Debt Consolidation Loans in November 2024

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Other options for consolidating debt include a <a href=\"https://www.businessinsider.com/personal-finance/mortgages/what-is-a-home-equity-loan\" data-analytics-product-module=\"body_link\" rel=\"\">home equity loan</a>, a <a href=\"https://www.businessinsider.com/personal-finance/mortgages/heloc-pros-and-cons\" data-analytics-product-module=\"body_link\" rel=\"\">home equity line of credit</a> (HELOC), and a <a href=\"https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards\" data-analytics-product-module=\"body_link\" rel=\"\">balance transfer credit card</a>.</p>"},{"question":"Is debt consolidation a good idea?","answer":"<p class=\"faq-answer\">When you take out a debt consolidation loan, the funds are used to pay down the debts you have with multiple lenders, leaving you with a single monthly payment to make. It does not erase your debt, and you might end up paying more over the long term even if you end up paying less each month on the consolidation loan.</p>"},{"question":"Do debt consolidation loans hurt your credit score?","answer":"<p class=\"faq-answer\">Debt consolidation loans don't necessarily hurt your credit score. In fact, your credit will often be boosted in the long run if you consolidate your debt because it can reduce the amount you owe and lower monthly minimum payments, which all affect your credit score. With a debt consolidation loan, you can benefit from a lower interest rate.</p>"},{"question":"Is it hard to get a debt consolidation loan?","answer":"<p class=\"faq-answer\">Getting a debt consolidation loan is as easy or difficult as it would be getting any kind of personal loan. It depends on your person</p>"},{"question":"Can any personal loan be used for debt consolidation?","answer":"<p class=\"faq-answer\">Most personal loans allow a variety of uses. 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"%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans"},"editor":{"@type":"Person","name":"Libby Kane, CFEI"},"author":[{"@type":"Person","name":"Sarah Silbert","sameAs":"https://www.businessinsider.com/author/sarah-silbert"},{"@type":"Person","name":"Ryan Wangman, CEPF","sameAs":"https://www.businessinsider.com/author/ryan-wangman"},{"@type":"Person","name":"Elias Shaya","sameAs":"https://www.businessinsider.com/author/elias-shaya"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Debt Consolidation Loans in November 2024","alternativeHeadline":"Debt Consolidation Loans in 2024: Finding the Best Personal Loan for Debt Consolidation","image":{"@type":"ImageObject","url":"https://i.insider.com/5f344a5a58c24d71a1735105?width=1200&format=jpeg","width":1200,"height":900},"name":"Debt Consolidation Loans in 2024: Finding the Best Personal Loan for Debt Consolidation","datePublished":"2024-10-30T16:11:08Z","dateModified":"2024-10-30T16:11:08Z","description":"Discover the best debt consolidation loans for 2024. Compare interest rates, fees, and terms to simplify your debt and save on interest.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate personal loans to write unbiased product reviews.Debt consolidation is when you take out one loan and use it to pay off other debts that you have, leaving you with one monthly payment and interest rate. This can help you manage your debt more efficiently, and, in some cases, reduce the total amount of interest you'll pay if the new loan's APR is lower.Generally, you'll need a personal loan for debt consolidation, which means replacing multiple loans with a single loan instead. Business Insider's personal finance experts chose the best personal loans for consolidating debt, and we highlight their features below.Compare Personal Loan RatesThe BBB measures businesses based on factors like their responsiveness to customer complaints, honesty in advertising, and transparency about business practices.We've compared each institution's Better Business Bureau score to give you another piece of information to choose your lender. Whether you're considering a $5,000 loan or a $10,000 loan, a trustworthy lender can improve your loan experience.Here is each company's score:With the exception of Wells Fargo, our top picks are rated A or higher by the BBB. Keep in mind that a high BBB score does not guarantee a positive relationship with a lender, and that you should continue to do research and talk to others who have used the company to get the most complete information possible. Wells Fargo is currently rated an F by the BBB due to government actions against the business and a failure to respond to 14 complaints. Most recently, the Consumer Financial Protection Bureau in December 2022 ordered Wells Fargo to return $2 billion to customers and pay a $1.7 billion penalty for legal violations involving auto loans, mortgages, and deposit accounts. The bank illegally charged fees and interest penalties on auto and mortgage loans. Additionally, it misapplied payments to those loans for many customers. If you're uncomfortable with this history, you may want to use one of the other personal loan lenders on our list.The main benefits of consolidating debt are streamlining your debts into a single account with one monthly payment and reducing the total amount of interest you'll owe.When shopping for a debt consolidation loan, look for an APR that is lower than the average you're paying on the debt you want to consolidate. If you can't qualify for a lower rate, a debt consolidation loan might not be a good choice for you.Also consider the loan amounts, associated fees and penalties, as well as a lender's credit score minimum and other eligibility requirements when choosing a debt consolidation loan.Business Insider's personal finance team works to help smart people make the best decisions with their money. We understand that \"best\" is often subjective, so in addition to highlighting the clear benefits of a financial product, we outline the limitations and drawbacks, tooQualifying for a debt consolidation loan is the same as it is for most other kinds of personal loans. Generally, lenders require a credit score in the mid-600s, although some will accept borrowers with lower scores. Remember, though, that with a lower credit score, you'll pay a higher interest rate.In addition to checking your credit score, debt consolidation companies will also need proof of your employment and ability to repay in order to determine eligibility. They will also check your debt-to-income ratio to make sure you haven't borrowed more than you can feasibly pay back.Most lenders will allow you to prequalify for a loan, which allows you to compare interest rates and terms without affecting your credit score. After you've gotten prequalified with several lenders, compare their offers and choose the one that best suits your needs. To complete the full loan application process you'll need a significant amount of documentation, including things like: Get these basics in order before applying for the loan, in order to speed up the process. You can apply for most loans by filling out a form online.If you are approved, the lender will send you the final loan documents to sign off on. These include all the details such as the interest rate, the amount of time you have to pay it off, the amount you're borrowing, the monthly payments, and any fees. Make sure you fully understand all of it before signing for the loan.If you're looking for a debt consolidation loan because your credit cards carry high APRs, it's worth your time to consider some alternatives.One often underutilized strategy is to simply ask your credit card company for a lower rate. There's no guarantee that they'll agree. However, they may well do so, especially if you've been diligent about payments. You can also ask about upgrading your credit card, which may come with a lower APR and other perks. You may also be able to get a lower rate by transferring your balances to a different credit card. Cards designed for this purpose often come with an introductory 0% APR period that can last anywhere from 12-18 months. Remember that you'll need to pay off your balance before the intro period ends to avoid being hit with high interest rates.Tackling your debt head-on using strategies such as the avalanche and snowball methods is another alternative.We consulted loan and financial planning experts to inform these picks and give their insights into finding the best loans for your needs. You can read their advice at the bottom of this post.Andre Jean-Pierre:\"One of the most important factors to consider in a personal loan is the interest rate. Because personal loans are typically unsecured, they usually carry higher interest rates than secured lending options. However, if a person has a strong credit profile, a personal loan can carry a lower APR than other unsecured sources of financing such as credit cards.\"Forrest McCall:\"One of the best ways to use a personal loan is to pay off other high-interest debts like credit card debts. Because you can often lock in lower rates than a revolving line of credit like a credit card it can be a smart decision for your finances and save you thousands in interest payments over time.\"Fred Winchar:\"Whether or not to take a personal loan depends on if one can afford it. The purpose of the loan and the value that comes with it is of importance to note. In most cases, it is beneficial to use the loan to invest in a project that can bring extra income or savings.\"Ryan Wangman: \"Borrowers should carefully consider alternatives to personal loans before taking one out. Personal loans can come with high interest rates, especially for borrowers with poor credit. If you can't fit those monthly payments into your budget, steer clear of the loan.\"To find the best personal loans for debt consolidation, we combed through the fine print and terms of about a dozen personal loans to find the ones that were best suited to help with consolidating debt. We considered four main features: See our ratings methodology for personal loans »The best debt consolidation loans help you work toward paying off debt by bundling multiple debts into one account, and they're generally only a good idea if you can get a lower interest rate than your various debts carry. We looked at lenders that are best for fast cash, a variety of credit scores, and for high debt balances to come up with our list of top picks.Lightstream is a highly regarded lender for many loan types, and has been a top pick across Business Insider's coverage of the best personal loans and best auto loans. However, this lender only works with borrowers with good or better credit, with a minimum credit score requirement of 660. LightStream offers consistently low personal loan interest rates, though its minimum interest rate for debt consolidation is higher than its typical personal loan's interest rates. However, this lender does not have any prepayment or origination fees. Same-day funding is available with LightStream. Watch out for: Maximum loan amount limits. Only borrowers with excellent credit can borrow the $100,000 maximum, and anyone without excellent credit may not qualify for the full amount.LightStream defines excellent credit as an account with five or more years of credit history, stable and sufficient income for debts, and a variety of credit history with little or no credit card debt. If you're looking for a debt consolidation loan, chances are you have a significant amount of debt, and may not fit these qualifications.Additionally, LightStream doesn't have a way to pre-qualify online. You'll have to apply for the loan to find out exactly what your rates and terms could look like, which could make comparison shopping difficult. LightStream Personal Loan ReviewUpgrade is great for fast cash because it allows you to get your money within one business day after your loan is reviewed and approved. You're also able to get a loan for as little as $1,000, which is less than many of the other competitors on our list. It could be a good choice if you only have a small amount of debt you need to consolidate.What to watch out for: Origination and late fees. Your origination fee will be late fee of up to $10 if you don't make a full payment within 15 days of your due date.Upgrade Personal Loan ReviewA SoFi personal loan is the best option for anyone with a high balance, as this lender makes debt consolidation loans of $5,000 to $100,000. Debt consolidation loans from this lender are comparable in rates to those offered by LightStream, but SoFi® offers higher loan limits to all applicants, whereas LightStream only allows some borrowers to borrow up to $100,000. Similarly, SoFi doesn't have any application or prepayment fees as well as doesn't require an origination fee. Watch out for: Stringent requirements. SoFi personal loans have a minimum credit score of 680. According to NerdWallet, the average income among borrowers is over $100,000.SoFi Personal Loan ReviewGetting a loan with bad credit, whether to consolidate debt or for something else, can be expensive, or hard to qualify for. An Avant personal loan is the best bet for borrowers with poor credit, requiring a minimum credit score of 600.Compared with other personal loan lenders offering debt consolidation loans for bad credit borrowers, Avant's terms are the most generous. While there is an administration fee, it could be lower than competitors' fees with a cap up to 4.75% in administration fees with an undisclosed late fee and returned payment fee. Avant also has the advantage of offering fast personal loan funding.Watch out for: High rates with a low credit score. While Avant is accessible to borrowers with poor credit scores, approval might go hand in hand with high interest rates on your loan.Avant Personal Loan ReviewIn the fair credit range, it can be tough to qualify for a personal loan with reasonable interest rates — many lenders have a minimum of 660 or 680. However, a Happy Money Payoff Loan™ could be a good option for people with credit scores as low as 640. Interest rates are comparable to those offered by LightStream and SoFi, but this lender has less stringent requirements. Compared with competitors Prosper and Best Egg, which both have the same 640 minimum credit score requirement, Payoff's interest rates are capped lower, and could have lower origination fees. Watch out for: Origination fees. Payoff offers loans with a 0% to 5% origination fee. Competing lenders Prosper and Best Egg charge 1.00% to 9.99% and 0.99% and 9.99% origination fees, respectively. The better deal will depend on your credit score, income, and repayment term.Happy Money Personal Loan ReviewFlexibility makes Wells Fargo personal loan a top contender for best personal loans for debt consolidation. Wells Fargo separates debt consolidation loans from personal loans, but the interest rates are the same.Benefits include competitive interest rates and an autopay discount of 0.25% if payments are made from a Wells Fargo account. For unsecured personal loans, the most common type for debt consolidation, there are no origination or prepayment fees.Wells Fargo can send your loan funds to your Wells Fargo bank account, or to a credit account outside of Wells Fargo to pay down your debts directly. Watch out for: Wells Fargo's history with data security and compliance. The bank has faced several federal penalties for improper customer referrals to lending and insurance products, and security issues tied to creating fake accounts several years ago. Wells Fargo Personal Loan Review0.50% discount on regular rates with AutoPay6.99% to 25.49% (with AutoPay discount, rates vary by loan purpose)$5,000 to $100,000660LightStream offers some of the lowest rates on personal loans out there, provided you have a great credit score. The lender also has loans of up to $100,000 and can supply you with funding on the same day you apply and are approved.9.99% to 35.99%$1,000 to $50,000580Upgrade is a solid lender if you can qualify for its lowest interest rate. But if your credit isn't in great shape, you may be able to find a better deal elsewhere.0.25% AutoPay interest rate discount and a 0.25% direct deposit interest rate discount8.99% - 29.99% fixed (with all discounts)$5,000 to $100,000680SoFi is a strong personal loan lender for those with high credit scores — you'll get perks like no fees required. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate.Offers emergency, home improvement, and debt consolidation loans9.95% to 35.99%$2,000 to $35,000600Avant Personal Loan is a good personal loan provider, especially if you have a lower credit score and need to receive your loan money quickly. Just be prepared to pay a high APR if you do have a low score.The minimum rate for loan amounts above $15,000 is 11.75% APR11.72% - 17.99% fixed$5,000 to $40,000640A Happy Money Payoff Loan personal loan is a great option for those with good credit scores who are eligible for the lender's lowest APR. However, borrowers can only use the funds to consolidate credit card debt.Relationship discount of 0.25%7.49% to 24.99% (with relationship discount)$3,000 to $100,000UndisclosedWells Fargo Personal Loan are a good choice if you need a significant amount of cash, as you can borrow up to $100,000 with the lender. However, if you're not a current customer, you can't apply for a personal loan without visiting a branch.Personal loans are the most common type of loan used for debt consolidation. Other options for consolidating debt include a home equity loan, a home equity line of credit (HELOC), and a balance transfer credit card.When you take out a debt consolidation loan, the funds are used to pay down the debts you have with multiple lenders, leaving you with a single monthly payment to make. It does not erase your debt, and you might end up paying more over the long term even if you end up paying less each month on the consolidation loan.Debt consolidation loans don't necessarily hurt your credit score. In fact, your credit will often be boosted in the long run if you consolidate your debt because it can reduce the amount you owe and lower monthly minimum payments, which all affect your credit score. With a debt consolidation loan, you can benefit from a lower interest rate.Getting a debt consolidation loan is as easy or difficult as it would be getting any kind of personal loan. It depends on your personMost personal loans allow a variety of uses. While most include credit card consolidation or debt consolidation, not all do. Read the fine print of any personal loan you're applying for, and make sure that debt consolidation is an acceptable use of the proceeds. All of the loans we considered had an option to use the loan for debt consolidation, if not a separate loan, which we included details for.","articleSection":"Personal Finance, Loans, Personal Loans","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What kind of loan do I need to consolidate debt?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Personal loans are the most common type of loan used for debt consolidation. Other options for consolidating debt include a <a href=\"https://www.businessinsider.com/personal-finance/mortgages/what-is-a-home-equity-loan\" data-analytics-product-module=\"body_link\" rel=\"\">home equity loan</a>, a <a href=\"https://www.businessinsider.com/personal-finance/mortgages/heloc-pros-and-cons\" data-analytics-product-module=\"body_link\" rel=\"\">home equity line of credit</a> (HELOC), and a <a href=\"https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards\" data-analytics-product-module=\"body_link\" rel=\"\">balance transfer credit card</a>.</p>"}},{"@type":"Question","name":"Is debt consolidation a good idea?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">When you take out a debt consolidation loan, the funds are used to pay down the debts you have with multiple lenders, leaving you with a single monthly payment to make. It does not erase your debt, and you might end up paying more over the long term even if you end up paying less each month on the consolidation loan.</p>"}},{"@type":"Question","name":"Do debt consolidation loans hurt your credit score?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Debt consolidation loans don't necessarily hurt your credit score. In fact, your credit will often be boosted in the long run if you consolidate your debt because it can reduce the amount you owe and lower monthly minimum payments, which all affect your credit score. With a debt consolidation loan, you can benefit from a lower interest rate.</p>"}},{"@type":"Question","name":"Is it hard to get a debt consolidation loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Getting a debt consolidation loan is as easy or difficult as it would be getting any kind of personal loan. It depends on your person</p>"}},{"@type":"Question","name":"Can any personal loan be used for debt consolidation?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Most personal loans allow a variety of uses. While most include credit card consolidation or debt consolidation, not all do. Read the fine print of any personal loan you're applying for, and make sure that debt consolidation is an acceptable use of the proceeds. All of the loans we considered had an option to use the loan for debt consolidation, if not a separate loan, which we included details for. </p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/loans","name":"Loans"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/personal-loans","name":"Personal Loans"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans","name":"Debt Consolidation Loans in 2024: Finding the Best Personal Loan for Debt Consolidation"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: 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stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/personal-loans" class="" data-track-click="{"product_field":"Personal Loans","element_name":"breadcrumbs","event":"navigation"}" > Personal Loans </a> </span> </div> <h1 class="post-headline ">Debt Consolidation Loans in 2024: Finding the Best Personal Loan for Debt Consolidation</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Sarah Silbert" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a></span> and <span class="" data-e2e-name="Ryan Wangman, CEPF" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/ryan-wangman" >Ryan Wangman, CEPF</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/libby-kane" >Libby Kane</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/elias-shaya" >Elias Shaya</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-10-30T16:11:08Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-10-30T16:11:08Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link 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data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-we-rate-personal-loans" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate personal loans</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>Debt consolidation is when you take out one loan and use it to pay off other debts that you have, leaving you with one monthly payment and interest rate. This can help you manage your debt more efficiently, and, in some cases, reduce the total amount of interest you'll pay if the new loan's APR is lower.</p><p>Generally, you'll need a personal loan for debt consolidation, which means replacing multiple loans with a single loan instead. Business Insider's personal finance experts chose the <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-analytics-product-module="body_link" rel="">best personal loans</a> for consolidating debt, and we highlight their features below.</p><h2>Best Debt Consolidation Loans of 2024</h2><ul><li><a href="https://www.businessinsider.com/personal-finance/lightstream-personal-loan-review" rel="" data-analytics-post-depth="20" data-uri="562b4cb420a840cce7763b4fe970f364" data-mrf-link="https://www.businessinsider.com/personal-finance/lightstream-personal-loan-review"></a>Best for good to excellent credit: <a href="https://www.businessinsider.com/personal-finance/lightstream-personal-loan-review" rel="" data-analytics-post-depth="20" data-uri="562b4cb420a840cce7763b4fe970f364" data-mrf-link="https://www.businessinsider.com/personal-finance/lightstream-personal-loan-review"><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D" data-am-orig-url="https://affiliate.insider.com/?h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D">LightStream Personal Loan</a></a></li><li>Best for fast funding: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi" data-am-orig-url="https://affiliate.insider.com/?h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi">Upgrade Personal Loan</a></li><li>Best for high balances: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD" data-am-orig-url="https://affiliate.insider.com/?h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD">SoFi Personal Loan</a></li><li>Best for bad credit: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant">Avant Personal Loan</a></li><li>Best for fair credit: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f33f8503f7370195466dc8e" data-analytics-product-brand="Happy Money®" data-analytics-product-name="Payoff Loan™" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=b3fe0c093c516a7883cdd2e8f5881e5b9a7df43ee984e5de0bb472df7f991030&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Df3ddaa43-baa5-4bbb-bb35-806cd33b6625%26tag.pref_partner%3Dhappymoney" data-am-orig-url="https://affiliate.insider.com/?h=b3fe0c093c516a7883cdd2e8f5881e5b9a7df43ee984e5de0bb472df7f991030&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Df3ddaa43-baa5-4bbb-bb35-806cd33b6625%26tag.pref_partner%3Dhappymoney">Payoff Loan™</a></li><li>Best for loan options: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo">Wells Fargo Personal Loan</a></li></ul> <p class="headline-semibold">Compare Personal Loan Rates</p> <div id="evenFinancialPersonalLoans"> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-onload="addEvenFinLoansIframe()" data-src="https://embed.hifiona.com/script/helper/bundle.js" data-async="true" data-defer="true"></div> <script defer=""> function addEvenFinLoansIframe() { document.getElementById('evenFinancialPersonalLoans').innerHTML += '<iframe class="even-iframe" id="iFrameResizer0" scrolling="no" src="https://embed.hifiona.com/ui/multi-product/index.html?partner=business-insider&access_token=67469272-b8b5-4728-8a00-888ada3b8073_e8cd386c-b739-43de-9f23-fcd8537fe029&company_uuid=84ef3821-4efd-4450-bcc7-178bb19ecbb4&productType=loan&pw_fiona=true&available_products=loan" style="width: 100%; border: none;"></iframe>'; } </script> </div><h2>Debt Consolidation Loan Company Trustworthiness</h2><p>The BBB measures businesses based on factors like their responsiveness to customer complaints, honesty in advertising, and transparency about business practices.</p><p>We've compared each institution's Better Business Bureau score to give you another piece of information to choose your lender. Whether you're considering a <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-get-a-5000-loan" data-analytics-product-module="body_link" data-analytics-post-depth="100" data-uri="f55021e43de1422ef665728c34bd0aea" rel="">$5,000 loan</a> or a <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-get-a-10000-loan" data-analytics-product-module="body_link" rel="">$10,000 loan</a>, a trustworthy lender can improve your loan experience.</p><p>Here is each company's score:</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 97.4523%; height: 689px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 21px;"><td style="width: 20%; height: 21px; text-align: center;" data-sheets-value="{"1":2,"2":"Lender"}" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Lender</strong></td><td style="width: 18.848%; height: 21px; text-align: center;" data-sheets-value="{"1":2,"2":"APR"}" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">BBB Grade</strong></td></tr><tr style="height: 87px;"><td style="width: 20%; height: 87px;" class="headline-regular headline-semibold">Wells Fargo Personal Loan</td><td style="width: 18.848%; text-align: center; height: 87px;" class="headline-regular">F</td></tr><tr style="height: 21px;"><td style="width: 20%; height: 21px;" class="headline-regular headline-semibold">LightStream Personal Loan</td><td style="width: 18.848%; height: 21px; text-align: center;" data-sheets-value="{"1":2,"2":"4.49 - 19.99%"}" class="headline-regular">A</td></tr><tr style="height: 65px;"><td style="width: 20%; height: 65px;" class="headline-regular headline-semibold">Sofi Personal Loan</td><td style="width: 18.848%; height: 65px; text-align: center;" data-sheets-value="{"1":2,"2":"5.99 - 18.85%"}" class="headline-regular">A+</td></tr><tr style="height: 51px;"><td style="width: 20%; height: 51px;" class="headline-regular headline-semibold">Payoff Personal Loan™</td><td style="width: 18.848%; height: 51px; text-align: center;" data-sheets-value="{"1":2,"2":"5.99 - 24.99%"}" class="headline-regular">A</td></tr><tr style="height: 109px;"><td style="width: 20%; height: 109px;" class="headline-regular headline-semibold">Avant Personal Loan</td><td style="width: 18.848%; height: 109px; text-align: center;" data-sheets-value="{"1":2,"2":"9.95 - 35.99%"}" class="headline-regular">A+</td></tr><tr style="height: 172px;"><td style="width: 20%; height: 172px;" class="headline-regular headline-semibold">Upgrade Personal Loan</td><td style="width: 18.848%; text-align: center; height: 172px;" class="headline-regular">A+</td></tr></tbody></table></div><p>With the exception of Wells Fargo, our top picks are rated A or higher by the BBB. Keep in mind that a high BBB score does not guarantee a positive relationship with a lender, and that you should continue to do research and talk to others who have used the company to get the most complete information possible. </p><p>Wells Fargo is currently rated an F by the BBB due to government actions against the business and a failure to respond to 14 complaints. Most recently, the Consumer Financial Protection Bureau in December 2022 ordered Wells Fargo to return $2 billion to customers and pay a $1.7 billion penalty for legal violations involving auto loans, mortgages, and deposit accounts. The bank illegally charged fees and interest penalties on auto and mortgage loans. Additionally, it misapplied payments to those loans for many customers. </p><p>If you're uncomfortable with this history, you may want to use one of the other personal loan lenders on our list.</p><h2 data-toc-label="How to Choose" id="how-to-choose" class="toc-anchor">How to Choose a Debt Consolidation Loan</h2><p>The main benefits of consolidating debt are streamlining your debts into a single account with one monthly payment and reducing the total amount of interest you'll owe.</p><p>When shopping for a debt consolidation loan, look for an APR that is lower than the average you're paying on the debt you want to consolidate. If you can't qualify for a lower rate, a debt consolidation loan might not be a good choice for you.</p><p>Also consider the loan amounts, associated fees and penalties, as well as a lender's credit score minimum and other eligibility requirements when choosing a debt consolidation loan.</p><p>Business Insider's personal finance team works to help smart people make the best decisions with their money. We understand that "best" is often subjective, so in addition to highlighting the clear benefits of a financial product, we outline the limitations and drawbacks, too</p><h2 data-toc-label="How to Qualify" id="how-to-qualify" class="toc-anchor">How to Qualify for a Personal Loan for Debt Consolidation</h2><p>Qualifying for a debt consolidation loan is the same as it is for most other kinds of personal loans. </p><p>Generally, lenders require a credit score in the mid-600s, although some will accept borrowers with lower scores. Remember, though, that with a lower credit score, you'll pay a higher interest rate.</p><p>In addition to checking your credit score, debt consolidation companies will also need proof of your employment and ability to repay in order to determine eligibility. They will also check your <a href="https://www.businessinsider.com/personal-finance/mortgages/debt-to-income-ratio" data-analytics-product-module="body_link" rel="">debt-to-income ratio</a> to make sure you haven't borrowed more than you can feasibly pay back.</p><p>Most lenders will allow you to prequalify for a loan, which allows you to compare interest rates and terms without affecting your credit score. </p><h2>How to Apply for a Debt Consolidation Loan</h2><p>After you've gotten prequalified with several lenders, compare their offers and choose the one that best suits your needs. To complete the <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-get-a-personal-loan" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/how-to-get-a-personal-loan" rel="">full loan application process</a> you'll need a significant amount of documentation, including things like: </p><ul><li>Pay stubs/proof of income</li><li>The last couple years of tax returns</li><li>Documentation of 401(k)s and other financial accounts</li><li>Photo ID</li><li>Rent/mortgage history</li><li>Proof of collateral, if you're pursuing a secured loan</li></ul><p>Get these basics in order before applying for the loan, in order to speed up the process. You can apply for most loans by filling out a form online.</p><p>If you are approved, the lender will send you the final loan documents to sign off on. These include all the details such as the interest rate, the amount of time you have to pay it off, the amount you're borrowing, the monthly payments, and any fees. Make sure you fully understand all of it before signing for the loan.</p><h2 data-toc-label="Alternatives" id="alternatives" class="toc-anchor">Alternatives to Debt Consolidation Loans</h2><p>If you're looking for a debt consolidation loan because your credit cards carry high APRs, it's worth your time to consider some alternatives.</p><p>One often underutilized strategy is to simply ask your credit card company for a lower rate. There's no guarantee that they'll agree. However, they may well do so, especially if you've been diligent about payments. You can also ask about upgrading your credit card, which may come with a lower APR and other perks. </p><p>You may also be able to get a lower rate by transferring your balances to a different credit card. Cards designed for this purpose <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-analytics-product-module="body_link" rel="">often come with an introductory 0% APR</a> period that can last anywhere from 12-18 months. Remember that you'll need to pay off your balance before the intro period ends to avoid being hit with high interest rates.</p><p>Tackling your debt head-on using strategies such as the <a href="https://www.businessinsider.com/personal-finance/investing/debt-snowball-vs-debt-avalanche" data-analytics-module="body_link" data-analytics-post-depth="80" data-uri="512c321e869a21aa72fcec7c56f562df" data-analytics-product-module="body_link" rel="">avalanche and snowball methods</a> is another alternative.</p><h2>How We Review Debt Consolidation Loans</h2><p>We consulted loan and financial planning experts to inform these picks and give their insights into finding the best loans for your needs. You can read their advice at the bottom of this post.</p><ul><li><a href="https://www.instagram.com/_mrdre_/" target="_blank" rel="noopener nofollow">Andre Jean-Pierre</a>, senior wealth advisor and managing director at <a href="https://acesadvisors.co/" target="_blank" rel="noopener nofollow">Aces Advisors</a></li><li><a href="https://www.linkedin.com/in/forrest-mccall/" target="_blank" rel="noopener nofollow">Forrest McCall</a>, founder of <a href="https://www.dontworkanotherday.com/" target="_blank" rel="noopener nofollow">Don't Work Another Day</a></li><li><a href="https://www.linkedin.com/in/fred-winchar-291b5629/" target="_blank" rel="noopener nofollow">Fred Winchar</a>, CEO and co-founder at <a href="https://www.maxcash.com/" target="_blank" rel="noopener nofollow">MaxCash</a></li><li><a href="https://www.businessinsider.com/author/ryan-wangman" rel="">Ryan Wangman</a>, former loans reporter at Business Insider</li></ul><h3>Generally, What Makes a Personal Loan Good or Not Good?</h3><p><strong>Andre Jean-Pierre:</strong></p><p>"One of the most important factors to consider in a personal loan is the interest rate. Because personal loans are typically unsecured, they usually carry higher interest rates than secured lending options. However, if a person has a strong credit profile, a personal loan can carry a lower APR than other unsecured sources of financing such as credit cards."</p><p><strong>Forrest McCall:</strong></p><p>"One of the best ways to use a personal loan is to pay off other high-interest debts like credit card debts. Because you can often lock in lower rates than a revolving line of credit like a credit card it can be a smart decision for your finances and save you thousands in interest payments over time."</p><h3>How Should a Borrower Decide if They Should Take Out a Personal Loan?</h3><p><strong>Fred Winchar:</strong></p><p>"Whether or not to take a personal loan depends on if one can afford it. The purpose of the loan and the value that comes with it is of importance to note. In most cases, it is beneficial to use the loan to invest in a project that can bring extra income or savings."</p><p><strong>Ryan Wangman: </strong></p><p>"Borrowers should carefully consider alternatives to personal loans before taking one out. Personal loans can come with high interest rates, especially for borrowers with poor credit. If you can't fit those monthly payments into your budget, steer clear of the loan."</p><h2 data-toc-label="Why You Should Trust Us: How We Chose the Best Debt Consolidation Loans" id="why-you-should-trust-us:-how-we-chose-the-best-debt-consolidation-loans" class="toc-anchor">Why You Should Trust Us: How We Chose the Best Debt Consolidation Loans</h2><p>To find the best personal loans for debt consolidation, we combed through the fine print and terms of about a dozen personal loans to find the ones that were best suited to help with consolidating debt. We considered four main features: </p><ul><li><strong>APR range:</strong> For the most help with debt payoff, a personal loan for debt consolidation needs to have lower interest rates than the credit card or other debts you're consolidating. We looked for the loans that had the lowest rates possible for each credit range and purpose. The <a href="https://www.businessinsider.com/personal-finance/credit-cards/average-credit-card-interest-rate" rel="">average credit card interest rate </a>was 20.92% in the first quarter of 2022, so we focused on loans that had the potential to beat this. </li><li><strong>Appropriate loan amounts: </strong>We looked for personal loans that had the most variety in loan amounts. To benefit the most borrowers, we included personal loans with maximum limits over $10,000. </li><li><strong>Minimum credit score requirements:</strong> Where available, we considered the minimum credit score requirements for each company. We considered loans for excellent, fair, and poor credit, grouping loans into categories based on these credit score requirements.</li><li><strong>Fees: </strong>We considered fees like <a href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-an-origination-fee" rel="">origination fees</a> or administrative fees in our decisions, looking for loans with the fewest or lowest fees. None of the best loans listed have prepayment penalties. </li><li><strong>Nationwide availability:</strong> We only considered loans with availability in most or all 50 US states. </li></ul><p><strong><a href="https://www.businessinsider.com/personal-finance/personal-loans/how-we-rate-personal-loans" data-analytics-module="body_link" data-analytics-post-depth="100" data-uri="b7061d44cecd2e488c4a3e3840cc6e47" data-analytics-product-module="body_link" rel="">See our ratings methodology for personal loans »</a></strong></p><h2 data-toc-label="Best Debt Consolidation Loan Reviews" id="best-debt-consolidation-loan-reviews" class="toc-anchor"><strong>Best Debt Consolidation Loan Reviews</strong></h2><p>The best debt consolidation loans help you work toward paying off debt by bundling multiple debts into one account, and they're generally only a good idea if you can get a lower interest rate than your various debts carry. We looked at lenders that are best for fast cash, a variety of credit scores, and for high debt balances to come up with our list of top picks.</p><h3><strong><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D" data-am-orig-url="https://affiliate.insider.com/?h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D">LightStream Personal Loan</a></strong></h3><p>Lightstream is a highly regarded lender for many loan types, and has been a top pick across Business Insider's coverage of the <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-analytics-product-module="body_link" rel="">best personal loans</a> and <a href="https://www.businessinsider.com/personal-finance/best-car-loans-options" rel="noopener" data-analytics-product-module="body_link">best auto loans</a>. However, this lender only works with borrowers with good or better credit, with a minimum credit score requirement of 660. </p><p>LightStream offers consistently <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-low-interest-personal-loans" data-analytics-product-module="body_link" rel="">low personal loan interest rates</a>, though its minimum interest rate for debt consolidation is higher than its typical personal loan's interest rates. However, this lender does not have any prepayment or origination fees. Same-day funding is available with LightStream. </p><p><strong>Watch out for: </strong>Maximum loan amount limits. Only borrowers with excellent credit can borrow the $100,000 maximum, and anyone without excellent credit may not qualify for the full amount.</p><p>LightStream defines excellent credit as an account with five or more years of credit history, stable and sufficient income for debts, and a variety of credit history with little or no credit card debt. If you're looking for a debt consolidation loan, chances are you have a significant amount of debt, and may not fit these qualifications.</p><p>Additionally, LightStream doesn't have a way to pre-qualify online. You'll have to apply for the loan to find out exactly what your rates and terms could look like, which could make comparison shopping difficult. </p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/lightstream-personal-loan-review" data-analytics-product-module="body_link" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-post-depth="20" data-uri="562b4cb420a840cce7763b4fe970f364" data-mrf-link="https://www.businessinsider.com/personal-finance/lightstream-personal-loan-review" rel="">LightStream Personal Loan Review</a></em></p><h3><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi" data-am-orig-url="https://affiliate.insider.com/?h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi">Upgrade Personal Loan</a></h3><p>Upgrade is great for fast cash because it allows you to get your money within one business day after your loan is reviewed and approved. </p><p>You're also able to get a loan for as little as $1,000, which is less than many of the other competitors on our list. It could be a good choice if you only have a small amount of debt you need to consolidate.</p><p><strong>What to watch out for: </strong>Origination and late fees. Your origination fee will be late fee of up to $10 if you don't make a full payment within 15 days of your due date.</p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/upgrade-personal-loans-review" data-analytics-product-module="body_link" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-post-depth="20" data-uri="9efdaef3f0f97eb91a9dd8183e5a2448" data-mrf-link="https://www.businessinsider.com/personal-finance/upgrade-personal-loans-review" rel="">Upgrade Personal Loan Review</a></em></p><h3><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD" data-am-orig-url="https://affiliate.insider.com/?h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD">SoFi Personal Loan</a></h3><p>A SoFi personal loan is the best option for anyone with a high balance, as this lender makes debt consolidation loans of $5,000 to $100,000. Debt consolidation loans from this lender are comparable in rates to those offered by LightStream, but SoFi® offers higher loan limits to all applicants, whereas LightStream only allows some borrowers to borrow up to $100,000. Similarly, SoFi doesn't have any application or prepayment fees as well as doesn't require an origination fee. </p><p><strong>Watch out for: </strong>Stringent requirements. SoFi personal loans have a minimum credit score of 680. According to NerdWallet, the average income among borrowers is over $100,000.</p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/sofi-personal-loans-review" data-analytics-product-module="body_link" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi" data-analytics-product-name="SoFi Personal Loan" data-analytics-post-depth="20" data-uri="b2ee7b0f1cef1bf75911d9236c571fb1" data-mrf-link="https://www.businessinsider.com/personal-finance/sofi-personal-loans-review" rel="">SoFi Personal Loan Review</a></em></p><h3><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant">Avant Personal Loan</a></h3><p><a href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-get-a-loan-with-bad-credit" data-analytics-product-module="body_link" rel="">Getting a loan with bad credit</a>, whether to consolidate debt or for something else, can be expensive, or hard to qualify for. An Avant personal loan is the best bet for borrowers with poor credit, requiring a minimum credit score of 600.</p><p>Compared with other personal loan lenders offering debt consolidation loans for bad credit borrowers, Avant's terms are the most generous. While there is an administration fee, it could be lower than competitors' fees with a cap up to 4.75% in administration fees with an undisclosed late fee and returned payment fee. Avant also has the advantage of offering <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-quick-personal-loans-fast-cash" data-analytics-product-module="body_link" rel="">fast personal loan funding</a>.</p><p><strong>Watch out for: </strong>High rates with a low credit score. While Avant is accessible to borrowers with poor credit scores, approval might go hand in hand with high interest rates on your loan.</p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/avant-personal-loan-review" data-analytics-product-module="body_link" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-post-depth="20" data-uri="24fe17b60cc0e1777054a9b15419a3c7" data-mrf-link="https://www.businessinsider.com/personal-finance/avant-personal-loan-review" rel="">Avant Personal Loan Review</a></em></p><h3><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f33f8503f7370195466dc8e" data-analytics-product-brand="Happy Money®" data-analytics-product-name="Payoff Loan™" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=b3fe0c093c516a7883cdd2e8f5881e5b9a7df43ee984e5de0bb472df7f991030&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Df3ddaa43-baa5-4bbb-bb35-806cd33b6625%26tag.pref_partner%3Dhappymoney" data-am-orig-url="https://affiliate.insider.com/?h=b3fe0c093c516a7883cdd2e8f5881e5b9a7df43ee984e5de0bb472df7f991030&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Df3ddaa43-baa5-4bbb-bb35-806cd33b6625%26tag.pref_partner%3Dhappymoney">Payoff Loan™</a></h3><p>In the fair credit range, it can be tough to qualify for a personal loan with reasonable interest rates — many lenders have a minimum of 660 or 680. However, a Happy Money Payoff Loan™ could be a good option for people with credit scores as low as 640. Interest rates are comparable to those offered by LightStream and SoFi, but this lender has less stringent requirements. </p><p>Compared with competitors <a href="https://www.businessinsider.com/personal-finance/personal-loans/prosper-personal-loans-review" data-analytics-product-module="body_link" rel="">Prosper</a> and <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-egg-personal-loans-review" data-analytics-product-module="body_link" rel="">Best Egg</a>, which both have the same 640 minimum credit score requirement, Payoff's interest rates are capped lower, and could have lower origination fees. </p><p><strong>Watch out for:</strong> Origination fees. Payoff offers loans with a 0% to 5% origination fee. Competing lenders Prosper and Best Egg charge 1.00% to 9.99% and 0.99% and 9.99% origination fees, respectively. The better deal will depend on your credit score, income, and repayment term.</p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/happy-money-payoff-personal-loans-review" data-analytics-product-module="body_link" data-analytics-product-id="5f33f8503f7370195466dc8e" data-analytics-product-brand="Happy Money®" data-analytics-product-name="Payoff Loan™" data-analytics-post-depth="40" data-uri="44b0f8e65350730f28d6f68b876dba54" data-mrf-link="https://www.businessinsider.com/personal-finance/happy-money-payoff-personal-loans-review" rel="">Happy Money Personal Loan Review</a></em></p><h3><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo">Wells Fargo Personal Loan</a></h3><p>Flexibility makes Wells Fargo personal loan a top contender for best personal loans for debt consolidation. Wells Fargo separates debt consolidation loans from personal loans, but the interest rates are the same.</p><p>Benefits include competitive interest rates and an autopay discount of 0.25% if payments are made from a Wells Fargo account. For unsecured personal loans, the most common type for debt consolidation, there are no origination or prepayment fees.</p><p>Wells Fargo can send your loan funds to your Wells Fargo bank account, or to a credit account outside of Wells Fargo to pay down your debts directly. </p><p><strong>Watch out for: </strong>Wells Fargo's history with data security and compliance. The bank has faced several federal penalties for improper customer referrals to lending and insurance products, and security issues tied to creating fake accounts several years ago. </p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/wells-fargo-personal-loan-review" data-analytics-product-module="body_link" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" data-analytics-post-depth="40" data-uri="c2ee5b5f305beb2bb3ea174cb06a37af" data-mrf-link="https://www.businessinsider.com/personal-finance/wells-fargo-personal-loan-review" rel="">Wells Fargo Personal Loan Review</a></em></p><h2 data-toc-label="Compare the Best Debt Consolidation Loans" id="compare-the-best-debt-consolidation-loans" class="toc-anchor">Compare the Best Debt Consolidation Loans</h2> <div id="lightstream-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for good to excellent credit </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">LightStream Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D" rel="nofollow noindex" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Get matched with personal loan offers</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D" rel="nofollow noindex" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/636c1034f5877200181c29f9?width=400" alt="LightStream LightStream Personal Loan"> <noscript> <img src="https://i.insider.com/636c1034f5877200181c29f9?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5eaae377144192612942f3b7-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5331972542656402"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5331972542656402)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.2062079123065199"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.2062079123065199)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5852741195727671"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5852741195727671)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.2345410124766929"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.2345410124766929)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.2634963889910036"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.2634963889910036)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.75<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">0.50% discount on regular rates with AutoPay</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">6.99% to 25.49% (with AutoPay discount, rates vary by loan purpose)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$5,000 to $100,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">660</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 6" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Competitive APR</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Approval decisions should come shortly after applying</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Loans can be funded the same day</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Wide range of borrowing amounts and terms</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No fees</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Only available to people with good credit</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No pre-approval option</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">LightStream offers some of the lowest rates on personal loans out there, provided you have a great credit score. The lender also has loans of up to $100,000 and can supply you with funding on the same day you apply and are approved.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/lightstream-personal-loan-review" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> LightStream Personal Loan <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $5,000 to $100,000</li> <li class="financial-product-card__product-details__list-item">Loan term lengths range from 2 to 12 years</li> <li class="financial-product-card__product-details__list-item">Apply online and you'll receive a response shortly during business hours.</li> <li class="financial-product-card__product-details__list-item">Receive your funds as soon as the same day</li> <li class="financial-product-card__product-details__list-item">Loans are made by Truist Bank, member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="upgrade-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for fast funding </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Upgrade Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi" rel="nofollow noindex" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Upgrade's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi" rel="nofollow noindex" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/644bfa4e74e9330018ef9239?width=400" alt="Upgrade Upgrade Personal Loan"> <noscript> <img src="https://i.insider.com/644bfa4e74e9330018ef9239?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5f7ba1aff348c368c00d3bd4-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.16062101302620757"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.16062101302620757)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7577605635004112"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7577605635004112)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4671583918191735"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4671583918191735)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.29569089312479435"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.29569089312479435)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.33043723213315035"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.33043723213315035)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">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/.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">9.99% to 35.99%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$1,000 to $50,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">580</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Small minimum loan amount</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Quick access to funds</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low minimum credit score</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Origination and late fees</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Upgrade is a solid lender if you can qualify for its lowest interest rate. But if your credit isn't in great shape, you may be able to find a better deal elsewhere.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/upgrade-personal-loans-review" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Upgrade Personal Loan <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $1,000 to $50,000</li> <li class="financial-product-card__product-details__list-item">Loan term lengths range between 2 to 7 years</li> <li class="financial-product-card__product-details__list-item">You can get your money within one business day after your loan is reviewed and approved</li> <li class="financial-product-card__product-details__list-item">Loans made by Upgrade's lending partners</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="sofi-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for high balances </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">SoFi Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD" rel="nofollow noindex" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On SoFi®'s website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD" rel="nofollow noindex" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5eaae52b14419261e02d9960?width=400" alt="SoFi® SoFi Personal Loan"> <noscript> <img src="https://i.insider.com/5eaae52b14419261e02d9960?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5eaae695cdfd485bbd7110eb-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7944172418120772"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7944172418120772)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.37597763516756766"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.37597763516756766)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.41487786228349144"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.41487786228349144)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4817197849707193"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4817197849707193)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.33992520271895366"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.33992520271895366)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">0.25% AutoPay interest rate discount and a 0.25% direct deposit interest rate discount</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Fixed rates from 8.99% APR to 29.99% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 02/06/2024 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive. Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">8.99% - 29.99% fixed (with all discounts)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$5,000 to $100,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">680</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>High maximum loan limit</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No fees required</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Competitive APR</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High minimum credit score requirement</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High minimum loan amount</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No in-person support</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">SoFi is a strong personal loan lender for those with high credit scores — you'll get perks like no fees required. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/sofi-personal-loans-review" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> SoFi <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $5,000 to $100,000</li> <li class="financial-product-card__product-details__list-item">Loan term lengths range from 2 to 7 years</li> <li class="financial-product-card__product-details__list-item">Usually receive your money in a few business days after your application is approved</li> <li class="financial-product-card__product-details__list-item">Loans are made by SoFi Lending Corp.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 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href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" rel="nofollow noindex" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" 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href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" rel="nofollow noindex" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/644fcc21da6d7b0019bdc540?width=400" alt="Avant Avant Personal Loan"> <noscript> <img src="https://i.insider.com/644fcc21da6d7b0019bdc540?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5ea8966d6985254f9a06a0aa-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.19169665746395315"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.19169665746395315)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5588966501049155"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5588966501049155)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.1329044830172985"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.1329044830172985)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.16728109483556874"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.16728109483556874)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.44443958675065165"> <stop stop-color="#faa809" offset="-25%"></stop> <stop stop-color="white" offset="-25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.44443958675065165)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.75<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers emergency, home improvement, and debt consolidation loans</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">9.95% to 35.99%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$2,000 to $35,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">600</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Funds generally deposited by the next business day</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No prepayment penalty</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Multiple types of fees</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High maximum APR</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Low maximum loan limit</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Avant Personal Loan is a good personal loan provider, especially if you have a lower credit score and need to receive your loan money quickly. Just be prepared to pay a high APR if you do have a low score.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/avant-personal-loan-review" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Avant <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $2,000 to $35,000</li> <li class="financial-product-card__product-details__list-item">Loan term lengths range between 2 to 5 years</li> <li class="financial-product-card__product-details__list-item">Administration fee of up to 4.75%, which will be deducted from your loan proceeds when the loan is funded, and late fee that varies by state</li> <li class="financial-product-card__product-details__list-item">Loans made by WebBank, member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="payoff-loan™" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for fair credit </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Payoff Loan™</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=b3fe0c093c516a7883cdd2e8f5881e5b9a7df43ee984e5de0bb472df7f991030&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Df3ddaa43-baa5-4bbb-bb35-806cd33b6625%26tag.pref_partner%3Dhappymoney" rel="nofollow noindex" data-analytics-product-id="5f33f8503f7370195466dc8e" data-analytics-product-brand="Happy Money®" data-analytics-product-name="Payoff Loan™" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=b3fe0c093c516a7883cdd2e8f5881e5b9a7df43ee984e5de0bb472df7f991030&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Df3ddaa43-baa5-4bbb-bb35-806cd33b6625%26tag.pref_partner%3Dhappymoney"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Get matched with personal loan offers</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=b3fe0c093c516a7883cdd2e8f5881e5b9a7df43ee984e5de0bb472df7f991030&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Df3ddaa43-baa5-4bbb-bb35-806cd33b6625%26tag.pref_partner%3Dhappymoney" rel="nofollow noindex" data-analytics-product-id="5f33f8503f7370195466dc8e" data-analytics-product-brand="Happy Money®" data-analytics-product-name="Payoff Loan™" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=b3fe0c093c516a7883cdd2e8f5881e5b9a7df43ee984e5de0bb472df7f991030&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Df3ddaa43-baa5-4bbb-bb35-806cd33b6625%26tag.pref_partner%3Dhappymoney"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62acf6c9e3600d0018e7eec6?width=400" alt="Happy Money® Payoff Loan™"> <noscript> <img src="https://i.insider.com/62acf6c9e3600d0018e7eec6?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5f33f8503f7370195466dc8e-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.35713636897209544"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.35713636897209544)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.05290533934136454"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.05290533934136454)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5951061019414583"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5951061019414583)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8247770401489416"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8247770401489416)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7280257871089579"> <stop stop-color="#faa809" offset="-50%"></stop> <stop stop-color="white" offset="-50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7280257871089579)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">The minimum rate for loan amounts above $15,000 is 11.75% APR</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">11.72% - 17.99% fixed</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$5,000 to $40,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">640</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5f33f8503f7370195466dc8e" data-analytics-product-brand="Happy Money®" data-analytics-product-name="Payoff Loan™" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Competitive interest rates</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No prepayment or late fees</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low minimum credit score requirement</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Origination fees</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Slow access to funds</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Limited loan purpose</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Not available in all states</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">A Happy Money Payoff Loan personal loan is a great option for those with good credit scores who are eligible for the lender's lowest APR. However, borrowers can only use the funds to consolidate credit card debt.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/happy-money-payoff-personal-loans-review" data-analytics-product-id="5f33f8503f7370195466dc8e" data-analytics-product-brand="Happy Money®" data-analytics-product-name="Payoff Loan™" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Happy Money Payoff Loan™ <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $5,000 to $40,000</li> <li class="financial-product-card__product-details__list-item">Loan term lengths range between 2 to 5 years</li> <li class="financial-product-card__product-details__list-item">Origination fee anywhere between 0% and 5%</li> <li class="financial-product-card__product-details__list-item">Won't be able to get a loan from Happy Money if you live in Maine, Massachusetts, Nebraska, or Nevada</li> <li class="financial-product-card__product-details__list-item">Can only use for credit card debt consolidation</li> <li class="financial-product-card__product-details__list-item">Loans made by one of Payoff's lending partners</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5f33f8503f7370195466dc8e" data-analytics-product-brand="Happy Money®" data-analytics-product-name="Payoff Loan™" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="wells-fargo-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for loan options </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Wells Fargo Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" rel="nofollow noindex" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Get matched with personal loan offers</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70879-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66983263c87a0f570988a0cd&postSlug=personal-finance%2Fpersonal-loans%2Fbest-debt-consolidation-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" rel="nofollow noindex" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5ee3e2c319182454a0669479?width=400" alt="Wells Fargo Wells Fargo Personal Loan"> <noscript> <img src="https://i.insider.com/5ee3e2c319182454a0669479?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5f32f5064dca684879136c41-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.1801945303350112"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.1801945303350112)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5768632925242323"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5768632925242323)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8832167832120692"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8832167832120692)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.027336295360475438"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.027336295360475438)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6998773030039056"> <stop stop-color="#faa809" offset="-100%"></stop> <stop stop-color="white" offset="-100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6998773030039056)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Relationship discount of 0.25%</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">7.49% to 24.99% (with relationship discount)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$3,000 to $100,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">Undisclosed</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Large maximum loan amounts</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Discounts for current customers</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Established brick-and-mortar lender</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No origination fee or prepayment penalty</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Significant late fees</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>History of mismanaging customer information</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No online applications for non-customers</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Wells Fargo Personal Loan are a good choice if you need a significant amount of cash, as you can borrow up to $100,000 with the lender. However, if you're not a current customer, you can't apply for a personal loan without visiting a branch.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/wells-fargo-personal-loan-review" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Wells Fargo personal loan <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $3,000 to $100,000</li> <li class="financial-product-card__product-details__list-item">Term lengths range from 1 to 7 years</li> <li class="financial-product-card__product-details__list-item">Rate discounts to customers who have a checking account with the bank and who make their loan payments automatically through that account</li> <li class="financial-product-card__product-details__list-item">Non-customers must apply by visiting a branch and talking with a banker</li> <li class="financial-product-card__product-details__list-item">Loans made by Wells Fargo, member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Debt Consolidation Loan FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What kind of loan do I need to consolidate debt? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Personal loans are the most common type of loan used for debt consolidation. Other options for consolidating debt include a <a href="https://www.businessinsider.com/personal-finance/mortgages/what-is-a-home-equity-loan" data-analytics-product-module="body_link" rel="">home equity loan</a>, a <a href="https://www.businessinsider.com/personal-finance/mortgages/heloc-pros-and-cons" data-analytics-product-module="body_link" rel="">home equity line of credit</a> (HELOC), and a <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-analytics-product-module="body_link" rel="">balance transfer credit card</a>.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is debt consolidation a good idea? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">When you take out a debt consolidation loan, the funds are used to pay down the debts you have with multiple lenders, leaving you with a single monthly payment to make. It does not erase your debt, and you might end up paying more over the long term even if you end up paying less each month on the consolidation loan.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do debt consolidation loans hurt your credit score? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Debt consolidation loans don't necessarily hurt your credit score. In fact, your credit will often be boosted in the long run if you consolidate your debt because it can reduce the amount you owe and lower monthly minimum payments, which all affect your credit score. With a debt consolidation loan, you can benefit from a lower interest rate.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is it hard to get a debt consolidation loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Getting a debt consolidation loan is as easy or difficult as it would be getting any kind of personal loan. It depends on your person</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can any personal loan be used for debt consolidation?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Most personal loans allow a variety of uses. While most include credit card consolidation or debt consolidation, not all do. Read the fine print of any personal loan you're applying for, and make sure that debt consolidation is an acceptable use of the proceeds. All of the loans we considered had an option to use the loan for debt consolidation, if not a separate loan, which we included details for. </p> </div> </div> </div><div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://embed.hifiona.com/script/helper/bundle.js" data-async="true" data-defer="true"></div> <iframe class="even-iframe" id="iFrameResizer0" scrolling="no" data-src="https://embed.hifiona.com/ui/multi-product/index.html?partner=business-insider&access_token=67469272-b8b5-4728-8a00-888ada3b8073_e8cd386c-b739-43de-9f23-fcd8537fe029&company_uuid=84ef3821-4efd-4450-bcc7-178bb19ecbb4&productType=loan&pw_fiona=true&available_products=loan" style="width: 100%; border: none;"></iframe> </div><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/sarah-silbert" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="sarah-silbert"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/642206288c966b0019498f69?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of Sarah Silbert"> <noscript> <img src="https://i.insider.com/642206288c966b0019498f69?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/sarah-silbert" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Sarah Silbert</div> </a> <div class="post-author_title headline-regular">Deputy Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Sarah Silbert is a personal finance expert and award-winning journalist. As deputy editor for Personal Finance Insider, she oversees all of the guides and reviews published across banking, credit, credit cards, mortgages, loans, investing, and insurance. </span><span><span class="headline-semibold">Experience</span></span><span>Sarah joined Business Insider as an editor in 2019, and had built multiple Personal Finance Insider verticals from the ground up. </span><span>Prior to joining Business Insider, Sarah was a senior editor at The Points Guy for more than four years, covering credit cards and award travel. Alongside her team at TPG, Sarah helped Chase launch coverage for the popular <a href="https://www.businessinsider.com/personal-finance/chase-sapphire-reserve-credit-card-review" rel="">Chase Sapphire Reserve travel rewards credit card</a> in 2016.</span><span>Sarah began her journalism career writing about technology for Engadget and Laptop Magazine, jobs which led to international travel for trade shows and conferences and sparked her interest in credit card benefits.</span><span>Sarah started educating herself on personal finance best practices during her early years struggling to find balance amid New York City’s high cost of living. The money management skills Sarah learned during her years as a self-employed freelance editor also honed her financial acumen, giving her a passion for helping others navigate the financial challenges of small business ownership, taxes, and budgeting. In her personal life, Sarah loves helping her friends level up their credit card strategies to book fancy hotel rooms and flights. She also loves talking about her dog to anyone who will listen.</span><span><span class="headline-semibold">Expertise</span></span><span>Sarah’s areas of personal finance expertise include:</span><ul><li><span>Credit scores</span></li><li><span>Credit cards</span></li><li><span>Loans (personal loans and student loans)</span></li><li><span>Investing</span></li><li><span>Banking</span></li><li><span>Insurance</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Sarah is a graduate of Sarah Lawrence College, where she wrote and edited for the college paper. </span><span></span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/ryan-wangman" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="ryan-wangman"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/612f9f319ef1e50018f929fd?crop=1:1&width=256&format=jpeg&auto=webp" alt="Ryan Wangman, a white man with brown hair, sits in front of a stone wall. He smiles into the distance, wearing blue jeans and a dark blue, long-sleeved sweater."> <noscript> <img src="https://i.insider.com/612f9f319ef1e50018f929fd?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/ryan-wangman" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Ryan Wangman, CEPF</div> </a> <div class="post-author_title headline-regular">Loans Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Ryan Wangman was a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans. He is also a Certified Educator in Personal Finance (CEPF).</span><span>In his past experience writing about personal finance, he has written about credit scores, financial literacy, and homeownership. He graduated from Northwestern University and has previously written for The Boston Globe. </span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="elias-shaya"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Elias Shaya looks at the camera. He stands outdoors, wearing a black jacket, with a city in the distant background."> <noscript> <img src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Elias Shaya</div> </a> <div class="post-author_title headline-regular">Compliance Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded2"> <div class="post-author_bio_content"> <span>Elias Shaya is a Compliance Associate on the Personal Finance Insider team based in New York City, which ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up-to-date and accurate.</span><span>He joined Insider in February 2022 as a fellow on the compliance team.</span> </div> <label for="expanded2" role="button" class="post-author_bio_more">Read more</label> <label for="expanded2" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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