Upstart, which makes loans from $3,000 to $25,000, focuses on younger buyers who might be having trouble getting loans due to a shorter credit history. This new peer-to-peer lender will consider factors such as your alma mater, job history, major, and even your grades and test scores when deciding on APRs, which range from 6.68% to 24.58%. Unfortunately, you probably won’t be able to get a loan here if you aren’t a college graduate. Upstart also only makes three-year loans, so if you want a longer or shorter term, you’re out of luck.

OneMain is a solid option for borrowers who may not have the best credit. Though you can apply online, the company has over 1,800 branches around the country for those who want to do business in person. Secured loans may be an option at OneMain, too.

The company has an A+ rating and is accredited with the BBB. OneMain is only an option in 44 states, however. The company’s website also offers some nice educational information about loans.

LightStream, a division of SunTrust Bank, offers debt-consolidation loans from $5,000 to $100,000 at extremely low APRs: 5.49 – 16.34% APR with AutoPay*. It also offers flexible terms from 24 to 84 months, and there are no fees whatsoever. The catch? You’ll need top-notch credit, significant income, and substantial assets to qualify. That’s a tall order for most people who are considering debt consolidation, so this is definitely a niche service.

* Monthly payments for a $10,000 loan at 5.99% APR with a term of 3 years would result in 36 monthly payments of $304.17.

Prosper, though it requires a minimum credit score of 640, Prosper offers unsecured personal loans from $2,000 to $35,000 and competitive APRs from 5.99% to 36.00%.

Prosper takes into account a range of factors other than your credit history when determining your APR. Its website is easy to navigate, with clearly disclosed rates and fees. Prosper does charge an origination fee of 1% to 5% of your loan, and there are fees for late payments ($15 or 5% of the outstanding amount) and unsuccessful payments ($15 per occurrence).

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