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Our picks for best unsecured loans include SoFi, Lightstream, Payoff, Marcus by Goldman Sachs, Upstart, PenFed Credit Union, and Wells Fargo.

Citibank personal loans aren't accessible to everyone. You need a Citi bank account for at least one year and a minimum income of $10,500 to qualify.

USAA allows borrowers to take out up to $100,000 with a personal loan. You need to be a member of the military community or family member to qualify.

OneMain Financial will consider any credit score for a personal loan. But if you have good credit, you may get lower rates elsewhere.

You may not like Avant if you ...  Have a credit score as low as 600 Want to avoid prepayment penalties Want a company with long customer service hours Need your funds within one business day Want to manage your loan from a mobile app Need to borrow more than $35,000 Don't have an account with a bank or credit union Have a lower credit score but could get a better APR with a credit card The bottom line: Avant is a good personal loan provider, especially if you have a lower credit score and want your money quickly. Just be prepared to pay a high APR if you do have a low score.