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Other loan features, including no fees, rate discounts and mobile apps may set some personal loan lenders apart. We always recommend you compare personal loans from multiple lenders before making a choice.

Top 5 US Best Personal Loan Lenders of 2024

1. SoFi Personal Loan

  • Loan amount. $5K-$100K
  • Key Facts: SoFi is a strong option for good-credit consumers and offers low rates, no fees and flexible payments.
  • Qualifications:
    • Must legally be an adult in your state.
    • Must be a U.S. citizen, permanent resident or non-permanent resident with valid documentation.
    • Must be employed, have sufficient income or have an offer of employment to start within 90 days.
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2. LightStream

  • Loan amount: $5K-$100
  • Key Facts: LightStream targets strong-credit borrowers for loans with no fees and low rates that vary based on loan purpose.
  • Qualifications:
    • Minimum credit score: 660, but can vary depending on the loan purpose and amount.
    • Maximum debt-to-income ratio: 50%.
    • Minimum credit history: 3 years.
    • Income sources accepted: Employment, retirement, rental income, alimony, child support, Social Security payments and disability benefits.
    • Must be a U.S. citizen or permanent resident who is at least 18 years old and has a U.S. bank account.
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3. Happy Money

  • Loan amount: $5K-$40K
  • Key Facts: Happy Money offers loans plus ongoing support to help good-credit borrowers consolidate credit card debt.
  • Qualifications:
    • Must be a U.S. citizen or permanent resident.
    • Must have a valid Social Security number.
    • Minimum credit score: 640.
    • Minimum credit history: 6 years and 2 accounts.
    • Maximum debt-to-income ratio: 55%.
    • No bankruptcies filed in past two years.
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4. Upstart

  • Loan amount: $1K-$50K
  • Key Facts: Upstart is a good option for those who have short credit histories and promising financial futures.
  • Qualifications:
    • Must be a U.S. citizen or permanent resident living in the U.S.
    • Must be at least 18 years old in most states.
    • Must have a valid email address and Social Security number.
    • Must have a full- or part-time job, a full-time job offer starting within six months or another source of regular income.
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5. Upgrade

  • Loan amount: $1K-$50K
  • Key Facts: Upgrade offers personal loans plus credit-building tools; you’ll need strong cash flow to qualify.
  • Qualifications:
    • Minimum credit score: 580.
    • Minimum number of accounts on credit history: One account.
    • Maximum debt-to-income ratio: 75%, including mortgage payments.
    • Minimum length of credit history: Two years.
    • Minimum income requirement: None. Lender accepts income from alimony, retirement, child support, Social Security, disability benefits and other sources.
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