Best Personal Loans With a Co-Signer of December 2024

• Pros:
  • Quick, easy online application
  • Fast funding
• Cons:
  • Origination fee

LendingClub offers loans of $1,000 to $40,000.

The APR range is from 8.30% to 36.00%. Loan terms are available for 3 or 5 years.

LendingClub charges an origination fee of 3% to 6% on personal loans.

• Pros:
  • Fast approval and funding
  • Rate discount for autopay
  • No Fees
• Cons:
  • Not available to residents of Mississippi
  • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

• Pros:
  • Low, fixed rates
  • No application fees, origination fees or prepayment penalties
  • No payments for up to 45 days
• Cons:
  • No autopay discount

First Tech FCU offers personal loans of up to $50,000 with rates starting at 6.70%.

First Tech does not charge a prepayment penalty. It also has no origination or application fees.