Lender Hub · Personal

Personal loans, used wisely.

128lenders

A personal loan is a fixed-rate installment loan you can use for almost anything. Because the rate and best use depend on the type, it pays to match the loan to the job.

Debt consolidation loans

Best for rolling multiple high-interest debts (often credit cards) into one fixed monthly payment at a lower rate. Some lenders pay your creditors directly. Use this to save on interest and simplify payments, not to free up cards you will run up again.

Home improvement loans

An unsecured way to fund renovations without tapping home equity. Good when you want speed and no lien on your home, though rates are usually higher than a HELOC or cash-out refinance for large projects.

Major expenses and emergencies

Medical bills, moving costs, or a one-time large purchase can be smoothed into predictable payments. Reserve these for genuine needs; for true emergencies, compare against lower-cost options first.

Secured vs. unsecured (and what to avoid)

Most personal loans are unsecured (no collateral). Secured options, like share-secured loans, can help thin or rebuilding credit. Many lenders prohibit using funds for education, business, or investments. Watch origination fees, which can reach 1-8% and come out of your proceeds.

Lenders

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Estimates for: Unknown credit

Lender			Soft pull	Bureau(s)
Abound Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.aboundcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 fee via USA Cares Association or ECTC Military Education Association
Achieva Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.achievacu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 minimum donation to the Achieva Foundation
AchieveFintech	Unknown	—	Yes	Unknown
Loan terms APR typeFixed Amount$5,000 - $50,000 Term24-60 mo Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown Funding1-3 business days Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerYes Joint appYes Prequal shows real ratesUnknown Personal loan specifics Allowed usesDebt consolidation, Major purchases, Unsecured debt consolidation ProhibitedUnknown SecuredNo Direct payoffYes Hardship programUnknown Institution Websitewww.achieve.com/ InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
AdvancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.advancial.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the U.S. Dog Agility Association or Connect Membership (confirm current association and fee on official site)
Affinity Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.affinityfcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 one-time donation to the Affinity Foundation
AgFed Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.agfed.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through either The Friends of National Zoo ($20 one-time fee) or The Friends of the National Arboretum ($20 one-time fee)
Alabama Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.alabamacu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Alabama Credit Union is open anyone through membership in The Secret Meals Association (application to join is on the credit union's site-$10 association member fee).
All In Credit Union (AL)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websiteallincu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$20 donation to the Army Aviation Museum Foundation (via Fort Rucker/Wiregrass AUSA chapter)
Allegacy Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.allegacy.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneDonate ~$10 to a partner association (e.g., Center for Smart Financial Choices, Kernersville Little Theatre, Hispanic League, SECCA)
Alliant Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.alliantcreditunion.org InsuranceNCUA insured NMLS IDUnknown FootprintOnline Only SupportUnknown How to qualify (membership) Open to anyoneSelect 'Alliant Credit Union Foundation' during application — Alliant pays the $5 fee on your behalf (free)
AlumniFiCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitealumnifi.org/ InsuranceNCUA insured NMLS IDUnknown FootprintOnline Only SupportUnknown How to qualify (membership) Open to anyoneOne-time donation to the Desk Drawer Foundation (amount not specified; confirm on site)
America First Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.americafirst.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherLimited to residents/workers/worshippers/students in designated counties of UT, NV, AZ, ID, OR, NM, or parts of San Bernardino County, CA, plus Utah food-industry workers, SEG employees, or family of existing members.
America's Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.youracu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the Pacific Northwest Consumer Council
American 1 Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.american1cu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the Community 1 Cooperative ($3 membership fee)
Andrews Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.andrewsfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free (use code 'ANDREWS')
AvantFintech	9.95% - 35.99%	—	Yes	Unknown
Loan terms APR typeFixed Amount$2,000 - $35,000 Term24-60 mo Origination fee0% - 9.99% Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Personal loan specifics Allowed usesEmergency loans, Home improvement loans, Debt consolidation loans ProhibitedUnknown SecuredNo Direct payoffUnknown Hardship programUnknown Institution Websitewww.avant.com/ InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
Bayer Heritage Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.bayerhfcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Bayer Heritage Federal Credit Union is open to anyone through membership in the American Consumer Council.
Best EggFintech	6.99% - 35.99%	—	Yes	Unknown
Loan terms APR typeFixed AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyNo Autopay discountUnknown Funding1-3 business days Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Personal loan specifics Allowed usesDebt consolidation, Home improvements, Major purchases ProhibitedUnknown SecuredUnknown Direct payoffUnknown Hardship programUnknown Institution Websitewww.bestegg.com/ InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
BluPeak Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.blupeak.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneComplimentary one-year KPBS membership — BluPeak pays the ~$60 fee (free)
Boeing Employees Credit Union (BECU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.becu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin a partner association: UWAA, WSUAA, BECU Foundation, GoWest Foundation, KEXP, or Sea Hawkers (fees vary by association)
Brightway LendingFintech	7.99% - 35.99%	—	Yes	TransUnion, Experian
Loan terms APR typeFixed Amount$1,000 - $50,000 Term24-84 mo Origination fee1% - 8% Prepay penaltyNo Autopay discountUnknown FundingSame day Eligibility Min score560 Max DTI50% Min income$20,000 CosignerYes Joint appNo Prequal shows real ratesYes Personal loan specifics Allowed usesDebt Consolidation, Credit Card Refinance, Home Improvement, Medical, Wedding, Moving ProhibitedEducation, Investments, Gambling SecuredNo Direct payoffYes Hardship programNo Institution Websiteexample.com/brightway InsuranceUnknown NMLS IDUnknown FootprintNationwide Support1-888-555-0170 Reputation Trustpilot4.6/5 (48,000) BBB3.7/5 (2,200)
California Coast Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.calcoastcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in California Coast Credit Union anyone through paying a $15 membership fee. Membership is also open to those who live or work in San Diego or Riverside Counties in California with a $5 membership fee.
Communitywide Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitecomwide.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Marine Corps League, Michiana Goodwill Boosters, or Tri-County YMCA (fee not specified; confirm on site)
Connexus Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.connexuscu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyone$5 one-time donation to the Connexus Association
CoVantage Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.covantagecu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 one-time donation to the CoVantage Cares Foundation
Credit HumanCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.credithuman.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Credit Union Of The RockiesCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.cu-rockies.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the Consumers United Association ($5 membership fee)
Department Of Commerce Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.docfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Digital Federal Credit Union (DCU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.dcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin Reach Out for Schools ($10) or Merrimack River Watershed Council ($35)
Dover Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.doverfcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone by joining the Friends of Bombay Hook
EastRise Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.eastrise.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — EastRise covers the fee (free)
Elements FinancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.elements.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin Tru Direction, Inc. to qualify for membership ($5 dues)
Evergreen Federal Credit UnionCredit Union · Membership required	7.49% - 17.99%	—	Yes	Equifax
Loan terms APR typeFixed Amount$1,000 - $30,000 Term6-60 mo Origination feeNone Prepay penaltyUnknown Autopay discountUnknown FundingSame day Eligibility Min score580 Max DTIUnknown Min incomeUnknown CosignerYes Joint appYes Prequal shows real ratesYes Personal loan specifics Allowed usesDebt Consolidation, Auto Repair, Medical, Vacation, Moving ProhibitedBusiness SecuredNo Direct payoffNo Hardship programYes Institution Websiteexample.com/evergreen InsuranceNCUA insured NMLS IDUnknown FootprintRegional Support1-800-555-0182 Reputation J.D. Power842/1000 App Store (iOS)4.7/5 (9,100) How to qualify (membership) LocationLive, work, worship, or attend school in Washington, Oregon, or Idaho. Family memberImmediate family of a current member is eligible. DonationJoin the Evergreen Community Fund with a one-time $10 donation.
Expedition Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.expeditioncu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the United Educators Foundation ($5 membership fee)
Farmers Insurance Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitefigfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Financial Resources Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitemyfinancialresources.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the American Consumer Council
First Flight Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.firstflightcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in First Flight Federal Credit Union is open to anyone through a $5 donation to the Capital Area Preservation Club
First Tech Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.firsttechfed.com InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneAnyone can join by becoming a member of a partner association (Financial Fitness Association or Computer History Museum) during the online application; First Tech typically covers the association fee.
Fort Bragg Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.fortbraggfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneNone confirmed — verify on official site
Fortera Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websiteforteracu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Fortera Credit Union is open to all U.S. citizens and resident aliens 18-years or older, who have a valid Social Security number or Tax Identification number.
FourLeaf Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.fourleaffcu.com InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone with a $5 savings deposit
GECUCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.gecu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in GECU is open to anyone through the American Consumer Council. GECU will enroll you at no additional cost.
Global Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.globalcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherOpen to residents/workers in Alaska, Washington, northern Idaho, Maricopa County AZ, or San Bernardino County CA; DoD employees worldwide; or family members of a qualifying member.
Great Lakes Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.glcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone (select 'Not Listed' on application) with a $1+ share
GreenState Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.greenstate.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneAnyone can join by becoming a member of the Iowa Consumer Council/American Consumer Council, in addition to Iowa-area residency, University of Iowa affiliation, or family of a member.
Grow Financial Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.growfinancial.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneNone — military/SEG/geographic restriction
GTE FinancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.gtefinancial.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 one-time fee to CU Savers nonprofit club
Guaranteed RateFintech	9.74% - 21.99%	—	Yes	Unknown
Loan terms APR typeFixed Amount$4,000 - $50,000 Term12-60 mo Origination fee0% - 6.5% Prepay penaltyUnknown Autopay discount0.25% Funding1-3 business days Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesYes Personal loan specifics Allowed usesDebt consolidation, Home remodeling, Unexpected expenses (e.g. car repairs, medical bills), Family vacation, Nearly any expense ProhibitedPost-secondary education expenses, Purchase of cryptocurrency, Purchase of securities SecuredNo Direct payoffUnknown Hardship programUnknown Institution Websitewww.rate.com/ InsuranceUnknown NMLS ID2611 FootprintNationwide SupportUnknown
Hope Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.hopecu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneBecome a member of the Hope Enterprise Corporation (fee not specified; confirm on site)
Hughes Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.hughesfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 donation to a community Special Interest Group (e.g., Friends of Pima County Public Library)
Idaho Central Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.iccu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherLimited to people who live/work/attend school in any Idaho county, select WA school districts, specific OR/AZ counties, State of Idaho employees, members of other Idaho-based credit unions, or family of a member.
INOVA Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websiteinovafederal.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through the Tru Direction Financial Literacy program ($5 donation)
Interior Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.interiorfederal.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneInterior Federal Credit Union is open to anyone through joining the New Mexico Wildlife Federation
Jovia Financial Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.jovia.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJovia Financial Credit Union is open to all U.S. citizens/resident aliens who join the CrossState Credit Union Foundation, regardless of where they live.
Justice Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitejfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyone$5 donation to Concerns of Police Survivors (C.O.P.S.); or National Sheriffs' Association (~$15); or National Native American Law Enforcement Association
La Capitol Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.lacapfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Louisiana Association for Personal Financial Achievement (fee not specified; confirm on site)
Lafayette Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.lfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 one-time fee to the Home Ownership Financial Literacy Council
Lake Michigan Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.lmcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyone$5 minimum donation to the ALS Association, West Michigan Chapter
Langley Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.langleyfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Langley Federal Credit Union is open to all U.S. citizens/resident aliens who open a Share Savings Account with a $5 minimum deposit
Latino Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitelatinoccu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Latino Credit Union is open to anyone by joining the Latino Community Development Center ($10 family membership fee).
LendingClubMarketplace	5.96% - 35.99%	—	Yes	Unknown
Loan terms APR typeFixed Amount$1,000 - $60,000 Term24-72 mo Origination fee0% - 8% Prepay penaltyNo Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appYes Prequal shows real ratesUnknown Personal loan specifics Allowed usesCredit card payoff, Debt consolidation, Unexpected costs, Almost any purpose ProhibitedEducation after high school, Making investments (such as securities or cryptocurrency), Funding any illegal activity SecuredNo Direct payoffYes Hardship programUnknown Institution Websitewww.lendingclub.com/ InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
LendingPointFintech	7.99% - 35.99%	—	Yes	Unknown
Loan terms APR typeFixed Amount$1,000 - $36,500 Term24-72 mo Origination fee0% - 10% Prepay penaltyNo Autopay discountUnknown Funding1-3 business days Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Personal loan specifics Allowed usesDebt consolidation ProhibitedUnknown SecuredNo Direct payoffUnknown Hardship programUnknown Institution Websitewww.lendingpoint.com/ InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
Liberty Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.libertyfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 donation to the Mater Dei Friends & Alumni Association
Library Of Congress Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.lcfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Magnifi FinancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitemymagnifi.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 donation to the Magnifi Financial Foundation
Marine Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitemarinefederalhb.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$25 donation to the Marine Corps Scholarship Fund
Mirastar Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.mirastarfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneThe pathway membership is easy with American Consumer Council.
Mountain America Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.macu.com InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneMembership in Mountain America Credit Union is open to anyone through membership in the American Consumer Council.
MTC Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.mtcfederal.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through membership in Friends of the Foundation - In Partnership with the Carolinas Credit Union Foundation
NASA Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.nasafcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneFree one-year National Space Society (NSS) membership — NASA FCU provides it at no cost
Navy Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.navyfederal.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) OtherMembership is limited to active-duty military, veterans, DoD civilian employees/contractors, and their immediate family or household members; there is no public workaround for unaffiliated civilians.
NIH Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.nihfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneNIH Federal Credit Union membership is open to anyone through membership in the American Consumer Council.
Northrop Grumman Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.ngfcu.us/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyone$50 membership to the Southern California Historical Aviation Foundation
Northwest Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.nwfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin a partner nonprofit (e.g., Florida Literacy Coalition ~$10)
NuVision Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitenuvisionfederal.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
OceanAir Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websiteoceanair.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneindividuals involved with select non-profit associations
Oklahoma Central Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.oklahomacentral.creditunion/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone who belongs to any other credit union
Oklahoma Community Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.okcommunitycu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneAnyone who joins the American Consumer Council (ACC)
Orion Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websiteorionfcu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 donation to one of five named organizations (e.g., Habitat for Humanity Greater Memphis, Ronald McDonald House, Wolf River Conservancy)
Parda Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.parda.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneAnyone who joins the American Consumer Council (ACC)
Partners 1St Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitepartners1stcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to all U.S. citizens and resident aliens by joining TruDirection
Patelco Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.patelco.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Financial Fitness Association — Patelco pays the first-year $8 fee (free)
Pelican State Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.pelicanstatecu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyonePelican State Credit Union is open to any U.S. citizen/resident alien who joins one of these Associate Partners: ARC Baton Rouge ($5 membership fee), Parents Association of Northwest Supports and Services ($5 membership fee), and Pinecrest Parents Association ($20 membership fee).
Pen Air Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.penair.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$1 donation to the Friends of the Navy-Marine Corps Relief Society
PenFed Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.penfed.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone with a $5 savings deposit
PenFed MortgageFintech	6.09%	—	Yes	Unknown
Loan terms APR typeFixed AmountUp to $50,000 Term60 mo Origination feeNone Prepay penaltyNo Autopay discount0.25% Funding1-3 business days Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesYes Personal loan specifics Allowed usesHome improvement, New roof, Tank-less water heater, Whole house generator, Major landscaping, Kitchen & bath remodel, Deck addition, Hardwood floors, Security door upgrade, Garage door replacement, Flood damage repair, HVAC & furnace repair, Window replacement ProhibitedUnknown SecuredNo Direct payoffUnknown Hardship programUnknown Institution Websitewww.penfed.org/mortgage-center InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
Pennsylvania State Employees Credit Union (PSECU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.psecu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Pennsylvania Recreation and Park Society (PRPS) — $20 annual dues (PSECU covers $10, so net $10)
People's Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitepeoplescu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneNone — geographic restriction (Rhode Island only)
Pima Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.pimafederal.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneDonate to Literacy Connects ($10), Children's Museum Tucson, or Friends of the Pima County Public Library ($20)
ProsperMarketplace	8.99% - 35.99%	—	Yes	Unknown
Loan terms APR typeFixed Amount$2,000 - $50,000 Term24-72 mo Origination fee1% - 9.99% Prepay penaltyNo Autopay discountUnknown Funding1-3 business days Eligibility Min score640 Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appYes Prequal shows real ratesYes Personal loan specifics Allowed usesDebt consolidation, Home repairs, Healthcare costs, Big purchases, Special occasions, Student loan refinancing, Educational expenses, Business expenses, Taxable investments ProhibitedUnknown SecuredNo Direct payoffUnknown Hardship programUnknown Institution Websitewww.prosper.com/ InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
Puerto Rico Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websiteprfedcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneby contribution through a donation ($50 for individuals)
Randolph-Brooks Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.rbfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherOver 5,000 qualifying paths via employer, place of worship, community organization, school, military base commissary access, or family of an existing member, but no membership route open to literally anyone.
Salal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitesalalcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the Salal Foundation or People's Memorial Association (~$50 lifetime)
Sandia Area Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.sandia.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneSubscribe to permaculture ethics (no fee specified; confirm on site)
SchoolsFirst Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.schoolsfirstfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherLimited to employees (and some contracted service providers, education students, and retirees) of California K-12 schools, colleges/universities and districts, plus immediate family members of existing members.
Security Service Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.ssfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherOpen to those who live, work, worship, attend school, or volunteer in Texas, Colorado, or Utah; select military/DoD affiliates; or family/household members of a current member.
Securityplus Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.securityplusfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone (regardless of residency) through membership in the American Consumer Council
Self-Help Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.self-help.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 one-time fee to join the Center for Community Self-Help
Self-Help Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.self-helpfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 one-time fee to join the Center for Community Self-Help
Signature Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.signaturefcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — free
Skyla Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.skylacu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — Skyla enrolls you automatically (free)
Soarion Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.soarion.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyonejoin either the Airman Heritage Foundation or the Dream Educational Foundation
SoFiFintech	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingSame day Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerYes Joint appYes Prequal shows real ratesUnknown Personal loan specifics Allowed usesDebt consolidation, Credit card payoff (Direct Pay) ProhibitedUnknown SecuredNo Direct payoffYes Hardship programUnknown Institution Websitewww.sofi.com/ InsuranceUnknown NMLS ID1121636 FootprintNationwide SupportUnknown
Spectra Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitespectracu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the American Consumer Council
State Department Federal Credit Union (SDFCU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitesdfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the American Consumer Council — SDFCU provides the $1 minimum savings (free)
State Employees' Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.ncsecu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherMembership limited to employees/retirees of North Carolina state government, public schools, community colleges, universities, and certain affiliated employers, plus their immediate family or household members.
Summit Credit Union (WI)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.summitcreditunion.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneOpen to anyone with a $1 savings deposit
Summit National BankBank	8.99% - 23.99%	—	Yes	TransUnion
Loan terms APR typeFixed Amount$2,000 - $50,000 Term12-60 mo Origination fee0% - 5% Prepay penaltyNo Autopay discountUnknown Funding1-3 business days Eligibility Min score660 Max DTI40% Min income$30,000 CosignerNo Joint appYes Prequal shows real ratesYes Personal loan specifics Allowed usesDebt Consolidation, Home Improvement, Medical, Major Purchase ProhibitedEducation, Business, Gambling SecuredNo Direct payoffYes Hardship programYes Institution Websiteexample.com/summit InsuranceFDIC insured NMLS ID401255 FootprintNationwide Support1-800-555-0101 Reputation BBB4.1/5 (1,280) Trustpilot3.9/5 (6,400)
Sun East Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitesuneast.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneMembership in Sun East Federal Credit Union is open to anyone through donating to the Sun East Charitable Foundation ($10)
Suncoast Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.suncoast.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherOpen to anyone who lives, works, attends school, or worships in Suncoast's ~40 eligible Florida counties (plus, since 2021, any Florida public educator), or has an immediate family member who is a member.
Superior Choice Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitesuperiorchoice.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through a membership in the American Consumer Council or Douglas County Historical Society
Tampa Bay Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.tampabayfederal.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to members of The Prime Time Club ($5 one-time membership fee)
Technology Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitetechcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the Financial Fitness Association ($8); or SJSU Alumni Association; or NorCal HR Association
The Golden 1 Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.golden1.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) OtherOpen to anyone who lives or regularly works in California (or is a CA-based business), plus family members/domestic partners of existing members; no path for non-California residents.
Transportation Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitetransfcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through joining the American Consumer Council.
True Sky Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitetrueskycu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneoffers membership to anyone through membership in the American Consumer Council.
U.S. Bank National AssociationBank	Unknown	—	Yes	Unknown
Loan terms APR typeFixed Amount$1,000 - $50,000 TermUnknown Origination feeNone Prepay penaltyNo Autopay discountUnknown Funding3-7 business days Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Personal loan specifics Allowed usesDebt consolidation, Major expenses, Home improvement, Emergency expenses ProhibitedUnknown SecuredNo Direct payoffUnknown Hardship programUnknown Institution Websitewww.usbank.com InsuranceFDIC insured NMLS IDUnknown FootprintUnknown SupportUnknown
United Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websiteunitedfcu.com InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin the National American Consumer Council — free
United Nations Federal Credit Union (UNFCU)Credit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.unfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneMembership is open to residents of the United States who are members of the United Nations Association of the USA ($25 membership fee)
United States Senate Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websiteussfcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneJoin the U.S. Capitol Historical Society or the American Consumer Council (free)
UpstartMarketplace	6.2% - 35.99%	—	Yes	Unknown
Loan terms APR typeFixed Amount$1,000 - $75,000 Term36-60 mo Origination feeUnknown Prepay penaltyNo Autopay discountUnknown Funding1-3 business days Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesYes Personal loan specifics Allowed usesDebt consolidation, Medical expenses, Home improvement projects, Student debt, Moving expenses, Wedding, Vacation ProhibitedUnknown SecuredNo Direct payoffUnknown Hardship programUnknown Institution Websitewww.upstart.com/ InsuranceUnknown NMLS IDUnknown FootprintNationwide SupportUnknown
USALLIANCE FinancialCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.usalliance.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneJoin Tread Lightly!, American Consumer Council, WARC, Council of Community Service, or Rye Arts Center (fees vary)
Velocity Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitevelocitycu.com/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$10 donation to the Paramount Theatre Association
Vibrant Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.vibrantcreditunion.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$5 donation to Vibrant's Be The Good Foundation
Vision Financial Federal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitevffcu.org InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyoneis open to anyone through membership in the North Carolina Consumer Council ($18 membership fee)
VyStar Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.vystarcu.org InsuranceNCUA insured NMLS IDUnknown FootprintNationwide SupportUnknown How to qualify (membership) Open to anyoneAnyone can qualify by donating at least $5 to the VyStar Foundation, in addition to Florida/Georgia county residency, military affiliation, Brightway Insurance ties, or SEG employer paths.
Wells Fargo Bank, National AssociationBank	6.74% - 26.74%	—	Yes	Unknown
Loan terms APR typeFixed AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingSame day Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Personal loan specifics Allowed usesDebt consolidation ProhibitedUnknown SecuredNo Direct payoffUnknown Hardship programUnknown Institution Websitewww.wellsfargo.com InsuranceFDIC insured NMLS IDUnknown FootprintUnknown SupportUnknown
Zeal Credit UnionCredit Union · Membership required	Unknown	—	Unknown	Unknown
Loan terms APR typeUnknown AmountUnknown TermUnknown Origination feeUnknown Prepay penaltyUnknown Autopay discountUnknown FundingUnknown Eligibility Min scoreUnknown Max DTIUnknown Min incomeUnknown CosignerUnknown Joint appUnknown Prequal shows real ratesUnknown Institution Websitewww.zealcu.org/ InsuranceNCUA insured NMLS IDUnknown FootprintRegional SupportUnknown How to qualify (membership) Open to anyone$2 one-time membership fee to CSI Support & Development Services

Estimates are educational and based on cataloged data for your score band (Unknown). They are not an offer, approval prediction, or guarantee. Bureau pulls can vary by state, channel, and applicant.