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