How to Read This Comparison
The table and profiles below summarize 22 well-known personal loan and small-dollar lenders from public information — every figure is an estimate that changes with credit profile, state, and time, so treat this page as a map, not a quote.
Fidelity Funding publishes this personal loan comparison so borrowers can judge network offers against the broader market. Three caveats keep it honest: advertised ranges are floors-to-ceilings, not promises; state licensing means your actual menu differs by address; and a lender's posture toward credit bands matters more than its best-case rate.
No personal loan name here links out and nothing here is a recommendation — it is context. When a Fidelity Funding offer lands in your inbox, this page is the ten-minute sanity check that tells you whether the APR is competitive for your band, which is the only comparison that counts.
The 22-Lender Table
At a glance, the personal loan market splits into three tiers: mainstream online lenders near 7%–36% APR, branch-based flexible-credit lenders in the upper band, and high-cost small-dollar specialists above it.
| Lender | Amounts (est.) | APR band (est.) | Credit posture |
|---|---|---|---|
| Avant | $2,000–$35,000 | 9.95%–35.99% | Fair credit and up |
| Upstart | $1,000–$50,000 | 6.6%–35.99% | Thin files welcome |
| Upgrade | $1,000–$50,000 | 7.99%–35.99% | Fair credit and up |
| LendingPoint | $2,000–$36,500 | 7.99%–35.99% | Fair credit focus |
| Best Egg | $2,000–$50,000 | 6.99%–35.99% | Good credit preferred |
| Prosper | $2,000–$50,000 | 8.99%–35.99% | Fair credit and up |
| Happy Money | $5,000–$40,000 | 8.95%–17.48% | Good credit, payoff focus |
| Oportun | $300–$10,000 | APR capped at 35.95% | No credit history OK |
| NetCredit | $1,000–$10,000 | High double-digit APRs | Rebuilding credit |
| Universal Credit | $1,000–$50,000 | 11.69%–35.99% | Fair to rebuilding |
| OneMain Financial | $1,500–$20,000 | 18%–35.99% | Branch + online, flexible credit |
| Mariner Finance | $1,000–$25,000 | High double-digit APRs | Branch-based, flexible credit |
| Regional Finance | $600–$20,000 | High double-digit APRs | Branch-based, flexible credit |
| Achieve | $5,000–$50,000 | 8.99%–35.99% | Debt resolution focus |
| LendingClub | $1,000–$40,000 | 8.98%–35.99% | Fair credit and up |
| Reach Financial | $3,500–$40,000 | High single to mid double-digit | Debt consolidation only |
| Rocket Loans | $2,000–$45,000 | 9.116%–29.99% | Good credit preferred |
| Jora Credit | $500–$4,000 | Very high APRs | Rebuilding credit |
| Rise Credit | $300–$5,000 | Very high APRs | Rebuilding credit |
| OppLoans | $500–$4,000 | Very high APRs | No minimum score |
| Possible Finance | Up to $500 | Fee-based small loans | Building credit |
| Axos Bank | $7,000–$50,000 | 11.79%–20.84% | Good credit, larger loans |
Floors matter as much as rates for this site's audience: many mainstream names start at $1,000–$2,000 or higher, which is exactly why small personal loans route through networks reaching the specialists. Read your target amount down the second column before weighing anything else.
Lender Profiles in Brief
Each profile below compresses a personal loan lender's public positioning into three lines — amounts, pricing band, credit posture — plus the one caveat most worth knowing before comparing an offer.
Avant
Amounts: $2,000–$35,000 · APR: 9.95%–35.99% · Posture: Fair credit and up (all estimates from public information)
Mid-score files get mainstream treatment; next-day funding is routine and the mobile servicing is clean. Minimum amounts start above this site's smallest tiers, so $500-level needs look elsewhere.
Upstart
Amounts: $1,000–$50,000 · APR: 6.6%–35.99% · Posture: Thin files welcome (all estimates from public information)
AI-driven underwriting weighs education and work history, which helps thin files that score poorly. Origination fees can run high, so the APR line deserves extra attention.
Upgrade
Amounts: $1,000–$50,000 · APR: 7.99%–35.99% · Posture: Fair credit and up (all estimates from public information)
Offers direct creditor payoff on consolidations and small autopay discounts. Funding is quick once verification clears; origination fees apply to most offers.
LendingPoint
Amounts: $2,000–$36,500 · APR: 7.99%–35.99% · Posture: Fair credit focus (all estimates from public information)
Built for the 600s-score borrower with steady income. Fast decisions and flexible terms, though the floor amount excludes the smallest requests.
Best Egg
Amounts: $2,000–$50,000 · APR: 6.99%–35.99% · Posture: Good credit preferred (all estimates from public information)
Strong pricing for 700+ files and a smooth process. Secured options exist for homeowners; origination fees are standard on most loans.
Prosper
Amounts: $2,000–$50,000 · APR: 8.99%–35.99% · Posture: Fair credit and up (all estimates from public information)
A long-running marketplace lender with predictable underwriting. Funding can take a couple of days longer than the fastest online rivals.
Happy Money
Amounts: $5,000–$40,000 · APR: 8.95%–17.48% · Posture: Good credit, payoff focus (all estimates from public information)
Purpose-built for credit card payoff with below-market caps — but the $5,000 floor sits at the very top of this site's range, limiting overlap.
Oportun
Amounts: $300–$10,000 · APR: APR capped at 35.95% · Posture: No credit history OK (all estimates from public information)
Serves borrowers with little or no credit history, with small minimums and bilingual service. Rates sit near the cap, and availability varies by state.
NetCredit
Amounts: $1,000–$10,000 · APR: High double-digit APRs · Posture: Rebuilding credit (all estimates from public information)
An online installment lender for damaged files; approvals lean on income. APRs run well above mainstream — compare carefully before signing.
Universal Credit
Amounts: $1,000–$50,000 · APR: 11.69%–35.99% · Posture: Fair to rebuilding (all estimates from public information)
An Upgrade-affiliated brand aimed one band lower on the credit spectrum, with credit-monitoring tools bundled in. Origination fees apply.
OneMain Financial
Amounts: $1,500–$20,000 · APR: 18%–35.99% · Posture: Branch + online, flexible credit (all estimates from public information)
The storefront giant: in-person service in most states and secured options using a vehicle. Rates start high; the branch visit is part of the model.
Mariner Finance
Amounts: $1,000–$25,000 · APR: High double-digit APRs · Posture: Branch-based, flexible credit (all estimates from public information)
A regional branch lender comfortable with imperfect files; expect an in-person step and pricing near the top of the band.
Regional Finance
Amounts: $600–$20,000 · APR: High double-digit APRs · Posture: Branch-based, flexible credit (all estimates from public information)
Small-dollar installment loans through southern and midwestern branches. Accessible underwriting, branch-era paperwork, premium pricing.
Achieve
Amounts: $5,000–$50,000 · APR: 8.99%–35.99% · Posture: Debt resolution focus (all estimates from public information)
Consolidation-centric with direct-pay discounts, but the $5,000 floor only touches the top of this site's range.
LendingClub
Amounts: $1,000–$40,000 · APR: 8.98%–35.99% · Posture: Fair credit and up (all estimates from public information)
The marketplace pioneer, now a bank. Solid consolidation tooling and joint applications; funding speed is average for the tier.
Reach Financial
Amounts: $3,500–$40,000 · APR: High single to mid double-digit · Posture: Debt consolidation only (all estimates from public information)
Purpose-restricted to consolidation with direct creditor payment. Fast funding; the floor excludes smaller cleanups.
Rocket Loans
Amounts: $2,000–$45,000 · APR: 9.116%–29.99% · Posture: Good credit preferred (all estimates from public information)
Same-day funding is genuinely common here for strong files. Origination fees apply and pricing favors the 680+ crowd.
Jora Credit
Amounts: $500–$4,000 · APR: Very high APRs · Posture: Rebuilding credit (all estimates from public information)
A small-dollar installment lender in the high-cost tier. Amounts match this site's range exactly, but APRs demand a hard comparison against alternatives.
Rise Credit
Amounts: $300–$5,000 · APR: Very high APRs · Posture: Rebuilding credit (all estimates from public information)
High-cost installment loans with rate-reduction programs for repeat on-time borrowers. Treat as a last comparison, not a first choice.
OppLoans
Amounts: $500–$4,000 · APR: Very high APRs · Posture: No minimum score (all estimates from public information)
No-credit-check installment lending priced accordingly. Reports to bureaus, funds fast, and costs far more than mainstream offers — compare before committing.
Possible Finance
Amounts: Up to $500 · APR: Fee-based small loans · Posture: Building credit (all estimates from public information)
App-based small-dollar loans repaid in installments with bureau reporting. Useful at the $500 edge; fees annualize high for the size.
Axos Bank
Amounts: $7,000–$50,000 · APR: 11.79%–20.84% · Posture: Good credit, larger loans (all estimates from public information)
A digital bank with competitive mid-range pricing — but its floor sits above this site's entire range, included here for contrast.
Patterns Worth Noticing
Across all 22 personal loan lenders, three patterns repeat: pricing tracks credit posture more than brand, amount floors quietly exclude small borrowers from mainstream rates, and the highest-cost tier compensates with the loosest approval.
The pattern that costs borrowers most is the second one. A 680-score borrower needing $800 cannot reach the mainstream 15% tier whose floors start at $1,000–$2,000 — the structural gap that keeps small personal loans priced higher everywhere. The rates guide explains the fixed-cost math behind it.
The third pattern is the trade every rebuilding borrower should see plainly: the no-minimum-score lenders price their openness steeply. The bad credit guide covers when that trade is worth taking and how to graduate out of the tier quickly.
How the Fidelity Funding Network Fits In
A Fidelity Funding request doesn't replace this comparison — it operationalizes it: one soft-pull form returns the live offers your actual file draws, which you can then judge against the bands on this page.
The table shows the market's advertised shape; the request shows your personal slice of it. Used together they answer the question advertising never will — what does my file price at, today, across many lenders at once — without a single hard inquiry.
That is the honest division of labor: this page for context, the request for facts, and the calculator for what any offer costs per month. Comparison is cheap everywhere on this site by design.
Methodology and Honest Limits
Figures on this page come from lenders' public disclosures and widely reported ranges, compiled as estimates — they shift with market rates, state rules, and lender policy, and your written offer always supersedes them.
Fidelity Funding refreshes the page when the personal loan market visibly moves, and we round aggressively rather than implying precision that doesn't exist. Where a lender's pricing is best summarized as 'very high', we say that instead of printing a number that would be stale by Friday.
Corrections are welcome through the contact page. A personal loan comparison resource earns trust by being checkable, and every line above is meant to be checked.
Reading the Table for Small Personal Loans Specifically
For small personal loans of $500–$1,500, the usable column shrinks to the handful of lenders whose floors reach down — which is precisely the tier where network matching through Fidelity Funding earns its keep.
Scan the amounts column with a $700 need and most mainstream rows disqualify themselves: floors at $1,000, $2,000, even $5,000. What remains is a short list of small-dollar specialists whose pricing demands the hardest comparison on this page. A personal loan request routed through the Fidelity Funding network reaches that short list — plus the mainstream lenders whose floors your amount does clear — in one soft pull.
The same logic inverts at the top: a $5,000 need unlocks nearly every row, and the comparison becomes a pure APR contest. Either way, the personal loan you sign should be the one this table helped you contextualize, and the rates guide supplies the band your file should expect.
Comparing on More Than Rate
Beyond APR, five features separate personal loan lenders in practice: reporting to all three bureaus, autopay discounts, direct creditor payoff, prepayment freedom, and the quality of servicing after funding.
Two offers at identical APRs can differ meaningfully on this second layer. A personal loan that reports to all three bureaus builds credit faster than one reporting to a single bureau; a consolidation lender that pays creditors directly removes a failure mode; a clean servicing portal turns eighteen months of repayment into a non-event. The reviews on this page's profiled lenders consistently hinge on exactly these features.
Fast personal loans marketing tends to drown this layer out, which is the reason to read for it deliberately. The glossary defines each feature term, and your agreement states which ones your personal loan actually carries.
Closing the Comparison Loop
The loop this page completes: the table frames the personal loan market, your Fidelity Funding offers mark your position in it, and the calculator prices the difference between any two rows in dollars.
Run the loop once and the personal loan decision stops being abstract: a 26% offer on a fair-credit file reads as mid-band and fair; a 34% offer on the same file reads as worth one more comparison. Without the frame, every personal loan number looks arbitrary; with it, each one has an address.
Fidelity Funding maintains this page precisely because framed borrowers sign better personal loan agreements — and better agreements finish, which is the outcome the whole network is priced on. The calculator and rates guide complete the toolkit; the personal loan request puts it to work.