Best Personal Loans For Students - Written by Raija Haughn Written by Raija HaughnArrow True Raija Haughn is an associate writer for specializing in personal loans and home equity. She is passionate about helping people make financial decisions that will benefit them in the long run. Raija Haughn
Edited by Aylea Wilkins Editing by Aylea WilkinsArrow Right Loans Editor, Former Insurance Editor Aylea Wilkins is an editor specializing in personal loans and home equity. She previously worked editing content on auto, home and life insurance. She has edited professionally for almost ten years in a variety of areas with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information. Aylea Wilkins
Best Personal Loans For Students
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When choosing a personal loan, it is important to find a lender that meets your needs and offers the best conditions for you. From financing terms and repayment terms to additional fees and APR rates, there are many angles to consider when choosing a lender. Different lenders do different things well, and it can be difficult to find the best options on your own.
That's why we've put together the following group of personal loan lenders, each offering the best service for a particular category or feature. We evaluated over 30 lenders using our objective and thorough scoring system and selected winners in various categories. Our goal is to help you find the loan with terms that work best for your specific needs. Whether you're looking to consolidate debt or need money for a home improvement project, we can help you find the right loan.
How we chose these lenders: we gave the most weight to low APRs and the best overall scores We used factors like fastest financing, minimum credit scores and long repayment terms. We evaluated overall availability, affordability and customer experience with an emphasis on online tools and bonus features.
Where To Get A Personal Loan
Upstart offers personal loans with a minimum loan amount of $1,000 and low minimum APRs. This lender provides same business day application approval and next business day financing. The process can be completed entirely online. Upstart has no minimum credit score requirement, making this lender an ideal choice for borrowers with bad credit (300-579).
The winner of the best personal loans for borrowers with bad credit needed to score the highest scoring criteria among lenders offering loans for this range of credit.
Best Egg offers personal loans with a minimum loan amount of $ 2 000. Applications are approved on the same business day and funding is typically available until the next business day. Best Egg requires a debt-to-income ratio below 30 percent. The process can be completed entirely online. Best Egg requires a minimum credit score of 640.
The winner of the best personal loans for borrowers with fair credit needed to achieve the highest scoring criteria among lenders offering loans for this credit range.
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Figure offers personal loans with a minimum deposit amount of $5,000. Applications can be approved in as little as 5 minutes, and borrowers typically receive funding in as little as 1 to 2 business days. This lender has few fees, it only charges an origination fee of up to 3 percent depending on the state from which you apply. The process can be completed entirely online. The figure requires a minimum credit score of 680, so it is the best option for borrowers with good credit (670-799).
The winner of the best personal loan for borrowers with good credit needed to achieve the highest scoring criteria among lenders offering loans for this credit range.
Axos offers personal loans with a minimum loan amount of $5,000. Applications can be approved the same business day and funds are typically available within 1 to 2 business days. This lender only charges an origination fee of up to 2 percent without any other fees mentioned. The process can be completed entirely online. Axos requires a minimum credit score of 720, making this lender ideal for borrowers with excellent credit (800+).
The winner of the best personal loans for borrowers with excellent credit needed to achieve the highest scoring criteria among lenders offering loans for this range of credit.
When Are Personal Loans A Good Idea?
LightStream has the longest repayment period of the lenders we evaluated at up to 12 years, as well as same-day delivery and a low minimum APR. LightStream requires borrowers to take out a loan of at least $5,000, but does not charge fees. The loan amount can go up to $100,000, making this loan an option even for major renovations.
To choose the winner for the best personal home improvement loan, evaluate each lender based on the length of the repayment period, the speed of delivery of the funds and the annual percentage ratings. The lender with the highest average from the three categories won.
LightStream offers one of the lowest minimum APRs for personal loans. It costs no additional fees and offers participation in a Rate Beat program. This program allows you to get a rate 0.1 percentage points lower than the unsecured loan of a competing lender. The entire loan process can be completed online. While LightStream offers repayment periods of up to 12 years for home projects, it still offers one of the longest repayment periods for other loan products at seven years.
Choose the best personal loan based on low introductory APRs and low payments. To determine how the winner was calculated, we looked at how much the fees added to the total cost of the loan.
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Marcus from Goldman Sachs offers a fast and convenient online lending experience. The entire process can be completed online, and the lender offers online account access and an app. Loan amounts range from $3,500 to $40,000, and customer service is available seven days a week. Funds are available in as little as three days. The website is easy to navigate and includes a detailed resource section to help borrowers understand their options.
To determine the best online lender for a personal loan, just compare online lenders and choose the one that has it
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