MoneyGeek evaluated more than 30 key data points that we think hold the most weight when choosing a lender. Our analysis factored in the minimum requirements for applying, the loan’s terms and conditions as well as penalties and fees.
We recommend LightStream as the best lender overall, but we also know that the ideal option can vary depending on your financial situation and needs. For this reason, we recommend our top picks for borrowers with good credit, bad credit and those who plan to use a personal loan for debt consolidation or a home renovation project.