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Enable Loans Lender Comparison: 22 Personal Loan Lenders
Last updated:People comparing enable loans offers often want to see who else lends $500 to $5,000. Here are 22 smaller and online lenders, with their published amounts, APRs, terms and fees.
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How we compared 22 lenders for enable loans shoppers
We compared 22 smaller and online US lenders whose personal loans can fall somewhere in the $500 to $5,000 range, using only figures each lender or an independent review publishes. The largest national banks were left out on purpose.
People searching for enable loans often want to know who else lends in this space before they send a request. For each lender we recorded the loan amount range, APR range, repayment terms, origination fee, a minimum credit score where one is published, and the lender's own claim about funding speed. Where a lender does not publish a figure, the entry says “Check the lender's site” instead of a guess. We did not estimate, average or fill in missing numbers.
Being on this list does not mean a lender belongs to our network or will ever see an enable loans request. These are independent companies, and their terms, approvals and funding times are set by them alone. The request form on the enable loans website is a separate, free service that shares your details with lenders and lending partners who may offer a personal loan of $500 to $5,000.
- Amount fit: the lender's published range overlaps $500 to $5,000, even if only at the upper end.
- Published pricing: an APR range, a maximum APR or at least a sample APR appears on the lender's site or in an independent review.
- Smaller or online focus: online lenders, a credit union and consumer-finance companies with branches, not the biggest national banks.
- Mix of credit profiles: lenders that serve strong credit, fair credit and thin or damaged credit, so most readers can find a realistic match.
The order is not a ranking or a recommendation. Lenders are grouped by how they price and where they operate, starting with the lowest published APR floors and ending with high-cost lenders that belong at the very bottom of your list. Within each group, read the write-up as well as the numbers, because state rules, fees and term limits often matter more than the headline APR. If you plan to send an enable loans application as well, use this page as a benchmark for whatever offers come back.
What each number in a personal loan listing means
APR is the yearly cost of a personal loan including interest and most required fees, so it is the best single figure for comparing lenders. Amount range, term length, origination fee and funding speed fill in the rest of the picture.
| Field | What it tells you | What to watch for |
|---|---|---|
| Loan amounts | The smallest and largest personal loan the lender advertises | State minimums are often higher than the national minimum |
| APR | The advertised range of annual cost, interest plus most fees | The floor goes to the strongest applicants; many people land mid-range or higher |
| Terms | How many months you can take to repay | A long minimum term adds interest on a small balance |
| Origination fee | A one-time charge, usually a percentage of the loan | Often deducted from the deposit, so you receive less than you borrow |
| Funding | The lender's own claim about when money can arrive | Speed applies after approval and verification, and your bank adds time |
| Minimum credit score | A published score floor, when the lender shares one | Most lenders on this list publish no floor at all |
A worked example shows why APR matters more than the interest rate alone. Using the representative example on the APR ranges explained page, $2,000 over 12 months at 21.49% APR comes to about $186.70 a month, roughly $2,240.40 in total and about $240.40 in interest. These are estimates, not an offer, and the same math applies to enable loans offers. The same $2,000 at 35.99% APR works out to roughly $201 a month and about $2,411 in total, and at 99.99% APR the payment is closer to $270 a month, or around $3,240 in total.
Origination fees change the math again. An 8% fee on a $2,000 personal loan is $160, so a lender that deducts it deposits about $1,840 while you repay the full $2,000 plus interest. If you need exactly $2,000 in hand, you may have to borrow more, whether the offer comes from a lender below or follows an enable loans request. Our personal loan calculator lets you test different APRs and terms, and the lending glossary on the enable loans website defines terms like amount financed and finance charge.
Funding claims are the lender's words, not a promise. Phrases like “as soon as the next business day” usually mean after you are approved, have signed and have cleared any document checks. A late-afternoon approval, a weekend or a bank hold can push the deposit back a day or more. The same caution applies to any lender that responds to an enable loans application.
Lender terms change often, so verify on the lender's site
Every figure below is a snapshot of what each lender or an independent review published when we checked. Lenders adjust APR ranges, fees and state availability regularly, so confirm current terms directly with the lender before you apply.
Personal loan ranges move for ordinary business reasons. A lender's own borrowing costs rise and fall, partner banks change, state laws are amended, and companies rebrand; LendingClub now operates as Happen Bank, for example. Advertised ranges also describe the whole lender, not you. Your actual offer depends on your credit, income, existing debt, state and the term you choose, and it can land anywhere inside the range or be declined. We review these figures periodically on the enable loans website, but the lender's own page is always the final word.
Open the lender's rates and terms page for your state
Many lenders set different minimums, fees and maximum APRs by state. The national range may not apply where you live.
Prequalify with a soft inquiry
Most lenders on this list, like the enable loans application, let you check an estimated rate without a hard pull. A hard inquiry usually happens only when you accept or finalize.
Read the Truth in Lending disclosure
Before you sign a personal loan, the lender must show the APR, finance charge, amount financed and total of payments. Our guide on how to read a Truth in Lending disclosure walks through each box.
Compare total cost, not just the payment
A lower monthly payment on a longer term can cost more overall. Line up the total of payments from each offer side by side.
The same rule applies to enable loans offers. Any offer that follows an enable loans application comes from the lender who makes it, with that lender's own disclosure, and you are free to compare it with any lender on this page or to decline it.
All 22 personal loan lenders at a glance
The summary table lists all 22 lenders in the same order as the detailed write-ups below, with each lender's published loan amounts, APR range and repayment terms. Every figure is an estimate and can differ by state.
| Lender | Loan amounts | APR range | Terms |
|---|---|---|---|
| PenFed Credit Union | $600–$50,000 | About 6.09%–17.99% | Up to 60 months |
| Happen Bank (formerly LendingClub) | $1,000–$75,000 | 5.96%–35.99% | 24–84 months |
| Upstart | $1,000–$75,000 | 6.3%–35.99% | 36 or 60 months |
| Best Egg | $2,000–$50,000 | 6.99%–35.99% | 36–60 months |
| Prosper | $2,000–$50,000 | 8.99%–35.99% | 2–6 years |
| Upgrade | $1,000–$50,000 | 7.74%–35.99% | 24–84 months |
| Avant | $2,000–$35,000 | 9.95%–35.99% | 24–60 months |
| LendingPoint | $1,000–$36,500 | 7.99%–35.99% | 24–72 months |
| Universal Credit | $1,000–$50,000 | About 11.69%–35.99% | 2–5 years |
| OneMain Financial | $1,500–$35,000 | 11.99%–35.99% | 24–60 months |
| Mariner Finance | $1,000–$25,000 | 15.99%–35.99% | 12–72 months |
| Oportun | $300–$10,000 unsecured | Check the lender's site | Check the lender's site |
| Regional Finance | $600–$45,000 | Check the lender's site | Check the lender's site |
| Republic Finance | Check the lender's site | Check the lender's site | 12–60 months |
| Lendmark Financial Services | $2,000 or $3,000 minimum; up to $8,000 unsecured | Up to 35.99% | 12–72 months |
| Heights Finance | From $500 | Check the lender's site | Check the lender's site |
| 1st Franklin Financial | $3,500–$15,000 | Up to 35.99% | 15–60 months |
| Tower Loan | Check the lender's site | Check the lender's site | 12–36 months |
| World Finance | About $450–$10,000 | Varies by state | Varies by state |
| NetCredit | $1,000–$10,000 | 34.99%–99.99% | 6–60 months |
| OppLoans | $500–$5,000 | Up to 195% | About 9–24 months |
| RISE | $500–$5,000 | Check the lender's site | About 7–36 months |
Two patterns stand out. First, most mainstream lenders cap APR at 35.99%, while the last four on the list publish ceilings far above that. Second, only a handful start below $1,000, so a $500 personal loan narrows the field quickly. Enable loans reviews from borrowers often mention small amounts for exactly this reason. Entries marked “Check the lender's site” mean the lender does not publish that figure in a general form, usually because it varies by state. When you compare enable loans offers against this table, note which columns your offer beats; you can return to the table on the enable loans website whenever a new offer arrives.
Lenders with the lowest published APR floors
PenFed Credit Union, Happen Bank, Upstart, Best Egg and Prosper publish some of the lowest starting APRs on this list, but those floors go to applicants with strong credit, steady income and low existing debt.
PenFed Credit Union
- Loan amounts
- $600–$50,000
- APR
- About 6.09%–17.99% (independent review figure, includes autopay discount)
- Terms
- Up to 60 months
- Origination fee
- None
- Funding
- As soon as the next day after the loan is finalized
PenFed is a useful low-cost benchmark when comparing enable loans offers, and it suits borrowers with good to excellent credit who want a low APR ceiling and no origination fee. Its APRs top out far below the 35.99% common elsewhere on this list, and there is no fee for paying the personal loan off early. The $600 minimum also makes it one of the few low-cost personal loans for a small need. The trade-offs: you must become a member, which independent reviews say anyone in any state can do by opening an account with a $5 deposit, and the lowest rate requires excellent credit plus autopay, which trims 0.25 percentage point. PenFed publishes no minimum credit score, but a low APR ceiling usually means fewer approvals for fair or damaged credit. Checking your rate uses a soft pull, and a hard pull follows only after you accept. Every PenFed personal loan carries a minimum monthly payment of $50.
Happen Bank (formerly LendingClub)
- Loan amounts
- $1,000–$75,000
- APR
- 5.96%–35.99%
- Terms
- 24–84 months
- Origination fee
- 0%–8% of the loan amount
- Funding
- As little as 24 hours after approval
Happen Bank is the name LendingClub now uses, so people searching for enable loans alternatives may still see the LendingClub brand in older articles. It accepts applications from all 50 states and Washington, D.C., and its APR floor of 5.96% is the lowest on this page, although that rate is reserved for excellent credit, a low debt-to-income ratio and a favorable amount and term. The origination fee runs from 0% to 8%, and the lender's own example shows the fee reducing the amount deposited. Happen reports that roughly two-thirds of approved personal loans funded on a business day were sent within 24 hours in a recent quarter. Drawbacks for small borrowers: the shortest term is 24 months, which adds interest on a $1,000 or $1,500 personal loan, and proceeds cannot pay for college or investments. Checking your personal loan rate is a soft pull.
Upstart
- Loan amounts
- $1,000–$75,000 (higher minimums in some states)
- APR
- 6.3%–35.99%
- Terms
- 3 or 5 years
- Origination fee
- Varies; the lender's example shows 8.15%. Check the lender's site
- Funding
- As fast as 24 hours after signing
Upstart suits applicants whose credit history is short but whose income and job picture look solid, because it says approval weighs your overall financial profile rather than the score alone. Upstart itself is not the lender; partner banks and credit unions make the personal loans. Checking your rate is a soft inquiry, and accepting triggers a hard one. The big limitation for a $500 to $5,000 personal loan is the term menu: only three or five years. Stretching a $2,000 personal loan over 36 months costs noticeably more interest than a 12-month loan at the same APR. The origination fee can also be large, and the lender's own example shows 8.15%. State minimums apply, including $3,100 in Georgia, $1,500 in Hawaii and $7,000 in Massachusetts. Upstart says most transfers start within 24 hours of signing, and a vehicle-secured option exists for some borrowers.
Best Egg
- Loan amounts
- $2,000–$50,000
- APR
- 6.99%–35.99%
- Terms
- 36–60 months
- Origination fee
- 0.99%–9.99% (at least 4.99% on terms of 4 years or longer)
- Funding
- 1–3 business days after verification; about half of customers next day
Best Egg fits borrowers with fair to good credit who want a predictable fixed payment on a personal loan for debt consolidation or a larger repair in the $2,000 to $5,000 range. The origination fee runs from 0.99% to 9.99% and is deducted from the proceeds; on terms of four years or longer it is at least 4.99%. Best Egg does not lend in Iowa, Nebraska, Vermont, West Virginia, Washington, D.C., or U.S. territories, and minimums are higher in Massachusetts ($6,500), Ohio ($5,001) and Georgia ($3,001). The 36-month minimum term is the main drawback for the smaller amounts many people searching for enable loans need, since it keeps you paying interest longer than a short personal loan would. On the plus side, there is no prepayment penalty, so paying early can cut interest. Checking your rate does not affect your score, and Best Egg says about half of its customers receive funds the next day.
Prosper
- Loan amounts
- $2,000–$50,000
- APR
- 8.99%–35.99%
- Terms
- 2–6 years
- Origination fee
- 1%–9.99%
- Funding
- As soon as 1 business day after final approval
Prosper is a long-running online lending platform whose personal loans are issued by WebBank. It is one of the few on this list to publish a credit floor: the site says you need a score of 640 or higher to accept an offer and may not qualify below 600. That makes its personal loans a fit for fair-to-good credit rather than for rebuilding credit. A co-applicant can improve your chances. Fees include an origination charge of 1% to 9.99% plus possible late, check-payment and insufficient-funds fees, but there is no prepayment penalty. A useful reality check: Prosper reports that its average APR on three-year loans funded in a recent quarter was 24.19%, far above its 8.99% floor. With a $2,000 minimum, it suits a mid-size personal loan better than a quick $500 gap, and you can check your rate without affecting your score.
Online lenders that often work with fair credit
Upgrade, Avant, LendingPoint and Universal Credit are online lenders that commonly consider applicants with fair credit, usually in exchange for higher APR ceilings and origination fees that come out of the loan before you receive it.
Upgrade
- Loan amounts
- $1,000–$50,000
- APR
- 7.74%–35.99%
- Terms
- 24–84 months
- Origination fee
- 1.85%–9.99%, deducted from proceeds
- Funding
- Within 1 business day of clearing verifications
Upgrade suits fair-credit borrowers who want a personal loan with a wide choice of terms and the option of sending money straight to creditors when consolidating. Its lowest rates require autopay and paying off part of your existing debt directly, and some discounts may require collateral. The origination fee of 1.85% to 9.99% comes out of the proceeds. Upgrade's own example: a $10,000, 36-month personal loan at 16.28% APR includes a 5% fee, so the borrower receives $9,500. Funds typically arrive within one business day of clearing verifications, but direct payments to creditors can take up to two weeks. No prepayment fee applies. Drawbacks: the 24-month minimum term is long for a $1,000 personal loan, joint applications are not available on every offer, and Upgrade notes you may not be shown multiple offers. It publishes no minimum credit score, so, as with enable loans offers, you see your real rate only after checking.
Avant
- Loan amounts
- $2,000–$35,000 (minimums vary by state)
- APR
- 9.95%–35.99%
- Terms
- 24–60 months
- Origination fee
- Administration fee up to 9.99%
- Funding
- Generally next business day if approved by 4:30 p.m. CT, Monday–Friday
Avant is a loan brand rather than the lender itself; its personal loans are issued by WebBank. It is aimed at borrowers with fair credit who need a personal loan of $2,000 or more and value quick funding: approvals by 4:30 p.m. Central on a weekday are generally deposited the next business day, though document requests can slow things down. The administration fee of up to 9.99% is deducted from the proceeds and treated as part of the principal, which means you pay interest on the fee itself. That detail is worth noticing when you compare Avant with enable loans offers or with a personal loan that charges no fee. Avant publishes no minimum score, minimum amounts vary by state, and its site notes that at least one state is not currently served, so confirm availability before applying. Checking your options does not affect your credit score.
LendingPoint
- Loan amounts
- $1,000–$36,500
- APR
- 7.99%–35.99%
- Terms
- 24–72 months
- Origination fee
- Up to 10%, depending on state
- Funding
- As soon as the next business day after approval
LendingPoint offers personal loans to borrowers with fair credit and a steady paycheck. It sets a minimum annual income of $35,000 and requires a Social Security number and a personal bank account, which rules out many part-time workers but gives full-time earners with imperfect credit a real shot, which matters to many people searching for enable loans with fair credit. Fees of up to 10% may apply depending on your state. LendingPoint does not lend to residents of Nevada or West Virginia, and minimums are higher in Georgia ($3,500), Colorado ($3,001) and Hawaii. Checking options is a soft pull, but completing the application adds a hard inquiry. If approved, funds are often sent the next business day; if documents are requested, LendingPoint says a decision comes within one to three business days after it receives them. Its own sample personal loan carries a 26.59% APR with a 10% fee, a reminder that the 7.99% floor is for top applicants.
Universal Credit
- Loan amounts
- $1,000–$50,000
- APR
- About 11.69%–35.99%
- Terms
- 2–5 years
- Origination fee
- 5.25%–9.99%, deducted from proceeds
- Funding
- Often the day after approval
Universal Credit is built for fair and rebuilding credit: independent reviews list a 560 minimum score, though the lender usually looks for 630 or higher. It lends in all 50 states but not Washington, D.C., and has no minimum income requirement, with a debt-to-income limit of 75% including housing. The catch is the origination fee floor of 5.25%, rising to 9.99%. On a $2,000 personal loan, even the lowest fee takes $105 off the top. Discounts are available for autopay and for sending consolidation funds straight to creditors. Only single-applicant unsecured personal loans are offered, so you cannot add a co-borrower to win a better rate. Funding often arrives the day after approval, and hardship options such as temporary payment reductions exist. We took these figures from an independent review, so confirm each one on the lender's site before you rely on it.
Installment lenders with branches and smaller starting amounts
OneMain Financial, Mariner Finance, Oportun and Regional Finance combine online applications with physical branches or retail locations, and several accept smaller starting amounts than most purely online lenders do.
OneMain Financial
- Loan amounts
- $1,500–$35,000 (higher minimums in some states)
- APR
- 11.99%–35.99%
- Terms
- 24–60 months
- Origination fee
- Flat $25–$500 or 1%–10% of the amount, by state
- Funding
- As soon as 1 hour after signing to a bank-issued debit card; ACH 1–2 banking days
OneMain Financial suits personal loan borrowers who want to talk to someone in a branch, have fair credit, or can offer a car as collateral for a lower APR or a larger amount. Funding options are flexible: money on a bank-issued debit card as soon as one hour after signing, an ACH deposit in one to two banking days, or a check on closing day. The origination fee is either a flat $25 to $500 or 1% to 10% of the amount, depending on state. Minimums are higher in several states, including Alabama ($2,100), California ($3,000), Georgia ($3,100) and Virginia ($2,600), so a $1,500 personal loan may not be possible everywhere. Pledging a vehicle no more than ten years old can help, but it puts the car at risk if payments stop, and borrowers covered by the Military Lending Act cannot pledge one. No prepayment penalty applies to its personal loans.
Mariner Finance
- Loan amounts
- $1,000–$25,000 (online: $1,500–$14,000)
- APR
- 15.99%–35.99%
- Terms
- 12–72 months
- Origination fee
- May apply; amount not published. Check the lender's site
- Funding
- Check the lender's site
Mariner Finance fits personal loan borrowers with fair credit who like the option of a branch and can live with a higher APR floor of 15.99%. Online personal loans run from $1,500 to $14,000 and are originated by WebBank except in California and Maryland; smaller or larger amounts may go through branches, and Georgia residents need to borrow more than $3,000. Mariner says origination fees may apply but does not publish the amount, so ask before signing. One unusual feature: if you repay the full balance within 15 days in certified funds, finance charges are waived. The lowest rates may require a lien on a car no more than ten years old. Mariner's own example shows $5,000 at 30.99% APR over 48 months costing about $3,780 in finance charges, which is why the 12-month end of its term range deserves a look. Checking personal loan offers is a soft inquiry.
Oportun
- Loan amounts
- $300–$10,000 unsecured (new customers typically $500–$4,000)
- APR
- Check the lender's site (sample APRs shown near 35.95%)
- Terms
- Check the lender's site (samples run about 30–39 months, paid every two weeks)
- Origination fee
- Administrative fee up to 10% of principal
- Funding
- Check the lender's site
Oportun is one of the few lenders here that does not require a prior credit history, although it still pulls and considers credit reports. That makes it worth a look for newcomers to US credit, or for anyone with a very thin file who is comparing enable loans options. New customers typically take personal loans of $500 to $4,000. The cost is significant: the site's sample APRs sit near 35.95% for unsecured loans, payments are often every two weeks, and an administrative fee of up to 10% is subtracted from the principal. In Oportun's example, a $3,333 loan carries a $333 fee and the borrower receives $3,000. Partner banks such as Pathward and Column make the personal loans in many states, and secured car-title options exist in only eight states. Prequalifying does not affect your score until you submit a full application. Oportun publishes no funding timeline, so ask before you count on a date.
Regional Finance
- Loan amounts
- $600–$45,000 (maximum varies by state; top amounts are auto-secured)
- APR
- Check the lender's site
- Terms
- Check the lender's site
- Origination fee
- Check the lender's site
- Funding
- Check the lender's site
Regional Finance operates in 20 states: Alabama, Arizona, California, Florida, Georgia, Idaho, Illinois, Indiana, Louisiana, Mississippi, Missouri, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin. Its $600 starting amount makes it relevant for small personal loan needs, and it describes its credit requirements as more flexible than many lenders. Its personal loans are made by Column, N.A. or a Regional affiliate and serviced by a Regional affiliate. The drawback is transparency: the site does not publish an APR range, term lengths or fees, saying only that they vary by state. Ask for the APR, the total of payments and any fees in writing before you sign, and compare them with at least one other offer, such as one that follows an enable loans request. Auto-secured loans reach higher amounts and may lower the rate. Checking offers does not affect your credit score.
Regional consumer-finance lenders in Southern and Midwestern states
Republic Finance, Lendmark Financial Services, Heights Finance, 1st Franklin Financial and Tower Loan operate mostly in Southern and Midwestern states, lend through local branches, and publish fewer numbers online than national lenders do.
Republic Finance
- Loan amounts
- Check the lender's site (secured in-branch loans up to $25,000)
- APR
- Check the lender's site (site example: 30.04%)
- Terms
- 12–60 months
- Origination fee
- Varies by state. Check the lender's site
- Funding
- Check the lender's site
Republic Finance is a branch-based consumer lender that originates personal loans in Alabama, Arizona, Florida, Georgia, Indiana, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas, Virginia and Wisconsin, with a partner bank covering some other states. Personal loan quotes typically run 12 to 60 months. It does not publish an APR range, but its sample personal loan of $7,000 over 60 months shows a 30.04% APR for an average customer with good credit, which suggests pricing sits in the upper part of the mainstream range. Fees depend on your state. You can prequalify without affecting your score, and some borrowers can apply and close online, though not everyone is eligible to. Secured loans up to $25,000 are handled in branch and come with collateral and insurance requirements. Republic notes that it is not a bank.
Lendmark Financial Services
- Loan amounts
- $2,000 minimum in FL, LA and MS, $3,000 elsewhere; up to $8,000 unsecured
- APR
- Up to 35.99% (no minimum published)
- Terms
- 12–72 months
- Origination fee
- May apply by state. Check the lender's site
- Funding
- Same-day loans may be available
Lendmark Financial Services lends in 24 states, including much of the South plus California, Colorado, Kansas, Maryland, Ohio, Pennsylvania, Utah, Washington and West Virginia. Minimums are $2,000 in Florida, Louisiana and Mississippi and $3,000 elsewhere, and unsecured personal loans top out at $8,000, so it fits the upper half of the $500 to $5,000 range that most enable loans searches cover. APRs on new loans never exceed 35.99%, though no floor is published. Its representative personal loan example, $4,500 over 42 months at 33.10% APR with payments of about $172, shows how costly long terms get near the ceiling. The lender reports that about two-thirds of applications in a recent period were approved and funded within one business day. Its personal loans carry no prepayment penalties, prequalifying does not affect your score, and an offer may not be valid if you opened a loan in the past 60 days.
Heights Finance
- Loan amounts
- From $500 (state minimums $400–$1,000)
- APR
- Check the lender's site
- Terms
- Check the lender's site
- Origination fee
- Check the lender's site
- Funding
- As soon as the same day after signing
Heights Finance stands out for low starting amounts: it advertises personal loans from $500, with state minimums as low as $400 in Georgia and $500 in Missouri, Texas and Wisconsin. It lists minimums for Alabama, Georgia, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee, Texas and Wisconsin. Funding can arrive as soon as the same day after you sign, by check in a branch or by direct deposit. New personal loans have no payment due for at least 30 days, though that first payment may be larger. The weak spot is pricing transparency: Heights does not publish an APR range, term lengths or an origination fee, so you only learn the cost after applying, which makes it harder to line up against enable loans offers. Prequalifying is a soft inquiry, and the full application is a hard one. Phone and online debit-card payments may carry a transaction fee of just under three dollars.
1st Franklin Financial
- Loan amounts
- $3,500–$15,000 (per its rate table)
- APR
- Up to 35.99% (no minimum published)
- Terms
- 15–60 months
- Origination fee
- Check the lender's site
- Funding
- In as little as a few hours if information is complete by noon
1st Franklin Financial is a consumer finance company with branches in Alabama, Florida, Georgia, Kentucky, Louisiana, Mississippi, South Carolina, Tennessee, Texas and Virginia. Its online personal loan rate table starts at $3,500 and runs up to $15,000, with terms of 15 to 60 months and a maximum APR of 35.99%. That places it only at the top of the range people searching for enable loans usually need. Its sample $3,600 loan at 35.99% over 24 months costs about $213 a month and roughly $5,100 in total, a clear picture of what a capped-rate personal loan still costs. Same-day approval and funding is possible if you supply everything requested by noon. Collateral may be required, and proceeds cannot be used for education, securities, business or gambling. Prequalifying is a soft inquiry, and accepting an approved loan adds a hard one.
Tower Loan
- Loan amounts
- Check the lender's site (set by state of residence)
- APR
- Check the lender's site (site example: 34.96%)
- Terms
- 12–36 months typical
- Origination fee
- Varies by state. Check the lender's site
- Funding
- Check the lender's site
Tower Loan is a branch-based personal loan lender with offices in Alabama, Florida, Illinois, Louisiana, Mississippi, Missouri, Tennessee and Texas. It sets minimum and maximum amounts by state, and personal loan quotes typically run 12 to 36 months, which keeps total interest lower than the five-year terms common online. Tower does not publish an APR range; its disclosure example shows a 34.96% APR on a $6,000 loan repaid at $333 a month over 26 months, about $8,658 in total. Origination fees apply based on your state, and some state-required fees count as prepaid finance charges. Checking rates won't affect your credit. Secured loans are available only in branch and require collateral and insurance, and the lowest rates and largest amounts may require a car as collateral. Not everyone can apply online, so a branch visit may be part of the process.
High-cost lenders to treat as a last resort
World Finance, NetCredit, OppLoans and RISE lend to people with thin or damaged credit, and their published APRs can run from the mid-30s to well above 100%. Two of them describe their own product as an expensive form of credit.
World Finance
- Loan amounts
- About $450–$10,000
- APR
- Varies by state (Georgia example: 33.90%–101.61%)
- Terms
- Varies by state (Georgia examples: 5–16 months)
- Origination fee
- Flat $25–$100 or a percentage, by state
- Funding
- Approval often in about an hour; funding timing: check the lender's site
World Finance is a branch-based installment lender offering personal loans of roughly $450 to $10,000 to people with limited or damaged credit. Approval often takes about an hour. The cost varies widely by state: its Georgia disclosure shows APRs from 33.90% to 101.61% on terms of 5 to 16 months, so a small loan can carry a very high effective cost. Fees can include a flat origination charge of $25 to $100 or a percentage, late fees of $5 to $30 and returned-payment fees of $10 to $50, all subject to state limits. World considers income left after monthly expenses and may take a vehicle as collateral for larger loans. Proceeds cannot be used for education, business or gambling. Before signing, compare the total of payments with a mainstream personal loan, a credit union offer or enable loans offers.
NetCredit
- Loan amounts
- $1,000–$10,000
- APR
- 34.99%–99.99%
- Terms
- 6–60 months
- Origination fee
- Check the lender's site (state-specific)
- Funding
- As soon as the same day if you meet the cutoff
NetCredit offers personal loans of $1,000 to $10,000 to borrowers who may not qualify elsewhere, and it is unusually direct about the price: its own site calls the product an expensive form of credit and says other options may cost less. Anyone weighing it against enable loans offers should compare the total of payments first. APRs run from 34.99% to 99.99%, depending on credit and state. On a $2,000 personal loan over 12 months, the gap between about 35% and 99.99% is roughly $70 a month. In its favor, NetCredit says it charges no application, prepayment, late or insufficient-funds fees, reports on-time payments to the major bureaus, and can fund as soon as the same day if you meet its cutoff. Loans come from NetCredit or a partner bank, depending on state. Checking eligibility is a soft pull, and final approval adds a hard inquiry. You need a checking account, an email address and verifiable income.
OppLoans
- Loan amounts
- $500–$5,000
- APR
- Up to 195% (independent reviews list 99%–195%)
- Terms
- About 9–24 months (per independent reviews)
- Origination fee
- None
- Funding
- Same business day if approved by noon CT; otherwise as soon as the next business day
OppLoans offers $500 to $5,000 personal loans through bank partners to people with bad or no credit, and the cost is high: the maximum APR is 195%, and independent reviews list a floor near 99%. There is no origination fee, no published minimum score, and payments follow a fixed schedule, typically over 9 to 24 months. Approval by noon Central on a business day can mean same-day funding; later approvals generally fund the next business day. The lender says applying does not affect your FICO score because it uses a soft Experian inquiry, although it runs a hard check with the specialty bureau Clarity. On-time personal loan payments are reported to all three major bureaus. Independent reviews say OppLoans is unavailable in Colorado, Connecticut, Georgia, Iowa, Maine, Maryland, New York, South Dakota, Vermont, West Virginia and Washington, D.C.
RISE
- Loan amounts
- $500–$5,000
- APR
- Check the lender's site (independent reviews list about 59.80%–299%)
- Terms
- About 7–36 months (per independent reviews)
- Origination fee
- Up to 5% in some states (DE, ID, MO, UT, WI)
- Funding
- Typically next business day if approved before 6 p.m. ET
RISE offers $500 to $5,000 personal loans to borrowers with imperfect credit, and like NetCredit it labels its product an expensive form of credit. It does not publish one APR range on its homepage; independent reviews list roughly 59.80% to 299% depending on state, with terms of 7 to 36 months and payments every two weeks. An origination fee of up to 5% applies in a few states. Two features soften the risk: a five-business-day window in which you can rescind the loan by repaying only the principal, with no interest or fees, and no extra charge for paying the personal loan off early. Approvals before 6 p.m. Eastern are typically funded the next business day. Quill Bank or FinWise Bank makes the loans in some states, and RISE is unavailable in about 20 states, including California, Illinois, New York and Pennsylvania. Treat it strictly as a last resort, after cheaper personal loans and enable loans offers.
How to choose between these lenders and enable loans offers
Start with the lowest-APR personal loan lender you can realistically qualify for, then compare the total amount you would repay, not just the monthly payment. A cheap loan you are declined for helps less than a fair offer you actually receive.
Your credit profile does most of the sorting, for these lenders and for enable loans offers alike. The list below matches common situations with the groups above. It is a starting point, not advice about any single lender, and every lender makes its own personal loan decision. Many enable loans reviews mention that seeing two or three offers side by side made this sorting easier.
- Good to excellent credit, low debt: start with PenFed Credit Union, Happen Bank, Upstart, Best Egg or Prosper, and compare their offers with your own bank or credit union.
- Fair credit, steady income: Upgrade, Avant, LendingPoint and Universal Credit are built for this profile, but compare origination fees carefully because they come out of your deposit.
- Want a branch or have a car to pledge: OneMain Financial, Mariner Finance and the regional lenders let you sit down with someone, and secured options may lower the APR at the cost of putting the vehicle at risk.
- Thin or no US credit history: Oportun does not require prior credit history, and Upstart weighs more than the score alone.
- Declined everywhere else: the high-cost lenders may say yes, but at APRs that can double or triple what you repay. Exhaust cheaper options first.
The amount you need narrows the field as well. For $500 to $1,000, a common need for people searching for enable loans, only PenFed, Oportun, Regional Finance, Heights Finance, World Finance, OppLoans and RISE start at or below $600, and lenders with a $1,000 floor such as Happen Bank, Upstart, Upgrade, LendingPoint, Universal Credit, Mariner and NetCredit come next. For $3,000 to $5,000, almost every lender here is in play, including Lendmark and 1st Franklin, which start at $2,000 to $3,500.
Term length is the quiet cost driver. Many online lenders set a 24- or 36-month minimum, which suits a $5,000 consolidation but stretches a $1,000 repair far longer than necessary. A shorter term means a higher monthly payment and less total interest, so pick the shortest term whose payment fits your budget with room to spare. On any personal loan, that one choice can matter as much as a few points of APR.
An enable loans request is one way to see several offers without filling in a dozen applications. The enable loans application takes a few minutes, costs nothing and creates no obligation; lenders and lending partners in our network who are interested respond with their own terms, which you can line up against anything on this page. Before you start the enable loans application, check our typical eligibility requirements, and read enable loans reviews from borrowers to see what the process is like.
Walk away from anyone who asks for an upfront fee before funding, pressures you to sign the same day, will not show a written APR and total of payments, or asks for gift cards or wire transfers. Legitimate lenders on this list and in any network disclose costs in writing before you commit, and the enable loans application never asks you for an upfront payment.
FAQ
Questions about this page
Are the 22 lenders on this comparison page part of your lending network?
Not necessarily. The list is an independent comparison of lenders that publish terms in or near the $500 to $5,000 range. Inclusion here does not mean a lender will receive or respond to an enable loans application.
Why do some lenders show “Check the lender's site” instead of an APR or term?
Those personal loan lenders do not publish a general figure, usually because pricing and terms vary by state or by applicant. We chose not to estimate. Ask the lender for the APR and total of payments in writing before you sign.
Which lenders on this list will lend as little as $500?
Oportun, Heights Finance, World Finance, OppLoans and RISE advertise starting amounts at or below $500, though state minimums can be higher. PenFed and Regional Finance start at $600. Most of the rest start at $1,000 or $2,000. Requests through the enable loans website start at $500.
How can some lenders here charge APRs well above 35.99%?
State laws differ, and some lenders work through bank partners or state licenses that allow higher pricing. A higher APR on a personal loan is legal where permitted but can multiply the total you repay, so compare it against cheaper offers, including enable loans offers, before accepting.
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