Bank Compass
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Loans & financing · 2026

Fuel your next big move.

For anyone who needs cash now or wants to consolidate what they already owe. Compare personal loans, auto financing, and smart cash advances to find the lowest APRs.

Education & Resources: how debt consolidation actually works

6 of the 7 lenders here publish a rate we could read at the source. Every card shows the origination fee next to it — that is the part that turns a good rate into an expensive loan.

Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.

7 lenders, with the fees in plain sight

Sorted so the lenders that publish a rate come first. Nothing is ordered by what it pays us, because none of them pay us anything.

7 of 7 lenders · sorted so the ones publishing a rate come first

SoFi logo
Personal loansSame-day funding

SoFi

SoFi Bank, N.A.

3.5

APR range

6.99% – 35.49%

Range already assumes the autopay and member discounts are applied — without them you pay more.

Rates, fees & the fine print

Loan amounts

$5K – $100K

Repayment terms

24 to 84 months

Funding time

Same day, if approved and signed by 5:30 PM ET on a business day

Where the cost hides

Origination fee
0% – 7%, deducted from the money you receive
Prepayment penalty
None
  • Money can land the same day
  • Pay it off early with no penalty
  • Tops out at 35.49% if your credit is thin
Check My RateSee the terms

Most lenders here pre-qualify with a soft check — confirm it before you apply

Terms verified 2026-08-04 · source

LightStream logo
Personal loansAuto financing

LightStream

LightStream, a division of Truist Bank

3.8

APR range

7.24% – 25.39%

The low end is not the usual outcome: LightStream reports that 29.46% of approved applicants who asked for its lowest rate actually got it (Jan–Mar 2026). Rates without AutoPay are 0.50 points higher, and the 7.24% figure is its own payment example, not a floor.

Rates, fees & the fine print

Loan amounts

Not verified yet

Repayment terms

24 to 240 months (up to 20 years)

Funding time

As soon as today, if approved and completed by 2:30 PM ET on a banking day

Where the cost hides

Origination fee
Not verified yet
Prepayment penalty
No early payoff penalties
  • Money can land the same day
  • Rate caps at 25.39%, below most of this lineup
  • Does not publish its origination fee
Check My RateRead Review

Most lenders here pre-qualify with a soft check — confirm it before you apply

Terms verified 2026-08-04 · source

Personal loans

Upstart

Upstart Network, Inc.

3.5

APR range

6.20% – 35.99%

Upstart weighs education and employment history alongside credit, so its rate for you may land differently than a score alone would predict.

Rates, fees & the fine print

Loan amounts

$1K – $75K

Repayment terms

36 to 60 months

Funding time

As fast as 1 business day, if accepted before 5 PM ET

Where the cost hides

Origination fee
7.25% in its representative example (not a published range)
Prepayment penalty
None — prepay at any time with no fee
  • Pay it off early with no penalty
  • Borrows up to $75K
  • Tops out at 35.99% if your credit is thin
Check My RateSee the terms

Most lenders here pre-qualify with a soft check — confirm it before you apply

Terms verified 2026-08-04 · source

LendingClub logo
Personal loans

LendingClub

LendingClub Bank, N.A.

3.5

APR range

5.96% – 35.96%

Its own example shows what the origination fee does: $15,262 at 13.99% interest over 36 months, plus a 6% fee ($916), works out to 18.40% APR — the interest rate and the APR are not the same number.

Rates, fees & the fine print

Loan amounts

$1K – $75K

Repayment terms

24 to 84 months

Funding time

As little as 24 hours — 64% of approved loans were disbursed within a day between January and March 2026

Where the cost hides

Origination fee
0.00% – 8.00% of the loan amount
Prepayment penalty
Not verified yet
  • Borrows up to $75K
  • Tops out at 35.96% if your credit is thin
Check My RateSee the terms

Most lenders here pre-qualify with a soft check — confirm it before you apply

Terms verified 2026-08-04 · source

Discover logo
Personal loansNo origination fee

Discover

Discover Bank

3.8

APR range

6.99% – 24.99%

The only maximum in this lineup under 25%, which matters more than the minimum: the top of the range is where most applicants actually land.

Rates, fees & the fine print

Loan amounts

$2.5K – $40K

Repayment terms

36 to 84 months

Funding time

As early as the next business day after acceptance

Where the cost hides

Origination fee
$0 — "No Fees. Period."
Prepayment penalty
None

$25K minimum annual income

  • No origination fee at all
  • Rate caps at 24.99%, below most of this lineup
  • Needs at least $25K a year in income
Check My RateSee the terms

Most lenders here pre-qualify with a soft check — confirm it before you apply

Terms verified 2026-08-04 · source

Dave logo
Cash advanceSame-day funding

Dave

Dave Inc.

Not rated yet

Advance up to

$500

Rates, fees & the fine print

Loan amounts

Up to $500

Repayment terms

Not verified yet

Funding time

Up to $500 in "5 minutes or less"

Where the cost hides

Origination fee
Not verified yet
Prepayment penalty
Not verified yet

No credit check, no interest and no late fees on the advance — but no interest is not the same as free. Subscription fees, instant-transfer charges and suggested tips are how this product makes money, and none of them are published here.

  • Money can land the same day
  • Does not publish its origination fee
Check My RateSee the terms

Most lenders here pre-qualify with a soft check — confirm it before you apply

Terms verified 2026-08-04 · source

Capital One Auto Navigator logo
Auto financing

Capital One Auto Navigator

Capital One, N.A.

Not rated yet

APR range

Not verified yet

Rates, fees & the fine print

Loan amounts

Not verified yet

Repayment terms

Not verified yet

Funding time

Not verified yet

Where the cost hides

Origination fee
Not verified yet
Prepayment penalty
Not verified yet
  • States that checking your rate does not touch your score
  • Publishes no APR or amount we could read
Check My RateRead Review

Won't affect your credit score

Terms verified 2026-08-04 · source

What would the monthly payment be?

An advertised APR range only becomes a decision once it is a monthly payment. Three numbers, and the full calculator opens with them in — fees included.

Calculate my payment

Opens Personal Loan Calculator on financeinyourpocket.com with your numbers already filled in. Free, no sign-up.

The rate above is a placeholder, not an offer: personal loan APRs run from single digits to the high thirties depending on your credit profile, and the advertised floor is not what most applicants get. Use the top of a lender's published range to see whether the payment still works.

Also worth running

Free and no sign-up, on financeinyourpocket.com — our sister site.

Related reading

What decides the rate you are offered, whether shopping around costs you points, and how to clear the balance once it is there.

Before you take out a loan

We are an independent comparison platform. Rates and terms are subject to change and depend on your credit profile. Checking your rate will not impact your credit score, but a hard pull may occur upon full application. We only print the exact "won't affect your score" wording under a lender that publishes it itself — for the rest, confirm whether pre-qualification is a soft check before you start.

Bank Compass is not a lender, a broker, or a credit repair organisation, and nothing here is an offer of credit or personalized financial advice. Advertised APR ranges start at a floor that most applicants do not receive; the figure that matters for your budget is the top of the range plus the origination fee, which is deducted before the money reaches you. A cash advance with no interest is still not free — subscription fees, instant-transfer charges and suggested tips are how those products earn.

"Check My Rate" takes you to the lender's official site. We earn no commission and sell no leads on those links. How we rank and verify everything.