Any other p2p like Prosper and lending club?

CreditGuy03 · ‎01-21-2015

Are there any others like these?

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019

longtermgardener · ‎01-23-2015

There is avantcredit. However the rates are much higher. I recently got $8500 loan from Prosper at 6.23% APR with 740 score. However Avantcredit's rates are much higher at 35% APR.

Wallet : AMEX Costco TE 23k, BoFA 123 Visa Signature $12.5k, Marriott rewards $5k, Discover IT $1.7k, Walmart Discover $5.5k, Cap 1 Platinum $1500, Amazon $2000

Scores: EQ 712(9/28/13), EX 728 (9/28/13), TU 717 (Credit Karma 10/26/13), TU 753 Walmart (9/03/13)
Last app : 9/28/2013

Anonymous · ‎01-23-2015

Those lending club like Prosper and Avantcredit doesn't offer great rates for loan. I do advised to check out your local credit union or sometimes your main bank where you build relations. Those tends to give you a much better APR on loans. I had to consolidate my credit card debt through my credit union and they gave me a rate of 4.99%.

ccb2115 · ‎01-31-2015

If you're in your 20's, I'd recommend Upstart. I'm actually not sure if there is an age/year of graduation cap. Basically, they provide loans to people out of college who probably don't have much of a credit score, so they also base loan decisions on other factors such as occupation/salary, college/GPA/SAT scores. I was a little skeptical at first, but I was approved for a 11,000 loan and recieved the funds the next morning. I think Upstart is Avant, so if you don't qualify for Upstart, they direct you to Avant.

Scores: EX: 793 EQ: 804 TU: 801

slickshoes182 · ‎02-02-2015

SoFi ( https://www.sofi.com/ ) is another interesting one. They offer personal loans, MBA loans, mortgages, and mortgage refinancing.

However, I've heard complaints in the past like making hard pulls on the "Find my rate" feature although they claim in various places that they only do soft pulls. Be sure to check out reviews about them first.

Anonymous · ‎08-02-2015

I just had a very good experience with Upstart, after being declined by Earnest and Prosper; they quoted me 15% for $20k at 24 months, then when I didn't accept within a week, I checked again and they re-pulled (soft TU) and re-quoted it at 8.5%, so I applied for it then. After providing tax returns and some business info (I am self-employed,) they approved the loan at a lower rate of 8.1%. Only then was there a hard inquiry on TU. Also, beware of Earnest, they hard pulled EX before declining me.