[{"data":1,"prerenderedAt":137},["ShallowReactive",2],{"article:en:credit:personal-loans-comparison":3,"ZRPsiofQ2y":45},{"article":4,"related":17},{"slug":5,"pillar":6,"locale":7,"frontmatter":8,"content":16},"personal-loans-comparison","credit","en",{"title":9,"description":10,"tldr":11,"updatedAt":12,"tags":13},"Personal Loan Comparison: 8 US Lenders Side by Side","A side-by-side look at APR ranges, loan amounts, terms, and fees from eight well-known US personal loan lenders, checked directly against their official rate pages.","APR is the number to compare, not the advertised low end. It reflects your actual credit. Lenders like SoFi and Marcus charge no origination fee while others charge up to 8%. Rates below were checked in July 2026 and change often. Confirm the current number on the lender's own site before applying.","2026-07-27",[14,15],"personal loans","comparison","\nPersonal loan ads lead with the lowest possible rate. Almost nobody qualifies for it. This table lists the full advertised range for each lender so you see where you land based on your own credit.\n\n::product-comparison-table{category=\"personalLoans\"}\n::\n\n## How to read this table\n\n- **The rate range is wide on purpose.** The bottom of the range typically requires excellent credit and autopay enrollment. The top of the range is closer to what a fair-credit borrower sees.\n- **Fee-free lenders aren't always cheapest.** A 0% origination fee lender at a higher APR often costs more than a lender charging a small origination fee at a meaningfully lower APR. Compare total cost, not the fee alone.\n- **Term length changes eligibility, not only cost.** Shorter terms (24 to 36 months) tend to qualify for the lowest advertised rates. Longer terms lower the monthly payment but usually raise the APR and total interest.\n\n## A data note worth flagging\n\nSeveral lenders here (SoFi, LightStream, Upstart, LendingClub) block automated page access or render their rate tables with JavaScript. Their exact current ranges came from search-indexed snippets of their own domains rather than a direct page fetch. Treat those as accurate as of this check, not guaranteed current. Discover, Marcus, Wells Fargo, and Best Egg figures came from a direct fetch of their own rate pages.\n\nNothing here recommends borrowing from a specific lender. None of these links are affiliate links. They go straight to each lender's own site. For more on how to compare loan offers once you have real, personalized quotes, see [how to compare loan offers](\u002Fcredit\u002Fhow-to-compare-loans).\n",[18,27,36],{"slug":19,"pillar":6,"locale":7,"frontmatter":20,"content":26},"digital-accounts-comparison",{"title":21,"description":22,"tldr":23,"updatedAt":12,"tags":24},"Digital Bank Account Comparison: 5 Online Banks Worth Knowing","A side-by-side look at five fee-free online banks and neobanks in the US, and what differentiates their savings rates and perks.","All five accounts here charge no monthly fee. The real differences sit in savings APY, ATM access, and how fast you get paid, not in avoiding fees, which is table stakes now.",[25,15],"digital banking","\nFee-free checking and savings used to be a differentiator. Now it's the baseline. The real differences between online banks sit in savings rates, ATM access, and small conveniences like early direct deposit.\n\n::product-comparison-table{category=\"digitalAccounts\"}\n::\n\n## A note on who's not on this list\n\nDiscover Bank stopped accepting new applications for savings, checking, CD, and money market accounts in late January 2026, following Capital One's acquisition of Discover Financial Services. New customers get redirected straight to a Capital One 360 product. Discover's credit cards remain open to new applicants (see our [rewards card comparison](\u002Fcredit\u002Fshopping-cards-comparison)), but its bank accounts sit off this list since new applications are no longer accepted.\n\n## How to read this table\n\n- **APY figures move with the Fed.** A savings rate that looks great today often shifts within months. Check the provider's current rate before opening an account for the yield alone.\n- **Tiered rates need a closer look.** Chime, SoFi, and Varo each publish a headline top rate that requires a qualifying direct deposit or subscription tier. Read the fine print on what \"qualifying\" means before you assume you'll get the top number.\n- **ATM access matters more than it seems.** A no-fee account with a small ATM network often costs more in out-of-network fees than a competitor's slightly lower savings rate.\n\nNothing here recommends opening an account with a specific provider. None of these links are affiliate links.\n",{"slug":28,"pillar":6,"locale":7,"frontmatter":29,"content":35},"mortgages-comparison",{"title":30,"description":31,"tldr":32,"updatedAt":12,"tags":33},"Mortgage Lender Comparison: 7 US Lenders and Their Down Payment Programs","A side-by-side look at seven major US mortgage lenders and what's confirmable about their down payment programs, since live rate quotes change by the hour.","30-year mortgage rates move daily and get quoted per borrower. This table focuses on what stays stable and comparable across lenders: down payment programs and minimums. As of late July 2026, the national average 30-year rate (Freddie Mac PMMS) sat around 6.58%. Treat that as market context, not a lender-specific quote.",[34,15],"mortgages","\nMortgage rate tables on lender websites update multiple times a day and depend heavily on your credit, down payment, and loan type. A number published today is often stale by tomorrow. This table skips per-lender rates that would go stale almost immediately and focuses on what stays comparable: down payment programs and minimums.\n\n::product-comparison-table{category=\"mortgages\"}\n::\n\n## Why there's no single \"rate\" column with real numbers\n\nMost major lenders (Chase, Bank of America, Better.com, US Bank, loanDepot, Wells Fargo) render their live rate tables with JavaScript that an automated check can't see. Even where a number shows up, it's usually a rate-and-point example for one specific scenario, not the rate you'll get. Rocket Mortgage was the one exception with dated, lender-published state-level examples, included above for reference. For everyone else, \"see lender\" is the honest answer. Go to the live rate page and run the numbers for your state, credit score, and loan type.\n\n## What's worth comparing here\n\n- **Low- and no-down-payment programs** vary by lender and often carry income limits, such as Chase's DreaMaker, Bank of America's Affordable Loan Solution®, or Wells Fargo's Dream. Plan. Home.® These often matter more than a fraction of a percentage point on rate.\n- **Down payment assistance grants**, like Wells Fargo's $10,000 Homebuyer Access® grant, don't show up in a rate comparison at all but are often worth more than a rate difference.\n- **FHA vs. conventional minimums** differ by lender in how they get presented, even though FHA's 3.5% minimum is a federal program, not a lender-specific perk.\n\nNothing here recommends borrowing from a specific lender. None of these links are affiliate links. For the fundamentals of how a mortgage payment gets built from principal, rate, term, and down payment, see [mortgage basics](\u002Fcredit\u002Fmortgage-basics-how-they-work), or run your own numbers with our [mortgage calculator](\u002Ftools\u002Fmortgage).\n",{"slug":37,"pillar":6,"locale":7,"frontmatter":38,"content":44},"shopping-cards-comparison",{"title":39,"description":40,"tldr":41,"updatedAt":12,"tags":42},"Cashback Card Comparison: 6 Rewards Cards With No Annual Fee","A side-by-side look at six no-annual-fee cashback credit cards from major US issuers, and how their rewards structures differ.","All six cards here charge no annual fee. The real decision is flat-rate simplicity (Citi Double Cash, Capital One Quicksilver) against higher rates in specific categories (Chase Freedom Unlimited, Amex Blue Cash Everyday). Pick based on where you spend, not the headline percentage.",[43,15],"credit cards","\nCashback cards fall into two camps. Flat-rate cards pay the same percentage on everything. Category cards pay more in specific places but less everywhere else. Neither wins universally. It depends on your spending pattern.\n\n::product-comparison-table{category=\"shoppingCards\"}\n::\n\n## How to read this table\n\n- **Flat-rate cards win for irregular spenders.** If your spending doesn't cluster in one or two categories, 2% flat (Citi Double Cash, Wells Fargo Active Cash) usually beats a rotating 5% category you don't always use.\n- **Category cards win for predictable spenders.** If you reliably spend a lot on dining, groceries, or gas, a card that pays 3 to 5% in those specific categories often out-earns a flat-rate card even with lower earnings elsewhere.\n- **The intro 0% APR period stands apart from the rewards rate.** Don't choose a card for its intro financing offer alone. Like its long-term rewards structure too, since the promotional period ends.\n- **US law requires at least a 21-day grace period** on new purchases if you paid your previous statement in full. That's why every card above shows the same grace-period figure. It isn't a card-specific perk.\n\nNothing here recommends applying for a specific card. None of these links are affiliate links. They go straight to each issuer's own site.\n",{"data":46,"body":49,"excerpt":-1,"toc":132},{"title":47,"description":48},"","Personal loan ads lead with the lowest possible rate. Almost nobody qualifies for it. This table lists the full advertised range for each lender so you see where you land based on your own credit.",{"type":50,"children":51},"root",[52,59,64,71,107,113,118],{"type":53,"tag":54,"props":55,"children":56},"element","p",{},[57],{"type":58,"value":48},"text",{"type":53,"tag":60,"props":61,"children":63},"product-comparison-table",{"category":62},"personalLoans",[],{"type":53,"tag":65,"props":66,"children":68},"h2",{"id":67},"how-to-read-this-table",[69],{"type":58,"value":70},"How to read this table",{"type":53,"tag":72,"props":73,"children":74},"ul",{},[75,87,97],{"type":53,"tag":76,"props":77,"children":78},"li",{},[79,85],{"type":53,"tag":80,"props":81,"children":82},"strong",{},[83],{"type":58,"value":84},"The rate range is wide on purpose.",{"type":58,"value":86}," The bottom of the range typically requires excellent credit and autopay enrollment. The top of the range is closer to what a fair-credit borrower sees.",{"type":53,"tag":76,"props":88,"children":89},{},[90,95],{"type":53,"tag":80,"props":91,"children":92},{},[93],{"type":58,"value":94},"Fee-free lenders aren't always cheapest.",{"type":58,"value":96}," A 0% origination fee lender at a higher APR often costs more than a lender charging a small origination fee at a meaningfully lower APR. Compare total cost, not the fee alone.",{"type":53,"tag":76,"props":98,"children":99},{},[100,105],{"type":53,"tag":80,"props":101,"children":102},{},[103],{"type":58,"value":104},"Term length changes eligibility, not only cost.",{"type":58,"value":106}," Shorter terms (24 to 36 months) tend to qualify for the lowest advertised rates. Longer terms lower the monthly payment but usually raise the APR and total interest.",{"type":53,"tag":65,"props":108,"children":110},{"id":109},"a-data-note-worth-flagging",[111],{"type":58,"value":112},"A data note worth flagging",{"type":53,"tag":54,"props":114,"children":115},{},[116],{"type":58,"value":117},"Several lenders here (SoFi, LightStream, Upstart, LendingClub) block automated page access or render their rate tables with JavaScript. Their exact current ranges came from search-indexed snippets of their own domains rather than a direct page fetch. Treat those as accurate as of this check, not guaranteed current. Discover, Marcus, Wells Fargo, and Best Egg figures came from a direct fetch of their own rate pages.",{"type":53,"tag":54,"props":119,"children":120},{},[121,123,130],{"type":58,"value":122},"Nothing here recommends borrowing from a specific lender. None of these links are affiliate links. They go straight to each lender's own site. For more on how to compare loan offers once you have real, personalized quotes, see ",{"type":53,"tag":124,"props":125,"children":127},"a",{"href":126},"\u002Fcredit\u002Fhow-to-compare-loans",[128],{"type":58,"value":129},"how to compare loan offers",{"type":58,"value":131},".",{"title":47,"searchDepth":133,"depth":133,"links":134},2,[135,136],{"id":67,"depth":133,"text":70},{"id":109,"depth":133,"text":112},1786158480403]