Top picks for personal loans - Roost
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Find the loan that works best for you.

Loan Amount
$5,000 – $100,000
APR
5.99% – 20.69%
Credit Score
No minimum – average 670+

Product details

  • No origination fees.
  • No pre-payment fees.
  • No late fees.*
  • Unemployment Protection – If you lose your job, they will temporarily pause your payments and help you find a new job.
  • Fixed rates from 5.99% to 20.69% APR (with AutoPay).
  • Mobile App enables access to your loan.

To qualify:

  • You are at least the age of majority in your state and able to enter into a binding contract.
  • You are a US citizen, permanent resident or visa holder.
  • Need to have a credit score of 670, typically look for 700 or higher…
  • Minimum annual income of $45,000.

Terms and conditions

Fixed rates from 5.99% APR to 20.69% APR (with AutoPay). SoFi rate ranges are current as of February 11, 2021 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

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Loan Amount
Average loan is $10,000
APR
6.94% – 35.97%
Credit Score
580+

Product details

  • View your offers in minutes.
  • Low, fixed-rates, so the rate will never go up on you.
  • No prepayment fees, so you can pay your loan off at any time.
  • Payment flexibility; you can change your payment date to work best for your budget.
  • Rate discount for autopay.
  • Allows secured, co-signed and joint loans.

To qualify:

  • Minimum credit score: 580.
  • No minimum annual income, however average borrower is over $85,000.
  • 3 years minimum credit history.
  • Monthly cash flow of $800+

Terms and conditions:

Personal loans made through Upgrade feature APRs of 6.94%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s lending partners. Information on Upgrade’s lending partners can be found at https://www.upgrade.com/lending-partners/. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

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Loan Amount
$1,000 – $50,000
APR
8.27% – 35.99%
Credit Score
580+

Product details

  • Borrowers with little or no credit can apply.
  • Available in all 50 states.
  • 16% lower rates than traditional models*
  • 99% of applicants get money just 1 business day after accepting their loans**
  • No prepayment penalty: You may pay off part or all of the loan at any time with no fee.

To qualify:

  • Minimum credit score: 580.
  • Minimum income of $12,000/year.
  • Proof of employment or offer thereof. 
  • Have a current bank account and email. 

Terms and conditions

*As reported by the Consumer Financial Protection Bureau, based on an internal Upstart study which compares outcomes from Upstart’s underwriting and pricing model against outcomes from a hypothetical model that uses traditional application and credit file variables and does not employ machine learning (traditional lending model). ** If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.

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