Better for joint loans
SoFi
SoFi
Learn more
in our Bankrate review
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Online lender SoFi’s personal loans are highly rated. This online lender offers joint applications, optional fees and a wide range of loan amounts — up to $100,000 with a starting APR of 8.74 percent. Unlike LightStream, SoFi offers prequalification, so you can check your rate without harming your credit score before you submit a full application.
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Pros
- High loan maximum.
- Option to add co-borrowers.
- Optional fees.
Cons
- Unspecific credit requirements.
- Steep minimum loan amount.
- Opting out of origination fee may mean a higher APR.
