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Online lender directory

Browse online personal loan lenders in one place.

Use this page to compare online-first lenders, marketplace-style brands, and faster digital application options before you decide where to apply.

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Online lenders at a glance

Online lenders can be useful when speed, easier digital applications, or broader approval coverage matter more than branch access.

16 Online lenders tracked in the lender directory.
16 Pages in this category already have BestMoneyStore reviews.
16 Profiles in this category already connect to the deeper ranked dataset.
14 Direct lenders in this category for cleaner side-by-side comparison.

Browse by lender type

Use these pages to stay inside one lender lane at a time instead of mixing every kind of institution into one long list.

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馃捇 Online lenders

Online lenders

Online lenders can be useful when speed, easier digital applications, or broader approval coverage matter more than branch access.

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馃彟 Banks

Banks

Bank lenders are usually most useful for borrowers who care about stronger credit-based pricing, relationship discounts, or a familiar branch-backed institution.

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馃 Credit unions

Credit unions

Credit unions are useful when you want to compare member-focused loan options, but you still need to confirm membership, geography, and underwriting fit.

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馃搶 Consumer finance

Consumer finance

Consumer finance lenders can help when approval access matters most, but the tradeoff is often higher APR or more careful payment planning.

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馃Л Specialty

Specialty lenders

Specialty lenders are best treated as compare-carefully options because product structure, borrower lane, and approval logic can differ more than with mainstream lenders.

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Online lenders directory

Search, sort, and narrow this lender type before you move to a review page, comparison view, or live form.

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16 lenders matched

Achieve

Fintech lender 路 Direct lender 路 Ranked dataset

Debt consolidation 1-3 days Review available
APR range
Typical range$5,000 - $50,000
Min score620
Approval signal60%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilitySubject to state availability and underwriting.
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceAchieve personal loans
Read review Compare Check fit

Avant

Fintech lender 路 Direct lender 路 Ranked dataset

Bad credit 24h Review available
APR range
Typical range$2,000 - $35,000
Min score550
Approval signal75%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityNot disclosed
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceAvant personal loans
Read review Compare Check fit

Best Egg

Fintech lender 路 Direct lender 路 Ranked dataset

Fast funding 24h Review available
APR range
Typical range$2,000 - $50,000
Min score600
Approval signal70%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityNot disclosed
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceBest Egg personal loans
Read review Compare Check fit

Figure

Fintech lender 路 Direct lender 路 Ranked dataset

Home-equity alternatives 2-5 days Review available
APR range
Typical range$1,000 - $50,000
Min score660
Approval signal50%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityProduct availability depends on current Figure offerings.
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceFigure website
Read review Compare Check fit

Happy Money

Fintech lender 路 Direct lender 路 Ranked dataset

Debt payoff 2-5 days Review available
APR range
Typical range$1,000 - $50,000
Min score640
Approval signal57%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityNot disclosed
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceHappy Money Payoff Loans
Read review Compare Check fit

LendingClub

Fintech lender 路 Direct lender 路 Ranked dataset

Average credit 2-4 days Review available
APR range
Typical range$1,000 - $40,000
Min score600
Approval signal64%

. Online personal loans with strong debt-consolidation positioning.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityNot disclosed
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceLendingClub rates and fees
Read review Compare Check fit

LendingPoint

Fintech lender 路 Direct lender 路 Ranked dataset

Near-prime credit 24h Review available
APR range
Typical range$1,000 - $36,500
Min score585
Approval signal66%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityNot disclosed
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceLendingPoint personal loans
Read review Compare Check fit

LendingUSA

Fintech lender 路 Direct lender 路 Ranked dataset

Point-of-need financing 2-5 days Review available
APR range
Typical range$1,000 - $50,000
Min score620
Approval signal58%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityDepends on merchant program and underwriting.
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceLendingUSA website
Read review Compare Check fit

OneBlinc

Fintech lender 路 Direct lender 路 Ranked dataset

Payroll-linked access 24h Review available
APR range
Typical range$1,000 - $50,000
Min score540
Approval signal68%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityNot disclosed
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceOneBlinc website
Read review Compare Check fit

Prosper

Fintech lender 路 Marketplace lender 路 Ranked dataset

Peer-to-peer 3-5 days Review available
APR range
Typical range$2,000 - $50,000
Min score560
Approval signal62%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityNot disclosed
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceProsper personal loans
Read review Compare Check fit

Reach Financial

Fintech lender 路 Direct lender 路 Ranked dataset

Debt payoff 1-3 days Review available
APR range
Typical range$1,000 - $50,000
Min score660
Approval signal54%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilitySubject to lender availability and underwriting.
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceReach Financial website
Read review Compare Check fit

Rocket Loans

Fintech lender 路 Direct lender 路 Ranked dataset

Fast funding 24h Review available
APR range
Typical range$2,000 - $45,000
Min score640
Approval signal63%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilitySubject to state availability and underwriting.
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceRocket Loans personal loans
Read review Compare Check fit

SoFi

Fintech lender 路 Direct lender 路 Ranked dataset

Prime borrowers 3 days Review available
APR range
Typical range$5,000 - $100,000
Min score650
Approval signal68%

. National online lender with broad personal loan coverage.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityNot disclosed
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceSoFi personal loans
Read review Compare Check fit

Universal Credit

Fintech lender 路 Direct lender 路 Ranked dataset

Fair credit 1-2 days Review available
APR range
Typical range$1,000 - $50,000
Min score560
Approval signal66%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilitySubject to state and underwriting limits.
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceUniversal Credit personal loans
Read review Compare Check fit

Upgrade

Fintech lender 路 Direct lender 路 Ranked dataset

Credit building 24h Review available
APR range
Typical range$1,000 - $50,000
Min score580
Approval signal67%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityNot disclosed
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceUpgrade personal loans
Read review Compare Check fit

Upstart

Fintech lender 路 Platform lender 路 Ranked dataset

Fair credit 24h Review available
APR range
Typical range$1,000 - $75,000
Min score580
Approval signal73%

. Online application in many states.

Public lender facts

Website Not disclosed
Loan typesNot disclosed
TermsNot disclosed
RequirementsNot disclosed
AvailabilityNot disclosed
FoundedNot disclosed
HQNot disclosed
PhoneNot disclosed
SourceUpstart personal loans
Read review Compare Check fit

How to use this lender type well

Type pages become useful when they help you decide what the lender lane means, what to avoid, and what to compare next.

What this means

Online lenders should be compared against similar institutions first, then against one or two outside alternatives if you want a cleaner decision.

What to avoid

Do not assume the right lender type is the right lender. Membership, state access, fees, and borrower fit can still change the answer fast.

What to compare next

Open the lender review if available, then compare two lenders and test the payment before you move toward the form.

Online lenders FAQ

These answers explain how to compare this lender type without treating every institution as the same.

Why use a dedicated online lenders page?

A dedicated type page helps you compare similar lender structures side by side instead of jumping between banks, credit unions, online lenders, and access-first lenders without context.

Does every lender on this page have the same scoring depth?

No. Some lenders have a stronger ranked dataset and some are still directional research profiles. Review coverage, APR ranges, approval signals, and product depth can vary by lender.

What should I do after browsing this page?

Open lender reviews, compare two names directly, then use approval odds or the payment calculator before you move to the live form.