How This Comparison Works
This page profiles twelve real online lenders active in small-dollar personal loans, using their publicly advertised ranges — approximate, education-only figures that change often and bind nobody.
Ground rules, stated plainly by SeedFi. The figures are approximations of advertised personal loan ranges, not quotes, and lenders revise them constantly — treat every number here as a calibration point and the lender's own written offer as the only truth. Inclusion is not SeedFi endorsement, and the expensive end of the table is documented precisely so you can recognize it. SeedFi profiles the market rather than only a network, because a borrower who understands the whole landscape reads any single personal loan offer — including ours — more sharply.
What you should take from the page: the realistic APR band for your credit tier (cross-reference the SeedFi rates guide), the personal loan funding-speed norms that make "money tomorrow" a standard rather than a selling point, and a feel for which lender archetypes exist — so when SeedFi Loan offers arrive through a request, each one lands in a mental map instead of a vacuum.
The Side-by-Side Table
Twelve lenders, six columns, one scan: amounts, APR bands, terms, funding speed, and the borrower each is built for — sorted roughly from mainstream pricing to the expensive frontier.
| Lender | Amounts | APR range (approx.) | Terms | Funding | Built for |
|---|---|---|---|---|---|
| OppLoans | $500–$4,000 | ~59%–160% | 9–18 months | Same/next day | Rebuilding credit with steady income |
| Avant | $2,000–$35,000 | ~9.95%–35.99% | 12–60 months | Next day typical | Fair-to-good credit wanting mainstream pricing |
| LendingPoint | $2,000–$36,500 | ~7.99%–35.99% | 24–72 months | Next day typical | Near-prime borrowers with strong income stories |
| OneMain Financial | $1,500–$20,000 | ~18%–35.99% | 24–60 months | Same day possible at branches | Borrowers who want a human across a desk |
| Best Egg | $2,000–$50,000 | ~6.99%–35.99% | 36–60 months | 1–3 days | Good credit consolidating at size |
| Upgrade | $1,000–$50,000 | ~7.99%–35.99% | 24–84 months | Next day typical | Flexible amounts with credit-health tooling |
| Oportun | $300–$10,000 | ~10.07%–35.95% | 12–54 months | Same/next day | Thin files and first-time borrowers |
| NetCredit | $500–$10,500 | ~34%–99.99% | 6–60 months | Same/next day | Higher-risk files that clear nothing else mainstream |
| Upstart | $1,000–$50,000 | ~6.4%–35.99% | 36–60 months | Next day typical | Educated thin files the models underrate |
| Rise Credit | $500–$5,000 | ~60%–299% | 4–26 months | Next day typical | Emergency-only borrowing with a rate-drop feature |
| Integra Credit | $500–$3,000 | ~99%–299% | 6–18 months | Same/next day | Last-resort speed when everything mainstream declines |
| Fig Loans | $300–$750 | ~36%–199% | 4–6 months | 1–2 days | Tiny emergency amounts with credit-building intent |
All ranges approximate and subject to change; state availability varies for every row. SeedFi recommends a second scan down the APR column: the market splits visibly into a mainstream band ending at 35.99%, and a second market beyond it charging multiples more for the same dollars. Knowing which side of that line an offer lives on is the single most valuable reflex this page can install.
Lender Profiles in Depth
Each profile answers the same three questions: who the lender approves, what the borrowing actually costs, and the one clause worth double-checking before signature.
1. OppLoans
Amounts: $500–$4,000 · APR range: ~59%–160% · Terms: 9–18 months · Funding: Same/next day
Best fit: Rebuilding credit with steady income
OppLoans, the consumer brand of OppFi, built its book around borrowers banks turn away: no minimum credit score is advertised, income and banking history carry the personal loan review, and the tradeoff is pricing far above mainstream personal loan ranges. It reports to all three bureaus, which gives a cleanly repaid personal loan real rebuilding value. The discipline it demands: because APRs run high, use the shortest term you can carry and treat early payoff as the plan, not the bonus.
2. Avant
Amounts: $2,000–$35,000 · APR range: ~9.95%–35.99% · Terms: 12–60 months · Funding: Next day typical
Best fit: Fair-to-good credit wanting mainstream pricing
Avant occupies the broad middle of online lending: mid-600s credit scores are its home territory, its personal loan floor of $2,000 covers the upper half of the small-loan range, and its APR band tops out at the familiar 35.99% ceiling. An administration fee up to ~4.75% is the line to check on any personal loan offer, since it's inside the APR but affects the deposit amount. Well-established servicing and a functional mobile app make the repayment months unremarkable — which is the compliment that matters.
3. LendingPoint
Amounts: $2,000–$36,500 · APR range: ~7.99%–35.99% · Terms: 24–72 months · Funding: Next day typical
Best fit: Near-prime borrowers with strong income stories
LendingPoint markets itself on weighing income and employment more heavily than the score alone, which shows in approvals for borrowers whose numbers look better than their history. Terms start at 24 months — long for a small personal loan — so watch total repayment: a low personal loan payment across four years can cost more than a higher one across two. Origination fees vary by state from zero to several percent; the APR line, as always, tells the merged truth.
4. OneMain Financial
Amounts: $1,500–$20,000 · APR range: ~18%–35.99% · Terms: 24–60 months · Funding: Same day possible at branches
Best fit: Borrowers who want a human across a desk
OneMain is the branch-network outlier in an online field: more than a thousand physical locations where personal loan applications finish face to face. Personal loan pricing starts higher than online-only near-prime rivals, and some loans are secured against a vehicle — read that clause with full attention, because secured means repossession risk in exchange for a rate cut. For borrowers who distrust fully-digital processes, the human channel is genuinely worth something; just price the comfort honestly against the alternatives.
5. Best Egg
Amounts: $2,000–$50,000 · APR range: ~6.99%–35.99% · Terms: 36–60 months · Funding: 1–3 days
Best fit: Good credit consolidating at size
Best Egg posts one of the lower advertised floors in the group and does its best work for 700-plus files consolidating card debt. Terms start at 36 months — built for larger balances than most SeedFi-range needs — so a $2,000 personal loan borrower here is buying a longer runway than the expense usually warrants. Origination fees of roughly 0.99%–8.99% ride inside the APR. For small, fast needs it's often oversized; for a $5,000 consolidation with good credit, frequently competitive.
6. Upgrade
Amounts: $1,000–$50,000 · APR range: ~7.99%–35.99% · Terms: 24–84 months · Funding: Next day typical
Best fit: Flexible amounts with credit-health tooling
Upgrade pairs each personal loan with free credit monitoring and a spend-tracking dashboard, a genuinely useful bundle for borrowers using the personal loan as a rebuilding milestone. The $1,000 floor reaches lower than most near-prime rivals. Origination fees between ~1.85% and 9.99% are on the high side, and every offer should be read as APR-inclusive-of-fee. Direct payoff to creditors on consolidation loans — Upgrade pays the cards itself — removes the temptation window most consolidators face.
7. Oportun
Amounts: $300–$10,000 · APR range: ~10.07%–35.95% · Terms: 12–54 months · Funding: Same/next day
Best fit: Thin files and first-time borrowers
Oportun spent two decades lending to people without credit histories — its underwriting reads income patterns where scores don't exist, and it caps its APR below 36% by policy. The $300 floor is among the lowest anywhere. It historically served Spanish-speaking communities exceptionally well, with bilingual servicing throughout. For a first personal loan on a thin file, the combination of genuine access and a real personal loan rate ceiling makes Oportun the benchmark others should be judged against.
8. NetCredit
Amounts: $500–$10,500 · APR range: ~34%–99.99% · Terms: 6–60 months · Funding: Same/next day
Best fit: Higher-risk files that clear nothing else mainstream
NetCredit, an Enova brand, prices between the mainstream ceiling and the storefront stratosphere — a lender of the in-between. Its structure is an honest installment personal loan with bureau reporting, but the APR band means the same discipline OppLoans requires: shortest survivable term, earliest possible payoff, and a hard look first at whether a smaller amount or a delayed expense could keep you in cheaper territory. Availability and pricing vary sharply by state.
9. Upstart
Amounts: $1,000–$50,000 · APR range: ~6.4%–35.99% · Terms: 36–60 months · Funding: Next day typical
Best fit: Educated thin files the models underrate
Upstart's AI underwriting famously weighs education and employment alongside credit data, approving files traditional models decline. The result is real: many personal loan approvals with limited history, priced across the full band. Terms start at 36 months, making it another lender whose small loans stretch longer than small needs usually should — the calculator math on total repayment matters doubly here. No prepayment penalty, so the long term can be shortened voluntarily by anyone with the discipline.
10. Rise Credit
Amounts: $500–$5,000 · APR range: ~60%–299% · Terms: 4–26 months · Funding: Next day typical
Best fit: Emergency-only borrowing with a rate-drop feature
Rise sits at the expensive frontier of what still counts as installment lending, with APRs that can reach the high triple digits by state. Its distinguishing feature is 'progressive pricing' — personal loan rates that step down after runs of on-time payments across successive loans. That mechanism rewards repeat borrowing, which is exactly the pattern to avoid at these prices. If Rise is the only yes, borrow minimally, finish fast, and treat the relationship as disposable rather than progressive.
11. Integra Credit
Amounts: $500–$3,000 · APR range: ~99%–299% · Terms: 6–18 months · Funding: Same/next day
Best fit: Last-resort speed when everything mainstream declines
Integra advertises near-instant decisions and funding for deep-subprime files, at prices that make even NetCredit look moderate. It exists on this page for calibration, not endorsement: knowing what the expensive end charges is how you recognize the value of every cheaper personal loan offer above it. Any borrower holding an Integra-priced offer should first exhaust the fixes on our eligibility page — thirty days of file repair routinely unlocks lenders charging a third as much.
12. Fig Loans
Amounts: $300–$750 · APR range: ~36%–199% · Terms: 4–6 months · Funding: 1–2 days
Best fit: Tiny emergency amounts with credit-building intent
Fig is a Texas-born social enterprise making very small installment personal loans designed explicitly as alternatives to storefront debt traps, with bureau reporting and no prepayment penalties baked in. Amounts top out well below most of this page's personal loan range, so it's a niche entry — but for a sub-$750 emergency on a damaged file, its structure is among the most borrower-protective in the segment. A reminder that intent varies inside every price band.
Patterns Worth Noticing
Four patterns emerge from any honest reading of the twelve: the 36% dividing line, the fee-inside-APR rule, the term-length inflation at bigger lenders, and the universal next-day funding standard.
The 36% line. Consumer advocates have long treated 36% APR as the boundary of mainstream credit, and the table shows the market agreeing: seven of twelve lenders cap there, and every personal loan above it prices for a different world. When your file qualifies on both sides of the line, the choice is rarely close.
Fees live inside APR. Personal loan origination fees from 1% to 10% appear across the mainstream rows — and every one is already folded into the advertised APR by law. Two offers at equal APR cost the same regardless of their fee structures; the fee line only changes what lands in your account on day one.
Term inflation. The bigger-ticket lenders start terms at 36 months even for small amounts — structurally fine, financially wasteful for a $2,000 need that a 12-month SeedFi Loan would clear for hundreds less. Never let a lender's term floor set your payoff plan when a no-penalty clause lets you finish early.
Speed is table stakes. Nearly every row funds next-business-day. A lender advertising speed as its differentiator is advertising the industry default — price and structure are where real differences live, exactly as the SeedFi funding guide documents.
Choosing Between Close Offers
When two personal loan offers land within a point of each other, break the tie in this order: total repayment, prepayment clause, due-date flexibility, then servicing quality.
Total repayment first because it merges rate, fee, and term into one comparable dollar figure on any SeedFi Loan or competitor offer alike — the arithmetic the rates page drills. The prepayment clause second because a no-penalty SeedFi Loan lets every good month cut the real cost below the printed one. Due-date flexibility third because a personal loan date parked just after your paycheck lands prevents the late fees that erase small APR differences. Servicing last but not least: an app that shows personal loan payoff amounts instantly and a phone line a human answers are worth a fraction of a point when the first three tie.
And when only one offer arrives? The same four checks, run against this page's benchmarks instead of a second offer. A single SeedFi Loan offer that prices inside its tier's band, penalizes nothing, and moves the due date is an offer you can sign with confidence — while one that fails the benchmarks is a reason to spend thirty days on the eligibility fixes and request again through SeedFi with the stronger file. Either way, you decided from a map, not from the dark.
Quick questions, answered
Are these twelve lenders all in the SeedFi network?
Not necessarily, and the page doesn't claim so. This comparison is market research — the small-loan landscape as it actually looks — so you can evaluate any offer, from our network or elsewhere, against realistic benchmarks.
Why do the listed APR ranges vary so widely between lenders?
Each lender targets a different credit segment. A near-prime specialist can post rates in the teens; a lender built for rebuilding credit prices its extra risk toward the regulatory ceiling. The range tells you who the lender is for.
Which lender is the cheapest?
For strong credit, the near-prime specialists post the lowest ranges. But the cheapest lender in general is the one whose written offer to you carries the lowest total repayment — advertised floors describe their best customers, not necessarily you.
Is the information on this page guaranteed current?
No — amounts, rates, and terms change constantly, and this page states approximations for education. Always confirm details on a lender's own written offer before deciding anything.
Do I need to pick a lender before applying through SeedFi?
No — that's backwards from how the service works. One SeedFi request lets licensed lenders review you and respond; you compare actual offers rather than marketing pages. This page's job is making you a sharper reader of whatever arrives.