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Min. credit score 620
Min. down payment 3%
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PROS:
  • Posts current mortgage rates on its website.
  • Has an online application for mortgage preapproval and a digital tool to track application progress.
  • Offers several affordable loan options, including FHA, VA, USDA and the PNC Community Loan.
CONS:
  • Doesn't offer renovation mortgages.
  • In-person service is not available in every state
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MAX LOAN AMOUNT $100,000
MIN. CREDIT SCORE 720
EST. APR 13.74-15.74
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PROS:
  • Bank line of credit with competitive interest rates.
  • Can fund as quickly as the same business day.
  • Monthly repayments with no set term.
CONS:
  • Requires high minimum credit score and multiple years in business.
  • Requires personal guarantee.
  • Businesses in certain states and industries are ineligible.
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ANNUAL FEE: $0
REWARDS RATE: 1.5% Cashback
INTRO OFFER: $0
RECOMMENDED CREDIT SCORE: 300-850
 
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PROS:
  • No annual fee or foreign transaction fees.
  • Simple, straightforward rewards.
  • No personal guarantee or credit check.
  • Direct integrations with popular tools and card-level spending controls and alerts.
CONS:
  • Balance must be paid in full each month.
  • Not available to sole proprietors or unincorporated businesses.
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Est. APR 1.99-16.00%
Loan amount $12,000-$100,000
Min. credit score 500
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PROS:
  • Offers pre-qualification with a soft credit check.
  • Customer service available on Saturdays.
  • Some network lenders offer rate discount with automatic payment.
  • RateGenius handles title transfer.
CONS:
  • May charge origination fee up to $395.
  • Minimum loan amount is higher than other lenders.
  • Mileage restrictions are lower than other lenders.
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Est. APR 1.75-21.00%
Loan amount $12,000-$100,000
Min. credit score 500
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PROS:
  • Offers pre-qualification with a soft credit check.
  • Provides average daily rates by credit score on website.
  • Customer service available on Saturday.
  • Some network lenders offer rate discount with automatic payment.
CONS:
  • May charge an origination fee up to $395.
  • Minimum loan amount is higher than other lenders.
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Est. APR 1.99-17.99%
Loan amount $5,000-$100,000
Min. credit score 500
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PROS:
  • Offers pre-qualification with a soft credit check.
  • Some network lenders offer rate discount with automatic payment.
  • Customer service available on Saturday.
  • Provides Spanish version of website.
CONS:
  • Charges an origination fee of $395.
  • Not available in a few states.
  • Fully online application not available for applicants who prefer it.
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Est. APR 1.99-17.99%
Loan amount $5,000-$100,000
Min. credit score 500
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PROS:
  • No vehicle restrictions.
  • Provides rate estimates through website using a soft credit check.
  • Offers rate discount with automatic payment.
  • Provides online car buying service with discounted pricing and loan preapproval.
  • Allows co-signers.
CONS:
  • Charges an origination fee of $395.
  • Not available in a few states.
  • Fully online application not available for applicants who prefer it.
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Monthly Fee: 0
APY: N/A
Min. Opening Deposit: 0
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PROS:
  • No monthly fees or minimum opening deposit.
  • Unlimited fee-free transactions; no overdraft fees.
  • No foreign transaction fees when you use your Relay Mastercard abroad.
  • Supports multiple accounts; employee debit cards with transaction and withdrawal limits.
CONS:
  • Can't deposit cash or order checks.
  • Limited phone support. Email support available seven days a week.
  • Deposited checks are held for up to 6-7 business days.
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Fees $0 per trade

Account minimum $0

Promotion 1 Free Stock after linking your bank account (stock value range $5.00-$200)

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Free!
PROS:
  • No account minimum.
  • Streamlined interface.
  • Cryptocurrency trading.
CONS:
  • No retirement accounts.
  • No mutual funds or bonds.
  • Limited customer support.
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Min. credit score 620
National / regional
National
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PROS:
  • Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
  • Estimates the loan amount you’ll qualify for within minutes.
  • Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.
CONS:
  • Getting a customized interest rate requires a credit check, which can affect your credit score.
  • Doesn't offer home equity loans or lines of credit.
  • Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
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Min. credit score Mid-600's
Fixed APR 3.75-13.72%
Variable APR 3.37-13.72%
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PROS:
  • One of the few lenders to provide loans to part-time students.
  • Borrowers can access online tutoring and free credit score tracking.
  • Non-U.S. citizens, including DACA students, can apply with a U.S. co-signer.
CONS:
  • You can't see if you’ll qualify and what rate you’ll get without a hard credit check.
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MAX LOAN AMOUNT $5,000,000
MIN. CREDIT SCORE 650
EST. APR 8.50-11.00
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PROS:
  • Available as a term loan or line of credit.
  • Interest rates are capped.
  • Long repayment terms available.
CONS:
  • Personal guarantee is required.
  • Collateral is typically required.
  • Longer processing times than online lenders.
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