Updated October 2026 · 7 compared
7 personal lenders compared across 12 head-to-heads.
Every matchup is scored round by round on what matters most: how much you can borrow, the smallest loan, what customers say on trustpilot, how many trustpilot reviews.
Ranked by overall score
Pick Upstart if you want Upstart's edge on the smallest loan and what customers say on trustpilot.
Pick SoFi if you want SoFi's edge on how much you can borrow and the highest origination fee.
Pick Happen Bank if you want Happen Bank's edge on the highest origination fee.
Pick Best Egg if you have a reason to pick Best Egg that is not on this list.
Pick LightStream if you have a reason to pick LightStream that is not on this list.
Pick Prosper if you want Prosper's edge on how much you can borrow.
Pick Avant if you have a reason to pick Avant that is not on this list.
Sort any column, tick products to go head-to-head · hover the edges or drag to see more
| 1UpstartScore 7.3 | $75,000 | $1,000 | 4.9 out of 5 | 73,139 reviews | No minimum | 12% | Next business day | 4–0–2 | 100 % | 69 % | |
| 2SoFiScore 6.9 | $100,000 | $5,000 | 4.3 out of 5 | 13,970 reviews | — | 0%-7% | Same day possible | 1–0–1 | 100 % | 42 % | |
| 3Happen BankScore 6.7 | Not stated | Not stated | 4.7 out of 5 | 14,904 reviews | Not stated | 8% | — | 2–1 | 67 % | 50 % | |
| 4Best EggScore 6.3 | $50,000 | $2,000 | 4.7 out of 5 | 13,183 reviews | 640 | — | Within 24 hours | 1–1–1 | 50 % | 33 % | |
| 5LightStreamScore 6.2 | $100,000 | $5,000 | 1.5 out of 5 | 119 reviews | Good-to-excellent credit | No origination fee | Same day possible | 0–4–1 | 0 % | 30 % | |
| 6ProsperScore 6.1 | $50,000 | $2,000 | 4.5 out of 5 | 14,729 reviews | 600 | 9.99% | — | 1–2 | 33 % | 33 % | |
| 7AvantScore 6.0 | $35,000 | $2,000 | 4.2 out of 5 | 32,238 reviews | 580 | — | Next business day | 0–1–1 | 0 % | 17 % |
12 round-by-round comparisons — here are the top-ranked match-ups
vsSoFi vs Upstart→vsHappen Bank vs Upstart→vsUpstart vs Best Egg→vsUpstart vs LightStream→vsUpstart vs Prosper→vsSoFi vs LightStream→vsHappen Bank vs LightStream→vsUpstart vs Avant→vsHappen Bank vs Prosper→How these are scored: our ranking method. We may earn a commission from links on this page — disclosure.