Companies offering personal loans include Lightstream, Earnest, SoFi, Vouch and Prosper, according to Magnify Money. Other companies offering personal loans include Springleaf, 1st Franklin Financial, OneMain Financial and NetCredit, a subsidiary of Enova International, reports ConsumerAffairs.
SoFi, Lightstream and Earnest offer personal loans to individuals with excellent credit, Magnify Money informs. As of 2015, SoFi offers competitive interest rates between 5 and 10 percent, and it offers loans to college graduates with limited credit history with zero upfront fees. Except Tennessee and Nevada, SoFi personal loans are available in all states. Earnest also offers personal loans with a competitive interest rate between 4.25 and 9.25 percent. However, loans are only available in nine states including California, Florida, Massachusetts, New Jersey and New York.
Vouch and Prosper offer personal loans to individuals with good credit, according to Magnify Money. As of 2015, Prosper requires an upfront fee between 2 and 5 percent, and offers interest rates between 7 and 34 percent. Loans are available in all states, except North Dakota, Iowa and Maine. Vouch is available in all states, but requires applicants to have a minimum credit score of 600 and an annual income of at least $24,000. The Lending Club, Circleback Lending, PenFed and Upstart also offer personal loans to individuals with good credit.