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Best Dental Financing Loans April 2024

Financing dental care is an essential step to attain optimal oral health and a radiant smile, whether you're facing an emergency, planning for a procedure, or dreaming of cosmetic enhancements. Here are the most recommended dental loans to keep your smile bright and your finances in order.

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Key Facts

  • Free-to-use marketplace with a choice of vetted lending partners.
  • Borrowers are in control and can compare competitive loan options.
  • No prepayment fees and origination fees as low as 0%
  • Max Loan Amount: $100K

Pros

pros iconGreat for Comparing Lenders

pros icon Fast and Easy

pros iconSecure 256-bit encryption

Cons

cons iconFees Vary

cons iconOther Variable Info

cons iconTerms are Limited

Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 4.60% – 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties..

Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lenders will conduct a hard credit pull when you submit your application. Hard credit pulls will have an impact on your credit score. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680.

Bonus disclosure:
“All bonus payments are by gift card.”

*Not all available financial products and offers from all financial institutions have been reviewed by this website

  • $600-$100K Loan Amount
  • 550 Min Credit
  • 6.40-35.99% APR
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Key Facts

  • Competitive rates available for good credit scores and income source
  • Access to financial advisors, private networking events, & unemployment protection
  • Flexible terms & payment options with no fees whatsoever
  • Max Loan Amount: $100K

Pros

pros iconPersonal loan application process is easy and only takes a few minutes to complete

pros iconSoft credit check that doesn’t affect your credit score and gives you personalized rates

pros iconFixed and variable rate loans available ranging from $5,000 to $100,000

pros iconNo late or origination fees required

pros iconExcellent customer support team

pros iconOnline autopay comes with a discount on interest

pros iconExclusive benefits for members (ex. networking events and access to financial advisors)

pros iconUnemployment Protection feature comes with a temporary payment pause (up to 12 months)

pros iconNo prepayment penalties

Cons

cons iconMay take up to 4 days to receive funds after approval (longer than other online lenders)

cons iconHigh eligibility requirements (ex. good credit and sufficient income)

“SoFi” is a registered trademark of Social Finance, Inc. SoFi is not affiliated with colleges and universities listed on SoFi.com. Colleges and universities listed on SoFi.com do not endorse, promote or recommend SoFi loan products.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 1121636. (www.nmlsconsumeraccess.org)

Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

©2022 Social Finance, Inc. All rights reserved.”

Fixed rates from 3.99% APR to 9.99% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 01/16/24 and are subject to change without notice. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-6%, which will be deducted from any loan proceeds you receive.Autopay: 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. Autopay is not required to receive a loan from SoFi.Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.

  • $5K-$100K Loan Amount
  • 680 Min Credit
  • 8.99-29.99% APR
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Key Facts

  • See loan offers from over 100 lenders
  • Loans available for any type of credit
  • Fees depend on specific lender
  • Max Loan Amount: $35K

Pros

pros iconReceive offers from multiple lenders

pros iconLow minimum credit score required

pros iconNo application fee

Cons

cons iconHard credit pull

cons iconMaximum loan amount of $35K

LoansUnder36%.com (the “website”) is not an offer or solicitation to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions. The website collects personal information provided by you and forwards it to partners in our lender network. You are under no obligation to use this website or service to initiate, contact, nor apply for credit or any loan product with any service provider or lender. Loan amounts vary from $500 and $35,000 but not all lenders can provide up to $35,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. If you have any questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers. By submitting your request, you acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. Representative example: If you borrowed $2,000 over a 12 month period and the loan had a 3% origination fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR. If you borrowed $5,000 over a 48 month period and the loan had an 8% origination fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Loan products have a 61-day minimum repayment term. Loan example:.If you borrowed $5,000 over a 48 month period and the loan had an 8% origination fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12.

  • $500-$35K Loan Amount
  • 300 Min Credit
  • 5.99-35.99% APR
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Key Facts

  • Borrowers can find a personal loan option that fits their exact needs
  • Offers a comprehensive knowledge hub
  • Simple to use online loan comparison tool
  • Max Loan Amount: $100K

Pros

pros iconDeals with trustworthy lenders

pros iconWide range of personal loans to check out

pros iconEasy to use comparison tool

pros iconMore than four decades of experience

Cons

cons iconNot a direct lender

cons iconNo live chat

Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $600-$100K Loan Amount
  • 300 Min Credit
  • 7.99-29.99% APR
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Key Facts

  • 5K Funds makes it easy to get rates and start comparing terms from multiple lenders.
  • 5K Funds has an extensive network of reputable lenders.
  • Borrowers have the freedom to use a personal loan in a number of ways.

Pros

pros iconQuick & simple online application

pros iconAn extensive network of lenders

pros iconUse your loan for any purpose

Cons

cons iconNot BBB Accredited; F rating on BBB

cons iconLoans may contain origination fees

cons iconHighly thorough initial application

5K Funds.com (the “website”) is not an offer or solicitation to lend. The website only provides a service. It is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions.
The website collects personal information provided by you and forwards it to partners in our lender network. You are not obligated to use this website or service to initiate, contact, or apply for credit or any loan product with any service provider or lender.
Loan amounts vary from $500 and $35,000, but not all lenders can provide up to $35,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product. Cash transfer times may vary between lenders and may depend on your individual financial institution.
In some circumstances faxing may be required. If you have questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans provide short-term financing to solve immediate cash needs and should not be considered a long-term solution.
This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers.
By submitting your request, you acknowledge, agree, and authorize that your information may be sent to lenders or third-party partners on your behalf. Also, such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian, and Equifax, to evaluate your creditworthiness.

Loan Example: If you borrowed $2,000 over a 12 month period and the loan had a 3% origination fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR. If you borrowed $5,000 over a 48 month period and the loan had an 8% origination fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12.

 

  • $500-$35K Loan Amount
  • 500 Min Credit
  • 5.99-35.99% APR
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Key Facts

  • APR: Varies by lender
  • Loan Term: Varies by lender
  • Min Credit Score: 300
  • Max Loan Amount: $40K

Pros

pros iconFunds direct deposited often within a single business day

pros iconAbility to compare a range of different options

pros iconHelps people with bad credit to get a loan

pros iconGood range of possible loan amounts

Cons

cons iconAPRs can be high

cons iconNot too much info about lenders

THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and/or lending partners and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. The operator of this Website is not an agent, representative or broker of any lender and/or lending partner and does not endorse or charge you for any service or product, but may receive compensation from the lender and/or lending partner for forwarding your information to them. In some cases, you may be given the option of obtaining a loan from a tribal lender and/or lending partner. Tribal lenders and/or lending partners are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender and/or lending partner, please understand that the rates and fees may be higher than state-licensed lenders and/or lending partners and you may be required to agree to resolve any disputes in a tribal jurisdiction. Additionally, your information may be going to an aggregator and not a lender and/or lending partner. Your information can be sold multiple times leading to multiple offers from lenders and/or lending partners, and other marketers. Lenders and/or lending partners who buy your information may supplement it with additional information about you that they obtain from other sources. Not all lenders and/or lending partners can provide your requested type of loan and/or loan rate or terms, and we make no promises that you will be able to obtain a loan. Cash transfer times may vary by lenders and/or lending partners and local laws. Lenders and/or lending partners may perform a credit check to determine your creditworthiness. In some circumstances faxing may be required. For details, questions or concerns regarding your cash advance, please contact your lender and/or lending partner directly. Lenders and/or lending partners are solely responsible to you for all aspects of any loan request or loan transaction, including compliance with all applicable laws and regulations relating to your loan request form and any agreement or disclosures relating to your loan request form or loan transaction (including any adverse action notices or Truth-in-Lending Act disclosures). If you are not connected with a lender you may be connected with other financial service providers that offer products associated with your selected loan purpose. Residents of Connecticut, New Hampshire, Washington, and Vermont are not eligible to submit a request for a cash advance on this Website. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Short-term loans are an expensive form of credit and not a long-term financial solution. Please use short-term loans responsibly. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680
Online Lenders Alliance: When you see the OLA seal, you can trust you’re working with a company committed to the highest standards of conduct dedicated to ensuring the best possible experience for their customers, fully compliant with federal law, and working hard to protect consumers from fraud.
© Copyright 2011 – 2023. Lending For Bad Credit. All Rights Reserved. All trademarks, service marks, trade names, product names and logos appearing on the site are the property of their respective owners. Any rights not expressly granted herein are reserved. 

  • $100-$40K Loan Amount
  • 300 Min Credit
  • 6.99-35.99% APR
Powered by Credible
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Key Facts

  • Good credit gets low rates and zero fees
  • Fast and easy online process
  • $100 Loan Experience Guarantee¹
  • Max Loan Amount: $100K
  • Powered by Credible

Pros

pros iconGet a loan for practically anything

pros iconAutopay discount available

pros iconDedicated app to manage your loan

pros iconLightStream doesn’t charge any fees

Cons

cons iconPersonal loan up to $100K

cons iconRequires steady income

cons icon1-3 Days till funding

LightStream is a part of Truist Bank. While most correspondence will come from LightStream, you might notice the name Truist on certain communications from us. We continue to serve customers across all 50 states, and you do not need to be an existing customer to qualify for a LightStream loan.

Your loan terms, including APR, may differ based on loan purpose, amount, term length, and credit profile. The lowest rates require excellent credit. At least 22% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2022 to 09/30/2022.

Rate is quoted with an AutoPay discount. AutoPay discount is only available before loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 4.99% APR with a term of 3 years would result in 36 monthly payments of $299.66.

  • $5K-$100K Loan Amount
  • 660 Min Credit
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Key Facts

  • Flexible repayment options
  • Great for customers with bad credit score
  • Safe and secure

Pros

pros iconEasy, fast application process

pros iconFunds are disbursed quickly

pros iconBuilds personal credit

Cons

cons iconHigh fees and interest charges

cons iconNo co-signed, joint, or secured loan option

cons iconNo rate discount for automatic payments

Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $2K-$35K Loan Amount
  • 580 Min Credit
  • 9.95-35.99% APR
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Key Facts

  • Free resources to help you get out of credit card debt
  • No origination, prepayment, or early payoff fees
  • Help you lower your interest rate

Pros

pros iconAPRs are often competitive

pros iconEasy to use mobile app

pros iconOffers a personalized strategy

pros iconNo hard credit check

Cons

cons iconMust pay an annual fee of $300

cons iconNo Better Business Bureau accreditation

Tally is a platform that provides solutions you can use to help manage your credit cards.

Tally also offers you the ability to manage and pay credit cards linked to your Tally account in a single place. This aspect of the service allows you to make payments to your credit cards from your linked bank account. Tally may charge a monthly fee for this service.

Tally offers a line of credit that can be used to pay off credit card debt. Tally partners with a chartered bank, Cross River Bank, Member FDIC, that will issue the line of credit in some states. Tally may add or change chartered banks with whom we partner.  Your Line of Credit Agreement will identify which company issues your line of credit. With the Tally line of credit, payments will be made directly to your credit card accounts.  If funds are advanced from your Tally line of credit and paid toward a credit card balance, you will make payments of principal and interest to your Tally Account to repay your Tally line of credit. If you qualify for and accept a Tally line of credit, a Line of Credit Agreement, which outlines the terms of the Tally line of credit, will be emailed to you.

Tally may offer you a feature, including without limitation features such as “Tally Advisor,” designed to help you pay off your credit card balances more quickly. Tally Advisor and similar features make payment recommendations based on your balances, APRs, past spending behavior and/or payoff strategy. Although Tally Advisor and similar features consider information unique to you in making recommendations,  we are not aware of all your facts and circumstances and our recommendations are only suggestions for managing your credit card debt, not promises or guarantees. The amount and timing of any payment to your credit card is ultimately your responsibility. Please note that some features are being developed and may not be available to all users or on all platforms. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $2K-$25K Loan Amount
  • 580 Min Credit
  • Min 7.9%% APR
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Key Facts

  • One of the largest P2P lending partners & investing companies
  • 15-day grace period for late fees
  • Apply in just minutes and receive competitive offers
  • Max Loan Amount: $40K

Pros

pros iconFunding in as few as 4 days

pros iconAbility to sign up for automatic payments

pros iconNo prepayment penalties

Cons

cons iconOrigination fees ranging from 1% - 6%

cons iconSocial security number is required

cons iconMust be U.S. citizen / On a valid long-term visa

Disclaimer: A representative example of loan payment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and a 5.30% origination fee of $711, for an APR of 15.99%. In this example, you will receive $12,700 and will make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan term lengths are 36 months or 60 months. Some amounts and term lengths may be unavailable in certain states. APR ranges from 8.05% to 35.89% and is determined at the time of application. Origination fee ranges from 3% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates are subject to change without notice. Loans are made by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of [PARNTER LEGAL NAME] and is not responsible for the products and services provided by [PARNTER NICKNAME]. Loans are subject to credit approval and sufficient investor commitment before they can be funded or issued. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com. “LendingClub” is a trademark of LendingClub Bank.

  • $1K-$40K Loan Amount
  • 600 Min Credit
  • 8.98-35.99% APR
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Key Facts

  • Experience a secure application process without having to enter your SSN.
  • Get matched to lenders based on your profile & loan needs for FREE.
  • Our service will not impact your credit score.

Pros

pros iconSimple online form submission

pros iconAccess to live support

pros iconGet immediate detailed offers

Cons

cons iconPersonal loans up to $50K

cons iconLive support is not 24/7

cons iconMarketplace with many lenders

AmOne is not a lender and does not represent lenders as a loan broker or in any capacity other than as a referral source; AmOne may receive a referral fee from a lender in certain circumstances. AmOne matches borrowers with financial solutions that appear to best fit their situation. AmOne is not acting as a credit services agent for you; you must apply for credit directly with the lender with which you choose to apply. Any credit product you apply is solely the product of the lender. Interest rates used as examples on the AmOne website are typically for borrowers with prime credit; actual interest rates, terms, and conditions will vary depending on the loan type and lender. There is no charge to use AmOne’s service. Filling out a form on the AmOne website does not guarantee approval for a loan.

In addition to matching borrowers with available loan options, AmOne provides a venue through which you can obtain information, and you can find third-party service providers, such as financial institutions, credit card providers, and other financial service professionals (“Service Providers”). AmOne may share your information with a Service Provider so they can contact you about their product or service. We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Service Provider. We do not validate or investigate Service Providers’ licensing, certification, or other requirements and qualifications. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages, or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. We urge you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.

ADVERTISER DISCLOSURE: The products on AmOne are from companies from which AmOne receives compensation. In certain situations, compensation may impact where products appear on the site (including the order in which they appear). AmOne does not include all loan companies or all types of products available in the marketplace.

As of 04/03/2018, visitors to AmOne were seeing rates from matched offers as low as 5.49% fixed (5.49% APR) on a $5,000 loan amount for a term of three (3) years. Loan rates below 5.49% may be available for specific loan purposes, such as auto loans, with specific lenders. Better loan rates are offered to borrowers with excellent and substantial credit history. Rates, APR and other terms you may be offered may vary from this example based on your state, credit history, credit score, financial situation, loan amount, loan term, loan usage, and other underwriting criteria of the lenders. Lenders generally have a range of available APRs, and only borrowers with excellent credit will qualify for the lower rates. There is a possibility you may not be matched with any lenders. Loans are not available in all states at all requested amounts. AmOne only matches you with potential lenders, and your completed form on this website does not constitute a loan application. You must proceed with a matched lender to complete a loan application. Lenders make all credit decisions.

AmOne Corp. is a subsidiary of QuinStreet PL, Inc. (Licenses)

In California, consumer loans marketplace services are provided exclusively by QuinStreet PL, Inc., the registered owner of AmOne. QuinStreet PL, Inc. is licensed under the California Finance Lenders Law (License No. 60 DBO-83197), with its principal office located at 950 Tower Lane, Foster City, CA 94404.

Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $1K-$50K Loan Amount
  • 300 Min Credit
  • 3.99-35.99% APR
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Key Facts

  • Free marketplace that connects borrowers to lenders
  • Access the free loan matching services with a quick application
  • Terms, rates, and fees vary depending on the lender

Pros

pros iconLarge and small personal loans for nearly any purpose

pros iconFlexible repayment options with terms ranging from 6 months to 12 years

pros iconNo hard credit required for the initial pre-approval process

pros iconQuick application and rate comparison options

Cons

cons iconPersonal loans mainly come from third-party lenders, rather than banks or credit unions, so the rates may be higher on some offers

cons iconThings like rates, terms, and time to funding depend on the lender

cons iconWhile carefully vetted, each lender has its own privacy, customer service, and reputation

Disclaimer: The material provided on this site is not intended to provide legal, investment, or financial advice or to indicate the suitability of any Even Financial product or service to your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional. Any information or statistical data sourced by Even Financial through hyperlinks, from third-party websites, are provided for informational purposes only. While Even Financial finds these sources to be accurate, it does not endorse or guarantee any third-party content. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $1K-$100K Loan Amount
  • 550 Min Credit
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Key Facts

  • Excellent Customer Support
  • Loans to customers with bad credit score
  • No prepayment fees

Pros

pros iconReceive funds as soon as the next day after approval

pros iconPrepay with no penalties

pros iconQualify for a loan with fair credit

Cons

cons iconCo-signers or co-borrowers are not allowed

cons iconOrigination fees as high as 8%

cons iconSome lenders may not report your payment history to all three major credit bureaus

Disclaimer: LENDINGPOINT DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. THE MATERIAL IN THE SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU AGREE THAT THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS, THAT LENDINGPOINT MAKES NO REPRESENTATION NOR WARRANTY (EXPRESS OR IMPLIED) THAT THE SITE OR DOCUMENTS DOWNLOADED IN RELATION THERETO ARE FREE OF VIRUS OR DETRIMENTAL ASPECTS AND YOU ASSUME ALL RISKS THEREWITH. YOU ACKNOWLEDGE THAT LENDINGPOINT DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. LENDINGPOINT DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. YOU ASSUME TOTAL SELF RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOU AGREE THAT YOUR SOLE REMEDY AGAINST LENDINGPOINT FOR DISSATISFACTION OR PROBLEMS WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT.

  • $2K-$37K Loan Amount
  • 660 Min Credit
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Key Facts

  • Easily compare rates from their investors using a peer-to-peer model
  • Loans range from $2,000 – $40,000, allowing for quick funds
  • No prepayment penalty fees
  • Max Loan Amount: $40K

Pros

pros iconFast funding

pros iconReputable company

pros iconMost inclusive credit score of all lending companies

pros iconJoint loan option

Cons

cons iconLate fees

cons iconReputable company

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. 

Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

1) Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank.

2) You may receive your funds one business day after your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank’s ability to quickly process the transaction.

  • $2K-$50K Loan Amount
  • 600 Min Credit
  • 6.99-35.99% APR
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Key Facts

  • No minimum credit scores to apply for loans
  • See a wide range of offers without damaging your credit
  • Fee-free service

Pros

pros iconLow minimum and high maximum loan amounts

pros iconNo fees to apply

pros iconNo minimum credit score needed

Cons

cons iconDoes not provide customer service to borrowers

cons iconExisting bank account required

APR’s on loan offers from the panel of lending partners on Monevo originated through Google or Bing advertisement range from 1.99% to 35.99%, with loan durations between 6 months and 144 months. Repayment examples (for illustrative purposes only): a $10,000. Loan at 4.89% APR with a term of 3 years would result in 36 monthly payments of $299 (Total repayable: $10,772) and a $10,000 loan at 9.99% APR with a term of 5 years would result in 60 monthly payments of $201.81 (Total repayable: $12,108.60). Each state has specific rules and regulations that govern lending partners. The amount you can borrow, the APR, and repayment term are based on your state’s laws, the lending partner, and your creditworthiness.

  • $500-$100K Loan Amount
  • 300 Min Credit
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Key Facts

  • Discounts for Upgrade account owners
  • No prepayment fees
  • Fast funding in 1-4 days

Pros

pros iconOffers a small minimum loan amount

pros iconDeals with credit scores of at least 580

pros iconNo early prepayment fee

pros iconQuick time to funding

pros iconSolid mobile app to manage loans

Cons

cons iconCharges origination fee

cons iconLate fees in place

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 1.85% to 9.99% origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. 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 bank partners. Information on Upgrade’s lending partners can be found at https://www.upgrade.com/lending-partners/.

Fast Funding Disclosure: *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 sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

  • $1K-$50K Loan Amount
  • 580 Min Credit
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Key Facts

  • Online application takes just a few minutes to fill out won’t affect your credit
  • Competitive rates from different lenders
  • Funding as fast as the next business day

Pros

pros iconQuick application process

pros iconForwardLend works with reputable lenders

pros iconNo collateral necessary

pros iconCaters to a range of credit scores

Cons

cons iconNot much customer support

CONSUMER NOTICE

 

Personal loans are online loans which generally range from $1,000 to $40,000. These loans are not intended to be solutions to long-term financial issues. Consumers who have credit problems or who are facing debt should seek professional debt and credit counseling. Consumers are encouraged to learn of the risks involved in taking out loans, loan alternatives that may be more suitable to your needs and/or financial situation, and any local and state laws applicable to loans in your state. We strongly encourage you to completely read and review all loan agreements provided to you by your lender. If you accept the terms and conditions for a loan offer, you agree to repay the loan principal and finance charges according to the payment schedule detailed in the documents provided to you by your lender. If you miss a payment or make a late payment, additional fees/charges may apply. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $1K-$40K Loan Amount
  • Min 4.84%% APR
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Key Facts

  • Get multiple real-time offers at once
  • Nationwide personal loans partners
  • No minimum credit score

Pros

pros iconLarge network of lenders

pros iconLow credit scores can be approved

pros iconPersonal loans available in all 50 states

Cons

cons iconNo phone support from SuperMoney

cons iconNot a direct lender

SuperMoney Disclaimer: *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. The use of trademarks does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney of those trademark owners or their sites, products or services, or they of us or ours. SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. The operator of this website is not a lender, does not broker loans to lenders and does not make loans or credit decisions. This website does not constitute an offer or solicitation to lend. This website will submit the information you provide to a lender. Providing your information on this website does not guarantee that you will be approved for a loan. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. SuperMoney or its affiliates may call you or send you SMS text messages as part of our/their service offering. The phone number or other service belonging to the called/messaged person(s) could incur charges for such contact. REPLY “HELP” FOR HELP, REPLY “STOP” TO CANCEL. By using this site you agree to Terms & Conditions and Privacy Policy.
**The Annual Percentage Rates (APR), interest rates, loan types, loan terms, loan amounts, origination fees and other terms provided in this website are estimated based on information you provided, data offered by partners, and publicly available information. All information is presented without warranty, and the estimated APR, terms and other features are not binding in any way. Lenders offer a range of APRs and loan programs depending on your credit history, income, and other factors. Only borrowers with excellent credit qualify for the lowest rates. Your actual APR will depend on your credit score, loan amount, term, income, and credit history. All loans must be reviewed and approved by the lenders.
† To check the rates and terms you qualify for, one or more soft credit pulls may be done by SuperMoney, and/or SuperMoney’s lending partners, that will not affect your credit score. However, if you choose to continue your application at a lending partners’ website or by phone, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $500-$100K Loan Amount
  • 400 Min Credit
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Key Facts

  • Loan repayment terms are flexible, with 16 choices
  • Instant credit decision
  • Multiple ways to contact customer support for help with the application process

Pros

pros icon16 options for loan repayment terms

pros iconNo application fees

pros iconSoft credit check to see eligibility

pros iconAutopay enrolment leads to discounted payments

Cons

cons iconNo loan forbearance options

cons iconEligibility criteria are not obvious at first glance

cons iconMust have an outstanding student loan balance of $5,000 to be eligible

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or MY Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply. $5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy, or veterinary doctorate degrees and $150,000 for all other undergraduate or graduate degrees.
The information advertised is valid as of 01/27/2021. Variable interest rates may increase after consummation. The 0.25% auto-pay interest rate reduction applies as long as the borrower or co-signer, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House (“ACH”).
The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.
College Ave payment example: This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61.
Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary. We have two trigger terms present, “Loan Amount” and “terms 5-20 years,” which our legal team requires disclosures. $5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy, or veterinary doctorate degrees and $150,000 for all other undergraduate or graduate degrees.
The information advertised is valid as of 03/25/2021. Variable interest rates may increase after consummation. This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $1K-$300K Loan Amount
  • 600 Min Credit
  • 3.99-14.86% APR
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Key Facts

  • Connects borrowers to lenders quickly and easily
  • Get rates from multiple lenders in a matter of minutes
  • Borrowers don't need perfect credit to get approved

Pros

pros iconSimple process to assess your loan options

pros iconCaters to a wide range of credit scores

pros iconDeals with reputable lenders

pros iconMany years of experience in the personal loan marketplace space

Cons

cons iconNot much information on the Guide to Lenders website

cons iconMight receive extensive marketing emails

*GuideToLenders is not a loan provider; we seek to match you to partners that may extend a loan or other services to you. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. There is no guarantee that you will be approved for a loan or that you will qualify for the rates displayed. The offers and rates presented on this website are estimates based on information you submit to us. Your actual rates depend on your credit history, income, loan terms and other factors. Reasonable efforts are made to compile and maintain accurate information. However all loan rates and terms, including APRs, are presented without warranty and are subject to change by the loan providers without notice. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $1K-$50K Loan Amount
  • 600 Min Credit
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Key Facts

  • Approval in minutes. Funding in as few as 2 days.
  • Borrow up to $50k for emergency or unexpected purchases.
  • 100% online application; 3 & 5-year term options.
  • Low fixed rates available.
  • Max Loan Amount: $50K

Pros

pros iconEverything is available online

pros iconSpeedy application process

pros iconFast funding

pros iconSuper competitive rates

pros iconExcellent customer service

pros iconAutopay discount available

Cons

cons icon680 FICO score minimum

cons iconOrigination fees

Figure Disclaimer: Figure Lending LLC dba Figure. 15720 Brixham Hill Avenue, Suite 300, Charlotte, NC 28277. (888) 819-6388. NMLS ID 1717824.

For licensing information, go to www.nmlsconsumeraccess.org. Equal Opportunity Lender. Equal Housing Opportunity. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

As representative example, an eligible borrower obtained a loan amount of $15,000 with a 5% origination fee at an interest rate of 9.65% for 36 months. That would include an origination fee of $750.00 for an APR of 13.204%. They would receive $14,250.00 and make 36 monthly payments of $481.55. Loan amounts range from $5,000 to $50,000; loan term lengths are 36 months or 60 months.

California loans are made and arranged according to a Finance Lenders Law License. Licensed by the Department of Financial Protection and Innovation under the California Finance Lenders Law (License 60DBO81967). To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. Yet, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Figure’s Personal Loan APRs range from 5.75% to 31.44%, inclusive of a 0.25% discount for enrolling in autopay. The lowest APRs are for the most qualified applicants based on factors such as credit score, debt-to-income ratio, credit utilization, and credit inquiries; rates will be higher for other applicants. The advertised APR is only available for applicants who are eligible for and select 3-year loan terms; longer terms have higher rates. Rates frequently change, so your exact rate will depend on the date you apply.

You will be responsible for an origination fee of up to 5.00% of your loan amount, depending on your credit profile and the state where you reside. Loan terms and prices are also subject to change. Figure’s Personal Loan amounts range from a minimum of $5,000 to a maximum of $50,000. You may not be eligible for our maximum amount, as the minimum and maximum loan amounts vary depending on the state in which you reside and your credit profile.

Figure’s Personal Loan Referral Program is unavailable for borrowers or applicants in Kentucky, Ohio, or Rhode Island and does not apply to any of Figure’s other loan products. For either party to be eligible to receive the $150 gift card, they must fund the referred loan. Once complete, it may take up to 5 business days to fulfill the gift card orders, which will be delivered electronically to the email addresses associated with each account.

Next Day Funding requires the application to be approved and documents signed before 4 p.m. PST or 7 p.m. EST. Please check with your institution to ensure funds availability before attempting to access the funds. Limit one $100 bonus per customer. The bonus will be deposited in the Figure Pay account within 30 days of the second consecutive deposit, satisfying the requirements for the bonus.

HELOC:* Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.
*Available APRs range from 8.75% – 17.40%*.(the advertised APR includes a combined 0.50% discount for opting into a credit union membership (0.25%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. As representative example, for a borrower with a 60% CLTV and a 740 credit score who is eligible for and chooses to pay a 4.99% origination fee in exchange for a reduced APR on a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 10.55%. The total loan amount would be $55,275. Alternatively, a borrower with the same credit profile who pays a 3.99% origination fee would have an APR of 10.85% and a total loan amount of $55,425. Your actual rate will depend on many factors such as your credit, combined loan to-value ratio, loan term, occupancy status, and whether you are eligible for and choose to pay a higher origination fee in exchange for a lower rate. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.

  • $5K-$50K Loan Amount
  • 680 Min Credit
  • 6.10-22.94% APR
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Pros

pros iconQuick comparison of available options

pros iconRespectable lenders

pros iconRelatively low minimum credit score requirements

Cons

cons iconPrepayment penalties sometimes in place

cons iconOrigination fees can be high in certain cases

Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are subject to change at any point before application submission. Your pre-qualified rate is based on the information you provided. All final offers require verified credit information which could impact your qualified rate. The information you provide to us is an inquiry to determine whether Splash’s lending partners can make you a loan offer.

Some lending partners may require less info if you apply directly on their website. If a lending partner has an available loan for you, you will be invited to submit a loan application to the lender for its review. Please be advised that a lending partner with an available loan offer for you may conduct another soft credit pull as part of its application review process.

To qualify, a borrower must be a US citizen or other eligible status and meet lender underwriting requirements. The borrower must meet applicable underwriting requirements based on specific lender criteria. Not all borrowers receive the lowest rate as advertised. Also, the lowest rates are reserved for the highest-qualified borrowers.

Splash does not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will be within a range of rates. It will depend on various factors, including the term of the loan, a responsible financial history, income, and other factors. Variable rates are subject to change.

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.

  • $1K-$100K Loan Amount
  • 580 Min Credit
  • 5.99-35.97% APR
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Key Facts

  • Wide variety of term lengths
  • No charge for the marketplace service
  • Small sums to big sums

Pros

pros iconDeals with some reputable lenders

pros iconEasy online process

pros iconNo fee charged by SearchKeyLoans

pros iconFast time to funding often the case

Cons

cons iconNot too much information about SearchKeyLoans available

cons iconOnly small loan amounts possible

The operator of this website does not make loan offers, but pairs consumers with lenders and lending partners. The information you provide on this site will be shared with a lender or lending partner.

Submitting a request allows us to refer you to third-party lenders and lending partners from whom we receive compensation. Please be aware, the lender or lending partner you are paired with may not offer you the best loan terms for your financial situation. 

Loan example: If a client were to borrow a $10,000 loan with a 23.83% interest rate, 24-month loan term, and 2% origination fee ($200), the monthly payment would be $527.86.

  • $500-$5K Loan Amount
  • 300 Min Credit
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Key Facts

  • Useful mobile app to manage your loan
  • Accepts co-signer and joint applications
  • Wide range of term lengths and amounts

Pros

pros iconFast funding time

pros iconGreat reputation

pros iconLow-fee loans

pros iconWide range of term lengths

Cons

cons iconYou need to be a PenFed Credit Union member to get a loan

cons iconDoesn’t disclose all eligibility requirements

This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will suit their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also assess brands we are not engaged with).

These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewers’ findings and subjective experience, and product popularity, impact the placement and position of the brands within the comparison table. In the event that we assign ratings or scoring, they are based on the standing in the comparison table or according to the other formula in the event detailed explicitly by us. See our How we Rate page and Terms of Use for information.

The reviews, ratings, and scoring are provided “as is” without guarantees or warranties regarding the information contained on our website, which shall not be considered as endorsement. We do our best to keep the information up-to-date. However, an offer’s terms might change at any time. We do not compare or include all service providers, brands, and offers available in the market. Loan Payment Example: A $35,000 personal loan financed at 4.99% APR would amount to 60 monthly payments of approximately $676.49 each.

  • $600-$50K Loan Amount
  • 690 Min Credit
  • 8.49-17.99% APR
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Key Facts

  • Loans as small as $100.
  • Fast application and funding.
  • Offers good rates.
  • Max Loan Amount: $20K

Pros

pros iconEasy, fast lender matching process

pros iconFunds are disbursed quickly

pros iconCompetitive interest rates for those with good credit

Cons

cons iconDoes not provide service to borrowers

cons iconBank account required

Terms of your loan will vary based on the amount of the loan and the period of time to repay. Other factors may include the state you live in, your source of income, and your repayment history. Please contact your lender directly for questions regarding your loan.
Loan Example: A $3,000 loan with a 14.99% APR that is repayable in 12 monthly installments would have monthly payments of $270.76 to a total of $3,249.13.
APR for good credit typically ranges from 5.99% to 35.99% and generally will have a repayment term of 3 months to 72 months. Loan amounts under $1,000 will have varying APR’s than what is listed in the represented example above. Please contact your lender for more information.

  • $100-$20K Loan Amount
  • 300 Min Credit
  • 5.99-35.99% APR
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Key Facts

  • Wide range of loan term lengths.
  • 30-Day money-back guarantee on loan proceeds.
  • No origination fees or prepayment penalties.

Pros

pros iconNo origination fees

pros iconFlexible repayment terms

pros iconFixed rates

Cons

cons iconNo cosigned loans available

cons iconNo secured or joint loans available

cons iconNo autopay discount

Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history, and application information meet all requirements. Loans are unsecured. Loans are fully amortizing personal loans as long as you pay on time.

You must have a minimum household income of $25,000 to be considered for a Discover personal loan. It cannot be used to pay for post-secondary education, pay off a secured loan, or pay off a Discover credit card directly.

Your APR will be between 6.99% and 24.99% based on creditworthiness at the time of application for loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 10.99% APR for 72 months, you’ll pay just $285 per month. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rates, such as your credit history, application information, and the term you select. We may charge a fee if your payment is late.

FDIC deposit insurance is $250,000 per depositor, per deposit ownership category. The FDIC provides separate insurance coverage for funds that depositors may have in different types of legal ownership. The FDIC refers to these different categories as ownership categories.

Discover Home Loans pays all closing costs incurred during the loan process so that you don’t have to bring any cash to your loan closing. If you decide to pay off your loan balance in full within 36 months after your loan closes, you will be required to reimburse Discover for some of the closing costs we are paying on your behalf, not to exceed $500.00. Reimbursable closing costs include all title fees, recording fees, and mortgage/transfer taxes. You are not required to reimburse the closing costs if you reside in Connecticut, Minnesota, New York, North Carolina, Oklahoma, or Texas.

  • $3K-$40K Loan Amount
  • 660 Min Credit
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Key Facts

  • Soft credit pull for pre-approval.
  • Funding of approved loans in as little as one business day.
  • Application takes just a few minutes.
  • Max Loan Amount: $50K

Pros

pros iconSoft credit pull for pre-approval

pros iconFunding could arrive in 1 day

pros iconApplication takes a few minutes

Cons

cons iconAPR presented past pre-approval

cons iconCredit score criteria not clear

cons iconLoans require an origination fee

Best Egg loans are unsecured or secured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. Best Egg Credit Card is issued by First Bank & Trust, Brookings, SD, under a license by Visa International.

“Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “the Best Egg personal loan” and “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as the originator of the Best Egg personal loan,” as applicable.

The term, amount, and APR of any loan we offer will depend on your credit score, income, debt payment obligations, loan amount, credit history, and other factors. If shown, your loan agreement will contain specific terms and conditions. The timing of available funds upon loan approval may vary depending on your bank’s policies. You can repay Best Egg loans at any time without penalty. Barring any unforeseen circumstances, Best Egg loans have a minimum term of 36 months and a maximum period of 60 months.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Loan Example: A 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81 to a total amount of $12,108.6. A 3‐year $5,000 loan with 5.99% APR has 36 scheduled monthly payments of $150.57 to a total amount of $5,420.52.”

You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81; a 3-year $5,000 loan with 8.99% APR has 36 scheduled monthly payments of $157.40. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories.

— *Trustpilot TrustScore as of June 2020. Best Egg personal loans, including the Best Egg Secured Loan, are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “the Best Egg personal loan”, “the Best Egg Secured Loan”, and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg personal loan,” as applicable.

— The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; New Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate.

  • $2K-$50K Loan Amount
  • 600 Min Credit
  • 8.99-35.99% APR
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Key Facts

  • Trusted lender for over 100 years
  • Fast funding & no prepayment fees
  • Flexibility in choosing payments date
  • Max Loan Amount: $20K

Pros

pros iconFast time to funding

pros iconLong track record in the space

pros iconOffers secured and joint loans

pros iconPayment date flexibility

Cons

cons iconCharges numerous fees

cons iconMax possible loan is only $20,000

Information on the Site is not intended for distribution to, or use by, any persons or entities in any jurisdictions or countries where such distribution or use is not authorized or licensed, or where any content displayed on or transaction offered through the Site is unlawful. You use the Site on your own initiative and are responsible for compliance with local laws.

The Site may provide general information about OneMain and the products and services offered by OneMain. Information on publicly-accessible pages of the Site (prior to authentication of your identity) does not constitute an offer to sell or a solicitation of any particular product or service. Some products and services may not be available in all states, and no product or service is available outside the United States. Your eligibility for particular products and services is subject to final determination, restrictions and acceptance by OneMain.

OneMain may discontinue or make changes to the information, products, licenses, or services described herein at any time. Any dated information is published as of its publication date only. OneMain does not undertake any obligation or responsibility to update or amend any such information. OneMain reserves the right to terminate any or all offerings without prior notice. Furthermore, by offering information, products or services through the Site, no solicitation is made by OneMain to any person to use such information, products or services in jurisdictions where the provision of information, products or services is prohibited by law. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07 to a total of $10,565.2.

  • $2K-$20K Loan Amount
  • 300 Min Credit
  • 18-35.99% APR
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Key Facts

  • Fast form-submission process
  • Funding in as little as 24 hours
  • Access to a large pool of lenders

Pros

pros iconFast form-submission process

pros iconUsers can see lenders’ proposed terms and interest rates before agreeing to a specific loan

pros iconFunding in as little as 24 hours

Cons

cons iconInterest rates could be as high as the borrower’s state of residence allows or even higher if the borrower gets connected with a tribal lender exempt from state caps on interest rates

cons iconCould result in multiple credit inquiries

cons iconNext Day Personal Loan does not have dedicated customer support available to users

Next Day Personal Loans Disclaimer: THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and/or lending partners and does not make loans or credit decisions. This Website does not constitute an offer or solicitation to lend. The operator of this Website is not an agent, representative or broker of any lender and/or lending partner and does not endorse or charge you for any service or product, but may receive compensation from the lender and/or lending partner for forwarding your information to them. Additionally, your information may be going to an aggregator and not a lender and/or lending partner. Your information can be sold multiple times leading to multiple offers from lenders and/or lending partners, and other marketers. Lenders and/or lending partners who buy your information may supplement it with additional information about you that they obtain from other sources. Not all lenders and/or lending partners can provide your requested type of loan and/or loan rate or terms, and we make no promises that you will be able to obtain a loan. Cash transfer times may vary by lenders and/or lending partners and local laws. Lenders and/or lending partners may perform a credit check to determine your creditworthiness. In some circumstances faxing may be required. For details, questions or concerns regarding your loan, please contact your lender and/or lending partner directly. Lenders and/or lending partners are solely responsible to you for all aspects of any loan request or loan transaction, including compliance with all applicable laws and regulations relating to your loan request form and any agreement or disclosures relating to your loan request form or loan transaction (including any adverse action notices or Truth-in-Lending Act disclosures). If you are not connected with a lender you may be connected with other financial service providers that offer products associated with your selected loan purpose. Residents of Connecticut, New Hampshire, Washington, and Vermont are not eligible to submit a request for a cash advance on this Website. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Representative example: Offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on Next Day Personal Loans of no greater than 35.99% APR with terms from 61 days to 180 months. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. An example of total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36 month life of the loan.

  • $100-$40K Loan Amount
  • 500 Min Credit
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Key Facts

  • Multiple lenders to choose from
  • Loans to customers with bad credit score
  • All fees depend on the specific lender

Pros

pros iconQuick and easy process to see if you are prequalified

pros iconFree and secure matching service

pros iconGreat for comparing loans

Cons

cons iconAPRs can vary

cons icon7-year max repayment terms

Even Financial, Inc./ Fiona (“Fiona”, “Even”, “Even Financial”, “we”, “us”, “our”) provides our Services (described below) to you through our website located at www.hifiona.com (the “Site”) and through our online content, tools and services related to the marketplace, whether accessed on the Site or through third-party websites, mobile sites and/or applications (collectively, such services, including any new features and applications, and the Site, the “Services”), subject to the following Terms of Service (as amended from time to time, these “Terms of Service”). We reserve the right, in our sole discretion, to change or modify portions of these Terms of Service at any time without further notice. You should periodically visit this page to review the current Terms of Service so you are aware of any revisions to which you are bound. If we make any revisions, we will post them on this page and will indicate at the top of this page the date these Terms of Service were last revised. We will also notify you of any material changes through a pop-up notice, email or other reasonable means. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms of Service. If you do not agree to abide by these or any future Terms of Service, do not use or access (or continue to use or access) the Services. In addition, when using certain services, you will be subject to any additional terms applicable to such services that may be posted on or in connection with the Services from time to time, including, without limitation, the Privacy Policy located at https://hifiona.com/privacy. All such terms are hereby incorporated by reference into these Terms of Service. If there is any conflict between such additional terms and these Terms of Service, the additional terms will supplement or amend these Terms of Service, but only with respect to the matters governed by the additional terms. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $10K-$250K Loan Amount
  • 550 Min Credit
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Key Facts

  • Accepts people with poor credit
  • Easy application process
  • Fast funding time

Pros

pros iconFast funding time

pros iconEasy application process

pros iconNo hard credit check

pros iconAccepts people with poor credit

Cons

cons iconHigh APRs

cons iconDoesn’t offer the biggest loan sizes

Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $300-$5K Loan Amount
  • 300 Min Credit
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Key Facts

  • Personal loans for any reason
  • Fast loan approval
  • Applying won't affect credit score

Pros

pros iconExtremely transparent marketplace

pros iconNo fees to apply

pros iconNo minimum credit score needed

Cons

cons iconVery high interest rates

cons iconLow maximum loan amount

Loan terms vary based on application details and qualifications. 

Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $1K-$11K Loan Amount
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Key Facts

  • No hidden fees or confusing terms
  • Flexible payment options to fit your budget
  • Financial solutions for bad credit

Pros

pros iconQuick and easy application process

pros iconFixed interest rate and term

pros iconCommitment to customer service

pros iconNo prepayment penalties

pros iconNo minimum credit score

Cons

cons iconHigh interest rates

cons iconRelatively small loan amounts

Disclaimer by OppLoans: Installment loan amounts typically range from $500 to $4,000. APR ranges from 59% to 160%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments would have an APR of 160% and monthly payments of $394.58. Rates and terms vary by state. This is an expensive form of credit, and you should determine whether our product(s) meets your financial needs.

  • $500-$4K Loan Amount
  • 300 Min Credit
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Key Facts

  • APR: Varies by lender
  • Loan Term: 12-60 months
  • Min Credit Score: 610

Pros

pros iconFree consultation and free-to-use platform

pros iconConnect borrowers with various financial solutions, including debt settlement, debt consolidation, personal loans, and bankruptcy consultation

pros iconActive American Fair Credit Council member

pros iconHelps with different types of debts (ex. tax debt, medical debt, credit card debt)

Cons

cons iconLimited information on their website

cons iconNo financial education resources

cons iconNot a direct lender

THE OPERATOR OF THIS WEBSITE IS NOT A DEBT RELIEF PROVIDER, LENDER, OR FINANCIAL SERVICE PROVIDER. The operator of this Website is not an agent, representative or broker of any debt relief provider, lender, or financial service provider and does not endorse or charge you for any service or product, but may receive compensation from the debt relief provider, lender, or financial service provider for forwarding your information to them. This Website does not constitute an offer or solicitation to lend. If you submit a request through this Website, we will share your information as may be required in order to connect you with selected providers of the services you request. By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email or postal mail. Your information may be going to an aggregator or marketer and not a debt relief provider, lender, or financial service provider. Your information can be sold multiple times leading to multiple offers from debt relief providers, lenders, financial service providers, aggregators, and other marketers. Providers who buy your information may supplement it with additional information about you that they obtain from other sources.

We make no promises regarding the ability of the debt relief or financial service providers to reduce the amount of your debt by a specific amount or percentage, or within a specific period of time. For details, questions or concerns regarding the debt relief services, please contact your debt relief provider or financial service provider directly. Not all lenders can provide your requested type of loan and/or loan rate or terms, and we make no promises that you will be able to obtain a loan. Cash transfer times may vary by lenders and/or lending partners and local laws. Lenders may perform a credit check to determine your creditworthiness. Lenders are solely responsible to you for all aspects of any loan request or loan transaction, including compliance with all applicable laws and regulations relating to your loan request form and any agreement or disclosures relating to your loan request form or loan transaction (including any adverse action notices or Truth-in-Lending Act disclosures).

The operator of this Website does not recommend, endorse, warrant or guarantee the products or services of any third party and is not party to any discussions that you may have or agreements that you may make with any third party. Your business dealings with any third parties, including any debt relief provider, lender, or financial service providers are solely between you and such third party. We are not responsible to you for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort incurred as a result of such dealings. The use of debt relief services may adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your accounts due to the accrual of fees and interest. Short-term loans are an expensive form of credit and not a long-term financial solution. Please use short-term loans responsibly

This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Residents of PA are not eligible to submit a request for debt relief on this Website. Residents of CT, NH, VT, and WA are not eligible to submit a request for loans on this Website. © Copyright 2018 – 2023. Debt Advisor. All Rights Reserved. All trademarks, service marks, trade names, product names and logos appearing on the site are the property of their respective owners. Any rights not expressly granted herein are reserved. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • $2K-$40K Loan Amount
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Key Facts

  • APR: 99%-399%
  • Loan Term: 6-24 months
  • Min Credit Score: 300

Pros

pros iconNext day funding

pros iconDeals with poor credit

pros iconEasy application process

pros iconSoft credit check

Cons

cons iconHigh APRs

cons iconOnly available in certain states

* Loan products only offered to residents of states where permitted by law. To obtain a loan or line of credit, you must apply and have a valid checking account and email address. In some cases we may not be able to verify your application information and may need you to provide certain documents. Funds for loan agreements fully executed by 8pm CT on business days and 3:30pm CT on Sundays are typically sent the next business day. Check with your financial institution’s funds availability policy to learn when it will provide you with access to the funds.

This is an expensive form of credit and not intended to provide a solution for all credit or other financial needs. We will never charge you any “hidden fees” that are not fully disclosed to you. If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. The actual amount and terms of loans and lines of credit vary based on credit worthiness and state law. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

Integra Credit is a brand name used by Deinde Group, LLC, Deinde Financial, LLC, Deinde Online Services, LLC. Integra Credit One, LLC, Integra Credit Two, LLC, Integra Credit Three, LLC, Integra Credit Four, LLC and Integra Credit Five, LLC.

For California Residents: Loans made or arranged pursuant to a California Finance Lenders Law License. Integra Credit Four, LLC dba Integra Credit – California Finance Lender License number 60 DBO88994.

Residents of Arizona, Arkansas, Florida, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, Ohio, Oregon, South Dakota and Texas – Integra Credit branded loans are made by Transportation Alliance Bank, Inc. doing business as TAB Bank.

Residents of other states – Integra Credit branded loans are made by a licensed Integra Credit company.

All loans are serviced by Deinde Financial, LLC.

  • $500-$3K Loan Amount
  • 300 Min Credit

What is a Dental Loan?

A dental loan is a type of personal loan specifically designed to cover the cost of dental work, including procedures not typically covered by insurance. This can range from basic dental care, such as cleanings and fillings, to more extensive procedures like orthodontics, cosmetic dentistry, or oral surgery. Banks, credit unions, and online lenders offer dental loans, allowing patients to finance their dental care over time, often with interest.

Top Dental Loan Providers

sofi logo
SoFi

Low Rates. No Fees are Required.

680

Min Credit Score

8.99-29.99%

APR. Fixed Rate

8.99-29.99%

APR. Variable Rate

$5K-$100K

Loan Amount

24 to 84 months

Repayment terms

Yes

Soft Credit Pull

Direct

Lender Type

None

Other Fees

None

Origination Fee

None

Prepayment Fee

Same-day funding if approved before 7:00 PM ET days

Funding Time

Pros & Cons

drop-down-btn
  • con-icon Personal loan application process is easy and only takes a few minutes to complete
  • con-icon Soft credit check that doesn’t affect your credit score and gives you personalized rates
  • con-icon Fixed and variable rate loans available ranging from $5,000 to $100,000
  • con-icon No late or origination fees required
  • con-icon Excellent customer support team
  • con-icon Online autopay comes with a discount on interest
  • con-icon Exclusive benefits for members (ex. networking events and access to financial advisors)
  • con-icon Unemployment Protection feature comes with a temporary payment pause (up to 12 months)
  • con-icon No prepayment penalties
  • con-icon May take up to 4 days to receive funds after approval (longer than other online lenders)
  • con-icon High eligibility requirements (ex. good credit and sufficient income)

Loan Purpose

drop-down-btn
  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Relocation
  • Vacation
  • Wedding

Loan Type

drop-down-btn
  • Unsecured Personal Loans

660

Min Credit Score

7.99-25.49%

APR. Fixed Rate

$5K-$100K

Loan Amount

2-7 years

Repayment terms

No

Soft Credit Pull

Direct

Lender Type

None

Other Fees

None

Origination Fee

None

Prepayment Fee

1 days

Funding Time

Pros & Cons

drop-down-btn
  • con-icon Get a loan for practically anything
  • con-icon Autopay discount available
  • con-icon Dedicated app to manage your loan
  • con-icon LightStream doesn’t charge any fees
  • con-icon Personal loan up to $100K
  • con-icon Requires steady income
  • con-icon 1-3 Days till funding

Loan Purpose

drop-down-btn
  • Car
  • Major Purchase
  • Household Expenses
  • Vacation
  • Wedding
  • Other

Loan Type

drop-down-btn
  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans

600

Min Credit Score

8.99-35.99%

APR. Fixed Rate

8.99-35.99%

APR. Variable Rate

$2K-$50K

Loan Amount

36-60 months

Repayment terms

Yes

Soft Credit Pull

Direct

Lender Type

Yes

Other Fees

0.99-8.99%

Origination Fee

Undisclosed

Prepayment Fee

1-3 days

Funding Time

Pros & Cons

drop-down-btn
  • con-icon Soft credit pull for pre-approval
  • con-icon Funding could arrive in 1 day
  • con-icon Application takes a few minutes
  • con-icon APR presented past pre-approval
  • con-icon Credit score criteria not clear
  • con-icon Loans require an origination fee

Loan Purpose

drop-down-btn
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Relocation
  • Vacation
  • Wedding
  • Other

How do Dental Loans Work?

Dental loans are unsecured personal loans designed to cover the cost of dental procedures, which can be paid for upfront and repaid over time. By comparing interest rates, terms, and fees from various lenders, you can shop for a loan and apply. 

Borrowers repay the loan in monthly installments, including both interest and principal, once the dental office approves the loan or directly to them. Early repayment without penalties may also be available from some lenders. 

Dental loans can be particularly useful for financing procedures not covered by insurance, but it's important to consider the overall cost and ensure the repayment terms fit within one's budget.

How to Compare Personal Loans for Dental Work

Comparing personal loans for dental work involves several key factors to ensure you choose the best option for your financial situation and dental care needs. Here's a step-by-step guide on what to compare personal loans for dental work:

  1. Interest Rates: The interest rate is one of the most critical factors to consider, as it determines how much extra you will pay on top of the borrowed amount. Look for the lowest annual percentage rate (APR) available, which includes both the interest rate and any loan fees charged by the lender.
  2. Loan Terms: Loan terms refer to the time you must repay the loan. Shorter terms usually mean higher monthly payments but lower total interest paid, while longer terms spread the payments but increase the total interest. Choose a term offering a monthly payment you can afford without stretching your budget.
  3. Fees: Be aware of any additional fees that could increase the cost of the loan, such as origination fees, late payment fees, prepayment penalties, or processing fees. Some lenders offer loans with no fees, which can significantly reduce the overall cost.
  4. Loan Amounts: Ensure the lender offers a loan that covers dental work costs. Some lenders may offer smaller loans, while others can provide more substantial amounts. Borrowing only what you need is important to avoid paying interest on unnecessary funds.
  5. Repayment Flexibility: Look for loans that offer repayment flexibility, such as the ability to choose your payment date, the option for early repayment without penalties, or the availability of hardship plans in case of financial difficulties.
  6. Funding Speed: If you need dental work done urgently, consider how quickly each lender can provide the funds. Some lenders offer fast funding, sometimes within one business day after approval, which can be crucial for emergency dental procedures.
  7. Credit Requirements: Check the lender's credit score requirements. Some lenders cater to borrowers with excellent credit, offering lower interest rates, while others are more flexible and provide loans to those with less-than-perfect credit at higher rates.
  8. Customer Service: Good customer service can be invaluable, especially if you encounter any issues with your loan. Look for lenders with positive customer reviews and multiple channels for customer support.

When comparing personal loans for dental work, it's helpful to use online loan comparison tools and calculators to estimate your monthly payments and total interest paid over the life of the loan. Always read the fine print and understand all the terms and conditions before committing to a loan.

Pros and Cons of Dental Loans

Pros Cons
Immediate Access to Care: You can receive dental treatment immediately without waiting to save up the full amount. Interest and Fees: Depending on your credit score and loan terms, you might pay high-interest rates and fees, increasing the overall cost of dental care.
Flexible Repayment Terms: Offers flexible repayment terms, enabling you to choose a loan term that fits your budget. Debt Obligation: Taking out a loan adds to your debt burden, impacting your ability to borrow or manage other financial obligations.
Covers a Wide Range of Procedures: Can be used for a variety of dental work, including procedures not covered by insurance. Credit Requirements: Good credit is often required to qualify for the best interest rates. Those with poor credit may face higher rates or not qualify for a loan.
No Collateral Required: An unsecured loan doesn't require any collateral, so you don't risk losing any assets if you cannot repay the loan. Potential for Overspending: Having access to a lump sum of money might lead to spending more on dental work than necessary or opting for more expensive treatments.
Fixed Interest Rates: Many dental loans come with fixed interest rates, which means your monthly payment won't change over the life of the loan. Impact on Credit Score: Applying for a loan involves a hard credit inquiry, which can temporarily lower your credit score. 

How to Apply for a Dental Loan

Applying for a dental loan involves steps designed to secure financing for your dental procedures. Here's a structured approach to applying for a dental loan:

1. Determine Your Needs

Estimate Costs: Consult with your dentist for a detailed estimate of the costs of the dental work you need. This includes everything from basic procedures to more extensive treatments.

2. Check Your Credit Score

Obtain a copy of your credit report from the major credit bureaus. Your credit score will significantly influence your loan terms, including interest rates and eligibility. If necessary, improve your credit score before applying, such as paying down existing debt or correcting any errors on your credit report.

3. Research Lenders

When seeking personal loans for dental work, explore various lenders, including banks, credit unions, and online platforms, and compare their offers by evaluating interest rates, loan terms, fees, and eligibility requirements, utilizing online loan calculators to estimate monthly payments and the total interest costs.

4. Gather Necessary Documentation

  • Personal Information: Be prepared to provide personal identification, such as a driver's license or passport.
  • Financial Information: Collect documentation on your income, employment, and any other financial obligations. This may include pay stubs, tax returns, and bank statements.

5. Apply for the Loan

  • Application Process: Complete the loan application, which can often be done online. Provide all the required documentation and information accurately to avoid delays.
  • Loan Approval: Wait for the lender to process your application. This may involve a hard credit check, temporarily impacting your credit score.

6. Review and Accept the Loan Offer

  • Loan Terms: Carefully review the loan offer, paying close attention to the interest rate, repayment term, monthly payment amount, and any fees associated with the loan.
  • Acceptance: If the terms are acceptable, accept the loan offer. The lender will then finalize the loan details and disburse the funds, either directly to you or to the dental office, depending on the arrangement.

7. Repay the Loan

  • Monthly Payments: Make regular monthly payments on the loan according to the agreed-upon schedule. Consider setting up automatic payments to avoid missing any payments.
  • Early Repayment: If possible, consider making extra payments or paying off the loan early to save on interest charges, assuming there are no prepayment penalties.

Applying for a dental loan requires careful planning and consideration to ensure you get the best terms possible and can comfortably manage the repayment.

Alternative Dental Financing Options

For those seeking ways to finance dental work beyond traditional dental loans, several alternative options can help manage the cost of dental care. These alternatives can be particularly useful for individuals with limited access to credit or those looking for more flexible or cost-effective solutions. Here are some alternative dental financing options:

  • Dental Payment Plans: Many dental practices offer in-house payment plans that allow patients to pay for their treatment over time. These plans may have lower interest rates or even interest-free periods, making them attractive.
  • Medical Credit Cards: Specialized credit cards like CareCredit are designed for healthcare expenses, including dental work. They often offer promotional periods with deferred interest, but paying off the balance before the promotional period ends is crucial to avoid high-interest rates.
  • Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs): If you have an HSA or FSA, you can use these funds to pay for eligible dental expenses. This can effectively reduce the cost of dental care by allowing you to use pre-tax dollars.
  • Dental Schools: Dental schools often offer dental services at a reduced rate as part of their training program for dental students. While students perform treatments, they are supervised by licensed dentists, ensuring a high standard of care.
  • Nonprofit Organizations: Some nonprofit organizations offer free or low-cost dental treatment for individuals with low income, special needs, or those in emergency situations. Examples include the Dental Lifeline Network and local health departments.
  • Government Programs: In some states, Medicaid and the Children's Health Insurance Program (CHIP) provide dental coverage for eligible adults and children. Coverage and eligibility vary by state, so checking your state's benefits is worth checking.
  • Crowdfunding: Platforms like GoFundMe allow individuals to raise funds for medical and dental expenses. This can be a way to gather support from friends, family, and the community for costly dental procedures.
  • Negotiate with Your Dentist: Dentists may offer discounts for upfront cash payments or when multiple family members receive treatment. It's always worth discussing payment options and potential discounts with your dental care provider.
  • Dental Insurance: While not an alternative to financing, having dental insurance can significantly reduce out-of-pocket costs for routine care and some procedures. Understanding your policy's coverage, including any waiting periods and maximum benefits.

When considering alternative dental financing options, it's crucial to thoroughly research and compare the terms, eligibility requirements, and potential costs associated with each option. By exploring these alternatives, you can find a solution that fits your financial situation and dental care needs.

Conclusion

By carefully evaluating interest rates, loan terms, fees, and eligibility requirements and using tools like online loan calculators, you can make an informed decision that best suits your financial situation. This approach ensures that you not only secure the necessary funds for your dental care but also manage the repayment in a way that is sustainable and aligned with your financial health. It's important to remember that the right dental loan can provide you with the means to access immediate dental care while offering a manageable repayment plan that contributes to both your dental and financial well-being.