Our published terms vs the major personal-loan lenders.
| Nationwide | SoFi | LightStream | Best Egg | |
|---|---|---|---|---|
| APR range | 8.99% – 35.99% | 8.99% – 29.99% | 7.49% – 25.99% | 8.99% – 35.99% |
| Origination fee | $0 | Up to 7% | $0 | 0.99-8.99% |
| Loan range | $1k - $50k | $5k - $100k | $5k - $100k | $2k - $50k |
| Min credit score | None | 680+ | 660+ | 600+ |
| Funding speed | Next business day | 2-3 business days | Same day* | 1-3 business days |
| Term | 24-84 months | 24-84 months | 24-144 months | 36-60 months |
| Whole-picture underwriting | ||||
| Specialist phone support |
Competitor rates & terms sourced from public marketing pages, last verified May 2026. Subject to change. *Same-day funding may require additional verification.
A lower headline rate with a 7% origination fee can cost more than a higher rate with no fee. APR folds the fees in, so it is the honest number.
It tells you who actually qualifies, not just the best-case rate a lender puts in its marketing.
The lowest advertised rate often applies only to short terms and large balances. Match the row to your own situation.
Most of the lenders above start with a credit-score cutoff. We start with a phone call and whole-picture underwriting: income, debt-to-income, banking history, and employment, not a single number. That is why our range runs wider, and why borrowers turned down elsewhere sometimes qualify here.
We will be honest about the tradeoff. If your credit is excellent, a lender like LightStream or SoFi may beat us on the very lowest advertised rate. If it is not, we are often the one that still says yes, with no origination fee and a person who explains the number before you commit.
Nationwide is built for borrowers who want clear pricing, human service, and a broader path to approval. The other names you'll see also do good work — for different borrowers.
For high-income borrowers who want a large national fintech ecosystem with member perks.
For excellent-credit borrowers who want a low rate and no fees, with same-day funding available.
If speed is your main priority and you can absorb a small origination fee.
No credit pull at quote stage. A specialist walks you through your rate. Then you decide.
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