How this green path financial lender comparison works
Each profile summarizes what a real U.S. personal loan lender publicly lists for loan amounts, APR ranges, repayment terms, funding speed and state availability, as listed on the lender's site or in published reviews, subject to change.
We checked each lender's own website first and used widely published third-party reviews only to fill gaps, and the profile says so when we did. Where a lender does not publish a figure and we could not verify it, the entry reads "varies by state" instead of a guess. Many installment lenders price each personal loan under state law, so the same company can charge very different APRs in Georgia and in Texas.
We are not affiliated with any of these lenders, and the order below is a grouping by lender type, not a ranking or a recommendation. Inclusion does not mean a lender works with our service. Readers who search green path financial comparisons usually want one neutral place to see the numbers side by side; the notes labeled "best for" and "watch out" describe fit, not quality.
All 26 lenders at a glance
The summary table lists all 26 personal loan lenders in the same order as the profiles below, with the loan amounts, APR ranges and terms each one publicly lists. Figures are subject to change and often vary by state.
| Lender | Type | Loan amounts | APR range | Terms |
|---|---|---|---|---|
| Mariner Finance | Branch | $1,000–$25,000 | 15.99%–35.99% | 12–72 months |
| Lendmark Financial Services | Branch | $2,000–$8,000 unsecured | Up to 35.99% | 12–72 months |
| Regional Finance | Branch | $600–$45,000 | Varies by state | Varies by state |
| Republic Finance | Branch | Up to $25,000 (secured) | Varies by state | 12–60 months (typical) |
| World Finance | Branch | $450–$12,000 | Varies by state | Varies by state |
| 1st Franklin Financial | Branch | Up to $15,000 | Up to 35.99% | 15–60 months |
| Heights Finance | Branch | Up to $10,000 | Varies by state | Varies by state |
| Covington Credit | Branch | Varies by state | Varies by state | Varies by state |
| Security Finance | Branch | $494–$2,600 | Varies by state | Varies by state |
| Tower Loan | Branch | Varies by state | Varies by state | 12–36 months (typical) |
| Sun Loan Company | Branch | $150–$10,000 | Varies by state | Varies by state |
| Western Shamrock | Branch | $150–$3,750 | Varies by state | Varies by state |
| Oportun | Online | $300–$10,000 | Up to 36% | 12–54 months |
| LendingPoint | Online | $1,000–$36,500 | 7.99%–35.99% | 24–72 months |
| Upgrade | Online | $1,000–$50,000 | 7.74%–35.99% | 24–84 months |
| Avant | Online | $2,000–$35,000 | 9.95%–35.99% | 24–60 months |
| Best Egg | Online | $2,000–$50,000 | 6.99%–35.99% | 36–60 months |
| Upstart | Online | $1,000–$75,000 | 6.3%–35.99% | 36 or 60 months |
| Prosper | Online | $2,000–$50,000 | 8.99%–35.99% | 24–72 months |
| Universal Credit | Online | $1,000–$50,000 | 11.69%–35.99% | 36 or 60 months |
| Reprise Financial | Online | $2,500–$35,000 | 9.5%–36% | 36–60 months |
| NetCredit | Online | Up to $10,000 | Varies by state | 6–60 months |
| OppLoans | Online | $500–$5,000 | 99%–195% (Ohio; varies by state) | 9–24 months (Ohio) |
| RISE | Online | $500–$5,000 | Varies by state | Varies by state |
| Personify Financial | Online | $500–$15,000 | 36%–about 180% | 6–48 months |
| Possible Finance | Online | Up to $500 | Varies by state | Varies by state |
A lender's widest advertised range is rarely what a typical applicant sees. Most personal loans of $500 to $5,000 land somewhere between about 6% and 35.99% APR with 6 to 36 months to repay, but several lenders on this list price small loans well above 36% where state law allows.
Branch-based installment lenders
Branch-based installment lenders make fixed-payment personal loans through local offices, often finishing the application in person, verifying income with documents and handing over a check or same-day deposit. Their pricing depends heavily on state rate caps.
Mariner Finance
Mariner Finance is a branch-based consumer lender that also takes personal loan applications online. As listed on its site, loans run from $1,000 to $25,000 at APRs of 15.99% to 35.99% with terms of 12 to 72 months; online loans are generally limited to $1,500 to $14,000, and Georgia loans start above $3,000. Third-party reviews describe a decision often within one business day and offices in roughly 27 states. Best for: borrowers who want a local office for a mid-size loan. Watch out: origination fees vary by state and are not fully published, so ask for the fee in writing.
Lendmark Financial Services
Lendmark Financial Services is a branch-based installment lender licensed in 24 states, including Alabama, California, Florida, Georgia, North Carolina, Texas and Virginia. Its FAQ lists minimum loans of $2,000 in Florida, Louisiana and Mississippi and $3,000 in its other states, a maximum unsecured loan of $8,000 (more with collateral), terms of 12 to 72 months and a maximum APR of 35.99% on new loans. Funding speed is not published. Best for: borrowers needing $3,000 or more who like in-person service. Watch out: the minimum loan is above what many small-dollar borrowers need.
Regional Finance
Regional Finance operates branches in 20 states across the South, Southwest and Midwest, among them Alabama, Arizona, California, Georgia, Illinois, Texas and Wisconsin. Its homepage lists personal loans from $600 to $45,000, with the maximum varying by state and the top amounts tied to auto-secured loans. APRs and term lengths are not published on that page and vary by state. Best for: borrowers who want a branch relationship and may pledge a vehicle as collateral. Watch out: third-party reviews mention origination, late and payment-processing fees, so review the full fee schedule before signing.
Republic Finance
Republic Finance lists more than 280 branch locations and originates personal loans in 16 states, including Alabama, Florida, Georgia, Kentucky, Ohio, Texas and Virginia. Its site says secured in-branch loans go up to $25,000, maximums vary by state, and typical applicants see terms of 12 to 60 months. Its sample APR is 30.04% for a customer with good credit, but actual APRs vary by state and profile. Third-party reviews say branch loans can fund as soon as the same day. Best for: borrowers who want funds at a branch. Watch out: unsecured loan limits are not published.
World Finance
World Finance runs installment-loan branches in 16 states, including Georgia, Illinois, Missouri, South Carolina, Tennessee and Texas. Its site lists loans from about $450 to $12,000, says most applications can be approved in about an hour, and notes that rates and terms vary by state. Its Georgia example shows APRs from 33.90% to 101.61%, with the highest APR on the smallest loan. Best for: smaller loans from a lender with local offices and fixed payments. Watch out: APRs on small balances can run far above 36%, so compare the total of payments, not just the monthly amount.
1st Franklin Financial
1st Franklin Financial is a branch-based lender serving 10 states: Alabama, Florida, Georgia, Kentucky, Louisiana, Mississippi, South Carolina, Tennessee, Texas and Virginia. Its FAQ lists loans up to $15,000, terms of 15 to 60 months for qualified borrowers and a maximum APR of 35.99% in its rate table for loans of $3,500 and above. Approved loans may fund as soon as the next day, or the same day if documents arrive by noon. Best for: Southeastern borrowers who prefer a local branch. Watch out: pricing for loans under $3,500 is not shown in that table, so ask for it.
Heights Finance
Heights Finance is an installment lender with branches in 13 states, including Illinois, Indiana, Kentucky, Missouri, Oklahoma, Tennessee and Texas. Its site lists loans up to $10,000 depending on state of residence, and it does not publish an APR range or term lengths. Third-party reviews note that same-day approval may be available only to some applicants on some days. Heights also operates sister brands, including Covington Credit. Best for: borrowers who want to start online and finish at a branch. Watch out: without published rates, you see your APR only once an offer is made.
Covington Credit
Covington Credit is listed by Heights Finance as part of its family of brands and runs local installment-loan offices. Third-party listings place it in states such as Alabama, Georgia, Oklahoma, South Carolina, Tennessee and Texas, but its loan amounts, APRs, terms and funding times were not publicly verifiable for this page, so each varies by state. Best for: borrowers near one of its offices who want a smaller fixed-payment loan. Watch out: ask for the APR, total of payments and any late fee in writing before you sign, since none are posted online.
Security Finance
Security Finance offers small installment-style personal loans through local branches. Its homepage lists loans from $494 to $2,600, with ranges that vary by state, and says loans have set terms with equal monthly payments, no balloon payments and no prepayment penalties. Affiliated companies are licensed in 12 states, including Alabama, Georgia, Louisiana, Oklahoma, South Carolina, Tennessee, Texas and Wisconsin. APRs and term lengths are not published. Best for: very small amounts with a predictable schedule. Watch out: third-party reviews report APRs well above 36% in some states, so compare the finance charge carefully.
Tower Loan
Tower Loan is a Mississippi-based installment lender whose site lists locations in Alabama, Florida, Illinois, Louisiana, Mississippi, Missouri, Tennessee and Texas. It says minimum and maximum amounts depend on state of residence and underwriting, and quotes typically cover 12 to 36 months. Its sample $6,000 loan over 26 months shows a 34.96% federal APR. Funding speed is not published. Best for: Gulf South borrowers who want a short-to-medium term with a local office. Watch out: published figures are examples only, so request your exact APR and total cost before signing.
Sun Loan Company
Sun Loan Company lists more than 200 branches in eight states: Alabama, Illinois, Missouri, Nevada, New Mexico, Oklahoma, Tennessee and Texas. Its site advertises loans from $150 up to $10,000, with limits that differ by state, approval typically in less than one hour and same-day funding when timing allows. APRs and term lengths are not posted online. Best for: borrowers who need a small amount quickly and can visit a branch. Watch out: because rates are not published, compare the contract's finance charge against at least one other offer.
Western Shamrock
Western Shamrock is a Texas-based installment lender with locations in Missouri, Oklahoma and Texas. Its site lists loans from $150 to $3,750, notes that the maximum varies by state, and says loans are repaid in installments with no prepayment penalties. APRs, term lengths and funding times are not published. Best for: borrowers in its three states who need a small amount and value in-person help. Watch out: small-balance installment loans in these states can carry high APRs, so ask for the full written disclosure before agreeing.
Online lenders with APRs up to about 36%
Online personal loan lenders in this group publish APR ranges that top out near 36%, take applications entirely online, and usually deposit funds within one to three business days. Many charge an origination fee deducted from the loan.
Oportun
Oportun is an online lender that serves many borrowers with limited credit history. Its site lists unsecured loans from $300 to $10,000, with typical first loans of $500 to $4,000, and an administrative fee of up to 10% of principal. Third-party reviews report APRs capped at 36% and terms of 12 to 54 months, with funds typically arriving in one to three business days. Loans are offered in most states through Oportun or its bank partners. Best for: thin-credit borrowers seeking a capped-APR option. Watch out: the administrative fee reduces the cash you receive.
LendingPoint
LendingPoint is an online lender aimed at fair-credit borrowers. Its site lists loans from $1,000 to $36,500 at APRs of 7.99% to 35.99% with terms of 24 to 72 months, plus a separate product from $500 to $10,000 with 24- to 48-month terms. Approved funds could arrive as soon as the next business day. Residents of Nevada and West Virginia are not eligible. Best for: borrowers with fair credit who want an online process and a longer term. Watch out: a longer term lowers the payment but raises total interest.
Upgrade
Upgrade is an online lender offering fixed-rate personal loans of $1,000 to $50,000, as listed on its site, at APRs of 7.74% to 35.99% and terms of 24 to 84 months. It charges an origination fee of 1.85% to 9.99%, deducted from proceeds. Funds are typically sent within one business day after verification, though direct payments to creditors can take up to two weeks. Some offers are not available in all states. Best for: borrowers who want a wide range of amounts and terms. Watch out: the fee is taken up front, so factor it into the amount you request.
Avant
Avant is an online lender listing loans of $2,000 to $35,000 at APRs of 9.95% to 35.99%, with terms of 24 to 60 months and minimum amounts that vary by state. It charges an administration fee of up to 9.99%, deducted from proceeds and treated as principal, so it accrues interest. Funds are generally deposited the next business day if approved by 4:30 p.m. Central, Monday through Friday. Applications are not accepted in some states. Best for: fair-credit borrowers who want a quick online decision. Watch out: the $2,000 minimum may exceed a small need.
Best Egg
Best Egg is an online lender listing loans from $2,000 to $50,000 at APRs of 6.99% to 35.99% and terms of 36 to 60 months. Origination fees run 0.99% to 9.99% of the loan amount, and terms of four years or longer carry at least 4.99%. Funding can take as little as 24 hours, though deposits may take one to three business days. Loans are not offered in Iowa, Nebraska, Vermont, West Virginia or Washington, D.C., and minimums are higher in Georgia, Ohio and Massachusetts. Best for: borrowers with good credit. Watch out: there are no terms shorter than 36 months.
Upstart
Upstart is an online lending platform that looks at more than a credit score when pricing a personal loan. Its site lists loans from $1,000 to $75,000 at APRs of 6.3% to 35.99%, with three- or five-year terms. State minimums differ, including $3,100 in Georgia, $1,500 in Hawaii and $7,000 in Massachusetts. Funds can be sent as fast as one business day after signing. Origination fees apply; its representative example shows 8.15%. Best for: borrowers with limited credit history but steady income. Watch out: the shortest term is 36 months, which adds interest on small balances.
Prosper
Prosper is a long-running online lending marketplace. Its site lists loans of $2,000 to $50,000 at APRs of 8.99% to 35.99%, with fixed monthly payments over two to six years. Funds can arrive as soon as one business day after requirements are complete. Origination fees may apply, and the amount is explained in its help center rather than on the main loan page. State availability is not listed there. Best for: borrowers who want a longer term and a fixed payment. Watch out: confirm the origination fee before accepting, because it changes both the APR and the cash you receive.
Universal Credit
Universal Credit is an online personal loan brand built for fair-credit borrowers. As listed in its public disclosures, loans run from $1,000 to $50,000 at APRs of 11.69% to 35.99%, with three- or five-year terms and no prepayment penalty. An origination fee of 5.25% to 9.99% is deducted from the proceeds. Funds can arrive within one business day after approval, and payments sent to other creditors can take up to two weeks. Best for: fair-credit borrowers who want a fixed payment. Watch out: even the lowest fee means you receive noticeably less than you borrow.
Reprise Financial
Reprise Financial is an online lender whose loans are originated by a bank partner in select states. Its site lists loans from $2,500 to $35,000, with a $3,500 minimum in Georgia, and APRs of 9.5% to 36%, generally higher on loans not secured by a vehicle. Funds can be available the next business day after approval. Third-party reviews report terms of three to five years and an origination fee of up to 6%. Best for: borrowers who may secure a loan with a vehicle to seek a lower rate. Watch out: Reprise is not available in every state.
Online lenders with APRs above 36%
Higher-cost online personal loan lenders approve many borrowers with poor or thin credit but often charge APRs from roughly 60% to well over 100%, depending on the state. Their loans can help in a pinch, yet total repayment can approach twice the amount borrowed.
NetCredit
NetCredit is an online lender offering loans up to $10,000 and a line of credit up to $4,500. Its site lists terms of 6 to 60 months and same-day funding for approvals before 1 p.m. Central on business days. APRs are posted state by state; third-party reviews report a range of roughly 34% to 99.99%. In some states, partner banks underwrite and fund the loans. Best for: borrowers with damaged credit who need a longer repayment window. Watch out: near the top of that range, total interest can approach or exceed the amount borrowed.
OppLoans
OppLoans services installment loans originated by bank partners. Its Ohio rates page lists loans of $500 to $5,000, terms of 9 to 24 months and APRs of 99% to 195%, and other states differ. Same-day funding may be available. Its rates page does not include Colorado, Connecticut, Iowa, Maryland, Massachusetts, New York, Oregon, South Dakota or Vermont. Best for: borrowers with poor credit, few other options and a short-term need. Watch out: its own Ohio example shows a $2,000 loan at 160% APR repaid with nine payments of $394.58, far more than a capped-rate loan would cost.
RISE
RISE is an online installment lender that advertises loans of $500 to $5,000. Its site says rates are customized and posted on a state-by-state rates page, payment schedules can be chosen within state limits, and early payoff carries no extra fee. Applications approved before 6 p.m. Eastern are typically funded the next business day. Third-party reviews report APRs from about 60% to 299% and availability in about 30 states. Best for: borrowers with poor credit who need a small amount fast. Watch out: at triple-digit APRs, every extra month adds real cost, so plan to repay early.
Personify Financial
Personify Financial is an online lender for fair and poor credit. Third-party reviews list loans of $500 to $15,000, estimated APRs of 36% to about 180%, and terms of roughly six months to four years, with availability in about 25 states. Its own site says funds are usually deposited in as little as one business day if you are approved and e-sign by 11:59 p.m. Central. Best for: borrowers declined elsewhere who need a mid-size amount. Watch out: read its state-by-state rates page before applying, because APRs vary widely.
Possible Finance
Possible Finance is an app-based lender offering small-dollar installment loans, listed as up to $500 with amounts and structure varying by state. Its site says funding typically happens within minutes, ACH transfers take one to two business days, and a due date can be moved up to 29 days with no rescheduling fee. Loans are offered in about 34 states through a bank partner or direct licenses, and APRs appear on sample schedules rather than as a range. Best for: very small, short needs. Watch out: an expedited delivery fee may apply in some states.
How to compare personal loan offers side by side
Comparing personal loan offers means lining up the APR, total of payments, origination fee, term and cash actually deposited for each offer, then choosing the lowest total cost with a payment you can comfortably afford.
- Compare APR, not just the interest rate. The APR folds in most fees, so it is the fairest single number for personal loan offers of the same amount and term.
- Check the total of payments. A lower monthly payment over a longer term can cost more overall. Our personal loan calculator shows how term length changes the total.
- Subtract the origination fee. Fees often run 1% to 10% of the loan and are usually deducted from the deposit, so you may receive less than you borrow.
- Confirm funding timing. Many online lenders can send funds as soon as the next business day after approval and e-signing; others take 2 to 5 business days, and bank processing times vary.
- Read the fine print. Check late fees, returned-payment fees and whether any prepayment penalty applies.
As a representative example, $2,000 borrowed for 12 months at 24.99% APR works out to about $190.08 per month and $2,280.94 total repaid (an estimate, no fees included). At 35.99% APR, the same 12-month loan would cost about $200.91 per month, and at 17.99% about $183.35. Current typical ranges are summarized on our personal loan rates page.
Many lenders run a soft credit inquiry to show a preliminary offer, which does not affect your scores; accepting a final offer usually triggers a hard inquiry. Collecting two or three prequalified personal loan offers before accepting one is a green path financial habit and a low-risk way to compare real numbers instead of advertised ranges.
Warning signs to watch for when comparing lenders
Personal loan warning signs include fees demanded before funding, pressure to sign the same day, missing APR disclosures and offers that promise approval regardless of credit. A legitimate lender discloses the APR and total cost in writing before you sign.
- A company asks you to pay a fee by gift card, wire or app transfer before releasing funds.
- The offer does not show an APR, finance charge and total of payments.
- A representative pushes you to renew an existing loan into a bigger one before you have paid down much principal.
- Credit insurance or other add-on products appear on the contract without explanation; ask whether each is optional.
- The lender is not licensed in your state. Your state financial regulator usually offers a license lookup.
Anyone who lands here from a greenpath debt search should know the same rule applies to every offer. Before trusting any greenpath review or lender rating site, compare its numbers against the lender's own disclosures and your written offer, since advertised ranges change often.
Where our free request form fits in
Our free request form lets you share one set of details and hear back from independent lenders that may offer personal loans of $500 to $5,000; submitting it is free and creates no obligation to accept any offer.
We are not a lender and do not make credit decisions or set rates or terms. The lenders that respond may or may not include the companies profiled here. Common basic requirements include being 18 or older (19 in Alabama and Nebraska), a regular source of income, an active checking account in your name and a Social Security number or ITIN; the full list is on our personal loan requirements page. When you are ready, you can start a free loan request and weigh any offers that arrive against the figures above.
Lenders may pay us for referrals, which does not change the facts shown on this page. A sensible green path financial approach to borrowing is simple: compare at least two offers, borrow only what you need, and choose the shortest term whose payment fits your budget.
Frequently asked questions
Why do some lender profiles on this page say varies by state?
Many installment lenders set amounts, APRs and terms under each state's lending law, and several do not publish one national range. When we could not verify a figure from the lender's own site or a reliable public source, we wrote varies by state instead of estimating it. Ask the lender for a written quote showing the APR, finance charge and total of payments for your state.
Are the 26 lenders in this comparison ranked from best to worst?
No. The lenders are grouped by type, branch-based or online, and by whether their published APRs stay near 36% or go higher. Within each group the order is not a ranking. The best for and watch out notes describe which borrowers a lender tends to fit, so you can judge the facts yourself rather than rely on a score.
Why do a few lenders here list APRs far above 36 percent?
Some lenders focus on borrowers with poor or thin credit and operate in states that allow higher rates, or work through bank partners. Their APRs can run from about 60% to well over 100%. Those loans may be available when others are not, but the total cost is much higher, so compare at least one capped-rate offer first if you can.
If I submit your request form, will I be matched with one of these lenders?
Not necessarily. Our free request form passes your details to independent lenders that may make an offer, and they may or may not include the companies listed here. Submitting is free and creates no obligation. Treat this page, or any greenpath review you read elsewhere, as a reference for judging whatever personal loan offers you receive.
How current are the lender figures shown in this green path financial comparison?
The figures reflect what each lender publicly listed when this page was last updated, as shown at the top of the page. Lenders change rates, fees, loan limits and state coverage regularly, so every number here is subject to change. Always confirm the current terms on the lender's own disclosures before accepting a personal loan.
