Best Personal Loan Lender in Greenville, SC: Truist

MoneyGeek determined the lenders that offer the best personal loans in Greenville after considering more than 30 factors, including loan amount, repayment terms, interest rates, fees, credit score and income requirements and more.

We found that overall, Truist is the best personal loan lender in Greenville. For individuals with good and bad credit scores, SoFi and Upstart are the best options, respectively. If you’re looking to consolidate debt, MoneyGeek recommends Upgrade. Meanwhile, Best Egg offers the best personal loans for a home renovation.

Best Overall Personal Loan Lender in Greenville, SC: 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


Best Personal Loan Lender for Bad Credit in Greenville, SC: 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


Best Personal Loan Lender for Good Credit in Greenville, SC: 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


Best Personal Loan Lender for Debt Consolidation: 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


Best Personal Loan Lender for Home Improvement: 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

    Best Egg

How to Choose the Best Personal Loan Lender in Greenville For You

Before getting a personal loan, it's important to consider your financial needs and liabilities to see if you can make monthly payments on time. Because a personal loan is a long-term commitment, you should also analyze your current income level and the lender's requirements. MoneyGeek presents the steps you can follow to find the best personal loans in Greenville.


Ask Yourself the Important Questions

You should start by asking yourself important questions regarding your financial needs and current status. Consider if you have any existing debts, as those may hinder you from making timely monthly payments for your personal loan. You can also explore other options besides a personal loan. Opt for a personal loan only if you are sure it will positively affect your financial situation. Ask the following questions before deciding:

  1. How much funding do I need?
  2. What is my credit score?
  3. Can I afford the monthly payment?
  4. How much debt do I already have?

Do Your Research

After determining that getting a personal loan is your only option, you should research different lenders and analyze their personal loan products. A good way to find lower interest rates is to shop around and compare different lenders. Finalize the lenders that offer online pre-qualification, as it can help you get an estimate of your monthly payments. You should also look into companies that only do a soft credit inquiry, as this won’t affect your credit scores. MoneyGeek has provided you with the resources needed to research different lenders. However, it’s in your interest to also explore other options.



You should not apply right away. It’s best to wait a few days and really think about whether or not you can meet your financial needs without a personal loan. You can also use this time to look over the lenders you have finalized. Research their reviews to see if their personal loans will truly suit your needs. You need to carefully think through your decision to get a personal loan before proceeding.


Read the Fine Print

Once you have finalized a lender, read the fine print of their loan agreement so you can have a good idea of their interest rates and other fees. Consider if they charge a penalty on the early or late payment of the loan. Analyzing the fine print can help you save a lot of money in the long run.



After carefully analyzing all the details, you can now apply. At this point, the lender may ask you for identification, address verification, and income details. While applying online would be the most convenient for you, you can also call or visit the lender to apply in person.

What to Do if You Can’t Get a Personal Loan in Greenville, SC

You shouldn’t worry too much if the lender rejects your personal loan application. Lenders reject loan applications for various reasons, including low income, debt-to-income ratio, missing information or an incomplete application.

The best way to proceed is to call or email the lender and ask why your loan application was denied. A lender is required by the law to present to you the reason behind a denied loan. Once you know why you were denied, you can now improve your standing or work with the lender to make the loan terms acceptable. One solution could be to readjust the loan amount or repayment terms. Do not apply with another company if you haven’t fixed the original reason for being denied.

At this point, some individuals start thinking of getting a payday loan. However, MoneyGeek advises against this option. A payday loan usually has higher interest rates and shorter repayment terms. If you fail to pay the loan on time, you can accumulate vast amounts of debt.

Frequently Asked Questions About Personal Loans in Greenville, SC

MoneyGeek answered the following frequently asked questions about the best personal loans in Greenville to help you find the option that fits your needs.

Our Personal Loan Methodology

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

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

Here at MoneyGeek, we value you, the consumer, so we also factor in each lender’s customer support, business ratings and additional features that could make your experience easier and more accessible, like prequalification, payment options and mobile apps.

After careful consideration and calculation, our picks are determined with your best interest in mind. Our personal loan recommendations and expert tips are meant to help you make the best decision when choosing a lender that meets your 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.