The lender has low fixed and variable interest rates.

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Lastly, the best rates for personal loans will go to those with impeccable credit.

If you have limited credit history or a poor credit score, expect to pay rates at the higher end of the ranges shown.

If you are in a position to qualify for a Light Stream or So Fi loan, you are also likely to qualify for a 0% interest credit card or a cheaper secured loan, so consider all your options to pay down debt.

• APR: Start at 3.24% (boat, RV) to 5.49% (credit card and debt consolidation), ranging up to 16.34% • Loan amount: $5,000-$100,000 • Loan terms: 2-7 years • Minimum credit score: 670 • Time to funding: Same day, with option of up to 30 days from approval • Fees: None • Available in 47 states • APR: Offers both variable and fixed rates, ranging from 5% to 15%.

If you’re not sure you can, though, the personal loan may be the better bet.” In addition, a personal loan may improve your credit score by moving credit-card debt over to the installment loan column.

The way credit scores are figured, borrowers who use all or most of the available credit on their cards get hit with a significant penalty.

Each borrower is assigned a point person who will learn the customer’s financial habits and guide him or her out of credit card debt.

• APR: 8% to 25% fixed • Loan amount: ,000 to ,000 • Loan terms: 2 to 5 years • Minimum credit score: 660 • Time to funding: 2 to 5 business days • Fees: Payoff charges a “Payoff Platform Fee” that ranges from 2% to 5% of the loan amount, depending on term, included in APR. Freedom Plus is a smart choice if you have people with good credit willing to help you pay down debt.

• Available in all 50 states • APR: 6.99% to 24.99% fixed • Loan amount: ,500 to ,000 • Loan terms: 3 to 7 years • Minimum credit score: 660, but borrowers’ average score is 750 • Time to funding: Next-day, up to a week • Fees: No origination fee. As noted above, many online lenders charge an origination fee on a loan.