Reprise Financial offers a lower {{reprise-financial-personal-loans.features.interest_rate.value}}% APR floor and accepts visa holders, while OneMain Financial accepts cosigners, offers secured loans backed by vehicle collateral, and maintains a nationwide branch network.

Reprise Financial caps origination fees at {{reprise-financial-personal-loans.features.origination_fee_pct.value2}}% and accepts applicants with a 600 VantageScore or visa holder status, while Upstart offers a lower {{upstart-personal-loans.features.interest_rate.value}}% APR floor, loans from {{currency upstart-personal-loans.features.loan_amount.value}}, and AI-driven underwriting.

Happy Money caps APR at {{happy-money-personal-loans.features.interest_rate.value2}}% on loans designed for debt consolidation, while Upstart offers a lower {{upstart-personal-loans.features.interest_rate.value}}% APR floor, loans from {{currency upstart-personal-loans.features.loan_amount.value}}, and AI-driven underwriting.

Personify Financial’s APR can reach {{personify-financial-personal-loans.features.interest_rate.value2}}% on loans up to {{currency personify-financial-personal-loans.features.loan_amount.value2}} with no cosigner option, while OneMain Financial caps APR at {{onemain-financial-personal-loans.features.interest_rate.value2}}%, lends up to {{currency onemain-financial-personal-loans.features.loan_amount.value2}}, and accepts cosigners or vehicle collateral for lower rates.

OneMain Financial specializes in fair-to-poor credit (typically below 660 FICO) and accepts cosigners, while Avant offers a lower APR floor of {{avant-loans.features.interest_rate.value}}%, larger loans up to {{currency avant-loans.features.loan_amount.value2}}, and a strongly recommended SuperMoney community rating.

OneMain Financial specializes in fair-to-poor credit (typically below 660 FICO) and accepts cosigners, while Upstart offers a lower APR floor of {{upstart-personal-loans.features.interest_rate.value}}% and larger loans up to {{currency upstart-personal-loans.features.loan_amount.value2}}.

LendingPoint caps origination fees at {{lending-point-personal-loans.features.origination_fee_pct.value2}}% and offers terms up to {{lending-point-personal-loans.features.loan_term_range__months_.value2}} months, while Upstart has a lower APR floor of {{upstart-personal-loans.features.interest_rate.value}}% and a wider loan range of {{upstart-personal-loans.formatted.loan_amount}}.

Oportun approves borrowers with no credit history and funds loans as small as {{currency oportun-personal-loans.features.loan_amount.value}}, while Upstart offers APRs from {{upstart-personal-loans.formatted.interest_rate}} and loans up to {{currency upstart-personal-loans.features.loan_amount.value2}}.

Most personal loan lenders require a minimum credit score of 580–600, with competitive rates beginning around 670 and the best rates reserved for borrowers at 720 or above.

There is no minimum credit score required to buy a car — but your score determines the interest rate you pay, which can mean the difference of tens of thousands of dollars over the life of a loan.