Loan Companies online


debt_consolidation

Avant

Eligibility: Available in 46 states; minimum credit score of 580
Amount: $1, 000 to $35, 000
Interest rate: 9.95% to 36%
Repayment Term: 12 to 60 months
Fees: no origination fee on unsecured loans, no pre-payment fees

Avant is your best bet if you don’t have a high credit score since they also consider income when determining your eligibility. They directly fund their loans, so the application and approval process is fast and easy. A major benefit of using Avant is that the money can be deposited directly into your account as soon as the next business day.

Borrow up to $35, 000

Looking for a loan to consolidate debt? Pay off your credit cards? Make home improvements? Get a low fixed rate loan without any hidden fees and no pre-payment penalties. Applying is quick and easy.

Eligibility: available in 47 states; minimum credit score of 640
Amount: $2, 000 to $35, 000
Interest rate: 5.99% to 36.00%
Repayment Term: 36 or 60 months
Fees: origination or “closing fee” of 1% to 5%; late fees are $15 or 5% of outstanding amount (whichever is larger); failed payment fee is $15

Prosper was the first peer-to-peer lender on the market offering an alternative choice to traditional loans. Peer-to-peer lending often offers lower interest rates than traditional loans because it basically cuts out the financial middleman like a bank by instead providing the loan from several individual investors. It can take about a week for your loan to get approved (accepted by investors), but funds are transferred within 1 to 2 days after your loan is approved. While you have to have a minimum credit score of 640, many other factors besides credit history can determine your APR.

Consolidate Your Debts

Save thousands and pay off your high interest debt with a low, fixed rate loan via LendingClub. Rates from 5.99% to 32.99% APR: Best APR is available to borrowers with excellent credit.

Eligibility: Available in 46 states; minimum credit score 660
Amount: , 000 to , 000
Interest rate: 5.99% to 32.99%
Repayment Term: 36 or 60 months
Fees: origination or “closing fee” of 1% to 5%; late fees are $15 or 5% of outstanding amount (whichever is larger); failed payment fee is $15; check-processing fee of $15 if you pay with check

Lending Club, like Prosper, is a peer-to-peer lender, so it can take over a week or so to process your loan application, get approved, and receive your money. It offers similar rates and fees to Prosper, though it has slight stricter eligibility requirements, so it may offer more competitive rates for its more qualified applicants.

How To Get Started With Your Loan Application

Prosper, Avant, and Lending Club have been consistently rated the top 2015 debt consolidation online lenders and are all accredited with the Better Business Bureau. They are also trusted partners with ReadyforZero, so start a quick and easy loan application here to compare your pre-approved consolidation offers. The application will NOT affect your credit score, so there’s no harm in exploring all available options for making it easier and faster to get out of debt.

If you sign up for, you can get a free online plan for paying off your debt. You’ll also see the specific dollar amount you are paying in interest on any credit card or loan and whether you might save on each loan with a debt consolidation loan.

Interesting facts

  • The Debt Exchange (also known as "DebtX") is one of the world's largest loan sale advisors for the sale of commercial, consumer and specialty finance debt. The company is engaged by commercial banks, insurance companies, investment banks, government agencies and other institutions.
    The Debt Exchange is based in the Financial District in Boston...
  • Over the last two decades Catherine Muriel has successfully applied her
    analytical, branding, and positioning expertise at premier financial
    and consumer product companies.
    Ms. Muriel most recently served as Chief Marketing
    Officer of E-LOAN, a leading online consumer direct lender providing
    mortgage, home equity, auto loans and online...

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