Best Loan Providers in 2025

Affirm.com #1 in Loans 76 reviews | 35 complaints About: Affirm.com offers flexible, pay-over-time financing solutions for online and in-store purchases. Advantages Flexible payment options with no hidden fees Transparent credit terms for easy budget management Real-time decision-making for quick financing approval

Earnest #2 in Loans 20 reviews | 12 complaints About: Earnest offers personalized student loan refinancing and private student loans online. Advantages Competitive low-interest rates for student loan refinancing. Customizable loan terms to fit individual financial needs. No fees for origination, application, or prepayment.

CareCredit #3 in Loans 234 reviews | 217 complaints About: CareCredit offers specialized credit cards for healthcare services and veterinary expenses. Advantages Flexible financing options for healthcare services Wide acceptance at various medical providers nationwide Interest-free promotional periods available

Uplift #4 in Loans 34 reviews | 18 complaints About: Uplift offers flexible pay-over-time travel financing options to consumers. Advantages Flexible travel payment plans Zero hidden fees for transparency Seamless integration with travel partners

Rocket Mortgage #5 in Loans 25 reviews | 14 complaints About: Rocket Mortgage offers online mortgage lending solutions for homebuyers and homeowners. Advantages Streamlined online application process Customizable loan options for diverse needs Real-time loan tracking with mobile app

Perpay #6 in Loans 40 reviews | 19 complaints About: Perpay offers a platform for small installment payments with no credit check for purchasing goods. Advantages Perpay offers easy budgeting with manageable installment payments. Features a wide selection of top brands and products. No credit check required for shopping on Perpay.

Best Egg #7 in Loans 29 reviews | 14 complaints About: Best Egg offers personal loans and financial services for debt consolidation and major expenses. Advantages Quick and easy online application process for personal loans. Competitive interest rates for a variety of credit scores. No prepayment penalty, offering financial flexibility.

CIT Group #8 in Loans 22 reviews | 9 complaints About: CIT Group offers financial services including lending, leasing, and treasury management. Advantages Diverse financial services portfolio Tailored industry-specific solutions Nationwide presence with strong customer focus

Sunbit #9 in Loans 33 reviews | 18 complaints About: Sunbit offers flexible payment solutions for everyday needs through quick, simple financing options. Advantages Flexible payment options for everyday needs Quick, easy application process with high approval rates No hard credit check required, protecting credit scores

Kabbage #10 in Loans 28 reviews | 18 complaints About: Kabbage provides automated funding to small businesses through an online platform. Advantages Quick, streamlined online application process for loans. Flexible, ongoing access to lines of credit up to $250K. No-cost insights tool for real-time business performance.

BlueVine #11 in Loans 43 reviews | 25 complaints About: BlueVine offers online business banking, invoice factoring, and line of credit services for small businesses. Advantages Flexible business lines of credit up to $250,000. Fast, simple, and easy online application process. No monthly fees with BlueVine Business Checking.

Borrowell #12 in Loans 7 reviews About: Borrowell offers credit score monitoring, personal loans, and financial product recommendations. Advantages Free credit score checks with weekly updates. Personalized loan and credit card recommendations. Educational resources to improve financial health.

PayTomorrow #13 in Loans 28 reviews | 11 complaints About: PayTomorrow offers financing solutions for consumers to purchase goods with flexible payment options. Advantages Flexible financing options for all credit types Instant credit decisions and easy application process No prepayment penalties and transparent terms

Repay #14 in Loans 10 reviews | 10 complaints About: Repay offers integrated payment processing solutions for various industries, enhancing transaction efficiency. Advantages Seamless integration with existing systems. Real-time payment processing capabilities. Comprehensive security measures and compliance.

Hearth #15 in Loans 18 reviews About: Hearth offers financing solutions for home improvement projects through a technology-driven platform. Advantages Hearth offers quick financing solutions for home improvement projects. User-friendly platform with instant loan options for homeowners. Partners with reputable contractors to ensure quality service.

Lower My Bills #16 in Loans 17 reviews | 3 complaints About: Lower My Bills offers services to compare and reduce monthly bills for insurance, mortgages, and loans. Advantages Compare multiple lenders for lower rates Streamlined online application process Offers a variety of loan and refinancing options

Beyond Finance #17 in Loans 41 reviews | 20 complaints About: Beyond Finance offers debt resolution services to help individuals manage and reduce unsecured debt. Advantages Customized debt relief solutions tailored to individual needs. Transparent process with no hidden fees for financial peace of mind. Dedicated team providing expert support and guidance.

Possible #18 in Loans 35 reviews | 18 complaints About: Possible Finance offers short-term loans and financial tracking tools to help users manage their credit. Advantages Quick loan approval process with Possible Finance. No credit check required for Possible loans. Flexible repayment options through Possible app.

Ace Cash Express #19 in Loans 31 reviews | 30 complaints About: Ace Cash Express offers payday loans, installment loans, and other financial services. Advantages Quick, easy application process for loans and cash advances. Multiple financial services including bill pay and check cashing. Nationwide availability with over 950 locations.

LendKey Technologies #20 in Loans 14 reviews | 13 complaints About: LendKey Technologies is an online lending platform that connects borrowers with community banks and credit unions, providing access to student loans, home improvement loans, and refinancing options. Advantages Streamlined loan origination process Extensive network of community lenders Innovative technology for personalized loan solutions