Best Egg edges Prosper on price with a lower APR floor and a lower origination fee ceiling, while Prosper offers nearly twice the tenure plus DC coverage and disclosed late fee terms. Both score mostly recommended on SuperMoney, so the decision rests on whether you weight cost margin or platform tenure more heavily.

Upstart serves prime and fair-credit borrowers (620+) with APRs starting at {{upstart-personal-loans.features.interest_rate.value}}% and loans up to {{currency upstart-personal-loans.features.loan_amount.value2}}, while OppLoans serves credit-impaired borrowers (400-620) with installment loans at {{opportunity-loans.formatted.interest_rate}} up to {{currency opportunity-loans.features.loan_amount.value2}}. The decision usually isn’t preference — it’s credit access. If you qualify for Upstart, take it; OppLoans exists as a less-expensive alternative to payday lenders for borrowers who can’t access traditional credit.

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}}.