Lender Overviews
Research Popular Loan Providers Before You Borrow
We have compiled factual overviews of well-known lenders, both currently active and those that have closed. Fundslender is not affiliated with, endorsed by, or a partner of any lender listed here. These pages are independent research resources.
Active Lenders
These lenders are currently operating. Overviews cover typical loan types, rate ranges, credit tiers served, and key considerations. All information is for research purposes only.
LendingClub
Personal loans and marketplace lending. Targets fair-to-good credit borrowers with loan amounts up to $40,000.
SoFi
Personal loans, student loan refinancing, and mortgages. Focused on borrowers with strong credit profiles.
Upstart
AI-driven underwriting that looks beyond credit scores. Personal loans for a range of credit backgrounds.
Marcus by Goldman Sachs
No-fee personal loans from Goldman Sachs. Competitive rates for good-to-excellent credit.
LightStream
Truist-backed lender offering low-rate personal loans for large amounts. Strong credit required.
Avant
Installment loans targeting borrowers with fair to mid-range credit scores, typically 580 and above.
OneMain Financial
Branch-based lender offering secured and unsecured personal loans for borrowers with limited credit options.
Prosper
Peer-to-peer personal loan marketplace. Loans funded by individual and institutional investors.
Best Egg
Personal loans for debt consolidation, home improvement, and major expenses. Moderate credit requirements.
Upgrade
Personal loans and credit products. Includes credit health monitoring and flexible repayment options.
OppLoans (OppFi)
High-cost installment loans for borrowers who cannot access mainstream credit. Very high APRs apply.
NetCredit
Enova-owned installment lender for thin and poor credit profiles. High rates; read costs carefully.
Oportun
Installment loans for borrowers with little or no credit history. Lower rates than typical high-cost lenders.
CashNetUSA
Online short-term lender offering payday loans and installment loans in states where permitted.
Advance America
Large national payday loan chain. Storefront and online. Very high APRs; alternatives are strongly recommended.
Check Into Cash
Payday and installment lender with storefront and online presence. High costs apply; understand all fees first.
ACE Cash Express
Payday, installment, and title loans. Operates in select states. High-cost short-term borrowing.
Speedy Cash
Short-term lender with storefront and online options. Payday and installment products in licensed states.
MoneyLion
Fintech platform offering small cash advances, personal loans, and banking products via mobile app.
LoanMart
Title and personal loans for borrowers who may have limited conventional options. Review costs carefully.
Closed and Former Lenders
These lenders are no longer operating, have shut down under regulatory enforcement, or have been absorbed into other companies. If you are searching for one of these providers, the pages below explain what happened and what alternatives are available.
LendUp
Shut down in 2021 following FTC enforcement action. No longer accepts new applications or services loans.
CashCall
Largely shutdown following CFPB enforcement. Subject to significant regulatory penalties and restrictions.
Western Sky Financial
Closed in 2013 after states banned its loan products. Borrowers with outstanding loans were transferred to servicers.
Think Finance
Filed for bankruptcy in 2017 following state and CFPB actions. Loan portfolios transferred or settled.
Plain Green Loans
Tribal installment lender that faced significant regulatory and legal challenges. Operations severely curtailed.
Springleaf Financial
Rebranded as OneMain Financial in 2015. If you had a Springleaf loan, your account now sits with OneMain.
AmeriCredit
Acquired by GM Financial in 2010. Consumer personal lending under the AmeriCredit brand has ended.
Ameriquest Mortgage
Closed in 2007 following a landmark predatory lending settlement. One of the largest subprime lenders of its era.
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