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3 Best Personal Loans

Couch change not paying the bills this month?  If you're looking for larger stacks of coins, here are our top three personal loan products. Personal loans can be a smart way to consolidate your debt while reducing your interest expenses. Use a personal loan to help get your finances on track. 

Looking for something else? Jump below the fold for some additional options. If you disagree with our assessment, we'd love to hear from you. Shoot us an e-mail. Change our mind and be handsomely rewarded with some TPJ swag.

SoFi


  • Loan Amounts: Up-to $100,000
  • APR: 5.49% - 14.49%
  • Loan Term: 36-84 months
  • Origination Fees: None
  • Recommended Credit: Excellent

Marcus


  • Loan Amounts: Up-to $30,000
  • APR: 6.99% to 23.99%
  • Loan Term: 36-72 Months
  • Origination Fees: None
  • Recommended Credit: Excellent/Good

Discover


  • Loan Amount: Up-to $35,000
  • APR: 6.99% - 24.99%
  • Loan Term: 36-84 months
  • Origination Fees: None
  • Recommended Credit: Good/Excellent

Additional Personal Loans

Our top three choices avoid origination fees. Here are some additional options, but be mindful of fee schedules. Don't take on a personal loan to incur more debt if it can be avoided.

LightStream


  • Loan Amounts: 5,000-100,000
  • APR: 2.19% – 17.49% 
  • Loan Term: 24-84 months 
  • Origination Fee: See Terms
  • Recommended Credit: Good


Best Egg


  • Loan Amount $2,000 - $35,000
  • Loan Term: 0-60 months
  • APR 5.99% - 29.99% APR
  • Origination Fee 0.99% - 5.99% 
  • Recommended Credit: Good

Even Financial


  • Loan Amount: Up to $100,000
  • APR: 4.99% - 35.99%
  • Loan Term: 24-84 months
  • Origination Fee: See Terms
  • Recommended Credit: Fair - Excellent

Lending Club


  • Loan Amounts: Up-to $40,000
  • APR: 5.99% - 35.89%
  • Loan Term: 36-60 months
  • Origination Fee: See Terms
  • Recommended Credit: Fair/Good/Excellent


Prosper


  • Loan Amounts: $2,000 - $35,000
  • APR: 5.99% -35.99%
  • Loan Term: 36-60 Months
  • Origination Fee: See Terms
  • Recommended Credit: Good/Excellent