Unsecured Personal Loan Offers

An unsecured personal loan is a great way to consolidate debts and get a fixed monthly payment at a lower rate.

Here is a look at current personal loan offers from top lending companies if you want to borrow $5000.

UpStart

With the UpStart personal loan offer the estimated APR is between 13.5 and 17.5%. You can expect your monthly repayment to be about $175 per month.

This is a good loan to take if you have little credit history. They do charge an origination fee that is between 1 and 6% of the loan amount as well as late fees. You will need to have a minimum credit score of 620.

Discover

With Discover the estimated APR is between 7 and 25%. You can expect your monthly payment to be about $176.

You will need to have a minimum credit score of 660 and a minimum household income of $25 000. Discover do not charge an origination fee, but they do charge a late fee of $39.

Pave

The estimated APR for the Pave personal loan offer is 18% and you will need to make a monthly repayment of about $181.

With Pave, you need to have a minimum credit score of 660. They do charge an origination fee and a late fee. This is a good personal loan offer for those that have a short credit history.

Prosper

With Prosper the estimated APR is between 15 and 23%, with an estimated monthly repayment of $183.

This is a good loan option for those that have a good credit profile. You will need to have a minimum credit score of 640. They generally require a high income and several years of credit history. The maximum debt to income ratio is 50% without a mortgage. Prosper do charge a late fee and an origination fee.

Lending Point

With Lending Point, the estimated APR is between 17.5 and 24%. The monthly repayment is about $188.

This is a good personal loan option for those that have poor credit. You will need to have a minimum credit score of 600 and a gross minimum income of $20 000. The maximum debt to income ratio must be less then 45%. They do charge a late fee and origination fee.