Lightstream is an online-only lender and sไubsidiary of Truist, offering personal loans nationwide. It offers unsecure💜d pool loans with terms up to 144 months—much longer than is typical, which can help make monthly loan payments manageable. 

Somewhat uncommonly, Lightstream does not levy loan origination fees, late charges, or prepayment fees. Lightstream offers a 0.50% discount for automatic payments, and if you aren't satisfied with your loan experience, it will provide you with a questionnaire and pay you $100 when you complete it. 

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SoFi borrowers can get approved for pool loans up to $100,000 and loan terms up to 84 months, which is an unusually long loan term. Soꦓfi also does not levy late payment or prepayment penalties. 

Borrowers generally need to have very good to excellent credit to qualify for a pool loan. The average weighted credit score for borrowers of funded loans was 749, according to Sofi’s 2023 annual report.

SoFi is headquartered in San Francisco and was founded in 2011. Originally a student loan refinancing company, SoFi now offers a broad range of loan and deposit products, including home mortgages, personal loans, checking accounts, and savings accounts.

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Fixed rates from 8.99% APR to 35.49% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or, Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 04/24/25 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at . Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

BHG Financial provides financing solutions to individuals and small businesses. It stands out as one of the only lenders offering large loan amounts of up to $200,000. Loan customers can choose repayment terms ranging from 36 to 120 months, allowing for greater▨ flexibility and control. Longer terms can make monthly payments more manageable and shorter ones can help secure lower interest rates.

The company has earned an excellent reputation, boasting a Trust Pilot score of 4.7 out of 5, backed by over 3,500 reviews. Borrowers often commend BHG Financial for its attentive customer service and tailored underwriting process.

Formerly known as Bankers Healthcare Group, the company rebranded to BHG Financial in 2022. BHG’s financial division’s headquarters are in Syracuse, N.Y.

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Founded in 201🥀7 and headquartered in California, Upgrade specializes in personal 💝loans for various purposes, including home improvement (such as pools), debt consolidation, and travel. 

For those planning to install a swimming pool, Upgrade offers loans up to $50,000ꦏ with repay💟ment terms ranging from 24 to 84 months.

Upgrade is a good choice for borrowers with fair or poor credit. Its lower credit score requirements, along with the option to apply with a co-borrower, can increase your chances of approval and help you secure a better interest rate. Additionally, some borrowers may qualify for secured loans by using their vehicles as collateral.

However, Upgrades’s rates can be higher than other lenders, with double digit interest rates that can rival thℱose of credit cards. Origination fees are another drawback, with some borrowers paying up to 9.99%.

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Founded in 1936 and based in California, Patelco Credit Union is federally insured by the 澳洲幸运5官方开奖结果体彩网:🙈National Credit Union Administr💞ation. 

Patelco offers an impressive borrowing range, from as little as $300 to as much as $100,000. This upper-end flexibility makes it a great choice for various financing need꧑s, such as a new swimming pool. For short-term financing, Patelco offers loan terms as short as six months, allowing borrowers to secure the lowest possible rates for smaller, short-duration projects like starting a pool installation.

Also, through the credit union’s LevelUp program, borrowers can get a 0.50% rate discount for each year of on-time payments. 

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