5.99 - 21.49 %
APR
2 - 6 years
Loan Term
Check rates
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Best Personal Loans with No Origination Fee of March 2024

Compare personal loans with no origination fees on Myfin.us.

Updated March 28, 2024
Showing 25 personal loans for best personal loans with no origination fee
APR
5.99 - 21.49 %
with Autopay
Term
2 - 6years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

See LightStream full product review
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On partner's site
APR
6.99 - 24.99 %
with Autopay
Term
3 - 6years
Loan amount
$3,500 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    5 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No fees
    • Autopay discount
  • Cons:
    • Long time to receive funds
    • No Cosigner Option

Marcus offers unsecured personal loans up to $40,000 with rates from 6.99% to 24.99%.

Marcus does not charge origination, late payment and check processing fees.

See Marcus by Goldman Sachs full product review
Check rates
On partner's site
APR
7.99 - 23.43 %
with Autopay
Term
2 - 7years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Rate discount for autopay
    • No Fees
  • Cons:
    • Not available to residents of Mississippi
    • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

See SoFi full product review
Check rates
On partner's site
APR
6.99 - 21.49 %
with Autopay
Term
2 - 6years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Other
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

See LightStream full product review
Check rates
On partner's site
APR
6.99 - 18 %
Term
6years
Loan amount
$30,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    No origination fee.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Easy application process
    • No origination fees
    • Flexible repayment terms
  • Cons:
    • No autopay discount

BECU offers personal loans up to $30,000 with repayment terms as long as 72 months, and APRs start at 6.99%.

APR
6.24 - 35.99 %
Term
5years
Loan amount
$500 - $50,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No collateral required
    • No origination fee or prepayment penalty
  • Cons:
    • Late Payment fee

Golden 1 Credit Union offers personal loans of up to $50,000 with rates starting at 6.24%.

Golden 1 Credit Union does not charge a prepayment penalty. It also has no origination fee.

APR
8.24 - 18 %
Term
5 - 7years
Loan amount
$1,000 - $30,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No origination fees or prepayment penalties
    • Quick delivery of funds
  • Cons:
    • No autopay discount

NASA FCU offers personal loans of up to $30,000 with rates starting at 8.24%.

NASA FCU does not charge a prepayment penalty. It also has no origination fee.

APR
7.99 - 9.99 %
Term
1 - 5years
Loan amount
$1,000 - $5,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    No origination fee.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No origination fee or prepayment penalties
    • Quick and easy online application
  • Cons:
    • No autopay discount

With Greylock FCU you can borrow up to $5000 (based on your creditworthiness) for debt consolidation, vacation, furniture, or other major expenditures. The Credit Union does not charge a loan origination fee.

APR
6.7 - 11 %
Term
2 - 7years
Loan amount
$500 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    No origination fee.
  • Funds available in:
    1-3 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Low, fixed rates
    • No application fees, origination fees or prepayment penalties
    • No payments for up to 45 days
  • Cons:
    • No autopay discount

First Tech FCU offers personal loans of up to $50,000 with rates starting at 6.70%.

First Tech does not charge a prepayment penalty. It also has no origination or application fees.

APR
7.35 - 21.75 %
with Autopay
Term
1 - 7years
Loan amount
$2,000 - $50,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Competitive fixed rates
    • Various loan term options
    • 0.25% rate discount
  • Cons:
    • High interest rates

Popular Bank offers personal loans that range from $2,000 to $50,000. You can choose from terms that range from 12 to 84 months.

Rates for Unsecured Personal Loans are between 7.35% APR and 21.75% APR. Additional discounts of 0.25% will apply when you take advantage of auto-debit from a deposit account.

For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
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  • Personal Loan
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