://www.bankrate.com/personal-finance/debt/how-to-stick-to-debt-payoff-plan/">debt snowball method</a>, you pay off credit accounts starting with the smallest balances first while making minimum payments on everything else. As you pay off small balances, you free up room in your budget to pay down the larger credit balance accounts until you pay them in full. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-the-debt-avalanche-methodspan', 'heading-span-classtext-the-debt-avalanche-methodspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-the-debt-avalanche-methodspan')" :aria-controls="$id('panel-span-classtext-the-debt-avalanche-methodspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" the debt avalanche method " data-position="3" data-text=" The debt avalanche method " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> The debt avalanche method</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-the-debt-avalanche-methodspan')" :labelledBy="$id('heading-span-classtext-the-debt-avalanche-methodspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The debt avalanche method focuses on paying off your highest-interest debts first while making minimum payments on everything else. Although it may take longer to pay your debt in full, you’ll pay less in interest by hacking away at cards with higher interest rates first. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-the-debt-avalanche-methodspan')" :labelledBy="$id('heading-span-classtext-the-debt-avalanche-methodspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The debt avalanche method focuses on paying off your highest-interest debts first while making minimum payments on everything else. Although it may take longer to pay your debt in full, you’ll pay less in interest by hacking away at cards with higher interest rates first. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-chapter-13-bankruptcyspan', 'heading-span-classtext-chapter-13-bankruptcyspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-chapter-13-bankruptcyspan')" :aria-controls="$id('panel-span-classtext-chapter-13-bankruptcyspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" chapter 13 bankruptcy " data-position="4" data-text=" Chapter 13 bankruptcy " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Chapter 13 bankruptcy</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-chapter-13-bankruptcyspan')" :labelledBy="$id('heading-span-classtext-chapter-13-bankruptcyspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>If you can’t manage your current debt loan but have income and still want to keep some assets, you may need the help of an attorney to file a <a class="Link" href="https://www.bankrate.com/personal-finance/debt/chapter-13/">Chapter 13 bankruptcy</a>. Once a judge approves the proposal for repaying your creditors over time, you’ll typically make the payment for three to five years before the bankruptcy is discharged. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-chapter-13-bankruptcyspan')" :labelledBy="$id('heading-span-classtext-chapter-13-bankruptcyspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>If you can’t manage your current debt loan but have income and still want to keep some assets, you may need the help of an attorney to file a <a class="Link" href="https://www.bankrate.com/personal-finance/debt/chapter-13/">Chapter 13 bankruptcy</a>. Once a judge approves the proposal for repaying your creditors over time, you’ll typically make the payment for three to five years before the bankruptcy is discharged. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-chapter-7-bankruptcyspan', 'heading-span-classtext-chapter-7-bankruptcyspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-chapter-7-bankruptcyspan')" :aria-controls="$id('panel-span-classtext-chapter-7-bankruptcyspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" chapter 7 bankruptcy " data-position="5" data-text=" Chapter 7 bankruptcy " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Chapter 7 bankruptcy</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-chapter-7-bankruptcyspan')" :labelledBy="$id('heading-span-classtext-chapter-7-bankruptcyspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>If your financial situation is dire and you don’t have the means to pay your debt, a Chapter 7 <a class="Link" href="https://www.bankrate.com/personal-finance/debt/most-common-types-of-bankruptcy/">bankruptcy</a> may be your only option. Consumers with income less than their state’s median income may qualify for this relatively quick bankruptcy option, which discharges most types of debt. However, you may end up losing assets like a home or car if you include loans you took out to purchase them in your bankruptcy. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-chapter-7-bankruptcyspan')" :labelledBy="$id('heading-span-classtext-chapter-7-bankruptcyspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>If your financial situation is dire and you don’t have the means to pay your debt, a Chapter 7 <a class="Link" href="https://www.bankrate.com/personal-finance/debt/most-common-types-of-bankruptcy/">bankruptcy</a> may be your only option. Consumers with income less than their state’s median income may qualify for this relatively quick bankruptcy option, which discharges most types of debt. However, you may end up losing assets like a home or car if you include loans you took out to purchase them in your bankruptcy. </p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="AskTheExperts border-grey border-1 rounded-lg bg-gray-light gap-4 p-8" x-data="{ author_id_active: '1130' }"> <h3 class="type-heading-three w-full mb-4"> Ask the experts: Is a personal loan better than a balance transfer credit card for debt consolidation?</h3> <ul class="AskTheExperts-panel -m-2" role="list"> <li class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-1" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '1130'" role="button" aria-label="Author name Mark Kantrowitz"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Mark Kantrowitz</p> </button> </li> <li class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-2" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '1486'" role="button" aria-label="Author name Denny Ceizyk"> <img srcset="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Denny Ceizyk</p> </button> </li> </ul> <hr class="w-full border-grey border-1 mx-0 my-2"> <div class="AskTheExperts-details" role="tabpanel"> <div x-show="author_id_active == '1130'" 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/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Mark Kantrowitz</p> <p class="text-slate m-0">Nationally recognized student financial aid expert</p> </div> </a> <div class="w-full mt-4 border-grey border-1 rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> The interest rate on a personal loan may be lower than on a balance transfer credit card. However, balance transfer credit cards may offer a teaser rate, even a 0% interest rate, that is good for a few months. When the introductory interest rate expires, you have to pay a much higher interest rate. Balance transfer credit cards may offer more flexible payments, so long as you pay at least the minimum payment, which may be higher than on a personal loan. But, check whether the personal loan allows prepayment without penalty.</p> </div> </div> </div> <div x-show="author_id_active == '1486'" 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/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Denny Ceizyk</p> <p class="text-slate m-0">Senior writer, Loans</p> </div> </a> <div class="w-full mt-4 border-grey border-1 rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> The main debt consolidation advantage of a personal loan versus a balance transfer credit card is that it replaces revolving debt with installment debt with a definite payoff date. Consumer credit card use hit an all time high in 2023, and personal loans offer a way to combine those debts into one payment. And the Fed’s surprisingly large rate cut in September may make personal loans even more affordable in the future. Balance transfer cards are a good choice for borrowers who are very disciplined with their credit use, and can take advantage of teaser rates as low as 0 percent. However, once the introductory period is over, the transfer credit card rate can rise.</p> </div> </div> </div> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> </div> <div id="faq" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>FAQs about debt consolidation loans</h2></div> <ul class="Accordion w-full" data-cy="accordion-d8979218-9cbd-4264-ab17-04834b78a23d"> <li x-id="['panel-how-does-debt-consolidation-affect-my-monthly-payments', 'heading-how-does-debt-consolidation-affect-my-monthly-payments']" 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-does-debt-consolidation-affect-my-monthly-payments')" :aria-controls="$id('panel-how-does-debt-consolidation-affect-my-monthly-payments')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" is it hard to get a debt consolidation loan? " data-position="1" data-text=" Is it hard to get a debt consolidation loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Is it hard to get a debt consolidation loan? </span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-does-debt-consolidation-affect-my-monthly-payments')" :labelledBy="$id('heading-how-does-debt-consolidation-affect-my-monthly-payments')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>If you have a regular income, a stable income history and a good credit score, it’s relatively easy to get a debt consolidation loan. If you’re not good at managing financial paperwork, find a lender that pays each creditor for you. They’ll coordinate with the various creditors to ensure they are paid in full, saving you time and hassle. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-does-debt-consolidation-affect-my-monthly-payments')" :labelledBy="$id('heading-how-does-debt-consolidation-affect-my-monthly-payments')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>If you have a regular income, a stable income history and a good credit score, it’s relatively easy to get a debt consolidation loan. If you’re not good at managing financial paperwork, find a lender that pays each creditor for you. They’ll coordinate with the various creditors to ensure they are paid in full, saving you time and hassle. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-will-a-debt-consolidation-loan-hurt-my-credit-score', 'heading-will-a-debt-consolidation-loan-hurt-my-credit-score']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-will-a-debt-consolidation-loan-hurt-my-credit-score')" :aria-controls="$id('panel-will-a-debt-consolidation-loan-hurt-my-credit-score')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" what credit score do you need to get a debt consolidation loan? " data-position="2" data-text=" What credit score do you need to get a debt consolidation loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What credit score do you need to get a debt consolidation loan? </span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-will-a-debt-consolidation-loan-hurt-my-credit-score')" :labelledBy="$id('heading-will-a-debt-consolidation-loan-hurt-my-credit-score')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You generally need a minimum score of 580 to get a debt consolidation loan. Rates may be above 30 percent, so make sure you can afford the payment before you finalize any paperwork. An excellent credit score (above 720) usually results in a rate two to three times lower than a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/bad-credit-loans/">bad credit loan rate</a>. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-will-a-debt-consolidation-loan-hurt-my-credit-score')" :labelledBy="$id('heading-will-a-debt-consolidation-loan-hurt-my-credit-score')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You generally need a minimum score of 580 to get a debt consolidation loan. Rates may be above 30 percent, so make sure you can afford the payment before you finalize any paperwork. An excellent credit score (above 720) usually results in a rate two to three times lower than a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/bad-credit-loans/">bad credit loan rate</a>. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-how-does-debt-consolidation-affect-my-monthly-payments', 'heading-how-does-debt-consolidation-affect-my-monthly-payments']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-does-debt-consolidation-affect-my-monthly-payments')" :aria-controls="$id('panel-how-does-debt-consolidation-affect-my-monthly-payments')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" how does debt consolidation affect my monthly payments? " data-position="3" data-text=" How does debt consolidation affect my monthly payments? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How does debt consolidation affect my monthly payments?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-does-debt-consolidation-affect-my-monthly-payments')" :labelledBy="$id('heading-how-does-debt-consolidation-affect-my-monthly-payments')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>If you have multiple types of debt, you’re probably keeping track of several due dates and amounts due. With debt consolidation, you only need to track one monthly payment since your loan funds pay off all of the other debts. You'll know how much your bill will be each month based on the repayment terms you choose when you’re approved for the loan.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-does-debt-consolidation-affect-my-monthly-payments')" :labelledBy="$id('heading-how-does-debt-consolidation-affect-my-monthly-payments')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>If you have multiple types of debt, you’re probably keeping track of several due dates and amounts due. With debt consolidation, you only need to track one monthly payment since your loan funds pay off all of the other debts. You'll know how much your bill will be each month based on the repayment terms you choose when you’re approved for the loan.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-will-debt-consolidation-loan-hurt-my-credit-score', 'heading-will-debt-consolidation-loan-hurt-my-credit-score']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-will-debt-consolidation-loan-hurt-my-credit-score')" :aria-controls="$id('panel-will-debt-consolidation-loan-hurt-my-credit-score')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" will a debt consolidation loan hurt my credit score? " data-position="4" data-text=" Will a debt consolidation loan hurt my credit score? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Will a debt consolidation loan hurt my credit score?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-will-debt-consolidation-loan-hurt-my-credit-score')" :labelledBy="$id('heading-will-debt-consolidation-loan-hurt-my-credit-score')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Applying for a debt consolidation loan may <a class="Link" href="https://www.bankrate.com/personal-finance/credit/debt-consolidation-hurt-credit-rating/">temporarily lower</a> your credit score, because the lender will have to do a hard credit check before your application can be approved. However, if you make your monthly loan payments on time and don't rack up card balances again, a credit card consolidation loan can improve your credit score.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-will-debt-consolidation-loan-hurt-my-credit-score')" :labelledBy="$id('heading-will-debt-consolidation-loan-hurt-my-credit-score')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Applying for a debt consolidation loan may <a class="Link" href="https://www.bankrate.com/personal-finance/credit/debt-consolidation-hurt-credit-rating/">temporarily lower</a> your credit score, because the lender will have to do a hard credit check before your application can be approved. However, if you make your monthly loan payments on time and don't rack up card balances again, a credit card consolidation loan can improve your credit score.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-is-debt-consolidation-tax-deductible', 'heading-is-debt-consolidation-tax-deductible']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-is-debt-consolidation-tax-deductible')" :aria-controls="$id('panel-is-debt-consolidation-tax-deductible')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" is a debt consolidation tax deductible? " data-position="5" data-text=" Is a debt consolidation tax deductible? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Is a debt consolidation tax deductible?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-is-debt-consolidation-tax-deductible')" :labelledBy="$id('heading-is-debt-consolidation-tax-deductible')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Interest from a debt consolidation loan isn’t tax-deductible, even if it’s secured by your home. Changes to the tax law in 2017 only allows for the mortgage interest deduction if you borrow against your home equity for improvements or repairs.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-is-debt-consolidation-tax-deductible')" :labelledBy="$id('heading-is-debt-consolidation-tax-deductible')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Interest from a debt consolidation loan isn’t tax-deductible, even if it’s secured by your home. Changes to the tax law in 2017 only allows for the mortgage interest deduction if you borrow against your home equity for improvements or repairs.</p></div> </div> </div> </noscript> </li> </ul> <button id="back-to-top" class="BackToTop" type="button" > <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Up Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M5.31 11.21c-.19-.2-.29-.45-.29-.71H5c0-.25.09-.5.29-.7l6-6.01c.19-.18.44-.29.71-.29.27 0 .52.1.71.29l6 6.01a.996.996 0 1 1-1.41 1.41L13 6.91V19.5c0 .55-.45 1-1 1s-1-.45-1-1V6.92l-4.28 4.29a.996.996 0 0 1-1.41 0Z" class="icon-base"/></svg></button> </div> <div id="methodology" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How we chose the best debt consolidation 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 debt consolidation loans industry expertise </h3> </div> <div class="SimpleLink"> <a class="Link Link--standalone text-base" href="https://www.bankrate.com/loans/personal-loans/lender-review-methodology/" > Read our full methodology</a> </div></div> <hr class="border-gray-light border-solid border-b-2 m-0 p-0" aria-hidden="true"> <div class="display-flex flex-direction-column gap-y-6 mx-6 mt-4 mb-6"> <p class="m-0 p-0 text-slate"> </p> <div class="MethodologyDetails-categories display-flex p-4 sm:py-4 sm:px-16 justify-content-space-between align-items-flex-start align-content-flex-start gap-x-2 gap-y-8 align-self-stretch flex-wrap sm:flex-nowrap"> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">48</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">years in business</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">30</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">lenders reviewed</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">20</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">loan features weighed</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">665</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">data points collected</p> </div> </div> </div> </div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <p>To select the best personal loans for debt consolidation, Bankrate’s team of experts evaluated over 30 lenders. Each lender was ranked using a meticulous 20-point system, focusing on <a class="Link" href="https://www.bankrate.com/loans/personal-loans/lender-review-methodology/">four main categories</a>:</p></div> <ul class="Accordion w-full" data-cy="accordion-8474a7fe-d37c-4a6a-b189-5b3724691d61"> <li x-id="['panel-affordability', 'heading-affordability']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-affordability')" :aria-controls="$id('panel-affordability')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" affordability " data-position="1" data-text=" Affordability " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Affordability</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-affordability')" :labelledBy="$id('heading-affordability')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The interest rates, penalties and fees are measured in this section of the score. Lower rates and fees and fewer potential penalties result in a higher score. We also give bonus points to lenders offering rate discounts, grace periods and that allow borrowers to change their due date. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-affordability')" :labelledBy="$id('heading-affordability')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The interest rates, penalties and fees are measured in this section of the score. Lower rates and fees and fewer potential penalties result in a higher score. We also give bonus points to lenders offering rate discounts, grace periods and that allow borrowers to change their due date. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-availability', 'heading-availability']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-availability')" :aria-controls="$id('panel-availability')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" availability " data-position="2" data-text=" Availability " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Availability</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-availability')" :labelledBy="$id('heading-availability')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Minimum loan amounts, number of repayment terms, eligibility requirements, ability to apply using a co-borrower or co-signer and loan turnaround time are considered in this category.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-availability')" :labelledBy="$id('heading-availability')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Minimum loan amounts, number of repayment terms, eligibility requirements, ability to apply using a co-borrower or co-signer and loan turnaround time are considered in this category.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-customer-experience', 'heading-customer-experience']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-customer-experience')" :aria-controls="$id('panel-customer-experience')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" customer experience " data-position="3" data-text=" Customer experience " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Customer experience</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-customer-experience')" :labelledBy="$id('heading-customer-experience')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>This category covers customer service hours, if online applications are available, online account access and mobile apps.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-customer-experience')" :labelledBy="$id('heading-customer-experience')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>This category covers customer service hours, if online applications are available, online account access and mobile apps.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-transparency', 'heading-transparency']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-transparency')" :aria-controls="$id('panel-transparency')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" transparency " data-position="4" data-text=" Transparency " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Transparency</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-transparency')" :labelledBy="$id('heading-transparency')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>For this factor, we consider how well information is presented to the borrower on the lender’s website. This includes listing credit requirements, rates and fees, in addition to offering prequalification.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-transparency')" :labelledBy="$id('heading-transparency')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>For this factor, we consider how well information is presented to the borrower on the lender’s website. This includes listing credit requirements, rates and fees, in addition to offering prequalification.</p></div> </div> </div> </noscript> </li> </ul> </div></div> </div> </div> </div> </div> </main> </div> <footer data-swiftype-index="false"class="global-footer"> <div class="global-footer__container"> <h2 class="global-footer__logo-container"> <a href="https://www.bankrate.com/"> <span class="global-footer__logo-text">Bankrate logo</span> <svg width="120" height="24" width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.19v-7.44h9.91v52.81zm.19-26.31c0-10.29-7.44-18.85-18.41-18.85-9.91 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.58 18.58 0 0 0 18.41-18.62z"/> <path d="m155.19 78.16v-28.78c0-11.16-4.38-16.4-13.16-16.4s-13.92 6.39-13.92 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res([]); } else { // loop through the keys of the result object for (const key in result) { result[key].ruleName = key; result[key].ruleSetId = ruleSetCustomId; } res(Object.values(result)); } } ); }); } const assets = await getMonarchRuleSet(ruleSetId); /** * Helper that transforms Monarch assets into a dictionary * to be used by the Wealth Rate Table application. */ const formatDictionary = (assets) => { return assets.reduce((acc, curr) => { // handles wealth assets if (curr.metadata) { const parsedMetadata = JSON.parse(curr.metadata); acc[parsedMetadata._featureName] = parsedMetadata; } // handles JO assets if (curr.assetPlacements?.length) { curr.assetPlacements.forEach((assetPlacement) => { if (assetPlacement.asset.metadata) { const parsedMetadata = JSON.parse(assetPlacement.asset .metadata); acc[parsedMetadata._featureName] = parsedMetadata; } }); } return acc; }, {}); } const formatWealthAssets = (assets) => { // Containing object to deliver processed assets to rate table let assetDictionary = {}; // Handles assets if they are deployed via multiple rules const multipleRules = Object.values(assets); // If multiple rules are detected if (multipleRules.length) { const formattedAssets = formatDictionary(multipleRules); assetDictionary = { ...assetDictionary, ...formattedAssets }; } // If single rule with one or many assets if (assets.length) { const formattedAssets = formatDictionary(assets); assetDictionary = { ...assetDictionary, ...formattedAssets }; } return assetDictionary; }; if (assets.length === 0) { return; } // Checks if we're on a page that contains the Wealth Rate Table if (typeof window.setMonarchAssets === 'function') { // Invokes method that will trigger a Wealth Rate Table state update window.setMonarchAssets(formatWealthAssets(assets)); } if (!window.jo) { // Initialize jo object on the window window.jo = {}; // Store Monarch assets within jo object window.jo.monarchAssets = []; // Create a method to push Monarch assets to monarchAssets array window.jo.storeMonarchMetadata = function storeMonarchMetadata(asset) { window.jo.monarchAssets.push(asset); 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</script> <script type="module"> const data = {"lender_name":"Upstart","Credit card refinancing":6,"Debt consolidation":28,"Emergency":24,"Home improvement":8,"Major purchase":13,"Other":21}; Highcharts.chart('ProprietaryChart-cd558bae-da88-48dc-98d4-45c22ae6889a', { chart: { type: 'pie', }, credits: { enabled: false }, title: { text: '', }, plotOptions: { pie: { shadow: false, size: '280px', borderWidth: 0, dataLabels: { enabled: true, // Enable data labels formatter: function() { if (this.y == 0) { return ''; } return this.y + '%'; }, distance: -50, style: { fontSize: '1.2em', textOutline: 'none', fontWeight: 'bold', fontColor: 'black', }, } }, series: { enableMouseTracking: true, }, }, tooltip: { enabled: true, // Enable tooltip on hover formatter: function() { return '<b>' + this.point.name + '</b>: ' + this.y + '%'; }, }, legend: { enabled: true, }, series: [{ data: [ { color: "#FFDD83", y: 6, name: "Credit card refinancing", // Add name for the tooltip }, { color: "#E5665E", y: 28, name: "Debt consolidation", // Add name for the tooltip }, { color: "#00143D", y: 24, name: "Emergency", // Add name for the tooltip }, { color: "#007871", y: 8, name: "Home improvement", // Add name for the tooltip }, { color: "#C79FC5", y: 13, name: "Major purchase", // Add name for the tooltip }, { color: "#0049C0", y: 21, name: "Other", // Add name for the tooltip } ], }], }); 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</script> <script type="module"> const data = {"lender_name":"LendingClub","Credit card refinancing":27,"Debt consolidation":73,"Emergency":0,"Home improvement":0,"Major purchase":0,"Other":0}; Highcharts.chart('ProprietaryChart-e91fb403-ef0d-4891-a5d4-f12bb030cf2b', { chart: { type: 'pie', }, credits: { enabled: false }, title: { text: '', }, plotOptions: { pie: { shadow: false, size: '280px', borderWidth: 0, dataLabels: { enabled: true, // Enable data labels formatter: function() { if (this.y == 0) { return ''; } return this.y + '%'; }, distance: -50, style: { fontSize: '1.2em', textOutline: 'none', fontWeight: 'bold', fontColor: 'black', }, } }, series: { enableMouseTracking: true, }, }, tooltip: { enabled: true, // Enable tooltip on hover formatter: function() { return '<b>' + this.point.name + '</b>: ' + this.y + '%'; }, }, legend: { enabled: true, }, series: [{ data: [ { color: "#FFDD83", y: 27, name: "Credit card refinancing", // Add name for the tooltip }, { color: "#E5665E", y: 73, name: "Debt consolidation", // Add name for the tooltip }, { color: "#00143D", y: 0, name: "Emergency", // Add name for the tooltip }, { color: "#007871", y: 0, name: "Home improvement", // Add name for the tooltip }, { color: "#C79FC5", y: 0, name: "Major purchase", // Add name for the tooltip }, { color: "#0049C0", y: 0, name: "Other", // Add name for the tooltip } ], }], }); </script> <script type="module"> const data = {"lender_name":"LendingClub","Credit card refinancing":27,"Debt consolidation":73,"Emergency":0,"Home improvement":0,"Major purchase":0,"Other":0}; Highcharts.chart('ProprietaryChart-9399abc3-e46e-4cfe-9870-5018c79d3cec', { chart: { type: 'pie', }, credits: { enabled: false }, title: { text: '', }, plotOptions: { pie: { shadow: false, size: '280px', borderWidth: 0, dataLabels: { enabled: true, // Enable data labels formatter: function() { if (this.y == 0) { return ''; } return this.y + '%'; }, distance: -50, style: { fontSize: '1.2em', textOutline: 'none', fontWeight: 'bold', fontColor: 'black', }, } }, series: { enableMouseTracking: true, }, }, tooltip: { enabled: true, // Enable tooltip on hover formatter: function() { return '<b>' + this.point.name + '</b>: ' + this.y + '%'; }, }, legend: { enabled: true, }, series: [{ data: [ { color: "#FFDD83", y: 27, name: "Credit card refinancing", // Add name for the tooltip }, { color: "#E5665E", y: 73, name: "Debt consolidation", // Add name for the tooltip }, { color: "#00143D", y: 0, name: "Emergency", // Add name for the tooltip }, { color: "#007871", y: 0, name: "Home improvement", // Add name for the tooltip }, { color: "#C79FC5", y: 0, name: "Major purchase", // Add name for the tooltip }, { color: "#0049C0", y: 0, name: "Other", // Add name for the tooltip } ], }], }); </script> <script type="module"> const data = {"lender_name":"Avant","Credit card refinancing":17,"Debt consolidation":38,"Emergency":20,"Home improvement":5,"Major purchase":9,"Other":11}; Highcharts.chart('ProprietaryChart-18583395-8e2a-497c-a6be-7049d200725e', { chart: { type: 'pie', }, credits: { enabled: false }, title: { text: '', }, plotOptions: { pie: { shadow: false, size: '280px', borderWidth: 0, dataLabels: { enabled: true, // Enable data labels formatter: function() { if (this.y == 0) { return ''; } return this.y + '%'; }, distance: -50, style: { fontSize: '1.2em', textOutline: 'none', fontWeight: 'bold', fontColor: 'black', }, } }, series: { enableMouseTracking: true, }, }, tooltip: { enabled: true, // Enable tooltip on hover formatter: function() { return '<b>' + this.point.name + '</b>: ' + this.y + '%'; }, }, legend: { enabled: true, }, series: [{ data: [ { color: "#FFDD83", y: 17, name: "Credit card refinancing", // Add name for the tooltip }, { color: "#E5665E", y: 38, name: "Debt consolidation", // Add name for the tooltip }, { color: "#00143D", y: 20, name: "Emergency", // Add name for the tooltip }, { color: "#007871", y: 5, name: "Home improvement", // Add name for the tooltip }, { color: "#C79FC5", y: 9, name: "Major purchase", // Add name for the tooltip }, { color: "#0049C0", y: 11, name: "Other", // Add name for the tooltip } ], }], }); 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