The bank’s personal loans can be used for any purpose, but they’re typically used for debt consolidation or home improvements

The bank’s personal loans can be used for any purpose, but they’re typically used for debt consolidation or home improvements

Marcus by Goldman Sachs

Marcus by Goldman Sachs is an excellent option personal loans Utah for borrowers with good credit who want low rates and flexible repayment terms.

One of the most significant benefits of taking out a personal loan through Marcus is that the bank doesn’t charge any hidden fees. There are no origination fees, prepayments fees, and the bank doesn’t even charge fees for missed payments.

Once you’re approved for a personal loan, ount and loan term. This allows you to choose a repayment schedule that will fit within your budget. And Marcus even gives borrowers the option to change their due date up to three times over the life of the loan.

You will need to have excellent credit to qualify, and there’s no option to apply with a cosigner. But if you meet the lending requirements, Marcus by Goldman Sachs is one of the best personal loan options out there.


If your credit is less than perfect, consider Avant for your unsecured loan. You’ll notice higher interest rates, ranging between 9.95% and % APR but their approval guidelines are less strict.

Loan terms can last anywhere from 24 months to 60 months, so you can get a shorter repayment plan than some other lenders. You can borrow anywhere between $2,000 and $35,000.

Like many other online platforms, they offer a quick and easy application process. Once you sign your contract, you can get your funds on the very next business day. Personal loans can be used for various purposes, including debt consolidation, home improvement, and unexpected expenses.

SoFi is unique because it doesn’t charge an origination fee, whereas most other online lenders charge anywhere between 1% and 6% of the total loan amount. It’s also a good option if you have excellent credit and need a higher amount of money because personal loans can range anywhere from $5,000 to $100,000.

A personal loan from SoFi could help you save thousands. With low interest rates and a fixed monthly payment, you can pay off high-interest credit card debt. You also get a 0.25% discount on your interest rate if you sign up for monthly autopay. It only takes minutes to apply.


You’ll need a credit score of just 550, although you can expect above-average ount is just $1,500, but you can borrow all the way up to $30,000 with a OneMain personal loan.

Unlike many lenders that operate solely online, they have physical branch locations across the country. If you prefer in-person support for your financial decisions, you’ll appreciate their hands-on lending approach. In fact, you’ll need to complete a face-to-face meeting before finalizing your personal loan.

Additionally, you may be required to use collateral to qualify for a secured loan. Examples include vehicles, boats, campers, or RVs. You’ll need to have an appraisal completed to ensure the value is sufficient to cover the loan.


Upstart offers personal loans for any number of purposes but boasts major savings if you want to consolidate debt or pay off your credit cards.

In fact, they say that their borrowers save 26% on interest rates compared to their credit cards. That can equal major savings over time. Upstart is an online lender that uses data beyond your credit score to evaluate your application.

They also look at your education, area of study, and your job history. You can see what interest rate you qualify for in under two minutes and get funded the next business day. Loan amounts are between $1,000 and $50,000.

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