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Big Think Capital Overview

Big Think Capital is a lending marketplace and a trusted financial partner dedicated to supporting businesses in their growth journey. Offering a wide range of funding options, including business term loans, equipment financing, merchant cash advances, SBA loans, invoice factoring, and more, they simplify the loan application process through their user-friendly platform. With competitive interest rates and experienced professionals providing tailored assistance, they ensure transparent communication and a seamless experience. As a reputable choice with an A+ BBB rating and positive reviews, Big Think Capital stands as a reliable and comprehensive solution for businesses seeking financing to propel their success forward.

Empowering Small Business Growth Through Financial Solutions

Advertising Disclosure

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.

  • Last Updated: April 23, 2025
Small Business Loans

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.

Web Rating: -
Rated 4.8 out of 5

Features

  • Big Think Capital provides access to loan amounts ranging from $10,000 to $1,000,000.
  • Simple online process with expert guidance along the way.
  • Secure small business loans through Big Think Capital, even with low credit scores.
  • Quick decisions mean faster access to funds.
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About Big Think Capital

Big Think Capital is a financial services marketplace catering to small business owners. The company was founded in 2017 under the visionary leadership of David Brown. At Big Think Capital, trust and integrity are given the utmost priority. The company is a pioneer in alternative financing. It uses technology and strategic partnerships to provide business owners with a wide range of customized financial solutions to meet their specific needs.

In the past 5 years, the company has helped over 15,000 business owners secure funding totaling over $500 million. Big Think Capital is dedicated to supporting small businesses nationwide and has a skilled team ready to assist you. From education to application, they ensure a smooth process and prompt access to necessary funding.

Your Partner in Financial Growth

Big Think Capital is committed to helping small businesses obtain the necessary funding. Big Think Capital’s primary focus is to act as a bridge between business owners and the most appropriate lenders, ensuring that you get the most favorable terms available. Every business has its own unique objectives, and they aim to support you in achieving them.

Simplified Funding with Personal Guidance

Big Think Capital does all the legwork for you when you apply for a loan. They gather offers from their network of direct lenders, giving you the freedom to select the one that best suits your needs. Their team experts will guide you throughout the loan process, ensuring clarity, efficiency, and peace of mind, from submitting your application to receiving the funds. They will assist you every step of the way.

Diverse Loan Options, Tailored Solutions

Big Think Capital recognizes that the financial needs of small businesses vary widely. That’s why they offer a comprehensive suite of loan options catering to your circumstances. Whether you’re seeking funds for expansion, day-to-day operations, or special projects, the platform is designed to assist you in finding an ideal business loan that aligns with your vision.

Big Think Capital: Details & Qualifications

Details

  • Loan Amount:- $10,000 to $1,000,000
  • Loan Terms:-  6 months to 25 years*
  • APR:- Starting from 7%
  • Lender Type:- Lending Marketplace
  • Loan Type:- Small Business Loans

Qualifications

  • Time in Business:- 6+ months
  • Collateral Required:- Varies on the loan type
  • State Restrictions:- Available in all States
  • Minimum Revenue:- Varies
  • Credit Score:- 500 or Above

Note that loan specifics, such as the loan amount, terms, APR, time in business, collateral requirements, minimum revenue, and credit score requirements, may vary depending on the type of loan.

Pros and cons of Big Think Capital

Pros

  • Get loan offers from multiple lenders.
  • Open for all credit types
  • Top-rated customer service
  • Get funded as early as 24 hours

Cons

  • Borrowers with poor credit may encounter high APRs
  • Some loan types may require collateral

Big Think Capital: Business Financing Types Offered

Big Think Capital offers a range of business loan options, collaborating with an extensive network of direct lenders to provide heightened flexibility and greater control over your finances. You have the opportunity to apply for the following types of loans through Big Think Capital:

SBA Loans

SBA loans, backed by the U.S. Small Business Administration, offer lifelines to business owners seeking funding. With favorable terms, lower interest rates, extended repayment periods, and there are various loan types to choose from, SBA loans empower small businesses to expand, invest, and thrive. From real estate ventures to working capital needs, SBA loans provide flexible solutions tailored to diverse business goals.

SBA 7(A) Loan

The SBA 7(a) Loan is an excellent opportunity to make your business dreams a reality. This loan type is incredibly flexible and can cater to a wide range of needs, such as expanding your business, procuring essential inventory, and acquiring real estate.

Loan Essentials:

Loan Amount

Up to $350,000 for Working Capital

Up to $5 million for Commercial Real Estate

Term

5 to 25 Years

Interest Rate

6% – 13%

Funding Time

30 to 60 days

Why SBA 7(A) Loan?

Versatility: Flexibility to address a variety of business needs.

Wide-Ranging Goals: expanding purposes, purchasing equipment, inventory, or real estate.

Favorable Rates: Competitive interest rates for budget-friendly repayment.

Long Repayment Terms: Up to 25 years for extended financial comfort.

CDC/504 Fixed Asset Loan

The CDC/504 Fixed Asset Loan is designed to help businesses acquire large, long-lasting assets such as real estate, machinery, and heavy equipment. This loan is a valuable tool for supporting your business’s growth. Whether upgrading your operations, expanding your facilities, or improving efficiency, the CDC/504 Fixed Asset Loan enables you to invest significantly in your business’s future.

Loan Essentials:

Loan Amount

Up to $5 million ($5.5 million for manufacturers)

Term

10 to 20 Years

Interest Rate

3% – 6.5%

Funding Time

30 to 60 days

Why CDC/504 Fixed Asset Loan?

Major Assets: Designed for purchasing long-lasting assets crucial for business growth.

Flexible Terms: Enjoy up to 20 years for repayment, aligning with your business strategy.

Competitive Rates: Benefit from low interest rates for cost-effective financing.

SBA CAPLines: Short-Term Capital

SBA CAPLines ( Lines of Credit ) presents a dynamic solution for addressing short-term capital needs through its innovative working line of credit program. This loan is ideal for managing seasonal fluctuations or seizing immediate opportunities, giving your business the flexibility to adapt to evolving financial requirements.

Loan Essentials:

Loan Amount

Up to $5 million ($200,000 for small asset-based)

Term

Up to 5 Years

Interest Rate

5.75% – 8.25%

Funding Time

As little as 30 days

Why SBA CAPLines?

Responsive Funding: Access readily available funds precisely when needed.

Short-Term Focus: Tailored for short-term financial scenarios.

Strategic Flexibility: Use funds for various operational aspects.

Competitive Rates: Benefit from favorable interest rates.

SBA Export Loans: Globalize Your Business Horizons

SBA Export Loans offers a range of options to help you achieve your goals if you’re looking to expand your business into international markets. These loans include Export Working Capital Loans, Export Express Loans, and International Trade Loans, which can provide the financial foundation you need to succeed in new territories or strengthen your existing global endeavors. With the help of SBA Export Loans, you can confidently pave the way for business expansion and conquer international markets.

Loan Essentials:

Loan Amount

Up to $5 million

Term

Up to 25 Years

Interest Rate

8% – 10%

Funding Time

Up to 30 days

Why SBA Export Loans?

Global Opportunities: Seize the potential of international expansion.

Diverse Loan Types: Choose from various specialized export loan options.

Extended Terms: Benefit from up to 25 years for repayment.

Competitive Rates: Enjoy attractive interest rates for cost-effective financing.

MicroLoan Program: Energize Your Business With Small Steps

The MicroLoan Program is an excellent option for obtaining smaller funding for your business. It can help inject working capital into different areas of your company, such as refining operations, managing expenses, or investing in incremental enhancements; the MicroLoan Program empowers you to make meaningful progress.

Loan Essentials:

Loan Amount

Up to $50,000

Term

Up to 6 Years

Interest Rate

8% – 13%

Funding Time

As soon as 30 days

Why MicroLoan Program?

Flexible Funding: Tailored for smaller-scale business requirements.

Working Capital Boost: Infuse funds for various operational needs.

Manageable Terms: Up to 6 years for repayment, keeping flexibility in mind.

Reasonable Rates: Get cost-effective financing with competitive interest rates.

Disaster Loans: Rebuild and Rebound

SBA Disaster Loans offer a lifeline for businesses struck by natural calamities. Three types of loans are available, depending on the damage your business has suffered. These loans provide essential recovery support to help you rebound. When nature strikes, SBA Disaster Loans stand as a dependable resource to help you rebuild, restore, and reestablish your business’s footing.

Loan Essentials:

Loan Amount

Up to $2 million

Term

3 to 30 Years

Interest Rate

4% – 8%

Funding Time

Up to 30 days

Why SBA Disaster Loans?

Tailored Recovery: Designed to aid businesses in the aftermath of disasters.

Flexible Terms: Choose from 3 to 30 years for repayment, depending on your situation.

Essential Funds: Receive vital financial support for rebuilding efforts.

Competitive Rates: Enjoy interest rates tailored for recovery needs.

SBA Loans: Qualification

  • 600+ credit score
  • 2 years in business
  • $100,000 in yearly revenue

Documentation

  • Basic information about you and your business
  • Bank statements for the last 3 months
  • Business in good standing

Ready to Apply? Check If You Qualify!

Visit Big Think Capital

Buiness Lines of Credit

Business lines of credit provide a flexible financing solution for enterprises seeking funds. Business owners highly favor this option as it allows them to borrow up to a predetermined limit and only pay interest on the amount utilized. Unlike traditional loans, credit lines offer repayment flexibility, making them an ideal choice for businesses with varying financial needs.

Business Line of Credit Essentials:

Credit Range

$10,000 – $1 million

Term

Up to 5 Years

Rates

As low as 7%

Decisions

As soon as 24 hours

Why Business Lines of Credit?

• Get quick access to short-term funding.

• Lower revenue requirements.

• Easy application.

• Boost to the credit profile.

• Ongoing borrowing capabilities.

Business Lines of Credit: Qualification

  • 600+ credit score
  • 6+ months in business
  • $50,000 in yearly revenue
  • Company must be in good standing

Documentation

  • Basic details about yourself and your business
  • Business bank statements for the past three months

Commercial Real Estate Loans

Commercial real estate loans refer to financial arrangements that enable purchasing, refinancing, or developing commercial properties, such as office buildings, retail spaces, industrial facilities, hotels, and apartment complexes. These loans are primarily sought by businesses and investors interested in acquiring or investing in income-generating properties.

Unlike residential mortgages, commercial real estate loans are tailored for business-related purposes and can have varying terms, repayment structures, and interest rates. 

Commercial Real Estate Loan Essentials:

Loan Amount

Up to $100M

Term

Up to 30 Years

Rates

Extremely competitive

Decisions

As quick as 72 hours

Why Commercial Real Estate Loans?

• Explore commercial real estate loans ranging from $100k to $100M.

• Receive decisions in as little as 72 hours.

• Experience flexibility in loan terms and payments.

• Get a loan even if you have less-than-perfect credit.

Commercial Real Estate Loan: Qualification

  • 550+ credit score
  • 2+ years in business

Documentation

  • Essential information about your business
  • Basic property details
  • Proof of good standing for your business

Equipment Financing

Equipment financing simplifies the process of securing funds for necessary equipment, making it hassle-free. As your business grows, the need for additional equipment increases. To address this, business equipment financing provides a streamlined solution to sustain peak operational performance and accommodate rising demands. It’s common for businesses to reach a critical juncture where acquiring additional equipment is essential for enhancing efficiency and staying competitive. However, the upfront costs of acquiring equipment may burden your working capital. This is where equipment financing can be a strategic remedy, offering a tailored solution to address this challenge.

Equipment Financing Essentials:

Loan Amount

Up to 100% of the equipment value

Term

Up to 10 Years

Rates

As low as 8%

Decisions

As fast as 24 hours

Why Equipment Financing?

Preserve Cash Flow: Equipment financing lets you acquire assets without depleting your working capital.

Flexible Terms: Choose repayment terms that align with your budget and business cycle.

Upgrade Technology: Stay competitive by accessing the latest equipment and technology.

Tax Benefits: Leverage potential tax deductions and benefits from equipment financing.

Predictable Payments: Fixed monthly payments make budgeting and financial planning easier.

Fast Approval: Experience quicker approvals compared to traditional loan applications.

Equipment Financing: Qualification

  • 600 minimum credit score
  • 11+ months in business
  • Yearly revenue of $100,000

Documentation

  • Some basic information about yourself and your business
  • Business checking account statements for the last 3 months
  • Company must be in good standing

Invoice Financing

Invoice financing is a solution that allows you to avoid the stress of waiting for payments by converting your outstanding invoices into immediate working capital. Maintaining a healthy cash flow is essential for every business, but waiting for customer payments can hinder growth. This financing option allows you to access funds tied up in unpaid invoices, enabling you to cover operational costs, invest in growth, and seize new opportunities.

Invoice Financing Essentials:

Loan Amount

Up to 90% of the invoice value

Decisions

As little as 24 hours

Why Invoice Financing?

Quick Access to Funds: Get immediate cash to cover business expenses without waiting for customer payments.

Working Capital Optimization: Ensure smooth operations, pay employees, and invest in growth initiatives.

Flexible Funding: Scale your financing based on your business needs and invoice volume.

No Debt Incurred: Invoice financing is not a loan, so you’re not accumulating debt on your balance sheet.

Customer Payment Handling: Some invoice financing providers offer customer payment collection services.

Ideal for Businesses:

Seasonal Businesses: Smooth out cash flow during off-peak seasons.

Growing Companies: Invest in expansion and take advantage of growth opportunities.

Small Businesses: Cover day-to-day expenses and manage operational costs.

Startups: Bridge the gap between invoicing and receiving payments.

Invoice Financing: Qualification

  • 3+ months in business
  • $50,000 in yearly income
  • No minimum FICO score

Documentation

  • Essential information about you and your business
  • Bank statements for the past three months
  • Business should be in good standing

Merchant Cash Advance

When traditional financing options fall short, a Merchant Cash Advance (MCA) steps in as a quick and adaptable solution to supercharge your business growth. Designed for businesses that often process credit card payments, an MCA offers easy access to extra funds based on your daily sales. This innovative approach ensures that repayments are aligned with your earnings, making it particularly useful for businesses with fluctuating incomes. By taking advantage of the convenience of an MCA, you can confidently pursue growth opportunities, manage inventory, and explore new ideas.

Merchant Cash Advance Essentials:

Loan Amount

Up to $2 million

Rates

As low as 12%

Decisions

As fast as 3 hours

Why Merchant Cash Advance?

Speedy Access: Receive funds quickly, often within hours of approval, to seize immediate opportunities.

Flexible Repayments: Repayments are tied to your daily sales, easing the burden during slower periods.

Simplified Process: Applying is a breeze with an easy and stress-free process, saving you time and reducing administrative load.

No Collateral Required: Your credit card sales act as collateral, reducing the need for additional assets.

Business Growth: Use the capital infusion to invest in expansion, inventory, marketing, and more.

Scaling Possibilities: As your business grows, so does the potential amount of funding available.

Ideal for Businesses:

• Businesses with fluctuating sales cycles.

• Retailers, restaurants, and service-based industries.

• Companies seeking rapid access to working capital.

Merchant Cash Advance: Qualification

  • 400+ credit score
  • 5+ months in business
  • Yearly income of $75,000

Documentation

  • Basic info about you and your business
  • Bank statements for the last three months
  • Proof of good standing of your business

Business Term Loans

Business term loans are ideal for established businesses seeking a lump sum of capital for a particular purpose. Whether you’re a small business owner looking to expand or a mid-sized company planning to invest in long-term projects, a business term loan could be an ideal financing solution. These loans offer you a set amount of money upfront that you can pay back over a predetermined time frame, along with interest.

Business Term Loans Essentials:

Loan Amount

Up to $1 million

Rates

As low as 7%

Term

Up to 5 years

Funding Time

As fast as 48 hours

Why Business Term Loans?

Working Capital Boost: Secure the funds you need to cover various business needs, from expanding your operations to purchasing equipment or inventory.

Predictable Repayments: Enjoy the stability of fixed monthly payments, making it easier to budget and manage your finances.

Longer Repayment Terms: Business term loans offer extended repayment periods, allowing you to spread the cost over several years.

Build Credit: Responsible repayment can positively impact your business credit score, opening doors to better financing options in the future.

Business Growth: Utilize the loan to invest in marketing, innovation, hiring, or other growth initiatives that can drive your business forward.

Business Term Loans: Qualification

  • 620+ credit score
  • 2 years in business
  • $100,000 in yearly revenue

Documentation

  • Basic details about you and your business
  • Banking statements for the last 3 months
  • Company must be in good standing

Big Think Capital

3 steps easy process!

1

Apply Effortlessly

Start the process by completing a simple online application. It’s the first step towards making your funding needs a reality.

2

Receive Tailored Offers

Sit back and let Big Think Capital handle exploring its extensive provider network, ensuring you receive the best funding options. They handle all the groundwork, seamlessly presenting you with choices that fit your needs.

3

Get Funded Swiftly

Once you’ve chosen the offer that aligns perfectly with your requirements, get ready for swift action. Within as little as 24 hours, you could have the funds you need at your fingertips!

Why Choose Big Think Capital

Effortless Loan Search: Simplify the hunt for favorable business loan rates with Big Think Capital, saving you valuable time and effort.

Versatile Loan Options: Big Think Capital provides a wide array of loan choices to suit your business needs, ensuring you find the perfect financing solution.

Inclusive Credit Options: Even if your credit score is in the 400s or 500s, you can still access loans through Big Think Capital, offering financial support regardless of credit history.

Competitive Interest Rates: Benefit from attractive interest rates that help you keep monthly payments manageable, allowing you to make the most of your financial resources.

Streamlined Application: Big Think Capital’s straightforward application process saves you time and hassle, making it convenient to secure the funds your business requires.

Expert Guidance: Team experts are available to assist with every stage of the process. They will provide the necessary information to make decisions that align with your business objectives.

Tailored for Success: Big Think Capital’s solutions are designed to empower small businesses, helping you grow, expand, and achieve your entrepreneurial dreams.

Building Relationships: As you establish a relationship with Big Think Capital, you can access improved terms and benefits, creating a lasting partnership that supports your ongoing financial necessities.

Unlock the Advantages: Make the smart choice for your business by selecting Big Think Capital to drive your growth and success forward!

 

Can I trust Big Think Capital? Is it a legitimate company?

Big Think Capital is a reliable and trustworthy company with a proven record of helping business owners secure financing for growth and stability. The company has received an A+ rating on the Better Business Bureau and over 2,000+ reviews on Trustpilot, with an impressive 98% being five-star ratings. Additionally, they have been certified as a Small Business Finance Professional (CSBFP). This positive feedback highlights the company’s dedication to providing dependable financial solutions.

Satisfied Customers
0 +
Customer satisfaction Rate
0 /5
Trustpilot
Funded Nationwide
$ 0 M+

Big Think Capital Customer Service

Based in Melville, NY, Big Think Capital takes great pride in delivering exceptional customer service that caters to your financial needs with professionalism and care. Their committed support team is always on standby to address any questions or concerns you might have throughout the financing journey.

Whether you’re at the application stage, seeking insights into loan options, or requiring assistance with documentation, their team of experts is dedicated to offering tailored guidance. They focus on clear communication, swift responses, and ensuring a seamless experience supporting you every step of the way.

Big Think Capital places your satisfaction at the forefront. You can easily connect with their customer service representatives through various channels, including phone, email, live chat, or the contact form on their website. Rest assured that your financial success is their top priority.

States Serviced by Big Think Capital

The state’s serviced may change without prior notice.

Frequently Asked Questions

Most frequently asked questions about Big Think Capital Business Loans.

No, Big Think Capital is a financial services marketplace that provides various loan options for small businesses, helping them secure the funding they need to grow and succeed.

Big Think Capital offers a range of loan options, including business term loans, equipment financing, merchant cash advances, AR invoice factoring, and SBA loans.

You can apply for a business loan through the Big Think Capital website by filling out an online application. You’ll need to provide basic information about your business, such as annual revenue, credit score, and time in business.

Big Think Capital offers fast approval and funding times, often as quick as 24 to 48 hours, depending on the type of loan and the completeness of your application.

While credit score is a factor, Big Think Capital offers options for various credit scores, including opportunities for businesses with lower credit scores.

Repayment terms and procedures vary based on the loan type you choose. Big Think Capital’s representatives will guide you through your selected loan’s repayment terms and schedule.

Ready to Apply? Check If You Qualify!

Visit Big Think Capital
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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.

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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.

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Universal Credit Personal Loan Disclosure

Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99%. All personal loans have a 5.25% 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 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62.
 
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 Universal Credit’s bank partners. Information on Universal Credit’s bank partners can be found at https://www.universal-credit.com/bank-partners/
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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.

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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.

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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.

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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.