Compare Personal Loans: Fig Loan vs Top Lenders
Compare your fig loan options with 24 leading personal loan lenders. See real APR rates, loan amounts, fees, credit requirements, and funding speed to find the best fig loan or personal loan for your situation.
24 Personal Loan Lenders Compared
Finding the right personal loan requires comparing multiple lenders. Whether you choose a fig loan from Fig Loans or another provider, understanding APR ranges, fees, and eligibility requirements helps you make an informed decision. Every fig loan from Fig Loans reports to all three credit bureaus to help build your credit score.
SoFi
8.99%–29.49% APR✓ Pros: No fees, unemployment protection, large amounts, career coaching
✗ Cons: Requires good credit, no co-signer option
LendingClub
9.57%–35.99% APR✓ Pros: Co-borrower option, direct creditor payment, fair credit accepted
✗ Cons: Origination fee, no same-day funding
Discover
7.99%–24.99% APR✓ Pros: No fees at all, flexible terms, direct payment to creditors
✗ Cons: Higher credit requirement, no joint applications
Upstart
6.5%–35.99% APR✓ Pros: AI-based approval, accepts thin credit, education considered
✗ Cons: High origination fee possible, high max APR
LightStream
6.49%–25.49% APR✓ Pros: Lowest rates available, no fees, same-day funding, rate beat program
✗ Cons: No prequalification, requires excellent credit for best rates
Prosper
8.99%–35.99% APR✓ Pros: Lower credit accepted, joint loans available, peer-to-peer model
✗ Cons: Origination fee, slower funding, high max APR
Upgrade
9.99%–35.99% APR✓ Pros: Low credit accepted, credit monitoring, autopay discount, flexible amounts
✗ Cons: Origination fee, high max APR
Best Egg
8.99%–35.99% APR✓ Pros: Quick funding, secured option for lower rates, straightforward process
✗ Cons: Origination fee, limited term options
Avant
9.95%–35.99% APR✓ Pros: Bad credit accepted, fast next-day funding, mobile app management
✗ Cons: Origination fee, admin fee possible, limited loan amount
Marcus by Goldman Sachs
6.99%–24.99% APR✓ Pros: Zero fees of any kind, no late fees, on-time payment reward
✗ Cons: Slower funding, no co-signer option, higher minimum amount
Rocket Loans
9.99%–29.99% APR✓ Pros: Same-day funding, Rocket ecosystem integration, simple online process
✗ Cons: Origination fee, limited term options
Oportun
Up to 35.99% APR✓ Pros: No credit score required, very low minimum loan, credit building
✗ Cons: High APR, high origination fee, limited amounts
OneMain Financial
18%–35.99% APR✓ Pros: In-person branches, secured option, no minimum credit score
✗ Cons: Higher rates, in-branch visit may be required, origination fee
Universal Credit
11.69%–35.99% APR✓ Pros: Fair credit accepted, larger amounts available, soft prequalification
✗ Cons: High origination fee, limited term options
NetCredit
34%–155% APR✓ Pros: Very bad credit accepted, no origination fee, fast funding
✗ Cons: Extremely high APR, very limited amounts, not available everywhere
OppLoans
160%–179% APR✓ Pros: No credit check, fast approval, reports to credit bureaus
✗ Cons: Extremely high APR, very small amounts, short terms
PenFed Credit Union
7.74%–17.99% APR✓ Pros: Low rates, no fees, credit union rates, military-friendly
✗ Cons: Membership required, slower funding
Navy Federal
8.99%–18% APR✓ Pros: Very low rates, no fees, military community, low minimum
✗ Cons: Military/DoD membership required
Achieve
8.99%–35.99% APR✓ Pros: Debt resolution option, personalized service, larger amounts
✗ Cons: Origination fee, higher minimum loan amount
Laurel Road
8.45%–25.50% APR✓ Pros: No fees, healthcare professional discounts, competitive rates
✗ Cons: Higher minimum, limited to certain professionals for best rates
Reach Financial
5.99%–35.99% APR✓ Pros: Low starting APR, debt consolidation focus, flexible terms
✗ Cons: Origination fee, limited direct info available
LendingPoint
7.99%–35.99% APR✓ Pros: Lower credit accepted, fast next-day funding, flexible terms
✗ Cons: Possible origination fee, moderate loan limits
Happy Money
11.52%–17.99% APR✓ Pros: Specifically for credit card payoff, lower max APR, behavioral science approach
✗ Cons: Only for debt consolidation, origination fee, limited use
Fig Loans
35.99%–199% APR✓ Pros: No credit score minimum, builds credit, reports to all 3 bureaus, fast funding, transparent terms
✗ Cons: Higher APR, smaller loan amounts, limited to select states
Why Compare Before Choosing a Fig Loan
When shopping for a personal loan, comparing lenders helps you find the best rates and terms. A fig loan from Fig Loans is designed specifically for borrowers who want to build credit while accessing fair lending. Unlike many lenders that require good or excellent credit, a fig loan from Fig Loans has no minimum credit score requirement. Every fig loan payment is reported to Equifax, Experian, and TransUnion, turning your fig loan into a credit-building tool.
While other lenders may offer lower APR for borrowers with excellent credit, a fig loan provides access to credit for those who might not qualify elsewhere. The fig loan application takes just minutes, and most fig loan borrowers receive funds by the next business day. Consider your credit score, the loan amount you need, and whether credit building is important to you when comparing these options to a fig loan.
Checking your fig loan rate won't affect your credit score