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Top 14 Best Personal Loans Of 2021

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13.Credible

Credible offers personal loans with rates starting at 5.95% APR (with autopay)*.

Plus, searching your rate options through Credible is completely free, with no hidden fees.

Credible’s simple form is about as easy as it gets when it comes to applying for a personal loan. It takes just two minutes to complete, and Credible promises that their application process is incredibly secure.

Money Under 30 readers who refinance their student loans with Credible can get a $100 bonus!

12.Prosper

Prosper has been providing loans for more than a decade, so it is viewed as one of the authorities in the field. 

Prosper is one of the best options for debt consolidation.

A peer-to-peer lending marketplace, Prosper provides loans for people with good credit, but will also work with individuals holding a score as low as 640. There are no minimum income requirements for this company either, making it easier for the average Joe to receive a loan.

APRs range from 6.95%-35.99% and have flexible repayment plans up to five years.

One of the best features of Prosper loans is that there are no prepayment penalties.

A prepayment penalty is a fee you are charged if you pay off part of or all of your debt earlier than the contract date.

lending partners charge this fee because they are losing out on the interest you would be paying if your loan stretched out longer. Prosper does not charge this fee, making it even more financially beneficial for you.

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