Capital One Personal Loan Alternatives
Capital One Personal Loans no longer exist, but the lenders below can offer flexible terms and competitive rates.
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Personal loans can serve a multitude of purposes. They can make your dream vacation a reality, help with a large purchase, or help pay off other bills or credit card debt.
They’re unsecured loans, which means unlike an auto loan or mortgage, they don’t have any collateral attached to them, so you can’t lose your property if you can’t pay back the loan.
Unfortunately, Capital One doesn’t offer personal loans. However, the lenders below can be good options if you need an alternative.
On this page:
- Alternatives to Capital One Personal Loans
- Other Options for Finding Personal Loans
- What Loans Does Capital One Offer?
Alternatives to Capital One Personal Loans
Even though you won’t be able to get a new personal loan from Capital One, there are some excellent options out there for you to choose from.
You can check out our Best Personal Loans page to see our top choices (including options for consumers with good credit, fair credit, and bad credit) or read on to learn about three highly-rated alternatives.
| Lender | Rates (APR) | Amounts | Terms |
| LightStream | 3.49% – 19.99% | $5,000 – $100,000 | 24 – 144 months |
| Upgrade | 7.99% – 35.97% | $1,000 – $35,000 | 36 or 60 months |
| LendingClub | 10.68% – 35.89% | $1,000 – $40,000 | 36 or 60 months |
LightStream
Rates (APR)
3.49% – 19.99%
with AutoPay
Loan Amounts
$5,000 – $100,000
Credit Score
660+
LightStream offers personal loans for borrowers with good credit scores, allowing them to offer competitive rates and great benefits. The application process can be done online and you can receive your funds as soon as the same day.
- Credit score category: Excellent, good
- Soft credit pull to check rates: Not available
- Deposit time: As soon as the same day
- Origination fee: 0%
- Late fee: None
- Discounts: 0.50% interest rate reduction for enrolling in autopay
- Repayment terms: 24 – 144 months
Upgrade
Rates (APR)
7.99% – 35.97%
Loan Amounts
$1,000 – $35,000
Credit Score
620+
Upgrade is an online lender that offers competitive personal loans to borrowers with bad or fair credit. They offer great benefits such as personalized loan recommendations and free credit health tools to all its customers. If you need a smaller loan, Upgrade is a great option.
- Credit score category: Fair, bad
- Soft credit pull to check rates: Yes
- Deposit time: As soon as the next day
- Origination fee: 2.9% – 8%
- Late fee: $10
- Repayment terms: 36 or 60 months
LendingClub
Rates (APR)
10.68% – 35.89%
Loan Amounts
$1,000 – $40,000
Credit Score
600+
LendingClub is one of the oldest and best-known peer-to-peer lenders. Their online marketplace connects prospective borrowers with people who are willing to fund part or even all of your loan. The process can be completed quickly with disbursement coming in only a few days.
- Credit score category: Fair, bad
- Soft credit pull to check rates: Yes
- Deposit time: As soon as 4 business days
- Origination fee: 1% – 6%
- Late fee: $15 or 5% of payment amount
- Repayment terms: 36 or 60 months
Other Options for Finding Personal Loans
If you’re looking for a personal loan and are disappointed to find that Capital One doesn’t offer them, don’t worry — you still have plenty of options.
Here are some resources to help you search for a personal loan:
- Best Personal Loans: This guide goes over our top picks for personal loan lenders broken out by credit ratings.
- Good Credit Personal Loans: Compare options for borrowers with good credit.
- Fair Credit Personal Loans: See our top picks for personal loans specifically designed for borrowers with fair credit.
- Bad Credit Personal Loans: Don’t have the best credit? Learn more about our top picks for personal loans specifically designed for those with bad credit.
- Home Improvement Loans: Looking for a personal loan to pay for home improvements? Check out our guide to see options and learn more about how they work.
- Debt Consolidation Loans: If you are looking to consolidate credit card debt or another form of debt, you can use a debt consolidation loan to do so, potentially saving you money along the way.
- Bank Loans: This guide goes over personal loan options available from big banks.
- Online Loans: See personal loan options from completely online lenders that usually have a fast and seamless application process.
- Credit Union Personal Loans: Prefer a credit union over a bank or online lender? Check out our credit union personal loans guide to see some options.
- Peer-to-Peer Loans: These loans allow you to borrow from everyday consumers instead of banks and lenders.
What Loans Does Capital One Offer?
Capital One offers bank accounts, lines of credit, auto loans, and small business and commercial financing, but it doesn’t offer personal loans anymore.
- Auto Loans: Through the Auto Navigator program, the company helps you find the right loan terms through personalized options, it helps you choose a car from thousands of dealers nationwide, and it optimizes the loan process, all without even hitting your credit report with a hard credit check.
- Commercial Lending: Capital One also offers a wide variety of commercial financing solutions, including real estate, asset-based lending, and more.
- Small Business Lending: In certain U.S. locations, Capital One offers limited small business banking and lending products as well, including loans and lines of credit.
In addition, Capital One also continues to service any previously existing loans, even if they no longer offer that particular loan product. If you already have a Capital One personal loan, then you can continue to log in and manage that loan online.
Final Thoughts on Capital One Personal Loan Alternatives
Capital One might not offer personal loans anymore, but you have plenty of personal loan alternatives. Whether you go with your local bank, an online lender, or even a peer-to-peer company like LendingClub, chances are good that you’ll be able to find the loan or line of credit you need.
