Choosing the right credit card, checking your credit score, and finding a loan shouldn’t be overwhelming. Crediverso makes the process of comparing credit cards, credit checks and loans easier for you to choose what best fits your lifestyle. We provide you with all the information you need to make smart financial decisions.
Find the right loan hassle free.
Select a loan that gives you what you need when you need it.
What is a
loan?
How do I apply for a loan?
How do I check loan offers?
What is a loan?
A loan is an amount of money that a bank lends you for a certain amount of time. Once that time is up, you pay back the amount of money in full, plus interest. There are many types of loans for different things, and they all have different terms and conditions. Sometimes, you will pay an amount of money each month; other times you will pay all the money back at the end. There are auto loans, business loans, home loans (called mortgages), and student loans. Generally, loans are useful for people who need a lot of money and want a lower interest rate than a credit card.
How do I apply for a loan?
You should start by looking at the Crediverso marketplace to find which loan is right for you. Once you’ve narrowed down which type of loan you want to apply, you can submit an application with brief information about your financial situation (including income and employment status) to a lender. The lender will then send you a pre-approval letter that asks for proof of your financial situation. The final step in the process is to send the required documents, which will be reviewed by the lender to determine your eligibility for the loan.
How do I check loan offers?
Before applying for a loan, you can also check which loans you are likely to be granted approval. By going to lenders’ website and filling out a short form for “prequalification,” which generally requires your name, address, income, and the amount you want to borrow, you will receive a list of offers if the lender has decided that you meet its prequalification criteria. You can get a response within seconds or days depending on the lender.
Select a loan that gives you what you need when you need it.
Crediverso is here to help you with all your financial decisions.
Upstart
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Upstart offers Latino-friendly personal loans. Its platform is available in both English and Spanish and accepts customers with no credit score.
- The first lending platform that provides services in both English and Spanish.
- Great for borrowers with little to no credit history – no credit score required!
- Get funded in as fast as one day.
ESTIMATED APR
6.45% - 35.99%
ESTIMATED MONTHLY PAYMENT*
$70
LOAN AMOUNT
$1,000 - $50,000
FEES
0% - 8%
LOAN TERM
3 or 5 years
MINIMUM CREDIT SCORE
620 (not required)
AVANT
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A good place to look for personal loans for bad credit.
- Good for people with low credit scores: the minimum is 580.
- APR above average and origination fees 4.75%. Money from your loan can’t be paid directly to creditors if you are consolidating debt.
- A good option for customers with low credit scores. If you have a better score though, you might be able to find a better APR.
ESTIMATED APR
Lender’s average: 22.97% Range: 9.95% - 35.99%
ESTIMATED MONTHLY PAYMENT*
$96.74
LOAN AMOUNT
$2,000 - $35,000
FEES
4.75% origination fee; $25 late fee; $15 unsuccessful-payment fee
LOAN TERM
2 - 5 years
MINIMUM CREDIT SCORE
580
Best Egg
\r\nA loan from Best Egg is a good idea if you\u2019re making good money and need a quick loan.<\/li>\r\n","estapr":"Lender\u2019s average: XX Range: 5.9% - 29.99%","estmonthpay":"$90.32","amount":"$2,000 - $35,000","fee":"0.99% - 5% origination fee; $15 late fee","term":"3 - 5 years","mincredscore":"640","subtitle_es":"\u00bfTienes buen cr\u00e9dito? Best Egg podr\u00eda ser una buena elecci\u00f3n para usted.","features_es":" Bueno para personas con puntaje crediticio por encima de 640. Tiene un APR promedio de 17.95%, que se encuentra por debajo de los competidores, y el dinero es desembolsado m\u00e1s r\u00e1pido que la competencia.<\/li>\r\n No puede obtener un APR bajo de Best Egg a menos que tenga un ingreso anual de al menos $100,000<\/li>\r\n Un pr\u00e9stamo de Best Egg es una buena opci\u00f3n si tiene buenos ingresos y necesita acceder a un pr\u00e9stamo r\u00e1pidamente.<\/li>\r\n","estapr_es":"Promedio del prestamista: Rango: 5.9% - 29.99%","estmonthpay_es":"$90.32","amount_es":"$2,000 - $35,000","fee_es":"0.99% - 5% tasa de originaci\u00f3n $15 cargo por retraso","term_es":"3-5 A\u00f1os","mincredscore_es":"640","order_by":"0"}, this)' /> Check to compare
Do you have good credit? Best Egg might be a good pick for you.
- Good for people with credit scores above 640. The average APR is 17.95%, which is below many competitors, and money is disbursed faster than competitors.
- You can\'t get a low APR from Best Egg unless your annual income is at least $100,000.
- A loan from Best Egg is a good idea if you’re making good money and need a quick loan.
ESTIMATED APR
Lender’s average: XX Range: 5.9% - 29.99%
ESTIMATED MONTHLY PAYMENT*
$90.32
LOAN AMOUNT
$2,000 - $35,000
FEES
0.99% - 5% origination fee; $15 late fee
LOAN TERM
3 - 5 years
MINIMUM CREDIT SCORE
640
Discover
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This loan has great terms, but you need a good credit score and a Social Security number.
- Good for people with credit scores above 660. APR range of 6.99% - 24.99% plus no origination fee.
- Not everyone can qualify for this loan because it requires a Social Security Number and a credit score of 660.
- If you have a credit score of 660 or higher and a Social Security Number, a loan from Discover is a great option.
ESTIMATED APR
Lender’s average: 15.99% Range: 6.99% - 24.99%
ESTIMATED MONTHLY PAYMENT*
$87.88
LOAN AMOUNT
$2,500 - $35,000
FEES
No origination fee; $39 late fee
LOAN TERM
3 – 7 years
MINIMUM CREDIT SCORE
660
LightStream
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This loan has a super low APR, but you need a good credit score.
- Lightstream is a winner when it comes to the APR for a personal loan (less than 20.5%)! You can qualify for a loan amount up to $100,000
- Unless you have a good or great credit score, a LightStream loan might be out of the question. And you’ll need to have a credit history covering several years.
- If you’ve had a credit history in the US for a few years, a loan from Lightstream is a good choice for a personal loan.
ESTIMATED APR
Lender’s average: 12.99% Range: 5.49% - 20.49%
ESTIMATED MONTHLY PAYMENT*
$84.22
LOAN AMOUNT
$5,000-$100,000
FEES
None
LOAN TERM
2 - 7 years
MINIMUM CREDIT SCORE
660
Upgrade
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This personal loan doesn’t require a high credit score, but you pay for it with high fees.
- This personal loan is easy to get even if you have a low credit score.
- One of the biggest benefits of an Upgrade personal loan is that you can use a co-signer or a “joint” borrower. This means you might be able to obtain an APR as low as 7.99% if you don’t have good or great credit but your co-signer or “joint” borrower does.
- Upgrade has a minimum credit score of 600 can ease the pain of getting a personal loan, the APR and the origination fee are high.
ESTIMATED APR
7.99% - 35.97%
ESTIMATED MONTHLY PAYMENT*
$95.45
LOAN AMOUNT
$1,000 - $35,000
FEES
2.9% - 8% origination fee; late fee up to $10 with 15-day grace period
LOAN TERM
3 - 5 years
MINIMUM CREDIT SCORE
600
OneMain Financial
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Finally, a personal loan with no minimum credit score. But watch out for the APR’s!
- OneMain Financial has no minimum credit score, so if you have poor or bad credit it’s the ideal option. You can get a quick decision on your application and get your money the same day.
- High APR range of 18% - 35.99% and there is an origination fee, which can be as much as 5%. You will need to visit an office to finish the application process.
- This loan gets you money quickly without a lot of paperwork, but it gets expensive quickly.
ESTIMATED APR
Lender’s average: 27% Range: 18% - 35.99%
ESTIMATED MONTHLY PAYMENT*
$102.06
LOAN AMOUNT
$1,500 - $20,000
FEES
Origination fee ($30 to $150 or 1% - 5%)
LOAN TERM
2 - 5 years
MINIMUM CREDIT SCORE
None
SoFi
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Good credit? This is a great personal loan for you.
- One of the cheapest personal loans out there.
- Personal loans from SoFi include no fees as well as a low APR range compared with other lenders.
- You’ll need a credit score of at least 680 to be approved, along with a minimum annual income of $45,000.
ESTIMATED APR
5.99% - 21.20%
ESTIMATED MONTHLY PAYMENT*
$84.96
LOAN AMOUNT
$5,000 - $100,000
FEES
None
LOAN TERM
2 - 7 years
MINIMUM CREDIT SCORE
680
Prosper
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Looking for personal loans for bad credit? This should definitely be on your list.
- A loan from Prosper can come with a low APR, and if you get a co-signer, the APR can be even lower.
- The fees might make it less attractive, as Prosper charges a loan origination fee of up to 5%, along with a late fee and an insufficient funds fee.
- You can’t qualify for a Prosper loan if you filed for bankruptcy in the past 12 months and if at least five inquiries appeared on your credit reports in the previous six months.
ESTIMATED APR
7.95% - 35.99%
ESTIMATED MONTHLY PAYMENT*
$95.44
LOAN AMOUNT
$2,000 - $40,000
FEES
2.4% - 5% origination fee; late fee of $15 or 5% of unpaid amount; $15 insufficient funds fee
LOAN TERM
3 - 5 years
MINIMUM CREDIT SCORE
640
Payoff
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Trying to get rid of credit card debt? You might not have thought of using a loan like this.
- A good way to consolidate credit card debt.
- The fees might make it less attractive, as Payoff charges a loan origination fee of up to 5%.
- If you have a credit score of at least 640, this could be a convenient loan.
ESTIMATED APR
Lender’s average: 15.49% Range: 5.99% - 24.99%
ESTIMATED MONTHLY PAYMENT*
$87.26
LOAN AMOUNT
$5,000 - $35,000
FEES
Origination fee up to 5%
LOAN TERM
2 - 5 years
MINIMUM CREDIT SCORE
640
Rocket Loans
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Tired of looking for bad credit loans? This loan might be just what you need.
- If you have less-than-ideal credit, Rocket Loans might be one of your best alternatives for a personal loan. That’s because the minimum required credit score is 580.
- Rocket Loans charges an origination fee of up to 6% (most lenders cap their origination fees at 5%) and a $15 late fee after a 10-day grace period.
- You’ll need to have a credit history of at least two years.
ESTIMATED APR
7.15% - 29.99%
ESTIMATED MONTHLY PAYMENT*
$91.10
LOAN AMOUNT
$2,000 - $45,000
FEES
1% - 6% origination fee; $15 late fee after 10-day grace period; $15 unsuccessful payment fee
LOAN TERM
3 - 5 years
MINIMUM CREDIT SCORE
580
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