#1
Our pick
Top pick when you qualify for SoFi’s best tiers.
- Competitive refinance rates for strong credit
- Unemployment protection options
Reviews
Every loan in our catalog, ranked and rated.
#2
Excellent refinance option if Earnest approves your profile.
- Skip-a-payment flexibility
- Rate check with soft credit pull
#3
Best starting point to compare private loan/refinance offers side by side.
- Compare multiple lenders in one place
- Soft credit check to shop rates
#4
Strong consolidation loan option when approval/APR works.
- Fixed-rate personal loans
- Online application
#5
Strong private lender for in-school borrowing with a cosigner.
- In-school and parent loan options
- Rewards / cash-back promotions at times
#6
Worth quoting next to LendingClub and SoFi.
- Personal loan + card products
- Soft-credit rate check style flows
#7
Reliable private option — shop rates against newer fintech lenders.
- Wide product lineup
- Cosigner release options
#8
Standout refinance pick for high-income professional grads.
- Strong for high-earning grads
- Relationship banking via KeyBank
#9
Solid refinance marketplace alongside Credible.
- Multi-lender refinance matching
- Soft credit check shopping
#10
Worth checking if you want credit-union pricing via one portal.
- Credit-union rate potential
- Refinance and in-school options
#11
Quietly strong private/refinance alternative to the big names.
- Competitive fixed/variable options
- Dedicated student-loan focus
#12
Good private-loan option when federal aid isn’t enough.
- Student-centric underwriting paths
- Cosigner release features
#13
Straightforward private lender — compare APRs before you commit.
- Cash-reward rewards on some loans
- No origination fees
#14
Important servicer to know; shop refinance elsewhere when rates matter most.
- Handles large federal portfolios
- Repayment / forgiveness navigation tools
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