Personal Loan Apps List USA in 2024: 7 Best Personal Loan Apps

Personal Loan Apps List USA in 2024: In today’s digital age, personal loan apps have revolutionized the way Americans borrow money. These apps offer a convenient, fast, and often less cumbersome way to access funds compared to traditional banking methods. This app article explores some of the best personal loan apps available in the United States, focusing on their features, benefits, and what makes them stand out. Best Personal Loan Apps List USA is provided here on this page.

Personal Loan Apps List USA
Personal Loan Apps List USA

Personal Loan Apps List USA in 2024

Here is the complete list of Personal loan apps in the USA:

  • Chime.
  • Dave.
  • Brigit.
  • Albert.
  • EarnIn.
  • MoneyLion.
  • Possible Finance.
  • SoFi Loan App
  • Upstart Loan App
  • LendingClub Loan App

1. Personal Loan Apps USA: SoFi Loan App

SoFi is renowned for its member benefits, which include career coaching, financial planning, and community events. This app is an excellent choice for those seeking more than just a loan, providing a comprehensive support system to help borrowers manage their finances effectively.

SoFi’s Unemployment Protection program is a significant advantage, offering peace of mind to borrowers worried about job stability. Additionally, its lack of fees makes it a cost-effective option for personal loans.


  • Loan Amounts: $5,000 – $100,000
  • APR Range: 5.99% – 18.28% (with autopay)
  • Loan Terms: 2 – 7 years
  • No Fees: No origination fees, prepayment penalties, or late fees
  • Unemployment Protection: Pause your payments if you lose your job

2. Upstart Loan App

Upstart is known for its AI-driven application process, which considers factors beyond just your credit score. This app makes it a viable option for those with a limited credit history but a strong educational or employment background.

Upstart’s innovative approach to assessing creditworthiness can benefit applicants who might not qualify for loans from traditional lenders. Its quick funding process also ensures that borrowers receive their money promptly.


  • Loan Amounts: $1,000 – $50,000
  • APR Range: 5.31% – 35.99%
  • Loan Terms: 3 or 5 years
  • Quick Funding: Receive funds as soon as the next business day
  • Soft Credit Inquiry: Initial rate check won’t affect your credit score

3. LendingClub Loan App

LendingClub is ideal for debt consolidation due to its feature that allows the direct payment of creditors. It also offers the option for joint applications, which can increase the chances of approval and possibly secure a lower interest rate.

The ability to directly pay off creditors makes LendingClub a top choice for debt consolidation. The joint application option is also a unique feature that sets it apart from many other personal loan apps.


  • Loan Amounts: $1,000 – $40,000
  • APR Range: 6.34% – 35.89%
  • Loan Terms: 3 or 5 years
  • Joint Applications: Option to apply with a co-borrower
  • Debt Consolidation: Directly pay off your creditors

4. Marcus by Goldman Sachs Loan App

Marcus offers straightforward, fee-free personal loans with a unique on-time payment reward feature. This app reward encourages timely payments and provides flexibility if you need to skip a payment after a year of good payment history.

Marcus by Goldman Sachs is notable for its customer-friendly policies, especially the on-time payment reward, which adds a layer of flexibility and incentive for borrowers to maintain good payment habits.


  • Loan Amounts: $3,500 – $40,000
  • APR Range: 6.99% – 19.99% (with autopay)
  • Loan Terms: 3 – 6 years
  • No Fees: No origination fees, late fees, or prepayment penalties
  • On-time Payment Reward: After 12 consecutive on-time payments, you can defer one payment

5. Avant Loan App

Avant is geared towards borrowers with fair to good credit. It offers quick access to funds and reports to all three major credit bureaus, which can help improve your credit score over time if you make timely payments. Avant is a solid option for those with less-than-perfect credit who need funds quickly. Its credit reporting feature is beneficial for borrowers looking to build or repair their credit history.


  • Loan Amounts: $2,000 – $35,000
  • APR Range: 9.95% – 35.99%
  • Loan Terms: 2 – 5 years
  • Fast Funding: Funds as soon as the next business day
  • Credit Building: Reports to all three major credit bureaus

6. Earnin Loan App

Earnin allows you to access your earned wages before payday without any mandatory fees or credit checks. This app can be a lifesaver for those needing immediate funds without the burden of traditional loan terms.

Earnin’s unique model, which relies on optional tips instead of fees, and its ability to provide immediate access to earned wages make it a standout choice for those in need of quick cash without additional costs.


  • No Fees: No mandatory fees; optional tips
  • Cash Out: Access up to $100 per day and $500 per pay period
  • Balance Shield: Avoid overdraft fees with alerts and automatic cash-outs
  • No Credit Check: Do not check your credit score

7. MoneyLion Loan App

MoneyLion offers a comprehensive suite of financial tools alongside personal loans, making it a one-stop shop for financial management. Its credit builder loans and cash advances are particularly useful for those looking to improve their financial health.

MoneyLion’s combination of personal loans, credit-building opportunities, and additional financial tools make it a versatile option for borrowers looking to manage and improve their finances holistically.


  • Loan Amounts: $500 – $1,000
  • APR Range: 5.99% – 29.99%
  • Credit Builder Loans: Small loans to help improve credit score
  • Financial Tools: Access to banking, investing, and budgeting tools
  • Cash Advances: Up to $250 with no interest or credit check

8. Prosper Loan App

Prosper’s peer-to-peer lending model connects borrowers with individual investors, potentially increasing the chances of approval and securing competitive rates. The joint application option can also enhance approval odds and interest rates.

The peer-to-peer lending model is a unique aspect of Prosper, offering a different avenue for securing funds compared to traditional lenders. The flexibility of joint applications also provides an advantage for many borrowers.


  • Loan Amounts: $2,000 – $40,000
  • APR Range: 6.95% – 35.99%
  • Loan Terms: 3 or 5 years
  • Peer-to-Peer Lending: Funded by individual investors
  • Joint Applications: Option to apply with a co-borrower

9. Figure Loan App

Figure leverages blockchain technology to streamline the loan application process, making it fast and efficient. It offers competitive rates and quick approval times, appealing to tech-savvy borrowers. Figure’s use of blockchain technology sets it apart from other lenders, offering a seamless and fast application process. This app can be particularly attractive to those looking for a modern, efficient borrowing experience.


  • Loan Amounts: $5,000 – $50,000
  • APR Range: 5.75% – 22.94% (with autopay)
  • Loan Terms: 3 or 5 years
  • Quick Approval: Pre-qualification in minutes
  • Blockchain Technology: Streamlined application process

10. Upgrade Loan App

Upgrade offers competitive rates with discounts for autopay and debt consolidation. Its free credit monitoring service is a valuable addition, helping borrowers stay on top of their credit health. The rate discounts for autopay and direct payment to creditors make Upgrade an appealing option for those looking to save on interest. The added benefit of free credit monitoring is a significant perk for borrowers.


  • Loan Amounts: $1,000 – $50,000
  • APR Range: 5.94% – 35.97%
  • Loan Terms: 3 or 5 years
  • Rate Discounts: Discounts for autopay and direct payment to creditors
  • Free Credit Monitoring: Access to free credit score and credit monitoring


Choosing the right personal loan app can make a significant difference in managing your finances effectively. Each of the apps listed above offers unique features and benefits tailored to different needs and financial situations. Whether you’re looking for a loan with no fees, quick funding, credit-building opportunities, or comprehensive financial tools, there’s an app to suit your requirements.

Before deciding, This app crucial to consider factors such as APR ranges, loan terms, fees, and additional benefits. By doing so, you can select the best personal loan app that aligns with your financial goals and provides the support you need to achieve them.

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