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Personal loans compared

Q: What is an origination fee?

A one-time fee, usually a % of the loan, deducted from the money you receive; it is included in the APR.

Q: Why is a lender's APR 'not found'?

Its page did not publish a full range when we read it on 2026-10-12. We don't fill gaps with guesses.

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Too close to call: Discover vs LightStream

1. Discover77.8%
APR 6.99%–24.99%Origination fee 0%Terms 36 mo–84 moAmount not found
2. LightStream75.2%
APR 9.99%–25.44%Origination fee 0%Terms 24 mo–240 moAmount not found
3. Navy Federal74.6%
APR 8.74%–18%Origination fee 0%Terms up to 180 moAmount $250–$50,000
4. SoFi64.6%
APR 6.99%–35.49%Origination fee 0%–7%Terms 24 mo–84 moAmount $5,000–$100,000
5. LendingClub59.0%
APR 5.96%–35.99%Origination fee 0%–8%Terms 24 mo–84 moAmount $1,000–$75,000
6. Rocket Loans48.6%
APR 7.99%–29.99%Origination fee up to 9.99%Terms not foundAmount $2,000–$75,000
7. Happy Money48.2%
APR 8.95%–35.99%Origination fee 1%–8%Terms 24 mo–84 moAmount up to $50,000
8. Upgrade46.6%
APR 7.74%–35.99%Origination fee 1.85%–9.99%Terms 24 mo–84 moAmount $1,000–$50,000
9. Upstart46.4%
APR 6.3%–35.99%Origination fee not foundTerms 36 mo–60 moAmount $1,000–$75,000
10. Prosper40.0%
APR 8.99%–35.99%Origination fee 1%–9.99%Terms 24 mo–72 moAmount not found
11. Best Egg36.0%
APR 6.99%–35.99%Origination fee 0.99%–9.99%Terms 36 mo–60 moAmount not found
12. Avant31.2%
APR 9.95%–35.99%Origination fee up to 9.99%Terms 24 mo–60 moAmount $2,000–$35,000
13. OneMain Financial30.0%
APR 11.99%–35.99%Origination fee not foundTerms 24 mo–60 moAmount $1,500–$30,000
14. Citi46.0%
APR as low as 10.24%Origination fee 0%Terms not foundAmount $2,000–$30,000
Limited data (40% of criteria published): can't be the top pick.
15. Achieve36.0%
APR as low as 6.25%Origination fee not foundTerms 24 mo–60 moAmount $5,000–$50,000
Limited data (40% of criteria published): can't be the top pick.

Rubric: Lowest advertised APR, Highest APR (worst case), Origination fee (max), Term range, Max loan amount, equal weights; formulas on each lender page. Unknowns are scored at the lower of 5/10 and the median (never inflate); <75% data can't be the pick; leads under 3 pts are too close to call.

Monthly payment range for $10,000 over 36 months

SoFi$309–$455/mo
At 6.99%–35.49% APR for 36 months: total interest $1,114–$6,385; origination fee up to $700 (7%) deducted from proceeds.
LightStream$323–$400/mo
At 9.99%–25.44% APR for 36 months: total interest $1,614–$4,397; no origination fee.
Upgrade$312–$458/mo
At 7.74%–35.99% APR for 36 months: total interest $1,238–$6,487; origination fee up to $999 (9.99%) deducted from proceeds.
Upstart$306–$458/mo
At 6.3%–35.99% APR for 36 months: total interest $1,001–$6,487; origination fee not found.
LendingClub$304–$458/mo
At 5.96%–35.99% APR for 36 months: total interest $945–$6,487; origination fee up to $800 (8%) deducted from proceeds.
Best Egg$309–$458/mo
At 6.99%–35.99% APR for 36 months: total interest $1,114–$6,487; origination fee up to $999 (9.99%) deducted from proceeds.
Avant$322–$458/mo
At 9.95%–35.99% APR for 36 months: total interest $1,608–$6,487; origination fee up to $999 (9.99%) deducted from proceeds.
Prosper$318–$458/mo
At 8.99%–35.99% APR for 36 months: total interest $1,446–$6,487; origination fee up to $999 (9.99%) deducted from proceeds.
AchieveAPR range not found
Happy Money$318–$458/mo
At 8.95%–35.99% APR for 36 months: total interest $1,440–$6,487; origination fee up to $800 (8%) deducted from proceeds.
Discover$309–$398/mo
At 6.99%–24.99% APR for 36 months: total interest $1,114–$4,312; no origination fee.
CitiAPR range not found
OneMain Financial$332–$458/mo
At 11.99%–35.99% APR for 36 months: total interest $1,955–$6,487; origination fee not found.
Navy Federal$317–$362/mo
At 8.74%–18.0% APR for 36 months: total interest $1,404–$3,015; no origination fee.
Rocket Loans$313–$424/mo
At 7.99%–29.99% APR for 36 months: total interest $1,279–$5,281; origination fee up to $999 (9.99%) deducted from proceeds.

Range uses each lender's lowest and highest published APR; the lowest is usually for top credit with autopay.

FAQ

What is an origination fee?

A one-time fee, usually a % of the loan, deducted from the money you receive; it is included in the APR.

Why is a lender's APR 'not found'?

Its page did not publish a full range when we read it on 2026-10-12. We don't fill gaps with guesses.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.