Personal Loans for Military Members & Veterans
Military-exclusive rate perks, plus every standard loan option service members also qualify for.
Guide & Insights
Active duty service members, veterans, and military families have access to a couple of lender-exclusive rate perks in addition to every standard personal loan on this site. The military-only options are highlighted first below.
USAA Personal Loan
Exclusive low-rate personal loans for military members, veterans, and their families.
- ✓ Military family rate perk
- ✓ Up to 7-year terms
- ✓ $0 Origination fee
- • USAA membership required
Navy Federal Personal Loan
Low-rate loans capped at 18.00% APR for armed forces, veterans, and family members.
- ✓ Legal interest rate cap of 18.00%
- ✓ $0 Fees
- ✓ Repayment up to 15 years
- • Military/family membership required
Navy Federal Auto Refinance
Auto refinance loans for active duty military, veterans, and their families with some of the lowest starting APRs of any lender tracked.
- ✓ Very low starting APR
- ✓ Co-applicants allowed
- ✓ Loan amounts up to $500,000
- • Navy Federal membership required
Veterans United VA Loan
The nation's largest VA loan lender, offering 0% down payment and no PMI for eligible veterans and active-duty service members, plus FHA and USDA options.
- ✓ 0% down payment on VA loans
- ✓ No private mortgage insurance on VA loans
- ✓ 24/7 customer service, highly rated by J.D. Power
- • VA loans require military eligibility
- • FHA/conventional options less competitive than its VA specialty
Navy Federal Mortgage
Credit union offering some of the lowest VA loan rates in the market with 0% down and no PMI, exclusively for military members, veterans, and their families.
- ✓ Among the lowest VA loan rates available
- ✓ 0% down, no PMI on VA loans
- ✓ Lower rate spread than many bank competitors per HMDA data
- • Navy Federal membership required (military/family only)
- • Does not publish minimum credit score publicly
SoFi Personal Loans
High-limit personal loans with $0 fees for creditworthy employees and business owners.
- ✓ $0 Origination fee
- ✓ Up to $100,000 limit
- ✓ Unemployment protection program
- • Requires minimum credit score of 680
LightStream Personal Loan
Ultra-low fixed rates for home improvement and major purchases powered by Truist Bank.
- ✓ Rate Beat Program (0.10% lower than competitors)
- ✓ Flexible terms up to 12 years
- ✓ $0 Fees
- • Requires good to excellent credit history
Discover Personal Loans
Consolidation loan where Discover directly pays off your existing credit card creditors.
- ✓ Direct creditor payoff service
- ✓ 30-day money-back guarantee
- ✓ Household income accepted
- • Maximum loan limit capped at $40,000
Upgrade Personal Loans
High acceptance rates for borrowers with fair credit, freelancers, and self-employed individuals.
- ✓ Accepts credit scores down to 580
- ✓ Easy verification for freelancers
- ✓ Fast 1-day funding
- • Origination fee applies (1.85%-9.99%)
Upstart AI Personal Loan
AI model evaluates education, job history, and household income beyond credit score alone.
- ✓ No minimum credit score requirement
- ✓ Great approval rates for students/homemakers
- ✓ Fast funding
- • Origination fees vary by credit tier
Marcus Personal Loans
Goldman Sachs fixed-rate personal loans with no origination, late, or prepayment fees.
- ✓ $0 Late fees & $0 origination fees
- ✓ On-time payment reward option
- ✓ Low starting APR
- • Maximum loan limit capped at $40,000
LendingClub Personal Loan
Boost approval chances for homemakers or freelancers by applying with a co-applicant or spouse.
- ✓ Supports joint applicants (including spouses)
- ✓ Streamlined debt consolidation
- ✓ Accepts 600+ score
- • Origination fee applies
Best Egg Personal Loans
Fast online application with rate-reduction options through secured homeowner loans.
- ✓ Rapid online approval process
- ✓ Excellent for self-employed applicants
- ✓ Soft check available
- • Origination fee required
Avant Personal Loan
Accessible personal loan option for freelancers and borrowers with fair credit histories.
- ✓ Accepts 580+ credit score
- ✓ Next-day funding available
- ✓ Easy mobile management
- • Administrative fee applies
Prosper Peer-to-Peer Loan
Pioneer peer-to-peer lending platform connecting borrowers directly with investors.
- ✓ Joint application allowed
- ✓ Fixed interest rates
- ✓ Flexible 2-5 year terms
- • Origination fee charged
Rocket Loans Personal Loan
Automated online underwriting engine supporting same-day direct deposit.
- ✓ Same-day funding capability
- ✓ 100% digital process
- ✓ Self-employed friendly
- • Origination fee charged
FreedomPlus Personal Loan
Receive rate discounts by adding a qualified co-applicant or using direct creditor payoff.
- ✓ Extra discounts with co-signer
- ✓ Up to $50,000 limit
- ✓ Self-employed eligible
- • Origination fee applies
Universal Credit Personal Loan
Designed specifically for freelancers, homemakers, and borrowers with low credit scores.
- ✓ Approves 560+ credit score
- ✓ Free credit monitoring tools
- ✓ Relaxed income proof
- • Higher APR range
Achieve Personal Loan
Specialized debt consolidation loan offering rate discounts for direct creditor payments.
- ✓ Direct payoff rate discount
- ✓ Fixed monthly terms
- ✓ Self-employed accepted
- • Origination fee charged
LendingPoint Personal Loan
Customized financing options tailored for near-prime borrowers and independent contractors.
- ✓ Next-day funding
- ✓ Accepts 600+ score
- ✓ Simple documentation
- • Origination fee varies
Happy Money Payoff Loan
Tailored personal loans designed specifically to eliminate high-interest credit card debt.
- ✓ $0 Late fees
- ✓ Specialized for credit card payoff
- ✓ Household income accepted
- • Strict DTI ratio review
Figure Personal Line of Credit
Revolving personal line of credit allowing you to draw and repay funds whenever needed.
- ✓ Flexible draw limits
- ✓ Competitive APR
- ✓ Self-employed eligible
- • Hard credit pull on draw
OneMain Financial Personal Loan
Accessible secured/unsecured loans using household income or vehicle collateral.
- ✓ No minimum credit score
- ✓ High approval for homemakers
- ✓ In-person branch support
- • High minimum APR (18.00%)
Oportun Personal Loan
Credit-building personal loan designed for immigrants, homemakers, and limited credit profiles.
- ✓ No credit history required
- ✓ Helps build US credit score
- ✓ Fast disbursement
- • Small max loan limit ($10,000)
Stilt Visa & Immigrant Loan
Designed specifically for H-1B, OPT, L-1 visa holders, and residents without an SSN.
- ✓ Apply without an SSN
- ✓ Visa holders preferred
- ✓ No cosigner required
- • Max limit capped at $35,000
Wells Fargo Personal Loan
High-limit personal loans featuring relationship rate discounts for existing Wells Fargo customers.
- ✓ Up to $100,000 limit
- ✓ $0 Origination fee
- ✓ Relationship rate discounts
- • Best for existing account holders
Citi Personal Loan
Fee-free fixed-rate personal loans tailored for Citibank account holders.
- ✓ $0 Origination fee
- ✓ Direct debt payoff service
- ✓ Fixed monthly payment
- • Citibank customers only
American Express Personal Loan
Low competitive APR personal loans offered exclusively to pre-approved American Express cardmembers.
- ✓ Low starting APR of 6.90%
- ✓ $0 Fees
- ✓ Quick 1-click application
- • Exclusive to Amex cardholders
PNC Bank Personal Loan
PNC personal loans featuring autopay interest rate discounts and flexible terms.
- ✓ Autopay discount available
- ✓ $0 Prepayment penalty
- ✓ Self-employed accepted
- • Requires 660+ credit score
U.S. Bank Personal Loan
Predictable monthly payments and flexible repayment terms from U.S. Bank.
- ✓ $0 Origination fee
- ✓ Terms up to 7 years
- ✓ Self-employed accepted
- • Lower limits for non-customers
Chase Customer Personal Loan
Instant-deposit fixed-rate personal loans for existing Chase deposit customers.
- ✓ Instant deposit available
- ✓ $0 Origination fee
- ✓ Chase app integration
- • Targeted to existing Chase clients
Bank of America Personal Loan
Fee-free personal loans with interest rate discounts for BofA Preferred Rewards members.
- ✓ Preferred rewards rate discount
- ✓ $0 Origination fee
- ✓ Business owner friendly
- • BofA account required
Capital One Personal Loan
Transparent fixed rates and digital online application with zero hidden fees.
- ✓ $0 Hidden fees
- ✓ Fast mobile application
- ✓ Self-employed eligible
- • Capped at $40,000 max limit
TD Bank Personal Loan
Unsecured personal loans with fast decisions tailored for East Coast residents.
- ✓ $0 Origination fee
- ✓ Quick approval decision
- ✓ Predictable monthly payment
- • Primarily serves East Coast footprints
Truist Personal Loan
Personal loans from Truist featuring autopay rate discounts and full online support.
- ✓ Autopay rate discount
- ✓ $0 Origination fee
- ✓ Branch & online support
- • Requires 660+ credit score
Citizens Bank Personal Loan
Fee-free personal loans from Citizens Bank with long term options up to 7 years.
- ✓ $0 Origination fee
- ✓ Long repayment terms available
- ✓ Autopay discount
- • 680+ credit score recommended
KeyBank Personal Loan
Unsecured personal loans tailored for Midwest and Northwest residents.
- ✓ Flexible term options
- ✓ $0 Origination fee
- ✓ Self-employed eligible
- • Best within KeyBank footprint
Fifth Third Personal Loan
Fixed-rate personal loans with $0 annual fees and fast online application.
- ✓ $0 Annual or origination fees
- ✓ Fast online review
- ✓ Easy income verification
- • Requires 660+ credit score
M&T Bank Personal Loan
Debt consolidation and personal financing for East Coast and Mid-Atlantic residents.
- ✓ $0 Origination fee
- ✓ Customizable monthly schedule
- ✓ Self-employed accepted
- • Regional availability
Huntington Bank Personal Loan
Transparent personal financing with clear repayment terms and no hidden fees.
- ✓ Transparent fixed rates
- ✓ $0 Origination fee
- ✓ Business owner friendly
- • Midwest footprint focus
Regions Bank Personal Loan
Personal loans serving South and Midwest residents with relationship discounts.
- ✓ Account holder rate discount
- ✓ $0 Origination fee
- ✓ Self-employed eligible
- • Regional branch footprint
BMO Personal Loan
Fixed-rate loan allowing penalty-free early principal payoffs at any time.
- ✓ $0 Prepayment penalty
- ✓ Fixed monthly payments
- ✓ Freelancers accepted
- • Capped at $35,000 max limit
Ally Bank Personal Loan
End-to-end digital personal loans processed seamlessly via mobile app.
- ✓ 100% Mobile application
- ✓ $0 Origination fee
- ✓ Self-employed documentation supported
- • Requires 670+ credit score
Flagstar Bank Personal Loan
Custom repayment schedules and fast pre-qualification options.
- ✓ Flexible term options
- ✓ $0 Fees
- ✓ Freelancers accepted
- • Regional branch network
Santander Bank Personal Loan
Unsecured fixed-rate personal loans with $0 origination fees for Northeast residents.
- ✓ No collateral required
- ✓ $0 Origination fee
- ✓ Autopay rate discount
- • Exclusive to Northeast state residents
Synchrony Personal Loan
Pre-qualified personal loan options from one of America's largest retail financial firms.
- ✓ Soft check pre-qualification
- ✓ Simple income proof
- ✓ Self-employed eligible
- • Capped at $40,000 max limit
Barclays US Personal Loan
Low-rate unsecured personal loans for invited Barclays cardholders and customers.
- ✓ Low interest rates
- ✓ $0 Fees
- ✓ Fixed monthly payments
- • Invitation-only access
PenFed Personal Loan
Low-rate credit union personal loans open to all US residents regardless of military status.
- ✓ APR capped under 18.00%
- ✓ $0 Origination fee
- ✓ Homemaker/self-employed accepted
- • Credit union membership required
Alliant CU Personal Loan
100% digital credit union application adhering to the federal 18.00% APR cap.
- ✓ Interest rate cap of 18.00%
- ✓ End-to-end online process
- ✓ $0 Origination fee
- • Membership signup required
First Tech CU Personal Loan
Discounted rate personal loans for tech sector employees and nationwide members.
- ✓ Low starting interest rate
- ✓ $0 Origination fee
- ✓ Freelancers accepted
- • Credit union membership required
Bethpage FCU Personal Loan
Low-rate personal loans with no origination fees, open to members nationwide.
- ✓ APR capped under 18.00%
- ✓ $0 Origination fee
- ✓ Longer repayment options
- • Membership application required
SchoolsFirst CU Personal Loan
Low interest rates tailored for teachers, school employees, and their families.
- ✓ Special educator rate perk
- ✓ $0 Fees
- ✓ Homemakers/family eligible
- • Education sector eligibility
Golden 1 CU Personal Loan
Discounted credit union loans for California residents, self-employed, and freelancers.
- ✓ High approval rate for CA residents
- ✓ $0 Origination fee
- ✓ Household income accepted
- • CA residency/membership needed
America First CU Loan
Competitive unsecured loans from a leading Western credit union.
- ✓ Low APR cap
- ✓ $0 Origination fee
- ✓ Easy self-employed proof
- • Membership required
Mountain America CU Loan
Fast online processing and competitive rates for Western region members.
- ✓ $0 Origination fee
- ✓ Quick underwriting
- ✓ Homemakers/freelancers accepted
- • Membership application required
BECU Personal Loan
Non-profit credit union offering low rates and $0 fees for Washington state & nationwide members.
- ✓ Non-profit competitive rates
- ✓ $0 Fees
- ✓ Self-employed friendly
- • Membership criteria apply
MPower International Student Loan
No US credit score or US cosigner required for F-1, OPT, and H-1B visa holders.
- ✓ No US cosigner or credit score needed
- ✓ Supports visa holders
- ✓ Career support included
- • 5% Origination fee
Earnest Student Refinance
Customized student loan refinancing and education funding with flexible schedules.
- ✓ Skip one payment per year perk
- ✓ Custom payment terms
- ✓ $0 Fees
- • Student/graduate status proof required
Sallie Mae Student Loan
Comprehensive student loans covering up to 100% of school-certified college expenses.
- ✓ Covers up to 100% of college costs
- ✓ Cosigner release option after 12 payments
- ✓ $0 Origination fee
- • Cosigner recommended for best rates
Panacea Doctor & Medical Loan
Specialized financing built by doctors for medical students, residents, and physicians.
- ✓ High limit approval for residents
- ✓ $0 Origination fee
- ✓ No cosigner required
- • Medical credential verification needed
Laurel Road Medical & Personal Loan
High-limit low-rate financing options tailored for nurses, doctors, and healthcare professionals.
- ✓ Rate discounts for healthcare pros
- ✓ $0 Origination fee
- ✓ High borrowing limits
- • Healthcare profession proof required
Splash Financial Student Loan
Student loan marketplace comparing multiple partner lenders to find the lowest rate.
- ✓ Compare top lender rates at once
- ✓ $0 Fees
- ✓ Soft credit check
- • Underwriting criteria vary by lender
College Ave Student Loans
Student-focused lender offering flexible repayment plans (e.g., interest-only while in school).
- ✓ In-school payment options
- ✓ Fast online application
- ✓ $0 Fees
- • May require cosigner
Ascent Non-Cosigned Student Loan
Outcomes-based student loans evaluated on GPA for juniors, seniors, and international students without cosigners.
- ✓ Non-cosigned options available
- ✓ GPA evaluation option
- ✓ 1% Cash back upon graduation
- • Requires upperclassman status
OppLoans Fast Personal Loan
Emergency micro-loans for borrowers with poor credit or urgent financial needs.
- ✓ No minimum credit score
- ✓ Same-day to next-day deposit
- ✓ Reports to credit bureaus to build credit
- • High APR range
NetCredit Personal Loan
Online personal loans designed for low credit scores, freelancers, and homemakers unable to qualify at banks.
- ✓ Approves 500+ credit scores
- ✓ Credit builder features
- ✓ Fast funding
- • Higher interest rates
DCU Federal Credit Union Personal Loan
Large nationwide credit union offering low rates capped below the 18.00% federal limit.
- ✓ Low rate cap under 18.00%
- ✓ $0 Fees
- ✓ Self-employed proof accepted
- • Credit union membership required
First Citizens Bank Personal Loan
Mid-sized bank personal loan offering stable fixed rates and tailored repayment schedules.
- ✓ $0 Fees
- ✓ Autopay rate discount
- ✓ Freelancers accepted
- • Branch network footprint focus
East West Bank Personal Line
Specialized bank accommodating immigrants and visa holders (H-1B, L-1) with cross-border income.
- ✓ Visa/immigrant underwriting friendly
- ✓ $0 Fees
- ✓ Multilingual support available
- • Branch visit may be required
Bread Financial Personal Loan
Unsecured personal loans disbursed rapidly through mobile and digital online processing.
- ✓ Fast digital application
- ✓ Streamlined income proof
- ✓ Next-day deposit
- • Origination fee may apply
First Horizon Personal Loan
Fixed-rate personal loans serving residents across the Southeastern United States.
- ✓ $0 Prepayment penalty
- ✓ $0 Origination fee
- ✓ Self-employed eligible
- • Primarily serves SE region
BHG Financial Professional Loan
High-limit loans up to $200,000 designed for doctors, attorneys, and business owners.
- ✓ High limit up to $200,000
- ✓ Terms up to 10 years
- ✓ Minimal impact on personal credit
- • Higher minimum income required
Synovus Personal Loan
Fee-free fixed-rate personal loans serving Georgia, Florida, and Alabama residents.
- ✓ $0 Origination fee
- ✓ Predictable fixed monthly payment
- ✓ Business owners accepted
- • Regional state restriction
VyStar Credit Union Personal Loan
Competitive credit union loan adhering to the 18.00% rate cap for Florida members.
- ✓ Rate cap under 18.00%
- ✓ $0 Fees
- ✓ Household income accepted
- • Membership signup required
Comerica Bank Personal Loan
Unsecured fixed loans serving Texas, Michigan, and California residents.
- ✓ No collateral required
- ✓ $0 Fees
- ✓ Self-employed eligible
- • 670+ credit score recommended
Possible Finance Small Loan
Micro-loan installment platform allowing you to borrow up to $500 and repay over 8 weeks.
- ✓ No credit check required
- ✓ Helps build credit score
- ✓ Instant mobile funding
- • Capped at $500 max limit
Zions Bank Personal Loan
Major Western regional bank offering fixed personal loans in Utah, Arizona, and Nevada.
- ✓ $0 Origination fee
- ✓ Self-employed accepted
- ✓ Fixed monthly payment
- • Western state footprint focus
Suncoast Credit Union Personal Loan
Low-rate credit union personal loans featuring $0 fee policies for members.
- ✓ Starting APR as low as 7.49%
- ✓ $0 Fees
- ✓ Household income accepted
- • Membership qualification required
Old National Bank Personal Loan
Stable $0-fee fixed-rate personal loans serving Midwestern residents.
- ✓ $0 Origination fee
- ✓ Predictable monthly payments
- ✓ Freelancers accepted
- • Midwest state footprint
Webster Bank Personal Loan
Personal loans with soft-check pre-qualification for Northeast US residents.
- ✓ Soft check pre-qualification
- ✓ $0 Origination fee
- ✓ Self-employed friendly
- • Northeast regional focus
Star One Credit Union Loan
Low-rate credit union loans serving tech workers and nationwide members.
- ✓ Ultra-low rate cap (17.50%)
- ✓ $0 Fees
- ✓ Tech/freelancers accepted
- • Membership qualification needed
Popular Bank Personal Loan
Unsecured personal loans with multilingual customer support in metro areas like NY and FL.
- ✓ $0 Fees
- ✓ Multilingual support
- ✓ Self-employed eligible
- • Branch network footprint
SDCCU Personal Loan
Fast approval low-rate credit union personal loans for Southern California residents.
- ✓ Low rate cap
- ✓ $0 Origination fee
- ✓ Household income accepted
- • SoCal residency/membership
PSECU Personal Loan
Discounted rate personal loans for Pennsylvania state employees, residents, and families.
- ✓ Low APR cap
- ✓ $0 Fees
- ✓ Joint applications supported
- • Membership qualification required
Deserve Financial Personal Loan
Specialized financing for students and H-1B visa workers with limited US credit history.
- ✓ Evaluated without credit score
- ✓ Visa worker friendly
- ✓ Online document upload
- • Capped at $25,000 max limit
SeedFi Borrow & Grow Loan
Hybrid loan providing immediate cash while placing a portion in savings to build credit.
- ✓ Approves low credit (520+)
- ✓ Builds credit history
- ✓ Easy income verification
- • Partial funds placed in locked savings
Sallie Mae Graduate & Professional Loan
High-limit loan tailored for graduate, law, medical, and PhD students.
- ✓ Covers up to 100% of tuition & living expenses
- ✓ In-school deferment
- ✓ $0 Fees
- • Graduate enrollment proof needed
Self Credit Builder Account
A credit-builder loan that locks your payments into a savings account, releasing the funds once paid off while reporting your on-time history to all 3 bureaus.
- ✓ No hard credit check to apply
- ✓ Accepts ITIN in place of an SSN
- ✓ Reports to Equifax, Experian & TransUnion
- • Funds are not available until the loan term ends
Ava Credit Builder Account
A 0% interest credit-builder account designed for newcomers, with most members seeing a tradeline appear on their credit report within a week.
- ✓ 0% interest, no hidden fees on the loan itself
- ✓ Reports to file within about a week
- ✓ No prior credit history required
- • Only a $1/mo origination fee in some states, but limited loan size
Firstcard Secured Credit Card
A secured credit card built for immigrants starting from scratch — no SSN or credit check required, with a deposit-based credit line.
- ✓ No SSN or credit check for approval
- ✓ Reports to all 3 major bureaus
- ✓ Simple online application
- • Credit line limited to your refundable deposit
Discover it Secured Credit Card
A secured card that still earns cashback rewards, with automatic monthly account reviews starting at 7 months to graduate to an unsecured card.
- ✓ Earns cashback rewards unlike most secured cards
- ✓ Automatic review for deposit refund starting at month 7
- ✓ No annual fee
- • Requires a Social Security Number to apply
Citi Secured Mastercard
A secured card with one of the lowest minimum deposits on the market, and the option to receive a credit limit higher than your deposit.
- ✓ Deposit as low as $49 for a $200 limit
- ✓ Accepts an ITIN as well as an SSN
- ✓ Choose your own payment due date
- • No welcome bonus or ongoing rewards program
LightStream Auto Refinance
Direct auto refinance lender known for transparent, competitive rates and no origination fees for borrowers with good to excellent credit.
- ✓ No origination, document, or late fees
- ✓ 0.50% autopay rate discount
- ✓ Funds go directly to you
- • Requires 660+ credit score
Caribou Auto Refinance
Auto refinance marketplace with soft-check pre-qualification and a wider credit score range than most direct lenders.
- ✓ Accepts credit scores from 580
- ✓ Soft check for pre-qualification
- ✓ Potential rate discount for bundling insurance
- • Wide APR range depending on credit
Gravity Lending Auto Refinance
Auto refinance marketplace that matches borrowers with partner lenders, allowing joint applications with a co-applicant.
- ✓ One of the lower starting APR ranges available
- ✓ Co-applicants allowed
- ✓ Loans up to $200,000
- • Rate depends heavily on matched lender
MyAutoLoan Marketplace
Online marketplace that matches you with up to four pre-approved auto loan offers at once, covering new, used, and refinance loans.
- ✓ Compares up to 4 lender offers at once
- ✓ Covers new, used, and lease buyouts
- ✓ Only a hard inquiry with the lender you choose
- • $18,000 minimum annual income required
Fundbox Business Line of Credit
Revolving business line of credit with one of the lowest barriers to entry, accepting businesses open for just 3 months with modest revenue.
- ✓ Only 3 months in business required
- ✓ No origination or prepayment fees
- ✓ Funding within 2 business days
- • Charges a draw fee each time you use funds
Bluevine Business Line of Credit
Revolving line of credit with approvals often in minutes and same-day funding for established businesses with steady monthly revenue.
- ✓ Approvals often within minutes
- ✓ No prepayment penalties
- ✓ Only pay interest on funds drawn
- • Requires 12+ months in business and $10,000+ monthly revenue
OnDeck Term Loan & Line of Credit
Short-term working capital lender offering both term loans and lines of credit, with funding available in as little as 24 hours.
- ✓ Funding as fast as 24 hours
- ✓ May waive remaining interest on early payoff
- ✓ Loans up to $400,000
- • APRs run significantly higher than bank or SBA loans
Lendio Business Loan Marketplace
Marketplace that matches one application against more than 75 lenders, including traditional banks, SBA lenders, and online alternative lenders.
- ✓ One application reaches 75+ lenders
- ✓ Includes low-rate bank and SBA options
- ✓ Businesses as young as 6 months may qualify
- • Rate and terms depend entirely on which lender matches you
Fora Financial Small Business Loan
Working capital lender for businesses that may not qualify elsewhere, with only a soft credit check required until after preapproval.
- ✓ Accepts credit scores as low as 570
- ✓ Soft pull first, hard check only after preapproval
- ✓ No personal guarantee required
- • Shorter repayment terms than bank loans
Sunbit Medical & Dental Financing
Point-of-care financing for medical, dental, and vision procedures with a soft credit check and high approval rate even for limited credit history.
- ✓ No hard credit check to apply
- ✓ True 0% APR available for well-qualified patients, no deferred interest trap
- ✓ Approves roughly 85-90% of applicants
- • APR up to 35.99% on smaller loan amounts
CareCredit Healthcare Credit Card
The most widely recognized healthcare credit card, accepted at a large network of providers, with promotional no-interest periods on qualifying purchases.
- ✓ Accepted at a very large network of providers
- ✓ Promotional 0% APR periods available
- ✓ Revolving credit line for future needs
- • Deferred interest risk: if not paid in full by the promo deadline, interest accrues retroactively on the full original amount
Cherry Patient Financing
Patient financing platform offering genuine 0% APR options without the deferred-interest structure used by some healthcare credit cards.
- ✓ Genuine 0% APR option, not a promotional trap
- ✓ ~90% reported approval rate
- ✓ Soft credit check to apply
- • Less brand recognition than CareCredit, some providers may not offer it
LendingClub Patient Solutions
Fixed-rate installment loans for larger medical and dental procedures, with the widest loan amount range of major patient financing options.
- ✓ Loan amounts up to $65,000, highest of major options
- ✓ Fixed monthly payments, no deferred interest
- ✓ Soft credit check for pre-qualification
- • Requires stronger credit than Sunbit or Cherry for approval
Upstart Personal Loan
Uses income, education, and job history instead of relying only on credit score, making it one of the few options with no stated minimum score requirement.
- ✓ No minimum credit score required
- ✓ Fast, often same-day funding
- ✓ Considers education and employment history
- • APR can run high for borrowers with weak credit
- • Origination fee charged on most loans
OneMain Financial Personal Loan
Does not publish a minimum credit score and will consider income, expenses, and collateral (such as a vehicle) instead, with in-branch service in most states.
- ✓ No stated minimum credit score
- ✓ Secured option can improve approval odds and rate
- ✓ Local branch network for in-person support
- • Rates run high, especially unsecured
- • Smaller max loan amount than other options
Avant Personal Loan
Approves borrowers with credit scores as low as 550 and can fund as soon as the next business day for applications approved before the daily cutoff.
- ✓ Accepts scores as low as 550
- ✓ Funding as soon as next business day
- ✓ No prepayment penalty
- • Charges an administrative fee on most loans
- • Lower max loan amount than prime lenders
LendingPoint Personal Loan
Underwriting looks at income and employment history alongside credit score, with approval decisions typically delivered within seconds of applying.
- ✓ Approval decision often in seconds
- ✓ Considers employment history, not just score
- ✓ No prepayment penalty
- • Requires minimum annual income of $35,000
- • Origination fee on most loans
Rocket Mortgage
The largest mortgage lender in the US by volume, with a fully digital application and FHA loans available to borrowers with scores as low as 580.
- ✓ 1% down payment option on select conventional loans
- ✓ FHA loans down to a 580 credit score
- ✓ Down payment and closing cost assistance available
- • Origination fees typically $1,500-$3,000
- • No physical branches or HELOCs
Truist Mortgage
NerdWallet's top overall mortgage lender for 2026, also rated best for refinancing, HELOCs, and second-home loans, with low-down-payment options available.
- ✓ Rated #1 overall by NerdWallet for 2026
- ✓ Strong refinance and HELOC options
- ✓ Low-down-payment mortgages available
- • Not available in all states
- • Does not disclose all fees online upfront
PenFed Mortgage
Credit union with competitive VA and conventional rates and a 60-day rate lock option; membership is required but open to anyone who joins.
- ✓ Fully-underwritten preapproval with 60-day rate lock
- ✓ Competitive VA loan rates
- ✓ Lender-paid closing credit with eligible agents
- • Credit union membership required (open to all)
- • Jumbo loans require a 700+ credit score
Bank of America Mortgage
One of the largest US mortgage lenders, offering grant programs covering down payment and closing costs for qualifying buyers in eligible areas.
- ✓ America's Home Grant: up to $7,500 toward closing costs
- ✓ Down payment grant of up to $10,000 in eligible areas
- ✓ Preferred Rewards members may get a fee discount
- • Grant programs limited to specific areas/income levels
- • 3,700+ branch overhead can mean less competitive base rates
Chase Mortgage
Major national bank that guarantees closing within three weeks on qualifying purchase loans or pays the borrower $5,000, in select areas.
- ✓ Closing guarantee: $5,000 if Chase misses the deadline
- ✓ Above-average J.D. Power satisfaction score (2025)
- ✓ Wide branch network for in-person support
- • Closing guarantee only available in select areas
- • Rates/fees roughly in line with other big banks, not the lowest
PNC Bank Mortgage
Offers FHA loan closing cost grants of $5,000-$15,000 depending on location, alongside conventional, VA, and USDA loan programs nationwide.
- ✓ FHA closing cost grants of $5,000-$15,000 by location
- ✓ 0% down available on VA and USDA loans
- ✓ FHA mortgage calculator personalized by credit and location
- • Grant amount varies significantly by location
- • USDA loans require a higher 640 credit score
New American Funding Mortgage
FHA-focused lender with flexible credit requirements, making it a common fit for first-time buyers or those with a shorter credit history.
- ✓ Flexible/no stated minimum credit score on some FHA programs
- ✓ 0% down payment on select FHA options
- ✓ Focus on first-time and underserved buyers
- • Average FHA rates and fees less competitive than top-rated lenders
- • Not top-rated for conventional or jumbo loans
Better Mortgage
Fully online mortgage lender with no origination fees, application fees, or underwriting fees, and FHA loans down to a 580 credit score.
- ✓ No lender fees (no origination, application, or underwriting fees)
- ✓ FHA loans accepted down to 580 credit score
- ✓ Fast, fully digital pre-approval
- • Online-only, no in-person branch support
- • Customer service hours more limited than big banks