Loan Alternatives Comparison

Affirm offers point-of-sale financing and personal loans with transparent pricing. They partner with many major retailers and provide flexible payment options for various purchase amounts. Known for their straightforward terms and integration with popular shopping platforms.

Klarna is a Swedish fintech company offering various payment solutions including pay-in-4, monthly financing, and pay-in-30-days options. They have partnerships with thousands of retailers globally and offer a shopping app with exclusive deals.

Afterpay allows customers to split purchases into four interest-free payments over six weeks. Popular among younger consumers and widely accepted at fashion and lifestyle retailers. Recently acquired by Block (formerly Square).

PayPal Credit is a reusable credit line that can be used at millions of online stores that accept PayPal. Offers special financing promotions and integrates seamlessly with existing PayPal accounts for convenient checkout.

Upgrade offers personal loans and personal lines of credit with competitive rates. They provide credit monitoring tools and focus on helping customers improve their financial health through responsible borrowing practices.

Zip offers pay-in-4 installment payments for online and in-store purchases. Their app includes a virtual card for shopping anywhere and provides spending insights. Recently rebranded from Quadpay with expanded services.

LendingClub is a pioneer in peer-to-peer lending now operating as a digital marketplace bank. They offer personal loans for debt consolidation, major purchases, and other needs with competitive rates and terms.

SoFi offers personal loans with no fees and member benefits like career coaching and financial planning. Originally focused on student loan refinancing, they now provide a full suite of financial products and services.

Prosper is a peer-to-peer lending platform offering personal loans for various purposes. They were one of the first P2P lending platforms in the US and continue to provide competitive rates through their marketplace model.

Avant specializes in personal loans for borrowers with fair to average credit. They offer a simple online application, quick decisions, and funding as soon as the next business day. Known for serving underbanked consumers.

Best Egg offers personal loans primarily for debt consolidation and home improvement. They focus on borrowers with good credit and provide competitive rates with a straightforward online application experience.

Marcus offers no-fee personal loans backed by Goldman Sachs. They provide competitive rates for debt consolidation and major purchases. Known for excellent customer service and straightforward terms without hidden costs.