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Scoreboard · Personal loans
Personal Loan Scoreboard: Every Lender, Same Five Criteria
Most "best personal loans" lists rank by who pays the most. This one scores seven lenders on five published criteria, labels which rows pay us, and names the situations where each one actually wins. Our partner Upstart takes the fair-credit and thin-file slots; it loses the no-fee slot, and we say so.
Our take in 10 seconds
There is no best personal loan, only the best one for your credit tier and your file. Under about 680, Upstart's education-and-employment underwriting is the strongest approval odds with honest pricing. At 720+, no-fee prime lenders win on pure math and we send you there. Bad credit with a car or savings to pledge points to a secured option.
Paid partner link. Scored on the same rubric as every other option below.
The scoreboard
Every option, scored 1–10 on the same five criteria
Scores and facts last verified September 5, 2026. Sorted by overall score. Rows marked Partner pay us a commission if you apply through them and are scored on exactly the same rubric. Non-partners are here because they belong here; we don't link to them.
Your credit · tap to highlight what fits
Upstart PartnerFits you
Best for: Fair credit & thin files
8.0/10
Min credit~300+ considered
Fees0–12% origination
Amounts$1k–$50k
FundingOften next day
Cost6
Access9
Speed9
Transparency8
Fit8
Why this score: Loses cost points to origination fees; wins access and speed for underwriting that reaches into the 500s and funds next day.
Origination fee 0–12% on many loans, but approvals reach into the 500s and thin files price on more than the number. Soft-pull rate check, funding often next day.
Why this score: No fees and large amounts earn the cost score; prime-only underwriting caps access.
No fees, amounts up to $100k, unemployment protection. Underwrites for prime borrowers with solid income.
Not a partner · pays us $0 · no link by policy
AvantFits you
Best for: Lower fair credit
6.4/10
Min credit~550+
FeesAdmin fee
Amounts$2k–$35k
FundingNext day
Cost5
Access8
Speed8
Transparency6
Fit5
Why this score: Reliable approvals in the high 500s, but pricing and limited amounts hold it back.
Administration fee and higher rates, but consistent approvals in the high 500s. A fallback, not a first choice.
Not a partner · pays us $0 · no link by policy
OneMain FinancialFits you
Best for: Bad credit, secured loans
6.4/10
Min creditNo stated min
FeesOrigination fee
Amounts$1.5k–$20k
FundingSame day at branch
Cost4
Access9
Speed7
Transparency6
Fit6
Why this score: Highest access via branches and secured loans; among the most expensive unsecured pricing.
Branch-based, considers scores under 600, secured loans against a vehicle lower the rate. Expensive unsecured pricing.
Not a partner · pays us $0 · no link by policy
Best EggFits you
Best for: Fair-to-good, quick funding
6.4/10
Min credit~600+
FeesOrigination fee
Amounts$2k–$50k
Funding1–3 days
Cost6
Access6
Speed8
Transparency7
Fit5
Why this score: Competitive mid-tier lender; rarely cheapest and not built for thin files.
Origination fee, mid-tier minimums, fast decisions. Competitive in the 640–700 band but rarely the cheapest.
Not a partner · pays us $0 · no link by policy
Match your situation
Before you accept an Upstart offer
Getting approved and getting funded are two different steps, and most people who lose the loan lose it in between. Three things that decide it:
Ask for what your score supports. Under a 660 score, $5,000 to $15,000 gets approved far more often than $25,000 and up. A smaller request usually means a real offer instead of a decline.
Accept and verify the same day. Offers expire. Have a recent pay stub or bank statement ready to upload, and answer the verification email or call quickly.
The origination fee comes out of the deposit. It runs 0% to 12%. A $10,000 loan with an 8% fee puts $9,200 in your account, so size the request with the fee in mind.
Paid partner link · WiseIQ earns a commission if you apply. Soft-pull rate check; checking does not affect your credit.
How we score
The five criteria
CostRates and fees relative to the credit tier served. Origination and admin fees weigh heavily.
AccessHow far down the credit ladder the product actually approves, and how it treats thin files.
SpeedTime from application to money, quote, or first reported payment.
TransparencyClear pricing before a hard pull, plain disclosures, no bait terms.
FitHow many real situations it serves well, not just the ideal customer.
Scores use published terms, our own application tests, and reader reports. Facts are re-checked quarterly and after any partner change. Full method on our how we rank page.
Who gets paid on this page
Upstart — if you check your rate and take a loan through our linkpays us a commission
Every other company discussedpays us $0
If that changes, this box changes the same day. How we rank →
Questions
FAQ
How are the lenders scored?
Each lender gets a 1–10 score on cost, access, speed, transparency and fit, using published terms and our own application tests. The five scores are averaged into the overall. Partners are scored on the same rubric and labeled.
Your partner is ranked first overall. Should I trust that?
Check the columns, not just the average. Upstart tops the overall because access and fit weigh the same as cost in our rubric and it serves the widest range of borrowers. On cost alone it is mid-pack and LightStream wins. If your credit is 720+, ignore the overall and use the cost column; we say the same thing in the picks table.
What credit score do you need for a personal loan?
Depends on the lender: prime lenders want roughly 680+, fair-credit lenders start around 580–600, and a few consider lower with collateral. Use the 'best for' column to match your tier.
Are origination fees worth paying?
Only when they buy an approval or rate you can't get elsewhere. At 720+ you should never pay one. Under 680, a fee-charging lender with a real approval often beats a no-fee lender's decline.
How often is this scoreboard updated?
We re-check terms quarterly and after any partner change. The 'who gets paid' box on this page updates the same day a relationship changes.