Best Personal Loans in Fresno, CA

Established in 2012 as a division of Truist, LightStream promotes paperless and eco-friendly transactions through an app-ready service. Their environmentally conscious attitude is further demonstrated by the company's policy to plant a tree for every loan it gives.

LightStream offers loans with limits ranging from $5,000 to $100,000, repayment terms from 24 to 84 months and interest rates between 2.49% and 20.49%. Its flexible loan terms make it a good option for those that meet its high minimum credit score requirement of 660. Those that qualify will save money with this lender, as LightStream personal loans feature no origination, prepayment or late fees.

Upstart was founded in 2012 in San Mateo, California with the goal of helping borrowers find the most affordable personal loan options. The lender accepts applicants with little to no credit history. Aside from your credit score, the lender will review your employment history, schooling record and other large financial expenses when assessing your eligibility for a loan.

The lender offers loans ranging from $1,000 to $50,000 with interest rates between 3.09% and 35.99%. Although the minimum interest rate is relatively reasonable, you may end up paying a higher rate if the company feels you are a high-risk borrower. Furthermore, its personal loan products feature hidden fees, like those for loan origination and late payments.

Founded in 2012, SoFi is headquartered in San Francisco. It offers consumers with excellent credit the option to borrow money for 12 to 60 months, with loan amounts ranging from $5,000 to $100,000. SoFi does not charge prepayment or origination fees. You also won't have to worry about late fees or penalties.

Furthermore, SoFi's unemployment protection could assist people who have lost their jobs without negatively impacting their credit ratings. This means that the company will temporarily pause your payments while you are unemployed and will assist you in finding new employment.

SoFi may not be a good fit for people who have poor credit scores and a poor repayment history from previous loans and large purchases. SoFi requires a high minimum credit score of 680 and minimum gross income of $50,000.

Headquartered in San Francisco, California, Upgrade delivers payments directly to creditors for debt consolidation. Debt consolidation is a way to pay off high-interest debts like car loans. However, its loans cannot be used for post-secondary education, student loans, investment, or gambling.

Its personal loan products vary, with loan amounts from $1,000 to $50,000 and interest rates between 5.94% and 35.97%. The lender offers loans to borrowers with poor credit — the minimum credit score requirement is 560 — but those with higher credit will receive a lower interest rate. Hidden fees, like origination and late fees, may increase the cost of your loan with Upgrade.

Established in 2014, Best Egg offers personal loans in Fresno, CA, as well as 46 other states. Though relatively new, Best Egg has already received an A+ rating from the Better Business Bureau (BBB) for its quality customer service.

The acclaimed lender offers personal loan products with limits ranging from $2,000 to $50,000, repayment terms of three or five years and interest rates between 5.99% and 35.99%. Those that qualify for a Best Egg personal loan can save 0.5% with the lender’s autopay discount.

However, the lender has strict borrower requirements; only those with a high minimum credit score of 700 and minimum gross income of $50,000 are eligible for its personal loans. Additionally, borrowers with this lender will pay origination and late fees.