Select a category that you are interested in and get started to evaluate your best financing options.
DirectLendersList.com is a comprehensive, one-stop consumer and business loan platform. Our collaboration with reputable financing companies in the United States ensures that customers visiting our website can easily discover suitable financial products or services from trusted providers.
Explore a wide range of financing companies on DirectLendersList.com, spanning various sectors such as Personal Loans, Auto Loans, Home Loans, Student Loans, and Business Loans.
Each lending company featured on our site has a dedicated overview page outlining the types of products and services they provide. You can access detailed information about their offerings by clicking on your preferred provider. Utilize the “Go to site” button to be seamlessly redirected to the provider’s site, enabling you to submit your application directly.
Our partnerships extend to Direct State Licensed Lenders, Peer-to-Peer Lending Companies, Credit Card Issuers, Business Lending Companies, Lender Connecting Marketplaces, Lending Platforms, Licensed Credit Access Businesses, and Registered Credit Services Organizations. We have categorized them based on their product offerings, ensuring a streamlined and user-friendly experience for our visitors.
Access a comprehensive array of financial products and services with our trusted partnerships. We have partnered with reputable direct lenders, lender-connecting marketplaces, and lending platforms.
Discover financing options in your state with ease! Use our search lenders by state feature to select the product type and state you're interested in and find tailored lending solutions for your specific location.
Simplify your financial choices—swiftly and easily compare business loans, consumer loans, and credit cards from a range of providers, empowering you to select the company that aligns perfectly with your needs.
Your security is our priority. Directlenderslist is safeguarded with SSL, ensuring the utmost protection of your data. We do not collect personal information, and our partner companies also use SSL encryption to safeguard your data.
Experience transparency and no hidden costs—our site is fee-free. We earn compensation through commissions from the listed companies when you acquire any financial product or service through our platform.
Easily connect with direct lenders, lending platforms, and lender-connecting marketplaces in three simple steps.
Select a category of interest to begin and explore trusted providers within the chosen category, ensuring a personalized and reliable experience.
Empower your decision-making process by selecting a lender or lending partner that suits your preferences. Compare features to identify the optimal financing option for your unique needs.
After choosing your lender or lending marketplace, click the “Go to Site” button to begin your financial journey confidently.
Most frequently asked questions about DirectLendersList
Directlenderslist.com is a comprehensive platform that assists both consumers and businesses in navigating various financial products and services. The platform is designed to provide users with a streamlined and user-friendly experience. With a commitment to clarity, fairness, and transparency, Directlenderslist.com ensures its users can explore their options effectively.
Here’s a step-by-step process to help you make informed decisions and secure financing.
Select Your Category: Choose the category that aligns with your financial needs, whether personal loans, business loans, credit cards, or other financial products.
Explore Listings: Browse through the listings of companies within the selected category. Each listing provides a clear and detailed overview of the products and services offered by the company.
In-depth Overview: Click on the overview tab to gain an in-depth understanding of the company’s offerings. This ensures you have all the information you need to make an informed decision.
Make Your Selection: Once satisfied with a particular company and its offerings, select based on your circumstances.
Apply with Confidence: Click on the “Go to Site” or “Visit Site” button to apply for financing directly through the chosen company’s website. This streamlined process ensures a seamless transition from exploration to application.
Directlenderslist.com is a free service for finding lending products and services. We do not charge our users any fees. However, the companies listed on our website may compensate us for advertising their products or services. Some companies may even commission us if you obtain financial products or services from them. Additionally, some companies may pay us to direct you to their site.
The “States Serviced” tab, featured on each listed company on our platform, provides crucial information about the geographical availability of financial products and services offered by the provider. Here’s how this feature works:
Accessibility: The tab is easily accessible on the profile of each listed company. It acts as a quick reference point for users exploring financial options.
Product Availability: Customers can check the tab to determine which financial products and services the provider offers. This ensures clarity on the type of assistance available.
Geographical Coverage: The tab explicitly states the states where the provider operates. This information is vital for users to understand whether the services extend to their location.
Non-Service Indication: If a particular state is not mentioned, the provider does not offer their financial products and services in that state. This transparency prevents users from applying for services that may not be available in their region.
Alternative Options: If a particular provider does not service your state, Directlenderslist.com offers a wealth of alternatives. Users can easily explore other listings that cater to their state, ensuring they find suitable financial solutions.
The “States Serviced” tab enhances user experience by providing clear and concise information, facilitating informed decisions based on product offerings and geographical coverage.
The “Search Lenders by State” feature is a user-friendly tool designed to streamline the process of finding a direct lender or financial provider that caters to specific states. Here’s how this feature works:
User-Friendly Dropdown: Users can effortlessly select their preferred financial category using the dropdown menu. Whether it’s personal loans, business loans, credit cards, or other financial products, the feature ensures a tailored search experience.
Select Your State: Users can choose their residence from the dropdown menu. This step is crucial for narrowing the search of providers within the user’s geographical location.
Initiate the Search: Once the preferred category and state are selected, a simple click on the search button initiates the process. This action compiles a list of companies offering financial products and services in the chosen state and category.
Browse Relevant Results: Users can conveniently browse through the displayed results, making it easy to identify and choose a lender that aligns with their financial needs and operates in their state.
LendingPoint Personal Loan Disclosure
* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
SoFi Personal Loan Disclosure
Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 11/12/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change.
Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.
Universal Credit Personal Loan Disclosure
Upstart Personal Loan Disclosure
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.
The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.10% and a 8.53% origination fee of $853, for an APR of 24.65%. In this example, the borrower will receive $9,147 and will make 60 monthly payments of $267. APR is calculated based on 5-year rates offered in June 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Upgrade Personal Loan Disclosure
Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners.
DirectLendersList is not a review site; instead, it provides a comprehensive overview of financial products and services and incorporates the Web Rating feature to assist users in making informed decisions.
Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.
At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.
The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.
Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided “as-is,” with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven’t been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
