Lenders with online applications: United States 2026 (4)

Lenders with online applications from our ranking (United States), in Score order. New customers can apply online. An application is not an approval, so check the rate and full cost in the offer you receive.

Personal loans in the US 2026: banks and credit unions ranked

  1. 1

    U.S. Bank (loans)

    78/100
    Licensed since
    1863
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    100%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Publishes how to complain
    • No arrangement fee in the standard terms
  2. 4

    Navy Federal Credit Union

    68/100
    Licensed since
    1933
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    107%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • No arrangement fee in the standard terms
    • Terms state that early repayment is free
  3. 5

    Truist / LightStream (loans)

    65/100
    Licensed since
    1872
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    122%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • No arrangement fee in the standard terms
    • Terms state that early repayment is free
  4. 7

    Citi (loans)

    63/100
    Licensed since
    1812
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    125%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • No arrangement fee in the standard terms
    • Terms state that early repayment is free