Best Personal Loans in Newport News, VA: Top Lenders & Best Picks for You

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Edited byScott Strandberg

Updated: December 28, 2023

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MoneyGeek's Picks for Best Personal Loan Lenders in Newport News, VA

MoneyGeek ranked the best personal loans in Newport News based on more than 30 data points, including APRs, loan limits, minimum requirements, repayment terms, fees and disbursement times. We also considered customer service ratings and user experiences to help you find the best lender for your unique requirements.

Our analysis found that Truist is the best lender for personal loans in Newport News for most borrowers. However, if you have good credit, SoFi loans may be the best option for you, while Upstart is the best lender for those with bad credit.

Best Overall Personal Loan Lender in Newport News: Truist

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Best Personal Loan Lender for Bad Credit in Newport News: Upstart

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Best Personal Loan Lender for Good Credit in Newport News: SoFi

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Best Personal Loan Lender for Debt Consolidation in Newport News: Upgrade

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Best Personal Loan Lender for Home Improvement in Newport News: Best Egg

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

In some cases, your loan application may get declined. Lenders may decline your application based on factors like failing to meet their minimum requirements or not providing the required information. You should not despair if your application is unsuccessful. Most factors that cause you to be declined can be improved over time, so it is possible to qualify for a loan in the future.

In case your application is unsuccessful, find out from the lender the exact reason why you were declined. This will help you understand what you need to work on to become more creditworthy. You may also find that you meet the requirements of a different lender. However, it is best to avoid reapplying until you have worked on the factors that got you declined.

MoneyGeek also advises against taking out payday loans. Although they may seem like a good alternative, payday loans typically have very high interest rates and unfavorable repayment terms.

Frequently Asked Questions About Personal Loans in Newport News

The best personal loan lender in Newport News for you will depend on your personal needs and factors like your credit score and income. We answered some of the most common questions to help you find the best lender for your profile.

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Our Personal Loan Methodology

MoneyGeek analyzed more than 30 personal loan lenders in Newport News to rank the best personal loans in the city. Our analysis considered 35+ individual data points across different categories, including loan affordability, accessibility, customer service, consumer friendliness, flexibility and lender transparency.

We consider multiple data points that we feel matter most to consumers, including APR ranges, loan limits, minimum requirements for credit score and income, application fees and funding times.

MoneyGeek values you, the consumer, so we also review lenders based on factors that improve your user experience, such as each lender’s customer support and business ratings. We also consider additional features like prequalification, payment options and mobile apps that could make your experience better.

Our recommendations are made after careful consideration with the goal of helping you make the best financial decision when choosing the right lender for your profile and needs.

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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.