Compare Student Loans
Education financing and refinancing. Last updated April 2025.
SoFi
APR Range
8.99% – 25.81%
Check the lender for current rates
Loan Amount
$5,000 – $100,000
Min Credit
680+
SoFi offers competitive personal loans with no fees, unemployment protection, and member benefits.
You apply on the lender’s site
LightStream
APR Range
7.49% – 25.49%
Check the lender for current rates
Loan Amount
$5,000 – $100,000
Min Credit
660+
LightStream is the online lending division of Truist Bank, offering unsecured personal loans with no fees for borrowers with strong credit.
You apply on the lender’s site
Upgrade
APR Range
9.99% – 35.99%
Check the lender for current rates
Loan Amount
$1,000 – $50,000
Min Credit
580+
Upgrade offers accessible personal loans with flexible terms and fast funding for fair credit borrowers.
You apply on the lender’s site
Kabbage
APR Range
1.50% – 10.00%
Check the lender for current rates
Loan Amount
$2,000 – $250,000
Min Credit
560+
Kabbage by American Express provides flexible business lines of credit with fast approvals.
You apply on the lender’s site
Rocket Mortgage
APR Range
6.50% – 8.50%
Check the lender for current rates
Loan Amount
$45,000 – $2,500,000
Min Credit
620+
Rocket Mortgage is America's largest mortgage lender, offering a fully digital home loan experience.
You apply on the lender’s site
NetCredit
APR Range
34.00% – 155.00%
Check the lender for current rates
Loan Amount
$500 – $10,000
Min Credit
500+
NetCredit specializes in personal loans for borrowers with bad or limited credit history.
You apply on the lender’s site
Student Loans — Frequently Asked Questions
What is the best student loans rate right now?
Student Loans rates depend on the lender, loan amount, term and your credit profile, and they change often. Compare current offers from several lenders and check each lender's published rates before you apply.
How do I qualify for a student loans?
Most lenders require a minimum credit score of 580–680, verifiable income, and a debt-to-income ratio under 45–50%. Some lenders specialize in borrowers with lower credit scores. Compare your options above to find lenders that match your profile.
How long does it take to get funded?
Many online lenders fund within 1–3 business days after approval. Some offer same-day or next-day funding. Traditional banks can take 5–10 business days.