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Grace Loan Advance Lender Comparison: 20 Personal Loan Options

If you searched for Grace Loan Advance to size up your choices, this page lines up 20 real U.S. lenders that offer installment personal loans in the $500–$5,000 range. Use it to compare APRs, fees and terms before you accept any offer.

Start my requestCheck rates
20Lenders compared
$500–$5,000Range we focus on
≈6%–36%Typical APR range
$0Cost to use our service
01

What this Grace Loan Advance lender comparison shows

Our comparison lists 20 U.S. lenders that offer installment personal loans reaching into the $500–$5,000 range, with each lender's published APR range, loan amounts, terms, fees and funding speed, plus who each one suits.

Every figure below was checked on the lender's own website first and on a well-known review site when the lender did not publish a number. Where a figure could not be confirmed, the entry says so instead of guessing. Lenders change their pricing often, so treat each number as a starting point and confirm it on the lender's site before you apply.

We only included installment loans: you borrow a fixed amount and repay it in equal payments over a set term. Products that must be repaid in one lump sum, or that require you to hand over a car title, are not on this list.

These lenders are listed for comparison only. They are not necessarily part of our network, and listing them is not an endorsement.

02

All 20 lenders at a glance

APR ceilings on this list run from 17.99% at a credit union to 35.99% at most online and branch lenders, and minimum loans range from $250 to $3,500, so the right fit depends on your amount and credit.

Published APR ranges, loan amounts and terms (check each lender's site for current figures)
LenderAPRLoan amountsTerms
Upgrade7.74%–35.99%$1,000–$50,00024–84 months
Avant9.95%–35.99%$2,000–$35,000 (state minimums vary)24–60 months
Happen Bank (formerly LendingClub)5.96%–35.99%$1,000–$75,00024–84 months
Upstart6.1%–35.99% (varies by state)$1,000–$75,000 (higher minimums in GA, HI, MA)3 or 5 years
Best Egg6.99%–35.99%$2,000–$50,000 (higher minimums in MA, OH, GA)36–60 months
Prosper8.99%–35.99%$2,000–$50,00024–72 months
LendingPoint7.99%–35.99%$1,000–$36,500 (higher minimums in GA, CO, HI)24–72 months
Universal Credit11.69%–35.99%$1,000–$50,00036–60 months
Rocket Loans7.99%–29.99% (low end with autopay)$2,000–$75,00036 or 60 months
OneMain Financial11.99%–35.99%$1,500–$35,000 (state limits apply)24–60 months
OportunUp to about 35.95% (lender example)$300–$10,000 unsecuredVaries; lender example is 30 months
Mariner Finance15.99%–35.99%$1,000–$25,000 ($1,500–$14,000 online)12–72 months
Regional Finance24%–35.99% per Finder; varies by state$600–$35,000 (varies by state)12–60 months
Lendmark Financial ServicesUp to 35.99%$2,000–$3,000 minimum by state; $8,000 unsecured max12–72 months
Republic FinanceUp to 35.99% (Finder)Varies by state; up to $25,00012–60 months
Reach Financial5.99%–31.79% (NerdWallet est.)$3,500–$40,0002–5 years
Discover6.99%–24.99%$2,500–$40,00036–84 months
Navy Federal Credit Union8.74%–18.00%$250–$50,000Up to 60 months
PenFed Credit Union6.09%–17.99% with autopay (Bankrate)$600–$50,000Up to 60 months
Alliant Credit UnionFrom 9.49% (12-month floor)$1,000–$100,00012, 24, 48 or 60 months

A low starting APR in this table only goes to the strongest applicants. If your credit is fair or still being rebuilt and you are weighing Grace Loan Advance offers against this list, look at the top of each range instead, since that is closer to what you may be offered. Our guide to how personal loan rates are set explains why two people can get very different prices from the same lender.

03

Lender-by-lender details

Each profile below gives the lender's published APR, amounts, terms, funding speed, credit score guidance and fees, followed by who it suits best, what to watch for, and a short summary in plain English.

Upgrade

APR
7.74%–35.99%
Amounts
$1,000–$50,000
Terms
24–84 months
Funding
Within 1 business day after verification
Min. credit
Not published
Fees
1.85%–9.99% origination, taken from proceeds

Upgrade offers fixed-rate personal loans starting at $1,000, which makes it one of the few large online lenders that reaches toward the lower end of our range. Terms run from two to seven years, so payments can be small, but a longer term adds interest. The origination fee comes out of the loan before you receive it, so borrow with that cut in mind.

Best for: Fair-credit borrowers who want a $1,000 starting point and a long term option.

Watch out: The origination fee shrinks the cash you receive, and long terms add interest.

Avant

APR
9.95%–35.99%
Amounts
$2,000–$35,000 (state minimums vary)
Terms
24–60 months
Funding
Often next business day if approved by 4:30 p.m. CT on a weekday
Min. credit
Not published
Fees
Administration fee up to 9.99%, taken from proceeds

Avant markets its personal loans to people with fair or still-building credit, and the loans are issued by WebBank. The smallest loan is $2,000 in most states, with higher minimums in some. An administration fee of up to 9.99% is taken out of the proceeds, so a $2,000 loan could put noticeably less than $2,000 in your account.

Best for: Borrowers with fair or rebuilding credit who need at least $2,000.

Watch out: Not available in every state, and the fee can be close to 10% of the loan.

Happen Bank (formerly LendingClub)

APR
5.96%–35.99%
Amounts
$1,000–$75,000
Terms
24–84 months
Funding
Not stated on its rates page
Min. credit
Not published
Fees
Mostly 0%–8%; can be higher through some partners

Happen Bank is the new name for LendingClub, which now operates as a national bank. Its personal loans start at $1,000 and can stretch up to seven years. Most origination fees fall between 0% and 8% of the loan, though the bank notes the fee can be higher when you apply through certain partner sites. Funding timing is not stated on its rates page.

Best for: Borrowers who want a bank lender with a $1,000 minimum.

Watch out: Check whether you arrived through a partner site, since the fee can be higher.

Upstart

APR
6.1%–35.99% (varies by state)
Amounts
$1,000–$75,000 (higher minimums in GA, HI, MA)
Terms
3 or 5 years
Funding
As fast as 24 hours after signing
Min. credit
Not published
Fees
Varies; lender example shows 8.31%

Upstart uses a model that looks at education, work history and other data alongside your credit report, which may help people with thin credit files. Personal loans start at $1,000 in most states, but Georgia, Hawaii and Massachusetts carry higher minimums. Only two terms are offered, three or five years, so it is less flexible if you want a fast payoff.

Best for: Borrowers with a short credit history but steady income or education.

Watch out: Only two term lengths, so a quick 12-month payoff plan is not an option.

Best Egg

APR
6.99%–35.99%
Amounts
$2,000–$50,000 (higher minimums in MA, OH, GA)
Terms
36–60 months
Funding
1–3 business days after verification
Min. credit
Not published
Fees
0.99%–9.99% (at least 4.99% on 4+ year terms)

Best Egg is an online lender with personal loans from $2,000 and terms of three to five years. The shortest term is 36 months, which keeps payments low but means more total interest than a one-year loan. Origination fees run from 0.99% to 9.99%, and the lender says fees on terms of four years or longer start at 4.99%.

Best for: Borrowers with good credit who are comfortable with a three-year minimum term.

Watch out: No term shorter than 36 months, which raises total interest on small loans.

Prosper

APR
8.99%–35.99%
Amounts
$2,000–$50,000
Terms
24–72 months
Funding
As soon as 1 business day after acceptance
Min. credit
640 (stated on lender page)
Fees
1%–9.99% origination

Prosper is a peer-to-peer style platform where loans are made by WebBank and backed by investor money. Personal loans start at $2,000 with terms of two to six years. The lender page says borrowers need a score of 640 or higher, and applicants under 600 may not qualify, so it is a weaker fit for credit that is still being rebuilt.

Best for: Borrowers with scores of 640 or higher who like a range of term lengths.

Watch out: Approval also depends on investor commitments, so funding is not certain.

LendingPoint

APR
7.99%–35.99%
Amounts
$1,000–$36,500 (higher minimums in GA, CO, HI)
Terms
24–72 months
Funding
Often next business day
Min. credit
Not published
Fees
Origination or other fees up to 10%, by state

LendingPoint focuses on borrowers with fair credit and offers personal loans from $1,000 in most states, with higher minimums in Georgia, Colorado and Hawaii. Terms run two to six years. The lender says fees of up to 10% may apply depending on where you live, so ask for the exact fee in writing and compare the APR, not just the monthly payment.

Best for: Fair-credit borrowers who need between $1,000 and $5,000.

Watch out: Fees depend on your state, so ask for the exact amount before signing.

Universal Credit

APR
11.69%–35.99%
Amounts
$1,000–$50,000
Terms
36–60 months
Funding
As soon as 1 day after verification
Min. credit
580 (cited by Bankrate)
Fees
5.25%–9.99%, taken from proceeds

Universal Credit is an online lender aimed at fair-credit borrowers, with personal loans from $1,000 and terms of three to five years. Its origination fee has one of the higher floors on this list, starting at 5.25% and reaching 9.99%, deducted from your funds. On a $1,000 loan, even the lowest fee would take $52.50 off the amount you receive.

Best for: Fair-credit borrowers who want an online lender with a $1,000 minimum.

Watch out: The fee floor is high, so small loans lose a larger share up front.

Rocket Loans

APR
7.99%–29.99% (low end with autopay)
Amounts
$2,000–$75,000
Terms
36 or 60 months
Funding
Often same day if finalized by 4 p.m. ET
Min. credit
640+ strongly recommended
Fees
Up to 9.99%

Rocket Loans is an online lender with a top APR of 29.99%, lower than the 35.99% ceiling many lenders use. The trade-off is a $2,000 minimum and only two term choices, 36 or 60 months. The lender says funds often arrive the same day when the loan is finalized by 4 p.m. Eastern, and it strongly recommends a score of 640 or higher.

Best for: Good-credit borrowers who want a lower APR ceiling and fast funding.

Watch out: Only two term lengths and a $2,000 minimum.

OneMain Financial

APR
11.99%–35.99%
Amounts
$1,500–$35,000 (state limits apply)
Terms
24–60 months
Funding
As soon as 1 hour to a debit card; 1–2 banking days by ACH
Min. credit
Not published
Fees
Flat $25–$500 or 1%–10%, by state

OneMain Financial works through branches as well as online and offers both unsecured loans and secured loans backed by a vehicle. Personal loans start at $1,500 in most states, with state-by-state minimums and maximums. The fee can be a flat $25 to $500 or 1% to 10% of the loan, which matters a lot on small balances, so read the fee line carefully.

Best for: Borrowers who want a branch to visit or can offer a vehicle as collateral.

Watch out: A secured loan puts your car at risk if you fall behind.

Oportun

APR
Up to about 35.95% (lender example)
Amounts
$300–$10,000 unsecured
Terms
Varies; lender example is 30 months
Funding
Not stated; direct deposit is fastest
Min. credit
No credit history required
Fees
Administrative fee up to 10%

Oportun lends to people with little or no credit history and lists its smallest unsecured loans at $300, with new customers typically borrowing $500 to $4,000. Payments are often due every two weeks rather than monthly. The examples on its site show APRs near 35%, and an administrative fee of up to 10% of the principal may apply.

Best for: Borrowers with little or no credit history who need a small amount.

Watch out: APRs sit near the top of the market, and payments are often every two weeks.

Mariner Finance

APR
15.99%–35.99%
Amounts
$1,000–$25,000 ($1,500–$14,000 online)
Terms
12–72 months
Funding
Not stated
Min. credit
Not published
Fees
Origination fees may apply; no range listed

Mariner Finance combines a branch network with online applications. Online personal loans run from $1,500 to $14,000 and are originated by WebBank, while branch loans can range from $1,000 to $25,000. Terms stretch from 12 to 72 months. The lender does not list a fee range, only noting that origination fees may apply and can reduce the cash you receive.

Best for: Borrowers who want a 12-month term option and branch support.

Watch out: The APR floor is higher than most online lenders on this list.

Regional Finance

APR
24%–35.99% per Finder; varies by state
Amounts
$600–$35,000 (varies by state)
Terms
12–60 months
Funding
As fast as 24 hours
Min. credit
Not published
Fees
Origination, late and NSF fees may apply

Regional Finance is a branch-based installment lender that also takes applications online. Amounts start at $600 and maximums vary by state. A review on Finder lists APRs of 24% to 35.99%, but it also notes that some customers report higher rates depending on the state, so confirm the APR on your own loan documents before you sign anything.

Best for: Borrowers who need as little as $600 and prefer a local branch.

Watch out: Rates vary by state, so the APR on your contract is the one that counts.

Lendmark Financial Services

APR
Up to 35.99%
Amounts
$2,000–$3,000 minimum by state; $8,000 unsecured max
Terms
12–72 months
Funding
Same-day funding may be available
Min. credit
Not published
Fees
Origination or other fees by state law

Lendmark Financial Services is a branch-based lender that caps APRs on new loans at 35.99%. Its FAQ lists minimum personal loans of $2,000 in Florida, Louisiana and Mississippi and $3,000 in its other listed states, with unsecured loans topping out at $8,000. Larger loans require collateral. Terms range from 12 to 72 months, and state-based fees may apply.

Best for: Borrowers near a branch who need $2,000 to $8,000.

Watch out: Loans above $8,000 need collateral, and minimums are high for small needs.

Republic Finance

APR
Up to 35.99% (Finder)
Amounts
Varies by state; up to $25,000
Terms
12–60 months
Funding
Same day in branch; 1–2 business days online
Min. credit
No minimum published
Fees
Origination, late and NSF fees may apply

Republic Finance works mainly through local branches and offers terms of 12 to 60 months. It does not publish a clear loan range online, and its own site gives one example: $7,000 at 30.04% APR over 60 months. Finder lists APRs up to 35.99% and notes that origination, late and NSF fees may apply, so get every fee in writing.

Best for: Borrowers who want to sit down with a loan officer in person.

Watch out: Fee details are not published clearly online.

Reach Financial

APR
5.99%–31.79% (NerdWallet est.)
Amounts
$3,500–$40,000
Terms
2–5 years
Funding
As soon as next day
Min. credit
660 (NerdWallet)
Fees
5%–7.19% origination

Reach Financial is an online lender whose personal loans start at $3,500, so it only covers the top of the $500–$5,000 range. NerdWallet lists a minimum score of 660 and an origination fee of 5% to 7.19%. The lender also offers a rate discount when you use the loan for debt consolidation, which can help if you are paying off several cards.

Best for: Good-credit borrowers consolidating several card balances.

Watch out: The $3,500 minimum rules it out for small needs.

Discover

APR
6.99%–24.99%
Amounts
$2,500–$40,000
Terms
36–84 months
Funding
As early as next business day after acceptance
Min. credit
Not published ($25,000 income minimum)
Fees
None

Discover offers personal loans from $2,500 with terms of three to seven years and says it charges no fees of any kind, including no origination fee. Its listed APR tops out at 24.99%, below many online lenders. You need at least $25,000 in yearly income to apply, and the minimum loan amount means it does not serve very small needs.

Best for: Good-credit borrowers who want no fees and a lower APR ceiling.

Watch out: The $2,500 minimum and 36-month shortest term do not suit small needs.

Navy Federal Credit Union

APR
8.74%–18.00%
Amounts
$250–$50,000
Terms
Up to 60 months
Funding
Most loans fund the same day
Min. credit
Not published
Fees
None

Navy Federal Credit Union serves the military community, and you must be a member and at least 18 to borrow. Personal loans start at just $250, and APRs top out at 18.00%, far below the 35.99% ceiling at many online lenders. There are no origination or prepayment fees, and the credit union says most personal loans fund the same day.

Best for: Eligible members who need a small loan at a low APR ceiling.

Watch out: Membership is required, and not everyone can join.

PenFed Credit Union

APR
6.09%–17.99% with autopay (Bankrate)
Amounts
$600–$50,000
Terms
Up to 60 months
Funding
1–2 days; direct deposit as soon as next business day
Min. credit
Not disclosed
Fees
None

PenFed Credit Union lets guests apply and creates a membership as part of the process. Personal loans start at $600, which fits small needs, and Bankrate lists APRs of 6.09% to 17.99% with autopay; PenFed says rates without autopay are a quarter point higher. There is no origination or prepayment fee, though the lowest rates require excellent credit.

Best for: Good-credit borrowers who need $600 or more and want no fees.

Watch out: The lowest rates require excellent credit.

Alliant Credit Union

APR
From 9.49% (12-month floor)
Amounts
$1,000–$100,000
Terms
12, 24, 48 or 60 months
Funding
Usually same day after approval
Min. credit
Not published
Fees
None

Alliant Credit Union is an online-first credit union. Personal loans start at $1,000 and terms come in 12, 24, 48 or 60 months. Its starting rates rise with the term, from 9.49% at 12 months to 12.49% at 60 months, and approved members usually get funds the same day. You must be a member for at least 90 days before you apply.

Best for: Members who want a 12-month option with no origination fee.

Watch out: You must be a member for 90 days before you can apply.

04

How to compare personal loan offers side by side

Compare personal loans by APR first, then total repaid, then the fee taken from your funds, then the term. The lowest monthly payment is often the most expensive loan once every month is added up.

The APR folds the interest rate and most fees into one yearly figure, which makes it the fairest single number for comparison. Our plain-English APR definition covers what is and is not included.

Estimated cost of $2,000 over 12 months at different APRs (examples only)
APREst. monthly paymentEst. total repaid
9.99%$175.82$2,109.87
17.99%$183.35$2,200.21
24.99%$190.08$2,280.94
29.99%$194.96$2,339.57
35.99%$200.91$2,410.97

In this example, moving from 35.99% to 17.99% saves about $210 over one year on the same $2,000. Our representative example, $2,000 over 12 months at 24.99% APR, works out to roughly $190.08 a month and $2,280.94 in total, or $280.94 in interest.

Watch the fee that comes out up front

Many lenders above deduct an origination fee from the loan. A 5% fee on $2,000 is $100, so only $1,900 reaches your account while you still repay $2,000 plus interest. If you need a full $2,000 in hand, you may have to borrow a little more.

  1. Prequalify with a soft credit check where the lender offers it, so rate shopping does not dent your score.
  2. Line up offers using the same amount and term so the numbers are truly comparable.
  3. Write down the APR, the fee in dollars, the monthly payment and the total repaid for each one.
  4. Check whether the lender charges late fees or a fee for paying by card, and confirm there is no prepayment penalty.
  5. Run the payment through our personal loan payment calculator and make sure it fits your monthly budget with room to spare.
05

Online lenders, branch lenders and credit unions

Online lenders move fastest, branch-based installment lenders serve more credit profiles and smaller amounts, and credit unions usually charge the least but require membership. Each group has a clear trade-off.

Online lenders

Upgrade, Upstart, Best Egg, Prosper, LendingPoint, Universal Credit, Rocket Loans and Reach Financial apply fully online, often fund within a day or two, and mostly start at $1,000 to $2,000.

Branch-based lenders

OneMain Financial, Mariner Finance, Regional Finance, Lendmark and Republic Finance let you meet someone in person and may consider weaker credit, but APRs often sit near 36%.

Credit unions and banks

Navy Federal, PenFed and Alliant cap rates far lower and charge no origination fee. Happen Bank and Discover are banks with wider eligibility but higher minimums.

If you only need $500 to $1,000, your shortlist gets small fast. Navy Federal, PenFed, Oportun and Regional Finance list minimums at or below $600, and Upgrade, Happen Bank, Upstart, LendingPoint, Universal Credit and Alliant start at $1,000. Lenders with $2,000 or higher minimums only make sense if you truly need that much.

06

How our service differs from the lenders on this list

Our service is a free loan-request connector, not a lender. You fill one form, we pass it to lenders and lending partners in our network, and any lender that makes an offer sets the rate, terms and decision and funds the loan.

The 20 lenders on this page are listed for comparison only. They are not necessarily in our network, we do not receive their applications for you, and nothing here means they will approve you. Figures change often, so always check the lender's own site for current rates, fees and state availability.

People who look up Grace Loan Advance reviews or graceloanadvance often want to know whether a connector is worth using. The honest answer: one request can surface offers you might not find yourself, but you still need to compare those offers against the lenders above. Using our service is free, carries no obligation, and is not available in every state. See how our request process works for each step.

07

Red flags to watch for when comparing lenders

Walk away from any lender or website that asks for money before funding, promises approval without checking anything, pressures you to sign today, or will not show the APR in writing before you commit.

  • Upfront fees: legitimate lenders deduct fees from the loan or add them to it. A request to pay by gift card, wire or app before you get funds is a scam warning sign.
  • Promised approval: no honest lender can promise approval before reviewing your application.
  • Missing APR: lenders must disclose the APR before you sign. If you only see a monthly payment, ask for the APR and total repaid.
  • Unlicensed lenders: most states license consumer lenders. Your state's financial regulator can confirm whether a lender is allowed to lend where you live.
  • Look-alike names: searches for phrases like Grace Loan Advance or grace advance loans can surface sites with similar names. Check the exact web address, the lender's legal name and its license before sharing personal details.
  • Pressure to borrow more: an offer for more than you asked for raises your total cost. Accept only what you need.

Before you act on any Grace Loan Advance search result, you can also search the Consumer Financial Protection Bureau's public complaint database for any lender's name to see what kinds of problems borrowers have reported and how the company responded.

FAQ

Frequently asked questions

Why do some lenders on this list start above $500?

Many online lenders set minimums of $1,000 to $2,500 because small loans earn them little. If you need less, credit unions and some branch lenders on this list start lower, and our eligibility guide covers what they check.

Are the lenders on this page part of your network?

Not necessarily. We list them so you can compare the wider market. Lenders in our network may differ, and any offer you get through the request form will show its own rate and terms.

How should I use this comparison next to a Grace Loan Advance search?

Use it as a benchmark. If an offer you receive has a higher APR or larger fee than the lenders here for a similar amount and term, you have a reason to keep shopping or to ask for better terms.

How often do these figures change?

Lenders can change APR ranges, fees and minimums at any time, and some vary by state. Treat every figure here as a guide and confirm it on the lender's own site before applying.

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