topic Re: Best Web and P2P loan company in General Credit Topics

Best Web and P2P loan company

Anonymous — Mon, 09 Nov 2015 20:16:10 GMT

hi,

i would like like to get a personal loan to do some house upgrades and combine my cc debt of 10,000 under 1 loan. I am requesting 25000. My TU and EQ is in the 720 - 730 range. EX which hates me for some reason, is in the upper 600's but never broke 700. Other than my mortgage, this will be my only debt and a student loan. Which company does not use EX so I can get the best rate? I tried Sofi and they gave me a rate of 9.9% I don't want to waste my time and hard inquiries on my credit report if they use EX since I'm sure the APR will be higher.

Thanks,

Mike

Re: Best Web and P2P loan company

Anonymous — Tue, 10 Nov 2015 20:22:32 GMT

A rate of 9.9% is pretty good for an unsecured loan with your credit scores. Others you can check without a hard pull are Payoff.com, Prosper.com, LendingClub.com, Avant.com, Upstart.com, BestEgg.com, and PromiseFinancial.com.

Notes:

Avant tends to have very high interest rates even for high Fico scores.

BestEgg will spam the crap out of you, both by eMail and by telephone.

Stay away from Lending Tree. They are not the same as Lending Club, and all they do is farm out your app to multiple lenders who will hard pull you.

Re: Best Web and P2P loan company

Anonymous — Thu, 12 Nov 2015 05:50:30 GMT

Thanks CAPTOOL

I'm thinking I'll go with Sofi since they are offering the best rate and more flexible rent payments.

anyone has any experience with Sofi?

Thanks,

Mike