Top Personal Loan Services 2019 Comparison & Rating

8.0
6.1

Bottom Line

SoFi offers fixed and variable rate personal loans between $5,000 to $100,000 with flexible repayment terms.
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Payoff provides credit card refinancing between $5,000 and $35,000 with APRs starting at 5.99%.
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Pros

  • Unemployment protection
  • No origination fees
  • Flexible eligibility
  • Relatively low APR
  • Improve credit score
  • Consolidate debt

Cons

  • Requires high credit score
  • Longer approval process
  • Credit score requirements
  • Longer loan approval period