Best Personal Loans in Enterprise, NV: Top Lenders & Best Picks for You

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Edited byMorgan Hull

Updated: December 28, 2023

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MoneyGeek's Picks for Best Personal Loan Lenders in Enterprise, NV

MoneyGeek compared personal loans in Enterprise based on more than 30 factors, including credit score requirements, customer service, loan amounts, interest rates, repayment terms and more.

Of the insurers evaluated, we found that LightStream offers the most competitive rates and terms for most borrowers in Enterprise. If you need a personal loan and have bad credit, we recommend Upstart, but if you have a better score, SoFi might offer more favorable terms. Upgrade is our top recommendation for debt consolidation, while Best Egg is our lender of choice for home improvement projects.

Best Overall Personal Loan Lender in Enterprise: LightStream


Best Personal Loan Lender for Bad Credit in Enterprise: Upstart


Best Personal Loan Lender for Good Credit in Enterprise: SoFi


Best Personal Loan Lender for Debt Consolidation in Enterprise: Upgrade


Best Personal Loan Lender for Home Improvement in Enterprise: Best Egg


Where to Start: How to Choose the Best Personal Loan Lender in Enterprise for You

It's crucial to think about your debt load and credit score before applying for a loan. In Nevada, where the average credit score is 728, most borrowers won’t have difficulty qualifying for a personal loan.

However, it’s important to make sure that a personal loan is the best decision for you. If you're looking for a personal loan in Enterprise, MoneyGeek has some suggestions to help you find the best loan.


Ask Yourself the Important Questions

Personal loans have many advantages, but before applying for one, you should figure out if you can pay it back without breaking your budget. At a minimum, you should ask yourself the following questions:

  • Approximately how much do I need? Borrowing just the right amount of money can help you avoid paying too much in interest or taking out a second loan. In the long run, precision pays off, so take the time upfront to accurately estimate your loan needs.
  • What is my credit score? Your credit score impacts the loan amounts and rates available to you. Knowing your credit score will allow you to narrow down your search for lenders and help you get a better idea of the loan package you’ll receive. If you have a low credit score and aren’t in urgent need of funds, consider improving it first to receive the best rates.
  • Can I afford the monthly payment? Making a higher monthly payment means you’ll pay less in interest over the life of your loan. However, it’s important to ensure that your monthly payment doesn’t prevent you from making other living expenses.
  • What is my existing debt? If you have existing debt and don’t intend to use your personal loan to consolidate it, you may want to consider alternative funding sources.

Do Your Research

Lenders vary in terms of their interest rates, loan amounts and repayment terms. To find the best rate for your financial situation and needs, you should compare multiple lenders for their loan products, customer service ratings and available discounts.

MoneyGeek’s recommendations provide an excellent starting point, but it's not a substitute for your own research. Our guide and suggestions are based on generic borrower profiles, rather than your specific needs. Only you can choose the best insurer.



After you’ve researched different lenders, you should wait a few days before submitting your application. During this time, you should see if your chosen lender offers a prequalification option. This will allow you to check the rates available to you, without impacting your credit score.

Getting a personal loan is a big decision that could affect your finances for years, so it's important to weigh all of your options carefully before selecting a lender.


Read the Fine Print

To avoid any surprise costs, it’s important to read the fine print of your loan agreement. This includes fees like those for early repayment, late payment and loan origination that can add up over the life of your loan. If you have any questions about the terms of your loan, you should contact your lender for clarification.



Once you’ve completed the previous steps, you should gather the necessary paperwork and begin the personal loan application process. Most lenders require proof of income, residence and identification.

Some lenders operate entirely online, whereas others also have physical locations. Depending on your lender, you may be able to complete the application online, over the phone or in person.

What to Do if You Can’t Get a Personal Loan in Enterprise

Your application for a personal loan in Enterprise may be denied for several reasons, including a low credit score, insufficient income or an incomplete application. If your application is rejected, you should ask the lender why it was denied; it may be possible to reduce your desired loan amount or repayment period to have it approved.

If you find that your application was rejected due to a low credit score, you may want to improve your credit score first before applying with a different lender. Each time you submit an application with a lender, it will complete a hard credit check. Because of this, your credit score may take a hit if you apply with several lenders simultaneously.

Consider exploring other options such as joint loans if you're having trouble getting a loan. A payday loan may be more accessible if you can't get a conventional loan, but MoneyGeek strongly cautions against this, as these loans feature high interest rates and short repayment periods.

Frequently Asked Questions About Personal Loans in Enterprise

The ideal personal loan provider for you will be based on your unique circumstances and financial requirements. To help you learn more about personal loans in Enterprise, MoneyGeek has provided answers to some frequently asked questions.

According to MoneyGeek, LightStream is the best option for a personal loan in Enterprise. LightStream is a great option for most borrowers due to its low interest rates and same-day funding.

Upstart offers the lowest interest rates. Keep in mind that those with high annual income and strong credit scores are more likely to qualify for the lowest rates.

In most cases, personal loans can be used to cover travel expenses, but it's always smart to check with your lender for any restrictions on the use of funds.

Yes. To finance renovations, many borrowers turn to personal loans, with MoneyGeek naming Best Egg as the best lender for home renovations.

Personal loans can be used to pay for almost anything, but some lenders have restrictions on the usage of funds. For instance, some lenders don’t allow funds to be used for financial investments or secondary education.

The answer depends on your lender. Maximum loan amounts may be as high as $100,000, while some may be as little as $50,000.

Some lenders may be able to fund your personal loan the same business day if you apply during regular business hours. It may take other lenders up to a week to process your application.

Yes. It’s possible to repay your loan early; however, certain lenders may charge fees for early prepayment.

Our Personal Loan Methodology

Our goal at MoneyGeek is to assist you in finding the most suitable personal loan provider to meet your unique needs. We researched over 30 personal loan providers, analyzing over 35 data points across six categories, including interest rates, fees, availability, consumer friendliness, customer support options and transparency from the lender.

Within each area of our best personal loan provider rankings, we examined many data variables that we believe are crucial. Factors include interest rate tiers, loan amounts, minimum credit and income requirements and funding times.

Since your satisfaction is our first priority at MoneyGeek, we also consider whether each lender offers prequalification, online application and mobile apps as well as their company ratings and customer service.

The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.