SoFi Personal Loan
SoFi
Good-credit borrowers funding a large expense
No origination fee plus borrowing up to $100,000 makes SoFi a strong pick when you need a sizable loan without upfront deductions.
APR from8.99%
For educational purposes only — not financial advice. Learn about our editorial process
Recommended
Consolidate your debt
LightStream Personal Loan
LightStream
Strong-credit borrowers chasing the lowest rate
A starting APR of 7.49% with no origination fee and terms up to 144 months gives strong-credit borrowers low rates and long repayment flexibility.
APR from7.49%
Marcus by Goldman Sachs Personal Loan
Marcus by Goldman Sachs
Good-credit borrowers wanting a simple, fee-free loan
Marcus pairs a low 6.99% starting APR with no origination fee, so good-credit borrowers keep more of every dollar they borrow.
APR from6.99%
Common questions
Debt payoff calculator FAQ
The snowball pays off your smallest balance first to build momentum with quick wins, while the avalanche pays off your highest-interest debt first to minimize the total interest you pay. The avalanche is usually cheaper and faster mathematically; the snowball can be easier to stick with psychologically. Both beat making only minimum payments.
For educational purposes only -- not financial advice. Results are estimates that assume fixed APRs and on-time payments; your actual payoff may differ. Consult a financial professional for your specific situation.