Compare Personal Loan Lenders With Tripoint Lending

Shopping for a personal loan gets confusing fast, and Tripoint Lending hears that from borrowers every day. One lender advertises a low starting rate, another promises money tomorrow, and a third quietly takes a fee out of the check before you ever see it. This page puts twenty widely used U.S. personal loan lenders on the same grid so you can see, in plain numbers, how their published loan amounts, APR ranges, repayment terms and funding speeds stack up.

A quick note on who we are: Tripoint Lending (some people search for us as tri point lending, others as Tripoint loans) is a free loan-connection service, not a lender. We match borrowers who need $500 to $5,000 with lenders in our network, and those lenders make every credit decision. Several companies below may or may not participate in our network at any given time; we include them because a fair comparison should cover the whole market, not only the names we work with. Tripoint Lending wrote these profiles to give you a clear personal loan comparison you can check for yourself.

How to Use This Lender Comparison

Use the summary table to shortlist three or four lenders whose loan sizes and credit focus match your situation, then read each profile for fees, quirks and state limits before checking any rates.

Every figure on this page is drawn from what each lender currently publishes on its own site or in its disclosures, restated in our words. Lenders change their ranges often, sometimes several times a year, and many set different limits by state. Treat each number as a starting point and confirm it on the lender's own disclosures before you apply. Where a lender does not publish a figure, we say so instead of guessing. The Tripoint Lending editorial team rechecks these personal loan figures regularly, but the lender's own disclosure always wins if the two differ.

Tripoint Lending does not rank lenders by payment or partnership; the order below simply groups them by the credit profile each one tends to serve. Three ideas make the table easier to read:

• APR is the comparison number. The annual percentage rate folds interest and most upfront fees into one figure. Our plain-English APR definition explains why two loans with the same interest rate can carry different APRs.
• The low end of an APR range is for the strongest applicants. Most borrowers land somewhere in the middle or upper part of the range.
• Minimum loan size matters. If you only need $1,500, a lender whose smallest loan is $5,000 is not a real option, no matter how low its starting rate looks.

Personal Loan Lenders at a Glance

Published ranges vary widely: mainstream online lenders top out near 35.99% APR, while a few lenders built for thin or damaged credit publish APRs well above 99%, so the right row depends on your credit and loan size.

Figures are as published by each lender, can change at any time and should be verified directly before you apply. Ranges are not offers, and Tripoint Lending cannot promise that any lender will approve a given request.

Lenders for Good Credit

Borrowers with credit scores in the upper 600s and above usually get the lowest rates from Upgrade, Upstart, Happen Bank, Best Egg, Prosper, Achieve, Happy Money and Reach Financial, though several set minimum loan sizes above $2,000.

Upgrade

Upgrade is one of the larger online personal loan lenders and publishes amounts from $1,000 to $50,000, with APRs from 7.74% to 35.99% and terms stretching from two to seven years. Once your verifications clear, the company says funds usually go out within one business day, though direct payments to creditors for a consolidation loan can take up to two weeks to land.

The main cost to watch is the origination fee, which Upgrade lists at 1.85% to 9.99% and subtracts from the loan before it reaches you. On a $3,000 personal loan with a 6% fee, you would receive about $2,820 but repay the full $3,000 plus interest, so ask for slightly more than you need if the fee is unavoidable. Upgrade allows joint personal loan applications and offers rate discounts for autopay and direct creditor payment. Its $1,000 floor makes it a practical choice for modest needs, and its long maximum term lowers monthly payments at the price of more total interest. Borrowers with fair-to-good credit who want flexibility on term length tend to fit best here.

Upstart

Upstart is known for weighing education, work history and income alongside a credit report, which can help applicants with short credit files. It publishes personal loans of $1,000 to $50,000 at APRs of roughly 6.7% to 35.99%, with only two term choices: three or five years. A few states carry higher minimums, including Georgia, Hawaii and Massachusetts.

Funding is quick. If you accept your loan before 5 p.m. Eastern on a business day, Upstart sends the money the next business day, and your bank's processing time decides when it becomes usable. Origination fees can be significant; the company's own example shows a fee above 8% on a mid-size loan, so compare the amount you will actually receive, not just the APR. The limited term menu is the biggest trade-off. Someone who wants to clear a $2,000 balance in twelve months will not find that option here and may pay more interest by stretching it to three years. Upstart works best for younger personal loan borrowers or recent graduates with solid income but limited credit history.

Happen Bank (formerly LendingClub)

LendingClub recently rebranded as Happen Bank as it expanded into full digital banking, and its personal loan product carried over largely unchanged. Published figures run from $1,000 to $75,000, with APRs of about 5.96% to 35.99% and terms of two to seven years. The lender reports that most approved loans are disbursed within about 24 hours.

An origination fee of up to 8% may apply and comes out of your proceeds. A notable strength is joint applications: adding a co-borrower with steadier income can improve both approval odds and pricing. The bank also offers direct payment to creditors for consolidation, which removes the temptation to spend the money elsewhere. Because existing account holders may see relationship perks, people who already bank there should check for any rate benefit. The very high ceiling is irrelevant for most small borrowers, but the $1,000 minimum keeps it within reach of someone covering a car repair or medical bill. Best suited to borrowers with fair-to-excellent credit, particularly couples applying together for a personal loan.

Best Egg

Best Egg publishes personal loans from $2,000 to $50,000 at 6.99% to 35.99% APR, with terms of 36 to 60 months. The company says about half of its customers receive funds the next day, and most deposits arrive within one to three business days after verification. Some states set higher minimums, and residents of a handful of states and U.S. territories cannot borrow at all.

Origination fees range from 0.99% to 9.99%, and loans of four years or longer carry a fee of at least 4.99%. That detail matters: choosing a three-year term over a five-year one can lower the fee as well as total interest. With a $2,000 floor and a 36-month minimum term, Best Egg is a weaker match for someone who wants a $1,000 loan repaid within a year. It shines for personal loan borrowers with good credit and reliable income who are consolidating a few thousand dollars of card debt and want predictable fixed payments over three years. Best Egg also offers a secured option tied to home fixtures in some cases, which we do not cover here.

Prosper

Prosper runs a marketplace model in which investors fund loans that the platform underwrites. Its published personal loans span $2,000 to $50,000 at fixed APRs of 8.99% to 35.99%, with terms from two to six years. The company says money can arrive as soon as one business day after you complete its requirements.

Prosper lists origination fees among its possible charges but does not publish a single percentage on its main loan page, so review the fee line on your offer carefully. Joint applications are accepted, which can help a borrower with fair credit qualify alongside a partner. Because loans are funded through the marketplace, a small share of applicants may wait slightly longer for listing and funding than with a direct lender. Prosper fits personal loan shoppers with fair-to-good credit who need a mid-size sum and want a term choice between the short and long extremes. For needs under $2,000, a lender with a lower minimum will fit better.

Achieve

Achieve, a company also known for debt resolution services, publishes personal loans from $5,000 to $50,000 at APRs from about 6.25% to 35.99%, with two-, three-, four- or five-year terms. Its site states funds are typically sent within 24 to 72 hours after approval.

Achieve advertises rate discounts, for example for adding a co-borrower or sending part of the loan directly to creditors, and many applicants use it for consolidation. Its main loan page does not spell out an origination fee, so check the fee section of any offer. The $5,000 minimum is the key limitation for small personal loan borrowers: someone needing $1,500 for a dental bill is outside its range. Achieve fits borrowers with good credit carrying $5,000 or more in card balances who want a structured payoff plan, especially those who value its consolidation tools and the option of a co-borrower discount. For smaller balances, the lenders above with $1,000 floors are better matches.

Happy Money

Happy Money's personal loans focus almost entirely on one job: paying off credit card debt. It publishes personal loans of $5,000 to $50,000 with fixed APRs from 8.95% to 35.99%, and loans above $15,000 start at a somewhat higher minimum APR. Terms run from two to seven years.

The company does not publish a funding timeframe on its main page. Its origination fee varies with loan amount, term and credit profile and is deducted from proceeds; its own calculator assumes a modest fee for illustration. Because the loan is designed for card payoff, it is not a fit for a vet bill, car repair or other one-time expense. The $5,000 minimum also rules it out for smaller needs. Borrowers with good credit and several card balances who want a single fixed payment and a clear end date are its target audience. If your balance is below $5,000 or your goal is something other than card payoff, look elsewhere on this list.

Reach Financial

Reach Financial is an online lender aimed largely at debt consolidation. According to recent independent reviews of its published terms, it offers personal loans of $3,500 to $40,000 at APRs from about 5.99% to 35.99%, with terms of 24 to 60 months. Its own site loads these figures dynamically, so confirm the current numbers when you check your rate.

An origination fee of up to 8% of the loan amount may apply. Reach does not publish a firm funding timeline, so ask when the money will arrive before you sign. The $3,500 minimum sits above most small emergency needs, so it suits borrowers consolidating several thousand dollars of card or medical debt rather than covering a single bill. Applicants with fair-to-good credit who want a mid-length fixed term will find it a reasonable shortlist candidate. Anyone needing under $3,500 should compare lenders with lower floors first.

Lenders for Fair or Building Credit

Applicants with fair, thin or damaged credit have more choices than they expect, but prices vary enormously, from mainstream caps near 36% APR to triple-digit rates at a few specialty lenders.

If your score is below the mid-600s, our guide to loans for borrowers with bad credit covers how approvals work and what to watch for. Read the profiles below with one rule in mind: a lender that publishes APRs above 36% should be your last option, not your first.

Avant

Avant has long focused its personal loans on borrowers in the fair-credit band. It publishes personal loans of $2,000 to $35,000 with APRs from 9.95% to 35.99% and terms of 24 to 60 months; minimum amounts can be higher in some states. If you are approved by 4:30 p.m. Central on a weekday, Avant says funds generally arrive the next business day by ACH.

The cost to watch is an administration fee of up to 9.99%, taken from your proceeds. On a $2,500 loan, a 7% fee means about $2,325 hits your account. Avant also offers credit cards, and existing customers sometimes see smoother approvals. Its $2,000 minimum means borrowers who need only $800 for a car repair will need another lender. Avant fits people with credit scores roughly in the high 500s to mid 600s who have stable income and want a mainstream lender with an APR cap at 35.99% instead of a high-cost specialty product. Requests for extra documents can slow the decision, so have pay stubs ready.

LendingPoint

LendingPoint publishes personal loans of $1,000 to $36,500 at 7.99% to 35.99% APR, with terms of 24 to 72 months. A separate product line it discloses runs from $500 to $10,000 with terms of 24 to 48 months, which can be helpful for smaller needs. If approved, funds are often sent by ACH on the next business day.

The origination fee can reach 10% depending on your state and may be deducted from the loan, so the deposit can be noticeably smaller than the amount borrowed. LendingPoint places weight on employment and income stability, which can help a borrower whose score is fair but whose job history is steady. It is a sensible personal loan option for someone needing $1,000 to $5,000 who has a consistent paycheck and a score in the high 500s or 600s. Compare the fee carefully: a 10% fee on a short loan raises the effective cost more than the same fee spread over six years.

Universal Credit

Universal Credit is an online lender connected to Upgrade's platform and aimed at borrowers rebuilding credit. It publishes personal loans of $1,000 to $50,000 at APRs from 11.69% to 35.99%, with terms of two to five years, and funding typically about one day after approval. Reviews of its terms note a minimum credit score near 560.

Every loan carries an origination fee, published at 5.25% to 9.99%, so the minimum APR is higher than at prime-focused lenders. On the plus side, sending funds directly to creditors for consolidation can earn a rate discount of one to four percentage points, and autopay earns a further small reduction. Only single-applicant, unsecured loans are offered, so a co-signer cannot help. Universal Credit fits a personal loan borrower with fair or recovering credit who wants to roll several high-rate balances into one fixed payment and is comfortable with a mandatory fee.

Oportun

Oportun serves many personal loan borrowers with little or no U.S. credit history and accepts applications in English and Spanish. It publishes unsecured personal loans of $300 to $10,000, and in a few states it offers vehicle-secured loans of larger amounts. Its sample disclosures show APRs just under 36%, and reviews list terms from about one to five years. Funding typically takes one to four days, with decisions often made the same day.

An administrative fee of up to 10% of principal may apply and is built into the loan. Payments are frequently scheduled every two weeks, which can line up neatly with a paycheck. Oportun does not lend in several states, including New York and a group of others, so check availability first. Its low $300 floor and willingness to consider applicants without a credit score make it a realistic choice for newcomers or people building credit for the first time, provided they can handle a near-36% APR.

OppLoans

OppLoans markets small installment personal loans to borrowers with poor credit or limited income. Its site currently advertises loans up to $4,000, while independent reviews describe a $500 to $5,000 range depending on the state. Reviewers report APRs from roughly 99% to 195% and terms of about nine to 24 months. Funding can arrive the same or next business day.

Those rates make OppLoans one of the most expensive options here. Reviewers estimate that $2,000 borrowed over nine months at a triple-digit APR can cost well over $1,500 in interest, compared with roughly $280 for the same amount over twelve months at 24.99% APR in our representative example. In its favor, OppLoans does not charge origination, late or prepayment fees, reports payments to all three bureaus and lets you adjust your due date. It does not lend in a number of states. Consider it only after mainstream personal loans, credit unions and family options have been exhausted. Tripoint Lending's network focuses on lenders whose offers are disclosed up front, so compare any triple-digit offer against those first.

NetCredit

NetCredit offers both installment loans and lines of credit to borrowers with fair or poor credit. Its site lists personal loans up to $10,000 with terms of 6 to 60 months, and independent reviews put its APRs at roughly 34% to 99.99%, varying by state. Applications approved before a weekday cutoff are typically funded the same business day; later approvals usually fund the next business day.

NetCredit publishes its exact rates by state, so look up your state's terms before applying. The company reports payments to credit bureaus and offers tools to track your score. Its line of credit carries a cash advance fee and statement fees, which work differently from an installment loan, so be clear about which product you are accepting. NetCredit can make sense for someone with poor credit who needs more than the small-dollar lenders offer, but the APR ceiling is far above mainstream lenders. Run the total cost in a calculator before signing, and set it beside any lower-cost personal loan offer you can find.

RISE Credit

RISE Credit offers installment personal loans of $500 to $5,000, depending on the state. Independent reviews report APRs of about 60% to 299% with terms of roughly 7 to 36 months. Applications approved before 6 p.m. Eastern are typically funded the next business day. RISE lends directly in a limited number of states and works with partner banks in others.

On the helpful side, RISE charges no prepayment penalty, publishes a five-day window during which you can return the money with no fees or interest, and lets you adjust payment schedules where state rules permit. The trade-off is cost: even the bottom of its APR range is roughly double the 35.99% cap used by mainstream lenders. A $1,500 balance at 100% APR over a year would cost several times more interest than the same balance at 25%. RISE is best seen as an emergency fallback, not a standard personal loan choice, for borrowers who have been declined elsewhere and need a few hundred to a few thousand dollars quickly.

Lenders With Branch Locations

OneMain Financial, Mariner Finance, Lendmark, Regional Finance and World Finance all run physical branches, which helps borrowers who want to sit down with a loan officer, though their rates are rarely the lowest available.

OneMain Financial

OneMain Financial operates more than 1,300 branches and also accepts applications online and by phone. It publishes personal loans of $1,500 to $30,000 with fixed APRs from 11.99% to 35.99% and terms of 24 to 60 months; some states set their own limits. Funds can arrive in about an hour after closing when sent to an eligible debit card, while ACH deposits or checks generally take one to two business days.

OneMain charges origination fees that vary by state, so the fee line on your offer is important. A distinctive feature is its secured option: pledging a vehicle no more than about ten years old can unlock a larger amount or a lower APR, but you risk losing the car if you fall behind. Unsecured loans generally carry higher rates. OneMain suits personal loan borrowers with fair credit who value face-to-face help, need money quickly and are comfortable weighing the pros and cons of collateral.

Mariner Finance

Mariner Finance combines online lending with a branch network. It publishes personal loans of $1,000 to $25,000, subject to underwriting and state rules, at APRs of 15.99% to 35.99% and terms from 12 to 72 months. Online loans run within a narrower band through a partner bank, while larger or smaller amounts may be handled in a branch. Georgia residents face a higher minimum.

Mariner does not publish a standard funding timeline, though branch closings can often be completed the same day. Origination fees may apply and reduce the cash you receive. One borrower-friendly feature is a 15-day satisfaction window: repay the full amount with certified funds within that period and finance charges are waived. Because its lowest APR is higher than many online lenders, Mariner fits personal loan borrowers with fair credit who want in-person support or who were declined online, rather than those with strong credit hunting for the lowest rate.

Lendmark Financial

Lendmark Financial Services runs more than 550 branches across 24 states, mostly in the South, Mid-Atlantic and parts of the West. Its disclosures cap APRs on new personal loans at 35.99% and list repayment terms of 12 to 72 months. The company does not publish a single loan-amount range on its site; amounts depend on state, credit and whether collateral is used.

Lendmark reports that roughly two out of three recent personal loan applications were approved and funded within one business day, and same-day loans may be possible after online pre-qualification or a branch visit. Collateral may be required for some loans, and covered military borrowers cannot pledge a vehicle. Origination or other allowed fees can apply, and there is no prepayment penalty. Lendmark suits personal loan borrowers in its states who prefer local service and whose credit is fair rather than excellent. Ask the branch for the exact amount and fee before agreeing to a hard credit pull.

Regional Finance

Regional Finance is a branch-based personal loan and installment lender licensed in about 20 states, largely across the South and Southwest. Its site lists personal loans from $600 to $45,000, with the larger amounts available only as auto-secured loans and maximums varying by state. Regional does not publish an APR range or term lengths on its homepage, and funding is described only as quick.

Independent reviews describe advertised APRs in the mid-20s to the mid-30s, with some borrowers reporting higher rates, and terms of roughly one to five years. Because these numbers are not posted by the lender itself, ask for the full Truth in Lending disclosure before you sign. Regional also reports to credit bureaus, so on-time payments can help rebuild a score. It suits borrowers who need a few hundred to a few thousand dollars, live near a branch and want a person to walk them through the paperwork. Compare its APR against online options before committing.

World Finance

World Finance specializes in small, fixed-payment installment loans made through local branches. Its rates-and-terms page describes personal loans from about $450 up to roughly $10,000, with larger amounts in some states requiring a vehicle lien. The company does not publish a national APR range; its sample state example shows APRs from the 30s into triple digits, with terms of about 5 to 16 months. Many applications are decided in about an hour.

The short terms keep total interest in dollars modest for very small loans, but the APR on a few hundred dollars can be high. World Finance reports personal loan payments to credit bureaus and offers tax preparation in many offices. It can be a fit for borrowers with limited or damaged credit who need a small amount, live near a branch and want fixed payments that end within a year. For a personal loan above a couple of thousand dollars, mainstream online lenders capped at 35.99% APR usually cost far less.

How Tripoint Lending Differs From Applying Directly

Tripoint Lending lets you submit one request and see whether lenders in its network can make you an offer, instead of filling out separate applications with each company on this list.

Applying for a personal loan lender by lender has real costs. Each application takes ten to twenty minutes, and if a lender skips soft-pull prequalification, each one may add a hard inquiry to your credit report. With Tripoint Lending, checking personal loan offers uses a soft inquiry that does not affect your credit score. A lender may run a hard inquiry only if you accept an offer and continue with its application.

Tripoint Lending personal loans requests follow a short, predictable path:

1. You tell Tripoint Lending the personal loan amount you need, between $500 and $5,000, along with basic income and contact details.
2. Tripoint Lending passes your request to lenders in its network whose criteria may fit your profile.
3. Any lender that can make an offer shows you its own APR, fees, term and payment, so Tripoint loan matches are always priced by the lender itself.
4. You compare, accept one offer or walk away. The service is free and carries no obligation.

Two honest limits. First, not every lender on this page is in the Tripoint Lending network, so your matches may not include a specific brand you have in mind. Second, Tripoint Lending does not set rates or approve loans; lenders make every credit decision. Anyone researching tri point lending reviews should keep that distinction in mind. For typical pricing across our network, the current rate estimates page lists an estimated range of about 6.99% to 35.99% APR, and the eligibility requirements guide explains what lenders usually look for. Borrowers who search for Tripoint Lending personal loans are often trying to avoid applying five separate times, and that is exactly the problem the service is designed to solve. Tripoint Lending personal loans requests take a few minutes, and you can stop at any point.

What Tripoint Lending will not do is pressure you. You are never required to accept a Tripoint loan match, and ignoring one costs you nothing. If none of the offers beats a quote you already have from one of the lenders above, take that quote. The point of comparing is to land the cheapest suitable credit, wherever it comes from. Borrowers who return to Tripoint Lending personal loans later often say the most useful part was seeing several APRs on one screen, which made the cost differences obvious.

How to Compare Personal Loan Offers Side by Side

Compare offers on total cost and monthly payment, not the headline rate, because fees, term length and payment frequency can make a lower APR loan cost more over its life.

Use this checklist when two or three personal loan offers are in front of you, whether they came through Tripoint Lending or directly from a lender:

• Amount deposited versus amount owed. Subtract any origination fee from the loan amount to see the cash you actually receive.
• APR. The single best apples-to-apples cost figure, since it includes most upfront fees.
• Total repaid. Monthly payment times the number of payments. Lower monthly payments over a longer term almost always mean more total interest.
• Payment schedule. Biweekly payments can suit some budgets but add up to more payments per year.
• Prepayment rules. Most lenders above charge no prepayment penalty, but confirm it.
• Late fees and grace periods. Know the cost of a missed payment before it happens.

Tripoint Lending's representative personal loan example shows how the numbers fit together. Borrowing $2,000 over 12 months at 24.99% APR works out to about $190.08 a month, with roughly $2,280.94 repaid in total and about $280.94 in interest (estimate). Stretch that same $2,000 to 24 months at the same rate and the payment drops to roughly $107, but total interest rises to roughly $560 (estimate). At a triple-digit APR, the interest on a one-year loan can reach more than half of the amount borrowed.

Try your own numbers in the personal loan payment calculator before you accept anything. It takes a minute and often changes which personal loan offer looks best.

Choosing the Right Lender for a Small Personal Loan

Match the personal loan lender to three facts about you: how much you need, how strong your credit is and how fast you need the money, then rule out any lender whose minimum loan or APR ceiling does not fit.

A few personal loan patterns stand out from the twenty profiles above:

• Need under $2,000? Upgrade, Upstart, Happen Bank, LendingPoint, Universal Credit, Oportun, Mariner and the branch lenders publish minimums at or below $1,500. Achieve, Happy Money and Reach start well above that.
• Good credit? Mainstream online lenders with a 35.99% ceiling and low starting rates are where to begin.
• Fair or rebuilding credit? Avant, LendingPoint, Universal Credit and OneMain still cap APRs near 36%, which is far cheaper than triple-digit options.
• Prefer a person across the desk? OneMain, Mariner, Lendmark, Regional and World Finance all have branches.
• Need money today? NetCredit, OppLoans and OneMain's debit-card funding are among the fastest, but speed often comes with higher cost.

Whatever you choose, borrow only what you can repay comfortably from your regular income, keep the term as short as your budget allows, and read the full disclosure before signing. A personal loan is a useful tool when the payment fits your budget; it becomes a burden when it does not. If you would rather see several matching offers at once, Tripoint Lending can help you compare without a separate application for each lender, and Tripoint loan requests are free to submit. People who type tri point lending into a search bar are usually looking for exactly that shortcut, and Tripoint Lending personal loans matches are built around it.

Lender Comparison Questions

Are the lender figures on this page current?

They reflect what each lender publishes at the time we last reviewed them, restated in our own words. Lenders adjust ranges often and many vary by state, so confirm every figure on the lender's own disclosures before applying.

Are all twenty lenders part of the Tripoint Lending network?

No. We include well-known lenders whether or not they participate in our network so the comparison is fair. Offers you see through our service come only from lenders in our network at that time.

Which lender has the lowest rate?

No single lender is cheapest for everyone. Starting APRs near 6% go to applicants with excellent credit and income. Most borrowers should compare actual offers, since pricing depends on credit, income, loan amount and term.

Will comparing lenders hurt my credit score?

Checking offers with a soft inquiry does not affect your score. A hard inquiry usually happens only when you accept an offer and finish a lender's application, and it typically has a small, temporary effect.