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Pros: Best Egg personal loans can range from $2,000 to $35,000, with repayment terms between three to five years

Cons: If you have a “fair” credit score, you won’t be eligible for the lowest APR available; you may get a rate as high as % so make sure to always make your monthly payments. You also can’t add a cosigner or co-borrower to your application to improve your chances of approval for a more favorable rate.

Best Egg

Overview: The online lender Best Egg offers unsecured personal loans for everything from debt consolidation and home improvement to moving, child care expenses, and adoption.

The minimum credit is 640, and you won’t be penalized if you want to pay off your loan early or make additional off-schedule payments.

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