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Personal Loans in Your State

Research and Review Lenders Near You

Select your state to begin

There are fewer barriers to borrowing these days, especially if you have solid credit, a documented income and can demonstrate overall fiscal responsibility. But one issue that cannot be overcome is if a particular lender is not able to transact in your state. Not all companies are able to loan in all 50 states.

To help guide you as you evaluate loan options and review lenders, we've pulled together the latest information on lenders by state, along with our unbiased rating system and details about credit scores and loan size. We also sought to pair this information with useful resources so you can save time and understand your rights and responsibilities as a consumer.

As always: any time you borrow, choose lenders cautiously. An unsecured personal loan can be a useful tool, but you still have to evaluate closely based on interest rate, the terms of the loan and any additional fees, alongside, of course, your ability to repay.

Lenders

Credit Score: Grade: Max. loan amount:
Grade
Loan features
APR
Max. loan amount
Good to know
A+

Funding time: As fast as same day

Origination fee: No origination fee

Loan terms: Flexible

Min. credit score: 680

3.99%-14.49% w/AutoPay
$100,000
Offers a $100 guarantee that your loan experience will be the best.
A+

Funding time: As fast as same day

Origination fee: 2%-5%

Loan terms: 24 to 60 months

Min. credit score: 660

8%-25%
$35,000
Lends only for the purposes of paying off and consolidating credit card balances.
A+

Funding time: As soon as same day

Origination fee: No origination fee

Loan terms: 36, 60 or 84 months

Min. credit score: 680

5.95%-12.99% w/autopay
$100,000
SoFi does not use a FICO score to determine loan eligibility anymore, they use their own internal score based on other factors such education, work and cash flow.
A+

Funding time: ~ 2 business days

Origination fee: No origination fee

Loan terms: 12 to 36 months

Min. credit score: Less than 560

5.25%-12.0%
$50,000
In addition to FICO score and credit history, Earnest considers savings, education, earning potential, and payment history. This enables some borrowers with thin credit files to obtain a loan. Approved borrowers can alter the monthly payment amount and payment schedule.
A+

Funding time: As soon as same day

Origination fee: No origination fee

Loan terms: 12 to 60 months

Min. credit score: 720

6.493%-23.99%
$100,000
Offers a lower rate for those who make auto payments from a Wells Fargo checking account.
A+

Funding time: 1 business day

Origination fee: No origination fee

Loan terms: 36 to 84 months

Min. credit score: 670

6.99%-24.99%
$35,000
Offers option to pay-off creditors directly for borrowers.
A

Funding time: 1 day

Origination fee: 1%-6%

Loan terms: 36 or 60 months

Min. credit score: 640

4.66%-29.99%
$50,000
Upstart evaluates more than just your FICO score and credit history. When considering you for a loan, they will also factor in the college that you attended, your area of study, and job history.
A

Funding time: 1 business day

Origination fee: No origination fee

Loan terms: 36 to 60 months

Min. credit score: 700

9.99%
$25,000
Offers both loans and lines of credit.
A

Funding time: 1 day

Origination fee: No origination fee

Loan terms: 12 to 84 months

Min. credit score: 700

8.99%-10.99%
$20,000
To be eligible for USAA products, you must be one of the following: active military, veterans, widowers or former spouses of military or members, individuals whose parents are or were members, and former members.USAA offers a .25% interest rate discount if you auto pay.
A-

Funding time: 1 business day

Origination fee: Varies

Loan terms: Varies

Min. credit score: Varies

25.01%-36.00%
$10,000
This lender can offer payment and rate options for both unsecured and secured loans. Consumer has to go physical branch to finish application.
A-

Funding time: A few days

Origination fee: No origination fee

Loan terms: 24 to 60 months

Min. credit score: 680

6.99%-16.99%
$35,000
Offers a rate discount when payments are automatically deducted from a Santander checking account.
B+

Funding time: Few days

Origination fee: 1%-6%

Loan terms: 36 or 60 months

Min. credit score: 620

5.99%-35.89%
$40,000
Winner of the Economist magazine Innovation Award in the Consumer Products category.
B+

Funding time: 1 business day

Origination fee: 0.99%-4.99%

Loan terms: 36 or 60 months

Min. credit score: 660

6.63%-34.93%
$35,000
Payments via ACH (free) or Remote Check Creation (RCC) for a $5 charge.
B+

Funding time: 1-2 business days

Origination fee: 0.99%-4.99%

Loan terms: 36 or 60 months

Min. credit score: 640

5.99%-29.99%
$35,000
Lent $1 billion in loans in first 16 months of existience.
B

Funding time: As soon as the next business day.

Origination fee: 1%-6%

Loan terms: 24 to 36 months

Min. credit score: 660

6.97%-27.10%
$25,000
In addition to evaluating FICO score and credit history, Pave considers other factors including social media data, education, job history and current status, and income potential. How borrowers plan to use the funds is also a factor that they consider.
B

Funding time: Within three days

Origination fee: 1%-5%

Loan terms: 36 or 60 months

Min. credit score: 640

6.17%-29.52%
$35,000
Offer home equity loan options for more than $35,000.
B

Funding time: Few days

Origination fee: 1%-5%

Loan terms: 36 months

Min. credit score: 600

7.12%-29.99%
$25,000
One can postpone payment for up to 10 days if they contact PeerForm and request it 3 to 4 business days in advance.
B

Funding time: As quickly as one day

Origination fee: 5%

Loan terms: 24 to 36 months

Min. credit score: 600

17.49%-36%
$20,000
Geared for consumers with fair credit, LendingPoint uses credit information that goes beyond the credit score.
B-

Funding time: A few days

Origination fee: 1%-5%

Loan terms: 36 and 60 months

Min. credit score: 640

5.99%-36%
$35,000
Prosper has helped over 2 million borrowers and has lent more than $5 billion.
B-

Funding time: 1-2 business days

Origination fee: No origination fee

Loan terms: 36 months

Min. credit score: 600

25.99%-35.99%
$5,000
Offers a 15-day grace period for payments.
C

Funding time: 2 business days

Origination fee: 1.38%-5%

Loan terms: 24 to 60 months

Min. credit score: 600

7.93%-29.9%
$35,000
For those consolidating debt, Freedom Plus will send borrowed funds directly to your creditors for you.

More Alabama Information

To learn more about regulations around lending in Alabama, contact the Alabama State Banking Department Center for Commerce at (866) 465-2279.

More Alaska Information

To learn more about regulations around lending in Alaska, contact the state Division of Banking & Securities, Department of Commerce, Community and Economic Development at (888) 925-2521.

More Arizona Information

To learn more about regulations around lending in Arizona, contact the Arizona Department of Financial Institutions at (602) 771-2800.

More Arkansas Information

To learn more about regulations around lending in Arkansas, contact the Arizona Department of Financial Institutions at (800) 544-0708.

More California Information

To learn more about regulations around lending in California, contact the California Department of Corporations, Financial Services Division at (866) 275-2677.

More Colorado Information

To learn more about regulations around lending in Colorado, contact the Administrator of the Uniform Consumer Credit Code (UCCC) in the Colorado Attorney General's office, (303) 866-4494.

More Connecticut Information

To learn more about regulations around lending in Connecticut, contact the Connecticut Department of Banking Consumer Credit Division at (800) 831-7225.

More Delaware Information

To learn more about regulations around lending in Delaware, contact the Office of the State Bank Commissioner at (302) 739-4235.

More District of Columbia Information

To learn more about regulations around lending in the District of Columbia, contact the District of Columbia’s Department of Insurance, Securities and Banking at (202) 727-8000.

More Florida Information

To learn more about regulations around lending in Florida, contact the Florida Office of Financial Regulation at (850) 487-9687.

More Georgia Information

To learn more about regulations around lending in Georgia, contact the Georgia Department of Banking and Finance at (888) 986-1633.

More Hawaii Information

To learn more about regulations around lending in Hawaii, contact the Department of Commerce and Consumer Affairs, Financial Institutions at (808) 586-2820.

More Idaho Information

To learn more about regulations around lending in Idaho, contact the Idaho Department of Finance at (208) 332-8000.

More Illinois Information

To learn more about regulations around lending in Illinois, contact the Illinois Department of Financial and Professional Regulation at (888) 473-4858.

More Indiana Information

To learn more about regulations around lending in Indiana, contact the Indiana Department of Financial Institutions at (800) 382-4880.

More Iowa Information

To learn more about regulations around lending in Iowa, contact the Iowa Division of Banking at (515) 281-4014.

More Kansas Information

To learn more about regulations around lending in Kansas, contact the Office of the State Bank Commissioner of Kansas at (877) 387-8523.

More Kentucky Information

To learn more about regulations around lending in Kentucky, contact the Public Protection Cabinet, Department of Financial Institutions at (800) 223-2579.

More Louisiana Information

To learn more about regulations around lending in Louisiana, contact the State of Louisiana Office of Financial Institutions at (225) 925-4660.

More Maine Information

To learn more about regulations around lending in Maine, contact the Bureau of Financial Institutions at (800) 965-5235.

More Maryland Information

To learn more about regulations around lending in Maryland, contact the Office of the Commissioner of Financial Regulation at (888) 784-0136.

More Massachusetts Information

To learn more about regulations around lending in Massachusetts, contact the Division of Banks Office of Consumer Affairs & Business Regulation at (617) 956-1500.

More Michigan Information

To learn more about regulations around lending in Michigan, contact the Michigan Department of Financial and Insurance Regulation at (877) 999-6442.

More Minnesota Information

To learn more about regulations around lending in Minnesota, contact the Minnesota Department of Commerce at (800) 657-3602.

More Mississippi Information

To learn more about regulations around lending in Mississippi, contact the Department of Banking and Consumer Finance at (800) 844-2499.

More Missouri Information

To learn more about regulations around lending in Missouri, contact the Consumer Credit Section of the Missouri Division of Finance at (573) 751-9192.

More Montana Information

To learn more about regulations around lending in Montana, contact the Division of Banking and Financial Institutions at (406) 841-2920.

More Nebraska Information

To learn more about regulations around lending in Nebraska, contact the Nebraska Department of Banking and Finance at (877) 471-3445.

More Nevada Information

To learn more about regulations around lending in Nevada, contact the Department of Business & Industry, Financial Institutions Division at (702) 486-4120.

More New Hampshire Information

To learn more about regulations around lending in New Hampshire, contact the Banking Department at (603) 271-3561.

More New Jersey Information

To learn more about regulations around lending in New Jersey, contact the Department of Banking and Insurance at (609) 292-7272.

More New Mexico Information

To learn more about regulations around lending in New Mexico, contact the Regulations and Licensing Department, Financial Institutions Division, (505) 476-4885.

More New York Information

To learn more about regulations around lending in New York, contact the state Department of Financial Services at (800) 342-3736.

More North Carolina Information

To learn more about regulations around lending in North Carolina, contact the North Carolina Commissioner of Banks at (919) 733-3016.

More North Dakota Information

To learn more about regulations around lending in North Dakota, contact the Department of Financial Institutions at (701) 328-9933.

More Ohio Information

To learn more about regulations around lending in Ohio, contact the Department of Commerce, Division of Financial Institutions at (614) 728-8400.

More Oklahoma Information

To learn more about regulations around lending in Oklahoma, contact the Department of Consumer Credit at (405) 521-3653.

More Oregon Information

To learn more about regulations around lending in Oregon, contact the Department of Consumer & Business Services, Division of Finance and Corporate Securities, at (503) 378-4140 or 503-378-4387. Toll-free (within Oregon only): 866-814-9710.

More Pennsylvania Information

To learn more about regulations around lending in Pennsylvania, contact Department of Banking and Securities at (800) 722-2657 in Pennsylvania. Out of state: (717) 787-1854.

More Rhode Island Information

To learn more about regulations around lending in Rhode Island, contact Department of Business regulation at (401) 462-9500.

More South Carolina Information

To learn more about regulations around lending in South Carolina, contact the State Board of Financial Institutions, Consumer Finance Division at (803) 734-2020.

More South Dakota Information

To learn more about regulations around lending in South Dakota, contact the South Dakota Department of Labor and Regulation, Division of Banking at (605) 773-3421.

More Tennessee Information

To learn more about regulations around lending in Tennessee, contact the Department of Financial Institutions at (615) 741-2236.

More Texas Information

To learn more about regulations around lending in Texas, contact the Texas Office of Consumer Credit Commissioner's consumer helpline at (800) 538-1579.

More Utah Information

To learn more about regulations around lending in Utah, contact Department of Financial Institutions at (801) 538-8830.

More Vermont Information

To learn more about regulations around lending in Vermont, contact the Department of Financial Regulation at (802) 828-3301.

More Virginia Information

To learn more about regulations around lending in Virginia, contact the State Corporation Commission, Bureau of Financial Institutions at (804) 371-9657 or toll-free: (within Virginia) 1-800-552-7945.

More Washington Information

To learn more about regulations around lending in Washington, contact Washington State Department of Financial Institutions at (360) 902-8700.

More West Virginia Information

To learn more about regulations around lending in West Virginia, contact Division of Financial Institutions at (304) 558-2294.

More Wisconsin Information

To learn more about regulations around lending in Wisconsin, contact the Department of Financial Institutions at (608) 261-9555.

More Wyoming Information

To learn more about regulations around lending in Wyoming, contact the Wyoming Division of Banking at (307) 777-7797.

Methodology

To devise the grading system in the chart, we collected the data from the lenders via online sources. We then ranked the lenders on multiple areas via a 5-point scale, using the following five data points and the weighted value indicated in the parentheses:

  • User experience (30%) -- We considered various user experience metrics, including a user's site experience, trustworthiness, ease of applying and ability to choose your own due date for loan payments. 
  • Annual Percentage Rate (20%) -- We graded lenders on the mid-point of their APR range. For instance, if a lender APR ranged from 10% to 20%, we rated the APR at 15% in order to give it a rating. 
  • Funding time (20%) -- Lenders the provided funds the same day received the highest grade. 
  • Hard or soft credit pull (15%) -- Lenders that perform hard pulls received a lower grade in this section. 
  • Origination fee (15%) -- The lower origination fee got a higher grade. 

Note: People apply for personal loans for various reasons and have different financial situations. One person may have great credit so APR will likely play a bigger role while someone with poor credit may find funding time what is most important. We tried to account for this by giving user experience more importance. Readers should take all of the areas into account so that they choose the lender that makes more sense for their situation.

Your Rights and Responsibilities as a Borrower

Consumers should be aware the federal Truth in Lending Act requires lenders to be clear on the true cost of a loan, which means disclosing in writing the finance charge and the annual percentage rate. The finance charge is defined as "the cost of consumer credit as a dollar amount," according to the regulation, and the annual percentage rate is the interest rate you are being charged shown as a single percentage number.

Interestingly, the Truth in Lending Act also requires that APRs "shall be in at least 16-point type" but does not appear as prescriptive when it comes to the penalty rate that can be applied to different events, such as paying late, a good reminder to literally read the fine print.

Feel empowered to contact lenders or regulators directly if you have questions. If either organization isn't willing to answer, that's a red flag.

Note: Regulations around lending are complex and will naturally vary from state-to-state. This is not an exhaustive list and oversight isn't always clear to the average consumer or even our research. Still, we strive to give the best possible information relating to lending in each state. For questions or updates, please contact editors@wisepiggy.com.

*At this time, Wells Fargo only accepts online applications for a Personal Loan or Line of Credit from existing Wells Fargo customers.

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