Loans like Best Egg

LightStream offers some of the lowest rates available for excellent credit borrowers, and it will beat a competitor's rate by .10% if you meet certain conditions. It also has a 0.5% autopay discount if you set up payments before loan funding. Loan amounts are higher than Best Egg, starting at $5,000 and going up to $100,000. LightStream doesn't include application fees, origination fees or prepayment penalties.

• Not available in: Iowa, West Virginia

• Why we like it

  LightStream offers some of the lowest rates available for excellent credit borrowers, and it will beat a competitor's rate by .10% if you meet certain conditions. It also has a 0.5% autopay discount if you set up payments before loan funding. Loan amounts are higher than Best Egg, starting at $5,000 and going up to $100,000. LightStream doesn't include application fees, origination fees or prepayment penalties.

• Pros and cons

  Pros

  • Larger amounts available
  • Rate Beat program
  • No fees

  Cons

  • Minimum loan amount of $5,000
  • Most competitive rates require autopay

• More details

  Loan amount	$5,000 to $100,000
  APR	6.49% to 25.29%
  Interest Rate Type	Fixed
  Min. credit score	Good to excellent credit
  Turnaround Time	As soon as same day
  Loan Term	24 to 240 months

• Partner terms and conditions

  Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2024 to 12/31/2024. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
  
  Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11.
  
  Maximum APR for a LightStream loan is 25.79%. Loan terms range from 24 - 240 months depending on the loan type.

Upstart might be a good alternative to Best Egg if you're just starting to build your credit. While most lenders like to see credit scores of at least 600, Upstart goes beyond your credit score to look at other factors, such as your education and career. It also offers a wider range of loan amounts than Best Egg, from $1,000 to $50,000. Its rates start as low as 6.7% APR, but origination fees may run as high as 12%.

• Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

• Why we like it

  Upstart might be a good alternative to Best Egg if you're just starting to build your credit. While most lenders like to see credit scores of at least 600, Upstart goes beyond your credit score to look at other factors, such as your education and career. It also offers a wider range of loan amounts than Best Egg, from $1,000 to $50,000. Its rates start as low as 6.7% APR, but origination fees may run as high as 12%.

• Pros and cons

  Pros

  • Accepts fair credit
  • Factors in alternative criteria
  • Loans as low as $1,000

  Cons

  • Loan terms are limited to 3 or 5 years
  • Minimum loan amounts up to $7,000 in some states
  • Origination fee as high as 12%

• More details

  Loan amount	$1,000 to $50,000
  APR	6.70% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	As soon as the same day
  Loan Term	36 or 60 months

OneMain Financial is one of the few lenders that accepts bad credit, making it a good alternative to Best Egg for borrowers with a poor credit history. While rates start high at 18% APR, that's lower than what you'll find with most lenders that accept bad credit scores. It also offers a secured option to help you qualify for a lower rate than you might otherwise find with another lender. But due to the high rates, this loan isn't a good option for debt consolidation — even if you can't qualify for another personal loan. Bad credit borrowers may want to consider other debt-relief options or DIY debt payment strategies.

• Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

• Why we like it

  OneMain Financial is one of the few lenders that accepts bad credit, making it a good alternative to Best Egg for borrowers with a poor credit history. While rates start high at 18% APR, that's lower than what you'll find with most lenders that accept bad credit scores. It also offers a secured option to help you qualify for a lower rate than you might otherwise find with another lender. But due to the high rates, this loan isn't a good option for debt consolidation — even if you can't qualify for another personal loan. Bad credit borrowers may want to consider other debt-relief options or DIY debt payment strategies.

• Pros and cons

  Pros

  • Accepts poor credit
  • Factors in alternative criteria
  • Secured options for lower rates

  Cons

  • Higher APRs than Best Egg
  • Not ideal for debt consolidation
  • Origination fee as high as 10%

• More details

  Loan amount	$1,500 to $20,000
  APR	18% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not specified
  Turnaround Time	As soon as one hour
  Loan Term	24, 36, 48 or 60 months

• Partner terms and conditions

  <sub>* OneMain Disclosures:
  
  Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
  
  Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
  
  Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
  
  Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
  
  Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.</sub>

• Available in: Alabama, Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Ohio, South Carolina, Tennessee, Texas, Utah, Wisconsin

• Why we like it

  Integra Credit specializes in financing for bad credit borrowers. Its installment loans range from $500 to $3,000 with between 10 and 21 months to repay the funds. These are more costly than Best Egg's personal loans, with rates ranging from 149% to 399%. And while the short loan terms and lack of prepayment penalties can help you save on the high interest rate, it also means your monthly payment might be higher than it would be with Best Egg. Integra only serves some states, so check to make sure it's available where you live before you apply.

• Pros and cons

  Pros

  • Accepts bad credit
  • No prepayment penalties
  • Fully online application

  Cons

  • Higher APRs than Best Egg
  • Not available in all states
  • No terms over 24 months

• More details

  Loan amount	$500 - $3,000
  Interest rate type	Fixed
  Loan Term	10 to 21 months
  Turnaround time	Usually within minutes

Achieve personal loans have comparable interest rates to Best Egg, but it offers several alternatives for rate discounts. Applying with a co-borrower, having the loan proceeds sent directly to creditors or showing proof of sufficient retirement funds can all help you secure a better rate. While Achieve does charge an origination fee of up to 6.99%, it's lower than Best Egg's highest fee of 8.99%. And like Best Egg, it's also not available in every state.

• Available in: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington

• Why we like it

  Achieve personal loans have comparable interest rates to Best Egg, but it offers several alternatives for rate discounts. Applying with a co-borrower, having the loan proceeds sent directly to creditors or showing proof of sufficient retirement funds can all help you secure a better rate. While Achieve does charge an origination fee of up to 6.99%, it's lower than Best Egg's highest fee of 8.99%. And like Best Egg, it's also not available in every state.

• Pros and cons

  Pros

  • Lower origination fees than Best Egg
  • Discount for joint applicants
  • Discount for debt consolidation

  Cons

  • Best rates require excellent credit and loans under $12,000
  • Limited state availability

• More details

  Loan amount	$5,000 to $50,000
  APR	8.99% to 29.99%
  Interest Rate Type	Fixed
  Min. credit score	620
  Turnaround Time	As soon as same business day
  Loan Term	24 to 60 months

Upgrade offers loans as low as $1,000 — one of the smallest loans you can find with a personal loan provider. This makes it a good alternative to Best Egg if you want something under the lender's minimum. Upgrade also offers longer loan terms of up to seven years, versus Best Egg's maximum five-year term. Other than that, Upgrade's starting interest rates are slightly lower but its origination fees are a bit more.

• Not available in: Colorado, Iowa, Maryland, Vermont, West Virginia

• Why we like it

  Upgrade offers loans as low as $1,000 — one of the smallest loans you can find with a personal loan provider. This makes it a good alternative to Best Egg if you want something under the lender's minimum. Upgrade also offers longer loan terms of up to seven years, versus Best Egg's maximum five-year term. Other than that, Upgrade's starting interest rates are slightly lower but its origination fees are a bit more.

• Pros and cons

  Pros

  • Loans as low as $1,000
  • Starting rates slightly lower than Best Egg
  • Longer loan term

  Cons

  • Higher origination fees
  • Must agree to autopay for lower rate
  • Not available in all states

• More details

  Loan amount	$1,000 to $50,000
  APR	7.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	580
  Turnaround Time	1 to 4 business days
  Loan Term	2 to 7 years

• Partner terms and conditions

  Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

Loans through Prosper are similar to Best Egg loans, offering amounts between $2,000 and $50,000, with APRs between 8.99% and 35.99% and loan terms up to five years. But Prosper charges a 1% to 9.99% origination fee which beats Best Egg's highest origination fee of 8.99%. Plus, Prosper only asks for a minimum credit score of 600, whereas Best Egg requires a score of 640.

• Not available in: Iowa, North Dakota, West Virginia

• Why we like it

  Loans through Prosper are similar to Best Egg loans, offering amounts between $2,000 and $50,000, with APRs between 8.99% and 35.99% and loan terms up to five years. But Prosper charges a 1% to 9.99% origination fee which beats Best Egg's highest origination fee of 8.99%. Plus, Prosper only asks for a minimum credit score of 600, whereas Best Egg requires a score of 640.

• Pros and cons

  Pros

  • Similar rates and loan terms as Best Egg
  • Lower origination fee
  • Accepts 600 credit scores

  Cons

  • Potentially longer turnaround time
  • Not available in all states

• More details

  Loan amount	$2,000 to $50,000
  APR	8.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	600
  Turnaround Time	As soon as 1 business day
  Loan Term	2 to 5 years

It may be easier to get a loan with Avant than Best Egg because it accepts borrowers with credit scores as low as 550, as opposed to the 640 requirement from Best Egg. But its origination fees are a bit higher at up to 9.99%. Plus, with APRs ranging from 9.95% and 35.99%, borrowers with good credit or higher may want to consider other lending sources. It also settled lawsuits over its collection practices in 2019 and 2021.

• Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

• Why we like it

  It may be easier to get a loan with Avant than Best Egg because it accepts borrowers with credit scores as low as 550, as opposed to the 640 requirement from Best Egg. But its origination fees are a bit higher at up to 9.99%. Plus, with APRs ranging from 9.95% and 35.99%, borrowers with good credit or higher may want to consider other lending sources. It also settled lawsuits over its collection practices in 2019 and 2021.

• Pros and cons

  Pros

  • Positive customer reviews
  • Accepts fair credit

  Cons

  • Higher starting APRs
  • Larger origination fees

• More details

  Loan amount	$2,000 to $35,000
  APR	9.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	550
  Turnaround Time	As soon as the next business day
  Loan Term	24 to 60 months

• Partner terms and conditions

  Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.

SoFi offers relatively low rates on personal loans and access to extra perks for members. This includes access to financial advisors, networking opportunities and an entrepreneur program — which comes with seed money and more. SoFi offers fixed-rate loans from 8.99% APR to 29.49% APR, which reflects both autopay and direct deposit discounts and is lower than Best Egg's highest rate. But it's unclear if it charges origination fees or not, so borrowers will want to check that before accepting a loan. And it's harder to qualify with this lender than Best Egg, requiring a credit score of at least 680.

• Available in all states

• Why we like it

  SoFi offers relatively low rates on personal loans and access to extra perks for members. This includes access to financial advisors, networking opportunities and an entrepreneur program — which comes with seed money and more. SoFi offers fixed-rate loans from 8.99% APR to 29.49% APR, which reflects both autopay and direct deposit discounts and is lower than Best Egg's highest rate. But it's unclear if it charges origination fees or not, so borrowers will want to check that before accepting a loan. And it's harder to qualify with this lender than Best Egg, requiring a credit score of at least 680.

• Pros and cons

  Pros

  • Rate discounts available
  • Member benefits
  • Competitive rates

  Cons

  • Higher minimum credit score than Best Egg
  • Origination fees unclear
  • Not available in Mississippi

• More details

  Loan amount	$5,000 to $100,000
  APR	8.99% to 29.49% fixed APR
  Interest Rate Type	Fixed
  Min. credit score	680
  Turnaround Time	Up to 2 business days
  Loan Term	2 to 7 years

• Partner terms and conditions

  Fixed rates from 8.99% APR to 29.99% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 3/06/23 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. 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 above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and 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 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, 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 receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

If you're looking for a smaller loan than most personal loan lenders offer — and you want to avoid a pricey payday loan — consider a cash advance app like EarnIn. EarnIn offers cash advances up to $750 per pay period, and it doesn't charge interest or late fees, making it a more affordable option. It also doesn't charge subscription fees — a common component of other cash advance apps. But you can only request up to $150 a day, and the loan is due on your next payday

• Not available in: Connecticut

• Why we like it

  If you're looking for a smaller loan than most personal loan lenders offer — and you want to avoid a pricey payday loan — consider a cash advance app like EarnIn. EarnIn offers cash advances up to $750 per pay period, and it doesn't charge interest or late fees, making it a more affordable option. It also doesn't charge subscription fees — a common component of other cash advance apps. But you can only request up to $150 a day, and the loan is due on your next payday

• Pros and cons

  Pros

  • Loans up to $750
  • No interest or late charges
  • No monthly subscription fees

  Cons

  • Can only request $150 per day
  • Fee for instant funding transfers

• More details

  APR	0%
  Loan amount	Up to $150/day, with a max of $750 between paydays
  Loan Term	1 to 4 weeks
  Turnaround time	1 to 3 business days or within minutes for a fee starting at $2.99 per transfer

• Partner terms and conditions

  EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.