MoneyGeek's Picks for Best Personal Loan Lenders in Greensboro, NC

MoneyGeek analyzed over 30 data points to select the best personal loan lenders in Greensboro, North Carolina. We evaluated factors such as disbursement times, repayment terms, late fees, APR ranges, required credit scores, loan amounts and Better Business Bureau ratings.

The best personal loan lender in Greensboro overall is Truist. However, the most suitable lender depends on your financial needs and background. For example, Best Egg is ideal for borrowers looking to renovate their homes. Meanwhile, Upgrade is an excellent choice for debt consolidation.

Best Overall Personal Loan Lender in Greensboro: Truist

  • Truist

    • 8.14% to 18.99%APR Range
    • NoneMinimum Credit Score
    • $3,500 to $50,000Loan Amount Range
    • 6 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    on Truist Website

Best Personal Loan Lender for Bad Credit in Greensboro: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    on Upstart Website

Best Personal Loan Lender for Good Credit in Greensboro: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds

    on SoFi Website

Best Personal Loan Lender for Debt Consolidation in Greensboro: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds

    on Upgrade Website

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

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    on Best Egg Website

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

If you're looking to fund significantly huge costs like debt consolidation, vacations or weddings, a personal loan may be what you need. Before you apply for a personal loan in Greensboro, you must be financially ready. The average borrower in North Carolina has a $14,383 personal loan debt, with an interest rate of 8.72%.

MoneyGeek outlined steps that can help you throughout your decision-making process.


Ask Yourself the Important Questions

MoneyGeek urges potential borrowers to assess the purpose of taking out a personal loan and compute the exact amount they need. This can inform which lender best suits your specific needs.

  • How much funding do I need? Get an estimate of how much you need to borrow. You want to avoid borrowing too much or too little.
  • What is my credit score? Many lenders require a minimum credit score to determine a borrower's eligibility.
  • Can I afford the monthly payment? Evaluate your monthly budget to stay on top of your monthly costs.
  • How much debt do I already have? It would help if you didn't increase your debt-to-income ratio, as some lenders use this to assess your ability to repay.

Do Your Research

Shopping around and comparing rates from different personal loan lenders in Greensboro will help determine which rates and terms work for you. Remember, applying for a personal loan is a huge commitment, especially since it takes approximately two to four years for borrowers to repay their personal loans.

To help you find a suitable lender, MoneyGeek gathered important information about the requirements, pros and cons and terms of each lender. We listed APR ranges, repayment terms, BBB ratings, credit score requirements and more. However, if you're on the fence and want to explore other personal lenders in Greensboro, you're free to do so.



We encourage applicants to wait a day or two before choosing a personal loan lender. Even if you have narrowed down your options, giving yourself a few days can help you make an objective and financially sound decision. Again, personal loans are a huge and long-term commitment. If there is another way for you to meet your financial needs, a personal loan might not be the best idea. You must be confident with your decision to apply for a personal loan in Greensboro.


Read the Fine Print

All personal loans have fine print in their terms. However, borrowers commonly miss tiny yet vital information. Thus, MoneyGeek stresses the importance of reading the fine print. This can help you pinpoint key details like late, origination and prepayment penalty fees that can add to your monthly payments.

Sometimes you can find unfamiliar terms in the fine print that make it challenging to understand. Don't worry. You can reach out to a financial expert or talk to a representative from your preferred lender. Understanding the ins and outs of your loan terms will provide a clearer picture of what you need to anticipate.



If you meet the eligibility requirements and are confident in your decision, you can submit your loan application. We advise borrowers to compile pertinent documents to have a smooth application process. Most lenders typically request your identification, address verification and proof of income. There may be instances where your lender may ask for other documents to supplement your application.

Applying for a personal loan in Greensboro can be quick and easy. You can apply online, through the phone or visit the lender's office. If available, you're free to choose the most convenient and comfortable method.

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

If a lender rejects your loan application, it's not the end of your journey. Although discouraging, don't let it hinder you from applying with a different lender. Insufficient income, low credit score and employment history are a few reasons a lender may deny you a loan.

MoneyGeek encourages applicants to ask the lender why their application was rejected. Sometimes, you can negotiate terms, such as decreasing your loan amount or shortening the loan term.

If that doesn't work, you can try applying with another personal loan lender in Greensboro. Only do this once you've addressed the reason that made your first application fail to go through.

Sometimes, borrowers take out payday loans if left with no other option. Nonetheless, MoneyGeek strongly discourages getting payday loans due to the significantly higher interest rates and short repayment terms. In the long run, you may find that you lost more money.

Frequently Asked Questions About Personal Loans in Greensboro

If you need a headstart on personal loans in Greensboro, MoneyGeek answers commonly asked questions. Overall, the best personal loan lender for you caters to your specific needs and financial situation.

Our Personal Loan Methodology


We analyzed more than 30 personal loan lenders using 35+ individual data points across six key categories: consumer friendliness, loan affordability, accessibility, customer service, flexibility and lender transparency.

Within each ranking criteria category, MoneyGeek considered several individual data points that we believe are significant when choosing a personal loan lender. These factors include minimum credit score, available loan amount, minimum income amount, APR ranges, application fees and disbursement time.

Here at MoneyGeek, we value you, the consumer. We factor in each lender's customer support, business ratings and extra features that can better your experience — like prequalification, payment options and mobile apps.

After careful consideration and calculation, we make our picks with your best interest in mind. MoneyGeek's personal loan recommendations and expert tips should help you make the best decision when choosing a lender that meets your specific needs.


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.