We put all 10 lenders in our network on one table so you can actually compare them yourself — rate, amount, fees, credit score needed. No hidden favorites.
sortable by rate below · we update this twice a year
*Our score reflects Jonathan and Steven's own review of each lender's terms, fees, and support — not a paid placement, and separate from the public review count shown for each lender.
quick picks →
If you don't want to read the whole table
Four common situations and the lender we'd point you to for each.
best for excellent credit
SF
SoFi
No fees at all, and the largest loan amounts in our network if you need more than 0k.
We check every lender twice a year — origination fees we can't explain in one sentence, prepayment penalties, and unresponsive support lines are the fastest way to get removed. Three lenders didn't make the cut in our last review.
The order above is sorted by rate, not by who pays us the most. Every lender pays us the same referral fee if you take a loan through them, so we've got no financial reason to rank one above another.
— Jonathan & Steven
common questions →
Before you compare
Will checking rates on multiple lenders hurt my credit? −
No. Every lender in this table lets you check your rate with a soft credit inquiry, which doesn't affect your score — even if you check several in one sitting.
Why do the same credit tiers get different rates at different lenders? −
Each lender uses its own risk model, so two lenders can weigh the same credit profile differently. That's exactly why comparing more than one is worth the extra two minutes — the "best" lender for your situation isn't the same for everyone.
Should I apply to more than one lender? −
We'd recommend checking your rate with a few, since it's a soft pull and won't cost you anything in credit score. Just be mindful that formally accepting more than one offer at once isn't necessary — pick the best real offer once you see them side by side.
How often is this table updated? −
We check every lender's rates, fees, and terms twice a year, and remove any lender whose terms stop making sense in between. If a rate looks off, it's worth double-checking directly with the lender before you apply.
Bring the whole offer into view
Read a lender card like a reviewer.
Put the details next to each other before you choose. Start with the same loan amount and term, then look beyond the monthly payment.
