Personal Loan Reviews
Read NerdWallet reviews of personal loans, plus cash advance and buy now, pay later apps. Compare loans from multiple lenders to get one with costs and features that match your needs.
Get started with personal loans
NerdWallet's top-rated personal loans
SoFi Personal Loans: 2025 Review
- Multiple rate discounts.
- Fast funding.
- Large loan amounts.
Upgrade Personal Loans: 2025 Review
- Multiple rate discounts.
- Secured and joint loans.
- Mobile app to manage loan payments.
Discover Personal Loans: 2025 Review
- No origination fee.
- Fast funding.
- Direct payment to creditors with debt consolidation loans.
LightStream Personal Loans: 2025 Review
- No fees.
- Rate discount for autopay.
- Long repayment terms and large loan amounts.
Upstart Personal Loans: 2025 Review
- Accepts borrowers with bad credit or thin credit histories.
- Has a low income requirement.
- Fast approval and funding.
Happy Money Personal Loans: 2025 Review
- Option to pre-qualify with a soft credit check.
- Offers direct payment to creditors.
- No late fee.
Best Egg Personal Loans: 2025 Review
- Wide range of loan amounts.
- Secured loan options.
- Direct payment to creditors with debt consolidation loans.
LendingClub Personal Loans: 2025 Review
- Joint loan option.
- Direct payment to creditors with debt consolidation loans.
- Option to pre-qualify with a soft credit check.
NerdWallet rates lenders on a scale from 1 to 5 stars. See our personal loan rating methodology.
More loan reviews by category
SoFi Personal Loans: 2025 Review
- Multiple rate discounts.
- Fast funding.
- Large loan amounts.
Upgrade Personal Loans: 2025 Review
- Multiple rate discounts.
- Secured and joint loans.
- Mobile app to manage loan payments.
Discover Personal Loans: 2025 Review
- No origination fee.
- Fast funding.
- Direct payment to creditors with debt consolidation loans.
LightStream Personal Loans: 2025 Review
- No fees.
- Rate discount for autopay.
- Long repayment terms and large loan amounts.
Happy Money Personal Loans: 2025 Review
- Option to pre-qualify with a soft credit check.
- Offers direct payment to creditors.
- No late fee.
Achieve Personal Loans: 2025 Review
- Multiple rate discounts.
- Direct payment to creditors for debt consolidation.
- Joint loan option.
Other ways to borrow: Buy now, pay later and cash advance apps
Chime MyPay 2025 Review: Cash Advances
Varo Cash Advance 2025 Review
Klover App 2025 Review: Cash Advances in Exchange for Your Data
SoLo Funds 2025 Review: Peer-to-Peer Cash Advances
Empower App 2025 Review: Cash Advances
Sezzle Buy Now, Pay Later: 2025 Review
PayPal Buy Now, Pay Later: 2025 Review
MoneyLion Instacash 2025 Review: Cash Advances
Zip Buy Now, Pay Later: 2025 Review
Brigit 2025 Review: Paycheck Advances
These products have their own rating systems. Read our buy now, pay later rating methodology and cash advance apps rating methodology.
Most recent personal loan reviews
Chime MyPay 2025 Review: Cash Advances
4.0
NerdWallet rating- Advance maximums are the lesser of $500 or 50% of your paycheck.
- Funds available within one day.
- Low fees for instant funding.
No-Credit-Check Loans in 2025
No-credit-check loans are easy to get but should usually be considered after lower-cost alternatives.
8 Top Car-Buying Apps
Buying a car can be complicated. These apps offer unique features and helpful tools that can simplify the process.
Santander Personal Loans: 2025 Review
- No origination fee.
- Direct payment to creditors with debt consolidation loans.
- Mobile app to manage loan.