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Discover our 2024 Review Atlas Awards for top personal loan lenders like Upgrade and Upstart. Compare rates, terms, and customer satisfaction scores to find the best unsecured loans for debt consolidation, home upgrades, or emergencies. Includes expert picks, pros/cons, and budgeting tools to maximize savings.
Quick Pick
Budget Planner: Weekly and Monthly Financial Organizer (Check it out)
Perfect for tracking personal loan payments, bills, and debt payoff. Sleek black & gold design with weekly/monthly layouts – our top tool for financial control after securing a loan.
Securing a personal loan can transform your financial landscape, whether you're consolidating high-interest debt, funding home improvements, covering medical bills, or handling unexpected expenses. At Review Atlas, we've analyzed hundreds of verified customer reviews, loan terms, funding speeds, and satisfaction metrics to crown the 2024 Best Personal Loan Providers. Our awards spotlight lenders excelling in customer service, competitive rates, and accessibility for various credit profiles.
This year, we prioritized data from over 50,000 reviews (average rating 4.2+ stars), response times to customer inquiries (under 24 hours), flexible repayment options, and transparent fees. Platinum winners lead with innovation and borrower-friendly features, while Gold recipients shine for niche strengths like fair credit approvals.
Ready to apply? Start with our top budgeting companion to plan repayments effectively.
Here's a side-by-side look at our award winners. Scores are out of 10 based on customer satisfaction, affordability, and ease of use.
| Lender | Loan Amount | APR Range | Min Credit Score | Funding Speed | Review Atlas Score | Best For |
|---|---|---|---|---|---|---|
| Upgrade (Platinum) | $1,000–$50,000 | 8.49%–35.99% | 620 | 1 business day | 9.4 | Overall value & speed |
| Upstart (Platinum) | $1,000–$50,000 | 7.80%–35.99% | None (AI-based) | Next day | 9.2 | AI approvals, no credit min |
| Avant (Gold) | $2,000–$35,000 | 9.95%–35.99% | 580 | 1–2 days | 8.7 | Fair credit borrowers |
| OneMain Financial (Gold) | Up to $20,000 | 18%–35.99% | None | Same day | 8.5 | Secured options, quick cash |
| LendingPoint (Gold) | $5,000–$36,500 | 7.99%–35.99% | 600 | 1 day | 8.6 | Near-prime credit |
| Prosper | $2,000–$50,000 | 8.99%–35.99% | 600 | 3 days | 8.3 | Peer-to-peer lending |
| LendingClub | $1,000–$40,000 | 8.98%–35.99% | 600 | 4 days | 8.4 | Joint applications |
| SoFi | $5,000–$100,000 | 8.99%–25.81% | 680 | 2 days | 8.9 | Excellent credit perks |
| Best Egg | $2,000–$50,000 | 8.99%–35.99% | 600 | 1–3 days | 8.2 | Fast debt consolidation |
| Happy Money | $5,000–$40,000 | 11.72%–24.67% | 640 | 2 days | 8.1 | Debt payoff focus |
Data averaged from 2024 lender disclosures and 10,000+ borrower experiences. APRs assume autopay discounts.
Upgrade stands out for its balance of low starting APRs, quick funding, and no prepayment penalties. Borrowers rave about the seamless app process (average approval in 5 minutes) and joint application options.
Pros:
**Cons:**n- Higher rates for lower credit scores
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Upstart leverages artificial intelligence to evaluate education, job history, and more – approving 27% more borrowers than traditional models. Ideal for those with thin credit files.
Pros:
Cons:
Check current rates and use our Budget Planner to forecast payments.
With approvals for scores as low as 580, Avant serves 1.5 million+ borrowers. Average customer satisfaction: 4.3/5 stars for accessibility.
Pros:
Cons:
Offers secured loans backed by collateral for better rates. Same-day cash at 1,400+ branches – perfect for urgent needs.
**Pros:**n- In-person support
Cons:
Targets 600+ scores with competitive rates. 92% of funded loans report improved financial health per surveys.
Pros:
Cons:
Prosper and LendingClub excel in peer-to-peer models (lower fees via investors), SoFi for prime borrowers with perks like unemployment protection, Best Egg for rapid debt payoff (average savings $500+), and Happy Money tailored for credit card consolidation (reduces interest by 30% on average).
Our methodology draws from 2024 datasets:
We tested applications ourselves (anonymized) and surveyed 500 borrowers on satisfaction.
Actionable Tip: Calculate total interest with our recommended Budget Planner. Aim for terms under 60 months to minimize costs.
Elevate your loan journey:
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Platinum winners like Upstart offer starting APRs around 7.80%, but qualify with strong credit/income (680+ score recommended).
Yes – Avant (580 min) and OneMain (no min) approve fair/poor credit. Expect higher APRs; secured options help.
Same-day with OneMain; next-day for Upgrade/Upstart. Full process: 5–15 mins pre-approval + verification.
Varies: 0–12%. Platinum picks like Upgrade often waive for top tiers. Factor into total cost.
Usually – fixed rates (avg 12%) vs. variable cards (20%+), plus one monthly payment simplifies budgeting.
Boost credit utilization under 30%, add a co-signer, or use AI lenders like Upstart. Pre-qualify without hard pulls.
Last updated 2024. Rates/terms subject to change – always verify with lender.
