Your guide to smarter lending

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8.5% APR Up to $500k 360 months home_equity Spring EQ

Spring EQ offers competitive home equity loans and HELOCs with flexible borrowing options, making it a solid choice for homeowners looking to leverage their equity.

Up to $250k 18 months Business Line of Credit American Express

Kabbage offers a quick and flexible line of credit for small businesses, with fast funding options. However, borrowers should be aware of the potential costs associated with the monthly fee model.

4.15% APR Up to $500k student_refinance Earnest

Earnest offers flexible student loan refinancing options without fees, making it a solid choice for borrowers seeking control over their repayment terms.

5.99% APR Up to $40k 60 months debt_consolidation Payoff

Payoff is exclusively for credit card debt payoff — they send funds directly to your credit card companies. The FICO score tracking and financial wellness tools are genuine value-adds.

7.95% APR Up to $40k 60 months Personal (CC Payoff) Happy Money

The Payoff Credit Card Payoff Loan is a solid option for those looking to consolidate high-interest credit card debt with lower rates and financial wellness tools.

4.89% APR Up to $500k 240 months student_refinance Citizens Bank

Citizens Bank is one of the few top-20 banks offering competitive student loan refinancing. Loyalty discount (0.25%) for existing customers and one of the highest max amounts ($500K).

3.99% APR Up to $100k 84 months auto myAutoloan

With rates as low as 3.99%, myAutoloan offers for borrowers looking to compare multiple lenders quickly. However, be aware of the maximum APR of 24.99%, which can be steep for those with lower credit scores.

7.95% APR Up to $40k 60 months Personal (Debt Consolidation) Happy Money

Happy Money offers a solid option for consolidating credit card debt, with competitive rates and a focus on customer well-being.

6.875% APR Up to $3M 360 months mortgage Rocket Mortgage

Rocket Mortgage offers a streamlined online application process and quick approvals, making it a convenient choice for homebuyers and those looking to refinance.

4.44% APR Up to $500k 180 months student_refinance CommonBond

CommonBond combines competitive refinance rates with a social mission — each loan funds education for a student in need. Rates start at 4.44% for well-qualified borrowers.

6.99% APR Up to $40k 72 months debt_consolidation Marcus by Goldman Sachs

Marcus stands out for its true no-fee structure — no origination fee, no prepayment penalty, no late fees on first missed payment. Backed by Goldman Sachs.

7.74% APR Up to $50k 84 months Personal Upgrade

Upgrade Personal Loans offers flexible borrowing with competitive rates, but be mindful of potential high APRs for lower credit scores.

2.99% APR Up to $200k 180 months student Sallie Mae

Sallie Mae offers a flexible range of private student loans with competitive rates, making it a solid choice for many borrowers.

5.24% APR Up to $150k 84 months car_finance DCU (Digital Federal Credit Union)

DCU Auto Loan provides competitive rates and flexible terms for borrowers looking to finance a vehicle.

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