LightStrea is an excellent choice for borrowers with good credit. They offer same - day approval and same - day funding for loans ranging from \(5,000 to \)100,000. With no origination fees and APRs that range from 6.99% to 25.29%, depending on the loan purpose, LightStream provides a cost - effective solution. To qualify, borrowers need a minimum credit score of 660, although this can vary based on the loan amount and purpose. They also require a maximum debt - to - income ratio of 50% and a minimum credit history of 3 years. Acceptable income sources include employment, retirement, rental income, alimony, child support, social security payments, and disability benefits.

SoFi Personal Loan is another top contender. It offers same - day approval and funding for loans between \(5,000 and \)100,000. What sets SoFi apart is its thoughtful perks, such as unemployment protection and free financial advising. Borrowers must be at least 18 years old in most states, be a U.S. citizen, permanent or non - permanent resident, including DACA recipients and asylum seekers. They also need to be employed, have sufficient income from another source, or have an offer of employment to start within the next 90 days. The APR ranges from 8.99% to 29.99%, and there is an origination fee of 0% to 7%.

Rocket Loans is known for its fast funding. They offer personal loans from \(2,000 to \)45,000 with same - day approval and funding. To qualify, borrowers need a minimum credit score of 640 and a minimum annual gross income of \(24,000. The maximum debt - to - income ratio is 40% or 70% including a mortgage, and they require a minimum credit history of 2 years. The APR ranges from 8.99% to 29.99%, and there is an origination fee of up to 9%, along with a \)15 late fee and a $15 non - sufficient funds fee.

Discover Personal Loans are great for borrowers with good and excellent credit. They offer same - day approval and next - day funding for loans from \(2,500 to \)40,000. With competitive APRs ranging from 7.99% to 24.99% and no origination fees, Discover is an attractive option. Borrowers need a minimum credit score of 660, a minimum annual household income of $25,000, which can come from various sources like employment, retirement, alimony, etc. They also need to provide a valid U.S. address and email address and be 18 years old with a valid social security number.

LendingClub is a solid option for good - credit borrowers looking to consolidate debt and build their credit. They offer loans from \(1,000 to \)40,000 with same - day approval and next - day funding. The minimum credit score required is 600, and the average borrower score is above 700. While there is no set minimum income, the lender requires proof of income, with the average borrower earning \(100,000 per year. The APR ranges from 9.06% to 35.99%, and there are fees such as an origination fee of 3% to 8%, a late fee of 5% of the payment or \)15 after a 15 - day grace period, and a $15 insufficient funds fee.

Upstart is a unique option as it may be suitable for borrowers with low credit scores or thin credit histories. They offer loans from \(1,000 to \)50,000 with same - day approval and next - day funding. Borrowers must be a U.S. citizen or permanent resident, at least 18 years old in most states, have a valid email address and social security number, and have a source of regular income. The APR ranges from 7.80% to 35.99%, and there are fees including an origination fee of 0% to 12%, a late fee of 5% of the unpaid amount or \(15 (whichever is greater), and a \)15 insufficient funds fee.