Upwise Capital Lender Comparison

Read each row as the lender's full published range rather than your likely offer: most approved borrowers land somewhere in the middle, and the lowest APR usually goes to applicants with strong credit, low debt and autopay.

• APR range. The annual percentage rate folds interest and certain fees into one yearly cost, so it is the fairest single number for comparing one personal loan offer with another. Typical ranges across lenders, the figures most upwise capital rate searches turn up, run about 5.99% to 35.99% (estimate), and some state-licensed installment lenders charge more.
• Amounts. The overall minimum and maximum. Several lenders set higher floors in certain states, which the profiles point out. A minimum above your need forces you to borrow, and repay, more than the bill.
• Terms. How many months you can take to repay. A longer term lowers the monthly payment but raises the total interest you pay.
• Origination fee. Usually subtracted from the money you receive. A 6% fee on $2,000 leaves you about $1,880 in hand, while you still repay the full $2,000 plus interest.

As a representative example (estimate, no origination fee assumed), borrowing $2,000 over 36 months at 28.84% APR works out to about $83.64 a month, about $3,010.95 repaid in total and about $1,010.95 in interest. To test shorter terms on the same amount, use the personal loan calculator, and when you run upwise capital loan comparisons at other amounts, see how lenders set their prices on our guide to personal loan rates.

People who search upwise capital rates or read upwise capital reviews are often trying to settle one question: can a lender they have heard of write a loan as small as they need? For a $500–$5,000 personal loan, three columns usually matter more than the lowest advertised APR: the minimum amount, the shortest term and the fee in dollars. Terms such as "secured loan" or "prepaid finance charge" are explained in our loan terms glossary, which also helps when reading upwise capital reviews or any lender's disclosures.

National online lenders usually publish full APR and fee ranges, check rates with a soft credit inquiry and fund by direct deposit, but most set minimums of $1,000 or more, above the bottom of our $500–$5,000 range.

The first five lenders below start at $1,000; the last five start at $2,000 or higher, so they fit only the upper part of an upwise capital personal loan search. Readers who arrive from upwise capital reviews often start with this group because its published figures are the most complete.

Upgrade

Upgrade publishes APRs of 7.74% to 35.99% on personal loans of $1,000 to $50,000, repaid over 24 to 84 months. Its $1,000 floor sits $500 above the bottom of our range, so a $700 need would mean borrowing extra. The origination fee runs 1.85% to 9.99% and comes out of the proceeds; on a $1,500 loan, the fee alone could reach about $150. Personal loan rate checks start with a soft inquiry, and funds are typically sent within one business day after verification. Because the shortest term is two years, picking the quickest payoff you can afford limits interest on a small balance.

LendingPoint

LendingPoint makes personal loans of $1,000 to $36,500 at published APRs of 7.99% to 35.99%, with terms of 24 to 72 months. Residents of Nevada and West Virginia cannot apply, and state floors are higher in Georgia ($3,500) and Colorado ($3,001), so a $1,200 personal loan request works only in its other states. The origination fee can reach 10% depending on state law, which makes the net amount you receive worth comparing as closely as the APR. Approved funds often arrive the next business day, while files that need extra documents can take a few days longer.

Upstart

Upstart publishes APRs of 6.3% to 35.99% for personal loans of $1,000 to $75,000, but it offers only two terms: 36 or 60 months. Its underwriting weighs income and employment alongside the credit score, which can help applicants with short credit files. The $1,000 minimum rises to $1,500 in Hawaii, $3,100 in Georgia and $7,000 in Massachusetts, which puts Massachusetts borrowers outside our range entirely. Upstart does not publish a fee range; its own sample loan shows an 8.15% origination fee. Paying early is the main way to shorten a three-year term on a small personal loan.

Happen Bank (formerly LendingClub)

Happen Bank is the new name of the bank formerly known as LendingClub, so older documents may still carry the old name. It publishes APRs of 5.96% to 35.99%, amounts of $1,000 to $75,000 and terms of 24 to 84 months. Personal loan applications are accepted in all 50 states and Washington, D.C., the widest reach in this list and a useful benchmark in any upwise capital comparison. The origination fee ranges from 0% to 8%, a lower cap than the 9.99% to 10% common among online peers. The $1,000 minimum covers most of our range, though the lowest rates go to applicants with above-average credit.

Universal Credit

Universal Credit focuses on borrowers who are rebuilding credit, and an independent review lists a 560 minimum score. Published APRs run 11.69% to 35.99% on personal loans of $1,000 to $50,000, with 24- to 60-month terms. That access costs more than at prime-focused lenders: the origination fee starts at 5.25% and can reach 9.99%, so a $2,000 personal loan could lose roughly $105 to $200 to the fee before you receive the money. Loans are offered in all 50 states but not in Washington, D.C., and funding typically takes about one business day after approval.

Best Egg

Best Egg publishes APRs of 6.99% to 35.99% for personal loans of $2,000 to $50,000, repaid over 36 to 60 months, so it fits only the upper half of our range. The origination fee runs 0.99% to 9.99%, and loans of four years or longer carry at least 4.99%, which makes a 36-month term cheaper in two ways. State minimums are higher in Georgia ($3,001), Ohio ($5,001) and Massachusetts ($6,500). Best Egg does not make personal loans in Iowa, Nebraska, Vermont, West Virginia, Washington, D.C. or U.S. territories.

Prosper

Prosper is one of the few lenders here that publishes a minimum credit score, 640. Its APRs run 8.99% to 35.99% on personal loans of $2,000 to $50,000, with terms of 24 to 72 months. The $2,000 floor rules it out for smaller bills, but a $2,500 to $5,000 need paired with credit in the mid-600s or better fits its range. Prosper lists origination fees among its possible charges without posting the range on its loan page; an independent review reports 1% to 9.99%. Personal loan funding can follow as soon as one business day after requirements are met.

Reprise Financial

Reprise Financial makes personal loans of $2,500 to $35,000, rising to a $3,500 minimum in Georgia, so only the top of our $500–$5,000 range applies. APRs run about 9.5% to 36%, and loans secured by a vehicle usually price lower than unsecured ones. Reprise does not publish terms or fees on its homepage; an independent review lists three- to five-year terms, an origination fee of up to 6% and availability in 37 states. A borrower who needs $3,000 to $5,000 and owns a car could compare its secured price with unsecured personal loan offers, remembering that a secured loan puts the vehicle at risk.

Happy Money

Happy Money arranges personal loans through lending partners starting at $5,000, so it meets our range only at the very top edge. Its published APRs of 8.95% to 35.99% assume autopay, and the lowest APR rises to 11.09% for loans above $15,000. Terms run 24 to 84 months. The origination fee depends on amount, term and credit and is subtracted from the proceeds; the lender's calculator assumes 3%, though no range is published. Loans are not offered in Iowa, minimums vary in some states and no funding timeline is posted, so ask when the money would arrive.

Achieve

Achieve publishes APRs of 6.25% to 35.99% on personal loans of $5,000 to $50,000 over 24 to 60 months, which places it at the edge of our range alongside Happy Money. It posts a 560 minimum credit score for most loans, rising to 660 for consolidation loans of $35,000 or more, and offers up to three rate discounts. The origination fee is not shown on its loan page; an independent review lists 1.99% to 9.99%. There is no prepayment penalty, and funds are typically sent within 24 to 72 hours of approval.

Branch-based installment lenders are licensed state by state, often allow 12-month terms and in-person closing, and frequently leave APR, amount or fee ranges off their websites, which makes a written quote the only reliable way to see your personal loan cost.

Shoppers who compare upwise capital reviews with branch lenders' local reputations often find that branch staff will explain a contract line by line, which some borrowers value as much as a lower rate. For an upwise capital comparison that includes branch lenders, bring each written quote back to the table above and line it up against the published online personal loan ranges.

Mariner Finance

Mariner Finance publishes APRs of 15.99% to 35.99% and terms of 12 to 72 months. Branch personal loans start at $1,000 and reach $25,000, while online applications fall between $1,500 and $14,000, so a borrower who needs exactly $1,000 may have to visit one of its branches in about 29 states. Georgia residents can borrow only amounts above $3,000. The 12-month minimum term helps keep interest down on a small balance, but the 15.99% floor is high for applicants with strong credit. Mariner does not publish its origination fee, so anyone making an upwise capital comparison should ask for it in dollars.

Regional Finance

Regional Finance is licensed in 20 states, mostly across the South, Southwest and Midwest. Its published amounts run $600 to $45,000, with the top end reserved for auto-secured loans and maximums that differ by state, so its $600 floor suits a small need well. The lender does not post APRs, terms or fees online. Independent reviews list APRs of 24% to 35.99% and origination fees of up to 10% in some states, figures you should confirm in writing. Prequalification takes only minutes, and branch staff can walk you through the personal loan contract before you sign.

Republic Finance

Republic Finance makes personal loans in 16 states, including Texas, Georgia, Ohio and Virginia, with terms of 12 to 60 months. It does not publish a minimum amount, and the $25,000 maximum applies to secured loans closed in a branch. No APR range is posted, but its sample loan of $7,000 over 60 months at 30.04% APR carries a payment of $226.47 a month. Origination fees apply based on your state of residence, without published amounts. Prequalifying does not affect your credit score, so you can see a quote before deciding whether a 12-month term fits your budget.

Lendmark Financial

Lendmark Financial is licensed in 24 states and caps APRs on new personal loans at 35.99%, without publishing a minimum rate. It does not post minimum or maximum amounts; its representative example is $4,500 over 42 months at 33.10% APR. Terms run 12 to 72 months, and the lender reports that most applications in a recent five-month period were approved and funded within one business day. Origination or other fees may apply under state law. Because the smallest loan size is unpublished, confirm that Lendmark will write a loan of $500 to $1,000 before you finish a full application.

1st Franklin Financial

1st Franklin Financial runs branches in 10 Southeastern and Gulf states, from Virginia to Texas. Its rate disclosures cover personal loans of $3,500 and above, up to $15,000, with a maximum APR of 35.99% and terms of 15 to 60 months; it does not publish its smallest loan or its fees. The lender's example of $3,600 at 35.99% over 24 months shows payments of $212.55 and $5,101.20 repaid, or about $1,500 in interest. Funds can be ready within a few hours when every document arrives by noon. Anyone whose upwise capital search centers on $500 to $3,000 should ask a local office whether it makes loans under $3,500.

Tower Loan

Tower Loan makes personal loans through branches in Alabama, Florida, Illinois, Louisiana, Mississippi, Missouri, Tennessee and Texas. Amounts depend on state law and underwriting, and its typical terms of 12 to 36 months suit a $500–$5,000 balance. No APR range is posted; its one published example is $6,000 at 34.96% APR over 26 months with $333 monthly payments. Origination fees vary by state, and some state-required fees count as prepaid finance charges. Checking a rate does not affect your credit, though not every applicant can apply online, and secured loans are handled only in branches.

Oportun, Sun Loan and Omni Financial publish starting amounts below $1,000, which suits a small personal loan, but none of the three posts a full APR range, so a written quote is the only way to compare their cost with larger lenders.

World Finance and Personify Financial also start under $1,000; they appear in the high-cost section below because their published pricing can run well past 36% APR. Regional Finance, profiled above, starts at $600. Anyone running an upwise capital search for less than $1,000 should weigh those two lenders' total cost carefully, and readers who check upwise capital reviews for small-loan options should apply the same rule: price the whole loan, not the payment.

Oportun

Oportun publishes amounts of $300 to $10,000, and new customers typically receive $500 to $4,000, which lines up closely with the amounts most upwise capital searches involve. A prior credit history is not required, although credit reports are still requested, which can help people new to U.S. credit. It does not publish an APR range; its examples sit at 34.95% to 35.95%, with a 30-month example term and payments due every two weeks. The administrative fee can reach 10% of principal. Its personal loans run through partner banks in many states, and Oportun does not lend in several, including New York, Maryland and Washington.

Sun Loan

Sun Loan offers installment personal loans of $150 to $10,000, with limits set by state, through branches in Alabama, Illinois, Missouri, New Mexico, Oklahoma, Tennessee and Texas. Its $150 floor is the lowest in this comparison. Prequalifying uses a soft credit inquiry, and a hard inquiry follows only if you accept a loan. Sun Loan does not post APRs, fees or term lengths online, so the only way to learn the cost is a quote. Same-day funding is available depending on when you apply. On an upwise capital shortlist for a few hundred dollars, set its APR and total repayment beside at least one other personal loan offer.

Omni Financial

Omni Financial lends only to qualifying military borrowers: active-duty service members, career veterans with at least 20 years of service, Department of Defense employees and returning customers. Its personal loans run $500 to $10,000 over 6 to 36 months, matching our range closely. Omni does not publish an APR range or fees. The Military Lending Act caps the all-in APR at 36% for most covered borrowers, so ask for both figures in writing. Funds can arrive as soon as the next business day. Military relief societies and on-base credit unions are worth checking first in any upwise capital search by a service member.

World Finance, Personify Financial and NetCredit can charge APRs above 36%, in some cases far above it, so treat an offer from these lenders as a last resort and compare its total repayment with every lower-cost personal loan option first.

World Finance

High-cost flag. World Finance does not publish an APR range for its personal loans, and its Georgia examples run from 33.90% to 101.61%. The APR depends heavily on the number of payments: 101.61% for five payments, 40.03% for 12 and 33.90% for 16. Amounts start around $450 and reach about $10,000 through branches in 16 states, so it covers the bottom of our range. Origination fees are flat amounts of $25 to $100 or a percentage, depending on the state, and late fees run $5 to $30. Larger loans in some states require a vehicle lien, so ask for the APR on several term lengths.

Personify Financial

High-cost flag (36%+ tiers). Personify Financial has two price tiers. Loans made by Personify or its bank partner carry APRs of 36.00% to 199.99%, while offers from participating creditors range from 6.00% to 35.99%, so check which tier your offer comes from. Personal loan amounts run $500 to $15,000 in 27 states, with fixed terms of 12, 18, 24, 36 or 48 months, and Georgia has a $3,100 minimum. Certain loans add a 5% to 5.99% origination fee, though there is no application or prepayment fee. At the top tier, interest can exceed the amount borrowed.

NetCredit

High-cost flag. NetCredit publishes APRs of 34.99% to 99.99%, so even its lowest price sits near the ceiling that most other lenders here charge. Its personal loans run $1,000 to $10,000 over 6 to 60 months, depending on state, and pricing varies by state as well. NetCredit says it charges no application, prepayment, late or returned-payment fees, and approved loans can fund the same business day before its weekday cutoff. It does not publish an origination fee. Fast funding is not a reason to accept a near-100% APR without comparing total repayment.

We included lenders that make fixed-installment personal loans somewhere in the $500–$5,000 range under state licenses or bank partnerships, and we list them in a fixed order that is not a ranking, an endorsement or a statement about who participates in our network.

Inclusion here does not mean a lender is in the network that receives requests from our service, and this page carries no links to lenders. When you send one request through our form, lenders and lending partners in our network decide whether to make an offer, and the lenders set the APR, fees, terms, approval and funding time. People comparing upwise capital loan options can send one request, our service is free, and you are never obligated to accept an offer.

We left out single-payment cash products, vehicle title loans and lenders that claim tribal immunity from state law, because they work very differently from a fixed installment personal loan. Readers who look up upwise capital reviews sometimes assume every name on a comparison page is a partner; on this page, the names are simply a reference list of published figures.

• Loan size fit: whether the lender's minimum allows a loan between $500 and $5,000.
• Cost transparency: whether it publishes an APR range and fee, or only a single example.
• Reach: how many states it serves and which ones it excludes.
• Separate from ratings: nothing in upwise capital reviews affected which lenders appear here or the order they appear in.

Before accepting any offer, confirm the APR, the origination fee in dollars, the total repayment and the lender's state license, because published ranges change and your actual offer depends on your credit, income and state.

1. Look the lender up on your state financial regulator's license search to confirm it may lend where you live.
2. Ask for the origination fee in dollars and the amount you will actually receive after it is deducted.
3. Compare the total repaid on each personal loan offer, not only the monthly payment, across at least two term lengths.
4. Check for prepayment penalties so you can pay a small balance off early without extra cost.
5. Ask whether checking your rate uses a soft inquiry. Checking offers through many lenders typically starts with a soft inquiry, while accepting an offer may lead to a hard inquiry, depending on the lender.
6. Review the typical eligibility requirements for income, ID and bank account before you apply anywhere.

For an upwise capital comparison at a specific amount, write the three figures that matter most, minimum amount, shortest term and fee in dollars, next to each lender you are considering. People who read upwise capital reviews before sending a request tend to make faster, calmer choices when they already know which lenders' minimums fit their need.