SSN, ITIN, or passport accepted
No credit history required
APR
35.95–35.99%
Term
12–48mo
Amount
$300–$10k
Homeowner with sufficient equity
Good credit score
APR
6.75–15.0%
Term
60–360mo
Amount
$15k–$750k
SSN required
US address
APR
6.99–24.99%
Term
36–72mo
Amount
$3.5k–$40k
US citizen or permanent resident
Employed or have an offer starting within 90 days
APR
4.24–10.37%
Term
60–240mo
Amount
$5k–$1000.0k
Navy Federal membership required (active duty, veterans, DoD civilians, and their families)
US citizen or permanent resident
APR
8.99–18.0%
Term
6–180mo
Amount
$250–$50k
FICO score 660+
Business at least 1 year old
APR
—
Term
1–18mo
Amount
$2k–$250k
US military member, veteran, or family
USAA membership required
APR
4.49–18.74%
Term
12–84mo
Amount
$5k
Homeowner with sufficient equity
US resident (not available in NY, HI, UT)
APR
8.5–11.5%
Term
60–360mo
Amount
$25k–$500k
SSN required
US address
APR
5.74–19.99%
Term
12–84mo
Amount
$3k–$100k
US citizen or permanent resident
Bachelor's degree or higher
APR
4.86–8.44%
Term
60–240mo
Amount
$10k–$300k
APR
8.95–35.99%
Term
24–60mo
Amount
$5k–$40k
Business at least 1 year old
Annual revenue $100,000+
APR
29.9%
Term
3–24mo
Amount
$5k–$250k
US resident
DCU membership (free to join)
APR
5.24–18.0%
Term
12–84mo
Amount
$500–$150k
Homeowner with equity in property
Credit union membership required
APR
5.99–7.5%
Term
60–240mo
Amount
$10k–$500k
Minimum credit score 600
US citizen or permanent resident
APR
5.96–35.99%
Term
24–60mo
Amount
$1k–$40k
US citizen or permanent resident
Degree from accredited institution
APR
4.49–8.89%
Term
60–240mo
Amount
$5k–$300k
APR
6.53–35.99%
Term
24–60mo
Amount
$1k–$40k
Business at least 2 years old
Annual revenue $120,000+
APR
6.2%
Term
6–12mo
Amount
$5k–$250k
APR
5.49–19.99%
Term
12–72mo
Amount
$5k–$100k
US citizen or permanent resident
Valid income documentation
APR
6.5–8.0%
Term
—
Amount
$50k–$2M
Achieve advertises rates from 6.25% APR and funding in 24–72 hours, but the page leaves terms, fees, and eligibility unanswered.
PenFed advertises rates from 6.39% with autopay, loans up to $50,000, and 60-month terms—but fees and eligibility need scrutiny.
