Compare 26 Lenders: A Lendgo Loans Guide

Each lender was reviewed on the same data points: APR range, loan amounts, terms, origination fee, funding speed, state availability, prequalification and direct payment to creditors, using the lender's own published disclosures first and major independent reviewers second.

A few conventions apply throughout:

• Figures can change. Lenders update rates, fees and state lists without notice, so confirm every number in the loan agreement before you sign.
• "Not published" means the lender does not list that figure in its public materials. It does not mean the cost is zero or that the feature is missing.
• "(reported)" means the figure comes from major reviewers rather than from the lender itself.
• High-cost marks any entry where APRs can exceed 36%, the line many consumer advocates and the Military Lending Act use as a reference point.
• Conflicts. Where sources disagree, we say figures vary by source and show the lender's own number when one exists.

Readers who look up lendgo usually want this kind of side-by-side view. Branch-based lenders tend to publish the least online, so their rows contain the most gaps. That is useful information in itself: a lender that will not show its APR range until you apply makes comparison harder, and readers weighing lendgo loans against those options should ask for the full disclosure before agreeing to anything.

Upstart fits borrowers with limited credit history but solid education or work records, since its model weighs those factors alongside credit, though fees can be steep and loans start at $1,000.

• APR: about 6.3%–35.99%, based on recent offers the lender shows (reviewers cite a slightly lower floor)
• Amounts: $1,000–$75,000; higher state minimums apply in Georgia, Hawaii and Massachusetts
• Terms: 36 or 60 months on the lender's own pages; reviewers list longer terms as rare
• Fees: origination fee 0%–12%, taken from loan proceeds (reported)
• Funding: often within about a day of approval and signing
• Availability: all 50 states and D.C. (reported)
• Prequalification: yes, with a soft credit check

Upstart publishes no minimum credit score, which helps applicants whose files are thin rather than damaged. The trade-off is a fee that can reach 12%, among the highest of mainstream online lenders, plus no joint applications, co-signers or rate discounts.

Best for: applicants with short credit histories and steady jobs who want to see a rate before a hard pull, much like people checking lendgo rates before applying.

Avant serves fair-credit borrowers who want an online personal loan of at least $2,000 with fast funding and weekend customer service, but its up-front administration fee raises the true cost.

• APR: about 9.95%–35.99%
• Amounts: $2,000–$35,000
• Terms: 24–60 months
• Fees: administration fee up to 9.99%, deducted from proceeds
• Funding: usually the next business day when approved before the weekday afternoon cutoff
• Availability: 44 states and D.C. (reported); the reported exclusions include Hawaii, Iowa, Maine, Massachusetts, Washington and West Virginia
• Prequalification: yes, soft check
• Minimum credit score: about 550 (reported)

Loans are issued through a partner bank, and Avant reports payments to all three major credit bureaus and offers hardship options. There are no joint, co-signed or secured loans, so the application rests on your own profile.

Best for: a personal loan for fair or thin credit with a need for funds within about a business day.

LendingPoint suits borrowers with fair credit and moderate income who want smaller amounts from $1,000, longer terms of up to six years and the option to have the lender pay creditors directly.

• APR: about 7.99%–35.99%
• Amounts: $1,000–$36,500; state minimums run higher in Georgia, Colorado and Hawaii
• Terms: 24–72 months
• Fees: origination fee 0%–10%, depending on state
• Funding: as soon as the next business day
• Availability: figures vary by source; the lender excludes Nevada and West Virginia, while reviewers count about 42 states
• Prequalification: yes, soft check
• Direct pay to creditors: yes, typically within a few days
• Minimum income: $35,000 a year; minimum score about 640 (reported)

The personal loan income floor is higher than many peers, which screens out some applicants early. Like several online lenders, LendingPoint does not offer co-signed, joint or secured loans.

Best for: steady earners consolidating a few card balances who prefer the lender to send payoffs directly.

Upgrade offers one of the widest menus among online lenders, including joint and secured personal loans and rate discounts, which helps fair-credit borrowers who can add a co-applicant or a vehicle as collateral.

• APR: about 7.74%–35.99%
• Amounts: $1,000–$50,000 (figures vary by source; the lender's own help pages list $50,000)
• Terms: 24–84 months
• Fees: origination fee 1.85%–9.99%, deducted from proceeds
• Funding: about one business day after verification; payoffs sent straight to creditors can take up to two weeks
• Availability: all 50 states but not D.C. (reported); some offers vary by state
• Prequalification: yes, soft check
• Direct pay to creditors: yes, with a rate discount
• Minimum credit score: about 600 (reported)

Discounts for autopay and direct creditor payment can trim the APR meaningfully. Every loan carries an origination fee, and borrowers cannot pick their first payment date.

Best for: personal loans for couples or co-applicants, or anyone willing to secure a loan with a vehicle to improve the offer.

Best Egg works for borrowers with fair-to-good credit seeking $2,000 or more, especially homeowners who could use a secured option backed by permanent home fixtures to reach a lower rate.

• APR: about 6.99%–35.99% unsecured; the fixture-secured loan has its own lower range (reported)
• Amounts: $2,000–$50,000; higher minimums in a few states
• Terms: 36–60 months
• Fees: origination fee 0.99%–9.99%, at least 4.99% on terms of four years or longer
• Funding: as little as one day; deposits commonly arrive in one to three business days after verification
• Availability: not offered in Iowa, Nebraska, Vermont, West Virginia, D.C. or U.S. territories
• Prequalification: yes, soft check
• Direct pay to creditors: yes
• Minimum credit score: about 600 (reported)

Its personal loans are made by partner banks and carry no prepayment penalty. Watch the fee floor on longer terms, and note there is no co-borrower or co-signer option.

Best for: homeowners with fair credit who want a fixed payment and may benefit from a fixture-secured loan.

Happy Money is built for paying off credit card balances, so it fits borrowers with fair-to-good credit consolidating $5,000 or more rather than people seeking a small personal loan for an emergency.

• APR: about 8.95%–35.99%, with an autopay discount built into the low end; the floor rises for amounts above $15,000
• Amounts: $5,000–$50,000
• Terms: figures vary by source; the lender lists 24–84 months, while reviewers list up to 60
• Fees: origination fee 2%–12% (reported), deducted from proceeds
• Funding: not published by the lender
• Availability: not offered in Iowa per the lender; reviewers also exclude Nevada
• Prequalification: yes, soft check
• Direct pay to creditors: yes (reported)
• Minimum credit score: about 620 (reported)

The narrow focus is a strength for card payoff and a limitation for everything else. With a fee that can reach 12% and no co-borrower or collateral option, compare the total cost carefully against a lower-fee lender.

Best for: card debt of $5,000 or more that you want to roll into one fixed payment.

Prosper suits borrowers who want a joint application on a mid-size unsecured personal loan with terms up to six years, provided they can absorb an origination fee and have fair credit or better.

• APR: about 8.99%–35.99%
• Amounts: $2,000–$50,000
• Terms: 24–72 months
• Fees: origination fee 1%–9.99% (reported), deducted from proceeds
• Funding: as soon as one business day after requirements are met
• Availability: 47 states and D.C. (reported); the reported exclusions are Iowa, North Dakota and West Virginia
• Prequalification: yes, soft check
• Direct pay to creditors: not published
• Minimum credit score: about 560 (reported), though most approved borrowers appear to have higher scores

Prosper runs a marketplace model and accepts co-applicants, which can help a borrower with a thinner profile. Loans are unsecured only, and reviewers note no rate discount for sending funds to creditors.

Best for: two applicants who want to combine incomes on a fixed-rate personal loan.

Universal Credit, a brand run by Upgrade for fair and lower credit, fits single applicants who can accept a higher minimum fee in exchange for flexible hardship options and direct payment to creditors.

• APR: about 11.69%–35.99%
• Amounts: $1,000–$50,000 (reported)
• Terms: 36–60 months
• Fees: origination fee 5.25%–9.99%, deducted from proceeds
• Funding: usually the day after approval
• Availability: all 50 states but not D.C. (reported)
• Prequalification: yes, soft check
• Direct pay to creditors: yes, with a rate discount
• Minimum credit score: about 560 (reported)

Borrowers can change their payment date after funding and may qualify for deferrals or reduced payments during hardship. The 5.25% minimum fee means even the best offer loses a noticeable slice of the loan up front.

Best for: fair-credit borrowers using a personal loan to consolidate debt who value hardship flexibility.

Achieve Personal Loans fits borrowers consolidating $5,000 or more who can stack rate discounts, such as direct creditor payment or adding a co-borrower, to bring down an APR that starts near 6%.

• APR: about 6.25%–35.99%
• Amounts: $5,000–$50,000
• Terms: 24–60 months
• Fees: origination fee 1.99%–9.99%
• Funding: funds typically sent within one to three days
• Availability: not offered in about ten states, including Colorado, Connecticut, Hawaii, Iowa, Washington and Wisconsin (reported)
• Prequalification: yes, soft check
• Direct pay to creditors: yes, with a discount
• Minimum credit score: figures vary by source; the lender lists 560, and the floor rises for very large consolidation loans

Up to three discounts are available, and support runs seven days a week. There are no personal loans under $5,000, so smaller needs should look elsewhere.

Best for: larger debt consolidation with a co-borrower or direct payoff.

Reach Financial concentrates on debt consolidation for borrowers with good credit, paying listed creditors directly and offering a rate discount for doing so, with loans starting at $3,500.

• APR: figures vary by source; several major reviewers agree on about 5.99%–35.99%, while others report narrower ranges (reported)
• Amounts: $3,500–$40,000 (reported)
• Terms: 24–60 months (reported)
• Fees: origination fee on most loans, up to about 8%; reviewers disagree on the exact band (reported)
• Funding: the next day; payments to creditors within about a day of approval (reported)
• Availability: not offered in about eight states, including Colorado, Connecticut, Nevada, Tennessee and West Virginia (reported)
• Prequalification: yes, soft check
• Direct pay to creditors: yes
• Minimum credit score: about 660 (reported)

Each Reach personal loan comes with free credit score monitoring in its customer portal. Its own published terms could not be confirmed, so every figure here comes from reviewers, and there is no mobile app or co-borrower option.

Best for: good-credit borrowers who want the lender to handle payoffs to several card issuers.

Oportun serves people with little or no credit history who need smaller amounts, starting near $300, and it can consider applicants that mainstream online lenders turn away, though starting APRs run higher.

• APR: range not published; the lender's example APR is 35.95%, and vehicle-secured loans are capped at 36%
• Amounts: $300–$10,000; first-time borrowers commonly receive about $500–$4,000
• Terms: 12–60 months (reported)
• Fees: administrative fee up to 10% of principal
• Funding: about one to four business days (reported); secured loans as fast as one day
• Availability: about 41 states
• Prequalification: yes, soft check

Oportun accepts applicants with no prior credit history and allows co-signers in some cases. Vehicle-secured loans are offered in a handful of states. Expect APRs well above the floor that prime online lenders advertise, plus a fee of up to 10%.

Best for: first-time borrowers building credit who need a few thousand dollars, a common profile among people searching for lendgo loans.

OneMain Financial combines online applications with a large branch network, which suits borrowers with thin or poor credit who want face-to-face service, a joint application or a vehicle-secured personal loan.

• APR: about 11.99%–35.99%
• Amounts: $1,500–$30,000, with state limits
• Terms: 24–60 months
• Fees: origination fee of $25–$500 flat or 1%–10% of the loan, depending on state
• Funding: as soon as about an hour after signing to an eligible debit card; bank transfers take one to two banking days
• Availability: 44 states (reported); the reported exclusions include Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont and D.C.
• Prequalification: yes, soft check
• Direct pay to creditors: yes (reported)

OneMain sets no minimum credit score and accepts collateral or a co-borrower to strengthen an application. A group of state attorneys general has sued the company over sales of optional add-on products, which OneMain disputes, so decline any add-on you do not want and read the disclosure line by line.

Best for: borrowers who want branch support and may offer a vehicle as collateral.

Mariner Finance fits borrowers who want the option of a branch, a co-signer or a vehicle-secured loan, but its starting APR is high for anyone with strong credit.

• APR: about 15.99%–35.99%
• Amounts: $1,000–$25,000; online loans run about $1,500–$14,000, with larger amounts in branches
• Terms: 12–72 months
• Fees: origination fee may apply and varies by state
• Funding: not published
• Availability: about 28–29 states; figures vary by source
• Prequalification: yes, soft check

A 15-day satisfaction policy waives finance charges if you repay the loan within that window. Mariner also mails pre-filled personal loan checks to consumers; cashing one creates a real loan with real interest, so treat it like any other offer and compare the APR first.

Best for: fair-credit borrowers near a branch who want in-person help.

Regional Finance is a branch-based installment lender for fair and poor credit, and its smaller loans can carry APRs well above 36%, so the full disclosure deserves a close read before signing.

• APR: not published; the parent company's most recent annual report shows small loans averaging about 44% APR and larger loans about 31%, and one reviewer disclosure shows up to about 99.9% on small loans (high-cost)
• Amounts: $600–$45,000, with maximums varying by state
• Terms: 12–60 months (minimum reported)
• Fees: origination fee may apply, up to 10% depending on state (reported)
• Funding: quickly after approval; same-day checks are possible when signing in a branch (reported)
• Availability: licensed in about 20 states, mostly in the South and Southwest, with roughly 350 branches
• Prequalification: yes, soft check

Collateral may be required, and most of its personal loans are serviced through branches. Regional considers fair and poor credit, which widens access, but the cost gap between its small and large loans is wide.

Best for: borrowers near a branch who have been declined elsewhere and have compared the APR against every alternative.

Lendmark Financial Services suits borrowers who prefer a branch and can secure a larger loan with collateral, since unsecured loans stop at $8,000 and fees vary by state.

• APR: up to 35.99%; minimum not published
• Amounts: $2,000 minimum in a few states and $3,000 elsewhere; unsecured loans up to $8,000; overall maximum not published
• Terms: 12–72 months
• Fees: origination or other fees may apply under state law; amounts not published
• Funding: same-day loans may be available; the lender reports most recent applications were funded within a business day
• Availability: 24 states with 550-plus branches
• Prequalification: yes, without affecting your score per the lender

A secured personal loan may qualify for better pricing, there is no prepayment penalty, and some borrowers can close online. Because fees are not posted, ask for the APR and total repaid in writing.

Best for: borrowers with a vehicle to pledge who want a larger amount than unsecured limits allow.

Republic Finance offers branch-based installment loans without a listed minimum credit score, which fits borrowers who want in-person help, but it publishes little about rates or minimum amounts.

• APR: up to 35.99% (reported); the lender shows only an example APR; minimum not published
• Amounts: up to $25,000 for secured loans in branch; minimum not published
• Terms: 12–60 months
• Fees: origination fees apply and vary by state
• Funding: same day for branch loans paid by check; about one to two business days for online loans (reported)
• Availability: originates loans in 16 states with 280-plus branches; a partner bank may originate elsewhere
• Prequalification: yes, soft check

Republic charges no prepayment penalty on its personal loans, and larger amounts come through secured in-branch loans. Some loan types require a branch visit, so online-only shoppers may find the process slower.

Best for: borrowers in its states who want to sit down with a loan officer.

World Finance, operated by World Acceptance, makes small fixed-payment installment loans through about a thousand branches, and many of those loans cost far more than 36% APR, so it suits only borrowers who have exhausted cheaper options.

• APR: not published as a range; the lender's own state example runs from about 34% to 101.61%, and its most recent annual report shows an average portfolio APR above 50% (high-cost)
• Amounts: about $450–$10,000 typically; larger vehicle-backed loans in some states
• Terms: 3–60 months
• Fees: flat $25–$100 or a percentage by state; late fees of about $5–$30 and returned-payment fees of about $10–$50
• Funding: same day in many cases, with decisions often within about an hour
• Availability: 16 states
• Prequalification: not published

Payments on each personal loan are fixed, which helps budgeting, and the company also offers tax-preparation advances. Short terms on small balances can make each payment high even when the dollar amount borrowed is modest.

Best for: a last-resort small loan after credit union and lower-APR options have been checked.

Tower Loan is a regional installment lender with branch and online options, including vehicle-secured loans, but it does not post rates, amounts or fees, which makes advance comparison difficult.

• APR: not published; the lender's sample loan shows an APR near 35%, and a reviewer was told rates could exceed 36%
• Amounts: not published; set by state and underwriting
• Terms: 12–36 months
• Fees: origination fees apply and vary by state
• Funding: not published
• Availability: figures vary by source; the lender's menu lists eight states across the South and Midwest
• Prequalification: yes, per the lender's statement that checking rates won't affect your score

Collateral may unlock larger amounts or lower rates, but secured loans are handled in branch only. Some applicants can finish the whole process online.

Best for: personal loan borrowers near an office who will request the full rate disclosure before committing.

Heights Finance runs branch-based installment lending across 13 states and advertises a wide amount range, but it publishes no APRs, terms or fees, so shoppers must apply to learn the cost.

• APR: not published
• Amounts: about $500–$50,000 or more, with state minimums of about $400–$1,000
• Terms: not published
• Fees: origination fee not published; a $2.95 charge applies to debit-card payments made by phone or online
• Funding: as soon as the same day
• Availability: 13 states with 350-plus branches; the Georgia entity operates under a different name
• Prequalification: yes, soft check

New and refinanced loans come with no payment due for at least 30 days, and secured loans are available. The lender's site also displays a data-breach notice, worth reading if you are a current or former customer.

Best for: borrowers who value a local branch and will compare its written disclosure against published-rate lenders, the same habit that helps anyone reading about lendgo.

Security Finance makes small branch-based loans of roughly $500 to $2,600 with fixed whole-dollar payments, but reported APRs can exceed 100%, making it one of the most expensive options on this list.

• APR: not published; reported up to about 124.48% (high-cost)
• Amounts: about $494–$2,600
• Terms: 8–24 months
• Fees: state-based charges; in one state these include a 10% acquisition charge, a monthly handling charge and a closing fee
• Funding: same day, often before you leave the branch (reported)
• Availability: about 12 states through the company and its affiliates (reported)
• Prequalification: not published

There are no balloon payments or prepayment penalties, and the company has operated for decades. It no longer lends to active-duty military members or their dependents. Layered monthly charges make the cost high relative to the size of the personal loan.

Best for: very small, urgent needs only after cheaper credit union or hardship options are ruled out.

OppLoans offers online installment loans of $500 to $5,000 to borrowers with poor credit, charging no fees but APRs from about 99% to 195%, so the interest alone can exceed the amount borrowed.

• APR: about 99%–195% (high-cost)
• Amounts: $500–$5,000; figures vary by source, and the lender's footnote gives this range
• Terms: 9–24 months
• Fees: no origination, late or prepayment fees
• Funding: same day if approved before midday Central time on a business day; otherwise the next day
• Availability: not offered in about ten states and D.C. (reported)
• Prequalification: yes, though applying triggers a hard inquiry with an alternative credit bureau
• Minimum income: $18,000 a year; no minimum credit score

Loans are made through a bank partner, payments are reported to all three major bureaus, and hardship options exist. Even so, the APR places this personal loan firmly in high-cost territory, and anyone weighing lendgo loans should compare it against at least one lower-cost offer.

Best for: borrowers with no lower-cost option who need a defined repayment schedule.

NetCredit lends $1,000 to $10,000 online to borrowers with weaker credit, charging no lender fees but APRs from about 34.99% to 99.99% depending on state and credit profile.

• APR: about 34.99%–99.99% (high-cost); one reviewer lists a slightly lower floor
• Amounts: $1,000–$10,000, lower in some states
• Terms: 6–60 months
• Fees: no origination, application, prepayment, returned-payment or late fees from the lender
• Funding: same day if approved before the Central-time cutoff on a business day; otherwise the next business day
• Availability: about 37 states (reported)
• Prequalification: yes, soft check

NetCredit reports personal loan payments to credit bureaus and also offers a line of credit of up to $4,500. The lender itself describes its products as an expensive form of credit, which is an accurate warning at these APRs.

Best for: borrowers rebuilding credit who have compared offers and still need a larger amount.

Rise Credit makes online installment loans of $500 to $5,000 at some of the highest APRs on this page, and it is worth considering only after every lower-cost personal loan option has been ruled out.

• APR: about 59.80%–299% (reported, high-cost); the lender publishes rates only by state
• Amounts: $500–$5,000
• Terms: 7–36 months
• Fees: up to 5% in a few states, none in others (reported)
• Funding: typically the next business day if approved before the evening Eastern-time cutoff
• Availability: about 30–31 states; figures vary by source
• Prequalification: yes, soft check
• Minimum income: about $12,000 a year after tax

A five-business-day right to cancel lets you return the money with no fees or interest, and there is no prepayment penalty. Refinance offers after on-time payments add new charges and can stretch the debt out, so weigh them carefully.

Best for: emergencies where no cheaper source is available and fast repayment is realistic.

Reprise Financial fits near-prime borrowers with scores in the 540s and up who want an online personal loan of $2,500 or more, with options to add a co-signer or secure the loan with a vehicle.

• APR: about 9.5%–36% per the lender; reviewers report a slightly narrower range
• Amounts: $2,500–$35,000 per the lender; reviewers cite a lower maximum
• Terms: 36–60 months (reported)
• Fees: origination fee up to 6% (reported)
• Funding: the next business day after approval; secured loans can take up to about a week
• Availability: about 37 states (reported); higher minimum in Georgia
• Prequalification: yes, soft check
• Direct pay to creditors: yes
• Minimum credit score: about 540–550; figures vary by source

The low score floor, co-signer option and secured loans are unusual together at this APR ceiling, which sits right at 36%. Reprise reports payments only to one credit bureau, which limits credit-building value, and it is unavailable in many states.

Best for: fair-credit borrowers who can add a co-signer or collateral to a personal loan.

Patelco Credit Union suits fair-to-good credit borrowers willing to join a credit union in exchange for low APRs, no origination fee and a program that lowers the rate after on-time payments.

• APR: about 6.99%–17.90%
• Amounts: $300–$100,000; longer terms require larger minimum amounts
• Terms: 6–84 months
• Fees: no origination fee; late fee of $5 or 3% of the payment after a 10-day grace period
• Funding: about two to three days (reported)
• Availability: membership required to fund; eligibility extends to all 50 states and D.C. through an affiliated association
• Prequalification: yes, before joining
• Minimum credit score: about 630 (reported)

On a Patelco personal loan, each 12 on-time payments can cut the APR by half a point, up to 1.5 points in total. Co-borrowers, co-signers and secured loans are accepted. Applicants below fair credit may not qualify. For readers browsing lendgo loans with good credit, a credit union personal loan is often the benchmark to beat.

Best for: borrowers with fair or better credit who want the lowest cost and can wait a couple of days.

PenFed Credit Union is open to anyone who joins with a small savings deposit and offers low APRs with no origination fee, which suits good-to-excellent credit borrowers comfortable with terms of five years or less.

• APR: about 6.09%–17.99% with an autopay discount (reported); figures vary slightly by source
• Amounts: $600–$50,000
• Terms: 12–60 months
• Fees: no origination or prepayment fee
• Funding: as soon as the next day
• Availability: membership required and open to anyone with a $5 savings deposit; you can join while applying
• Prequalification: yes, soft check
• Direct pay to creditors: figures vary by source

Joint loans are allowed when the co-borrower is also a member, and the lowest advertised APR includes a 0.25% autopay discount. The best rates go to excellent credit, so fair-credit borrowers may see offers near the top of the range.

Best for: good-credit borrowers who want a no-fee personal loan and do not mind joining a credit union; it is a useful yardstick for lendgo personal loans offers.

The best choice among lendgo loans options is usually the offer with the lowest APR and total repaid that you can comfortably afford each month, from a lender licensed in your state that you can reach easily if a problem comes up.

Use this checklist when personal loan offers start arriving, whether they come from lendgo loans searches or a lender you found yourself:

1. Compare APR, not just the payment. A longer term can make a costly loan look cheap each month. Line up APR and total repaid side by side; our personal loan calculator shows how term changes the total.
2. Find the fee. An origination fee of 8% on a $3,000 loan removes about $240 before you receive anything, so request enough to cover what you need or choose a no-fee lender.
3. Pick the shortest workable term. Shorter terms cost less interest overall, but only if the payment fits your budget without strain.
4. Check credit union membership. Patelco and PenFed both require membership, yet joining is simple and their APR caps sit far below the online lenders.
5. Decide between branch and online. Branch lenders offer in-person help and sometimes same-day checks, while online lenders usually post more of their terms in advance.
6. Use direct pay for consolidation. Several lenders will send funds straight to your card issuers, and some lower the APR when you choose that route.
7. Prequalify before a hard inquiry. Whether you found us by searching lendgo or another phrase, nearly every lender here offers a soft-check rate preview; compare several before formally applying.
8. Read the disclosure. Confirm APR, amount financed, finance charge, total of payments and any optional add-ons before signing.

Our walkthrough on how to compare personal loan offers covers each disclosure line in more detail, and the eligibility guide explains what lenders typically review. Shoppers who read about lendgo personal loans often ask whether a connector changes the math; it does not, since every offer still has to be judged on the same APR, fee and term.

If you would rather share one request with lenders in our network instead of applying lender by lender, our short request form takes a few minutes, carries no fee and creates no obligation to accept an offer. Readers who search for lendgo can use the request the same way: lenders in our network review it, decide, and set their own terms, which may or may not include companies on this page. People checking lendgo rates should still use the comparison above as a benchmark for whatever they receive.