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4 Top Personal Loan Companies of 2024
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Upstart
- Loan amounts $1,000-$50,000
- Upstart is a company that uses a nontraditional underwriting process to approve borrowers.
- Rather than making approval decisions based solely on the applicant’s income and credit score, the company will often take employment history and education into consideration.
- Upstart personal loans are currently available in all states except Iowa.
- Upstart will often accept borrowers with little credit history. You can also check your rate in under five minutes and receive funds as soon as one business day after approval.
Upgrade
- Loan amounts $1,000-$50,000
- Upgrade is an American financial technology company that offers personal loans.
- Upgrade allows customers to get personal loans via three fast and easy steps — check your rate, choose from multiple loan options, and get your funds distributed quickly once verification has been processed.
- If you apply and are approved, Upgrade delivers fast funding within 24 hours of clearing verifications.
- As the company has relatively low minimum credit score requirements, you can often get a personal loan with bad or fair credit.
Happy Money
- Loan amounts $5,000–$40,000
- Happy Money is a company that offers a single personal loan product, The Payoff Loan,™ designed to help borrowers consolidate their credit card debt and raise their credit scores.
- Happy Money offers fixed, low rates with only one fee — an origination fee up to 5%.
- Happy Money personal loans are currently available in all states except Massachusetts and Nevada.
- The Payoff Loan™ has no application fees, late payment fees, returned check fees, or hidden fees. You can check your rate in two minutes or less, and Happy Money even shows you multiple repayment plans so that you can choose the best option for your needs.
Universal Credit
- Loan amounts $1,000-$50,000
- Universal Credit is an online lending platform that offers personal loan products. The company makes it easy for customers to get a personal loan. Simply answer a few questions to check your rate without any impact to your credit. Next, compare multiple loans and choose an option.
- After accepting your offer and being approved, you can receive your funds within 24 hours of being cleared.
- Universal Credit personal loans have fixed interest rates and set monthly payments. There are also no prepayment fees or hidden fees. Universal Credit also accepts many users with bad or fair credit.