Simply enter the purpose of the loan, the amount you need, your estimated credit score, and the state you reside in to instantly view loan companies available to accept your application online right now.
You’ll need excellent credit, proof of significant income, and substantial assets to qualify.
On the plus side, however, Light Stream does offer flexible terms from 24 to 84 months and there are no fees. Advertised rates and terms are subject to change without notice. Prosper, though it requires a minimum credit score of 640, offers unsecured personal loans from ,000 to ,000 and competitive APRs from 5.99% to 35.99%.
* Rate is quoted with Auto Pay discount, which is only available when you select Auto Pay prior to loan funding. If your application is approved, your credit profile will determine whether your loan will be unsecured or secured. Prosper takes into account a range of factors other than your credit history when determining your APR.
All of this information as well as a clear description of the streamlined lending process can easily be found on their clean, transparent site experience.
Lending Club also requires a minimum credit score of 600 and has slightly stricter criteria for making a loan than other leading debt consolidation loan companies, including a stricter debt-to-income ratio and more reliance on credit history.