Lenders compared: 12 loans like Upstart
Lenders publish very different prices for the same loan. Of the 12 lenders here, 7 keep every published APR at or under 35.99%; the others go higher or show a rate only in the offer.
Key points
- 7 of the 12 lenders publish an APR range that stops at 35.99%: Upstart, BMG Money, Kashable, OneMain Financial, Avant, Best Egg, Prosper.
- Where a lender shows no single rate, the APR in your offer is the figure to read.
- Every figure was read from the lender's own terms on November 10, 2026.
On this page
- 12 lenders, side by side
- Loans like Upstart
- Loans like OppLoans
- Loans like RISE
- Loans like Possible Finance
- Loans like CreditNinja
- Loans like Lendly
- Loans like BMG Money
- Loans like Kashable
- Loans like OneMain Financial
- Loans like Avant
- Loans like Best Egg
- Loans like Prosper
- How to read the last column
- Before you pick a lender
- Common questions
12 lenders, side by side
| Lender | Loan amounts | Repayment | Published APR | Inside our 35.99% ceiling? |
|---|---|---|---|---|
| Upstart | $1,000 to $75,000 | Not stated | 6.1% to 35.99% | Yes |
| OppLoans | $500 to $5,000 | Not stated | Above 36% | No |
| RISE | $500 to $5,000 | Not stated | Shown in the offer | Check your offer |
| Possible Finance | Up to $500 | Not stated | Shown in the offer | Check your offer |
| CreditNinja | Unsecured loans generally up to $5,000 | Not stated | Shown in the offer | Check your offer |
| Lendly | $500 to $2,000 | Not stated | Shown in the offer | Check your offer |
| BMG Money | $500 to $12,000 | 6 to 48 months | 19.99% to 35.99% | Yes |
| Kashable | $250 to $30,000 | 6 to 36 months | 6% to 35.99% | Yes |
| OneMain Financial | $1,500 to $35,000 | Not stated | 11.99% to 35.99% | Yes |
| Avant | $2,000 to $35,000 | 24 to 60 months | 9.95% to 35.99% | Yes |
| Best Egg | $2,000 to $50,000 | Not stated | 6.99% to 35.99% | Yes |
| Prosper | Up to $50,000 | 2 to 6 years | 8.99% to 35.99% | Yes |
“Inside our ceiling” compares the lender’s published APR with the 35.99% that Northlight uses as its limit. Figures were read on November 10, 2026; lenders change their terms, so read the offer itself before you sign.
Loans like Upstart
Upstart offers personal loans: $1,000 to $75,000. The published APR runs from 6.1% to 35.99%.
- Upstart says the amount and APR depend on your profile and that not all applicants are approved.
Closest to Upstart: Prosper, Best Egg, Avant, OneMain Financial. Source: Upstart: Personal loans.
Loans like OppLoans
OppLoans offers installment loans: $500 to $5,000. OppLoans states a maximum APR that is several times the 36% ceiling.
- OppLoans also offers a cash advance account with a fee of 10% of each draw.
Closest to OppLoans: RISE, CreditNinja, Possible Finance, OneMain Financial. Source: OppLoans.
Loans like RISE
RISE offers installment loans: $500 to $5,000. RISE does not publish one rate for every state on its home page; the APR appears in your offer.
Closest to RISE: OppLoans, CreditNinja, Lendly, OneMain Financial. Source: RISE Credit.
Loans like Possible Finance
Possible Finance offers small loans repaid over several pay periods: up to $500. Possible does not publish one rate for every state on its home page; the APR appears in your offer.
- Each payment can be moved up to 29 days with no rescheduling fee.
- On-time payments are reported to the credit bureaus.
Closest to Possible Finance: OppLoans, RISE, CreditNinja, Lendly. Source: Possible Finance.
Loans like CreditNinja
CreditNinja offers installment loans: unsecured loans generally up to $5,000. CreditNinja’s representative example uses 35.99% APR for loans made under general usury law. Its rates differ by state and product, so read the APR in your offer.
- CreditNinja’s example: $100 over 3 months at 35.99% APR is three payments of $35.35.
Closest to CreditNinja: OppLoans, RISE, Lendly, Avant. Source: CreditNinja.
Loans like Lendly
Lendly offers personal loans: $500 to $2,000. Lendly does not state an APR on its home page; the rate appears in your offer.
- Lendly also advertises a line of credit from $300 to $1,500.
Closest to Lendly: BMG Money, Kashable, Possible Finance, OppLoans. Source: Lendly.
Loans like BMG Money
BMG Money offers installment loans: $500 to $12,000. The published APR runs from 19.99% to 35.99%.
- Repayment over 6 to 48 months.
- Many BMG Money loans carry a one-time origination fee of 5%.
Closest to BMG Money: Kashable, Lendly, OneMain Financial, Avant. Source: BMG Money.
Loans like Kashable
Kashable offers personal loans offered through employers: $250 to $30,000. The published APR runs from 6% to 35.99%.
- Repayment over 6 to 36 months.
- Kashable’s example: $5,000 over 18 months with a $225 origination fee has an APR of 28.50%.
Closest to Kashable: BMG Money, Upstart, Avant, Prosper. Source: Kashable.
Loans like OneMain Financial
OneMain Financial offers personal loans: $1,500 to $35,000. The published APR runs from 11.99% to 35.99%.
- OneMain’s example: $6,000 at 24.99% APR over 60 months is $176.07 a month.
Closest to OneMain Financial: Avant, Upstart, Best Egg, Prosper. Source: OneMain Financial: Personal loans.
Loans like Avant
Avant offers personal loans: $2,000 to $35,000. The published APR runs from 9.95% to 35.99%.
- Repayment over 24 to 60 months.
- Avant charges an administration fee of up to 9.99%.
Closest to Avant: OneMain Financial, Upstart, Best Egg, Prosper. Source: Avant: Personal loans.
Loans like Best Egg
Best Egg offers personal loans: $2,000 to $50,000. The published APR runs from 6.99% to 35.99%.
- Best Egg charges an origination fee of 0.99% to 9.99%, deducted from the money you receive.
- Best Egg’s example: $5,000 over 3 years at 6.99% APR is 36 payments of $152.83.
Closest to Best Egg: Upstart, Prosper, Avant, OneMain Financial. Source: Best Egg: Personal loans.
Loans like Prosper
Prosper offers personal loans: up to $50,000. The published APR runs from 8.99% to 35.99%.
- Repayment over 2 to 6 years.
- Prosper charges an origination fee of 1% to 9.99%.
Closest to Prosper: Upstart, Best Egg, Avant, Kashable. Source: Prosper: Personal loans.
How to read the last column
Northlight works only with loans that carry an APR of 35.99% or less, with every fee included, and that give you at least 3 months to repay. A lender marked “Yes” publishes a range that stays under that line. “No” means the lender states a higher maximum. “Check your offer” means no single rate is published, so the APR on the offer decides: above 35.99%, the loan is outside our standard.
See rates and terms for the standard in full, and price any amount with the calculator.
Before you pick a lender
- Compare APRs, not monthly payments. The APR counts the origination fee; the payment hides it.
- Check what arrives. An origination fee is usually taken out of the loan, so you receive less than you borrow.
- Confirm the license. A lender must be licensed in the state where you live; your state’s page names the regulator.
Funding times are each lender’s own claim and depend on your bank. Northlight is not affiliated with any lender named here, is not paid by them and does not arrange their loans. Their names are trademarks of their owners.
Common questions
Which lenders keep the APR at or under 35.99%?
Upstart, BMG Money, Kashable, OneMain Financial, Avant, Best Egg and Prosper each publish an APR range whose top is 35.99%. The rate you are offered inside that range depends on your credit and your state.
Why does a lender show no APR on its website?
Because its price changes with the state and the borrower. Federal law still requires the lender to give you the APR in writing before you sign, so read it in the offer.
Does an origination fee change the APR?
Yes. The APR counts the fee, which is why two loans with the same interest rate can have different APRs. The fee is usually taken out of the money you receive.
Is Northlight affiliated with these lenders?
No. Northlight is not affiliated with any of them and is not paid by them. The figures come from each lender’s own published terms and can change.
See the payment before you apply
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