Best Personal Loans in Kansas

Overall, LightStream is the best personal loan option in Kansas. It achieved an A+ BBB rating, comes with no origination or late fees and has no employment or gross income requirements. You can immediately get the funds on the day your loan request is approved.

It takes less than a minute to use LightStream’s online loan calculator, which instantly shows your possible monthly payments and different rates based on your preferred loan terms. You’ll need a 660 credit score to be eligible for this loan.

Also, you can take advantage of a 0.5% autopay discount to save money.

Pros

• A+ BBB ratings
• 0.05% autopay discount
• No origination fee, prepayment penalty or late fees
• No employment or minimum gross income requirement
• Loans are funded immediately

• APR Range: 4.49%–20.49%
• Minimum/maximum loan amount: $5,000–$100,000
• Minimum credit requirements: 660
• Repayment terms: 24–84
• Time to receive funds: Same-day

Residents in Kansas with low credit scores may find Upstart to be a good option. It has one of the lowest minimum credit score requirements of 300, making it the perfect alternative for people looking to restore their credit.

Upstart’s maximum loan amount is only $50,000 compared to other lenders who can lend twice as much. When you apply for a loan, expect up to an 8% origination fee. If you are unable to make your monthly payments on time, Upstart also gives a 10-day grace period to settle the amount before it charges a late fee.

Pros

• A+ rating from the BBB
• Low credit score requirement
• Offers joint loans
• Conducts soft inquiry for credit checks

• APR range: 3.22%–35.99%
• Minimum/maximum loan amount: $1,000–$50,000
• Minimum credit requirements: 300
• Repayment terms: 36–60 months
• Time to receive funds: Next day

With SoFi, you can borrow as little as $5,000 and as much as $100,000. You can repay the loan within one to five years. With SoFi’s online calculator, you can easily view your rates in 60 seconds without making any hard inquiries. You don’t need to pay origination or prepayment fees with this lender.

To be eligible for a SoFi personal loan, you need to have a minimum credit score of 680. You also need to have at least $50,000 gross income. However, in case you lose your job, SoFi provides Unemployment Protection that modifies your payments until you find a replacement.

You can also take advantage of autopay discounts with this company.

Pros

• A+ rating from the BBB
• Allows you to borrow up to $100,000
• 0.25% discount for automatic repayment
• Does not charge an origination fee
• Conducts soft credit inquiries

• APR range: 5.74%–20.28%
• Minimum/maximum loan amount: $5,000–$100,000
• Minimum credit requirements: 680
• Repayment terms: 12–60 months
• Time to receive funds: Two days

Upgrade is a fintech company that was founded in 2017 and aims to offer more value than a traditional bank. MoneyGeek’s study found that it is the best option for debt consolidation.

A personal loan makes debt consolidation considerably easier. You can consolidate payments rather than make multiple high-interest payments. However, if you need a loan that is worth more than $50,000, you may need to look elsewhere since Upgrade only approves up to this amount. To get approved for an Upgrade personal loan in Kansas, you must have a minimum credit score of 560.

While missing a payment may result in a $10 late fee, Upgrade does offer a 1% autopay discount.

Pros

• Offers a 1% discount for auto repayment
• Conducts soft credit inquiries
• No prepayment fees
• Mobile app

• APR range: 5.94%–35.47%
• Minimum/maximum loan amount: $1,000–$50,000
• Minimum credit requirements: 560
• Repayment terms: 36–60 months
• Time to receive funds: Same day

If you are looking for the best personal loan lender in Kansas for home improvements, Best Egg might be the best option. It gained a reputation as a low-cost internet lender with over one million funded loans.

Best Egg lets you borrow an amount of $2,000 up to $50,000, which you can receive within one to three days upon loan application approval. The interest rate ranges from 4.99% to 35.99% depending on your creditworthiness and other factors. If you use an automatic payment process, you can get a 0.5% discount. On the other hand, it charges origination fees that can reach up to 6% as well as late fees. Best Egg requires a minimum credit score of 700 and a gross income of $50,000. Applicants must be currently employed to be eligible for a loan.

Pros

• A+ rating from the BBB
• Autopay discount of 0.5%
• Conducts a soft credit inquiry
• Quick online application

• APR range: 4.99%–35.99%
• Minimum/maximum loan amount: $2,000–$50,000
• Minimum credit requirements: 700
• Repayment terms: 36–60 months
• Time to receive funds: Next day