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Personal Loans

Best Personal Loan Apps

Borrowing a personal loan is easier than ever these days. Many lenders offer a streamlined application process you can complete online or via a mobile app. 

Although not all lenders have mobile apps, you can find them from multiple banks and online lenders. Some credit unions also offer apps, but credit unions tend to be less tech-forward than banks and online loan providers. 

When available, personal loan apps allow you to check your balance, make payments, and manage your loan from your phone. Sometimes, you can also apply for funds from the app. Here’s a closer look at personal loan apps from seven personal loan providers. 

Best personal loan apps 

Below are our picks for lenders with the best personal loan apps, based on ease of use, functionality, customer reviews, and availability for Android and Apple iOS. 

If you’re looking for a small-amount loan or cash advance rather than a traditional personal loan, check out our favorite cash advance apps. Otherwise, read on to learn the details of each app on the list below. 

LenderManage personal loan in app?Other features 
SoFiBanking, investing, budget-tracking, rewards points 
LendingPointFinancial management tools to track spending and set goals 
UpgradeMobile banking, pay bills, track debit rewards, manage credit card, monitor credit score
ProsperFree FICO scores 
DiscoverMobile banking, manage credit card, pay bills, redeem rewards, monitor credit score 
Avant Manage credit card, view credit card transactions, enroll in autopay 
OneMainMonitor VantageScore credit score 

SoFi – Best for good credit

LendEDU rating: 5.0 out of 5

  • Apply for a personal loan, check your balance, and manage payments 
  • Manage bank and investment accounts
  • Manage bank and investment accounts

SoFi’s mobile app lets you borrow a personal loan and bank and invest right from your phone. Available on both the App Store and Google Play, the SoFi app lets you check your rates, apply for a personal loan, manage your balance, and make payments. 

It also offers rewards points for certain behaviors, such as hitting savings goals, that you can redeem for cash, statement credits, or payment toward your SoFi loan or credit card. Plus, it offers a budget-tracking tool called SoFi Insights to help you monitor your cash flow. 

Customers seem to appreciate all these features, as the SoFi app gets an average rating of 4.8 stars out of five in Apple’s App Store based on over 340,000 reviews. On Google Play, the SoFi app gets four stars out of five from about 33,500 reviews. 

LendingPoint – Best for changing your payment date

LendEDU rating: 4.9 out of 5

  • Check your personal loan rates 
  • Manage your accounts and make payments 
  • Update your personal information 

LendingPoint is an online lender that offers personal loans from $2,000 to $36,500. While you’ll have to complete the loan application process online or over the phone, you can manage your LendingPoint personal loan via the lender’s mobile app.

LendingPoint’s mobile app allows you to make payments, manage your accounts, and update your personal information if needed. 

The app also offers financial management tools to track your spending, manage debt, and set goals. It has an overall rating of 4.5 stars out of five based on over 1,100 reviews on Google Play and 4.8 stars out of five based on more than 2,900 ratings on the App Store

Upgrade – Best for fair credit

LendEDU rating: 4.9 out of 5

  • Check your balance and manage loan payments 
  • Mobile banking 
  • Credit score monitoring 

Upgrade offers accessible secured and unsecured personal loans to borrowers with credit scores starting at 560. If you borrow a personal loan from Upgrade, you can check your balance and manage your payments from its mobile app, which is available for both Android and iOS. 

Upgrade customers can also use the mobile app to manage their bank accounts, pay bills, track debit rewards, and manage their credit card. Plus, the app offers credit score monitoring and will notify you if it detects a change in your credit report or signs of identity theft. 

Upgrade’s mobile app gets a strong rating of 4.7 stars out of five on Google Play (based on over 18,000 reviews) and 4.8 stars on the App Store (based on over 35,000 reviews). 


LendEDU rating: 4.8 out of 5

  • Check personal loan rates
  • Apply for personal loan 
  • Make payments and track repayment progress 

Prosper is a peer-to-peer lender that funds personal loans up to $50,000. Through its mobile app, you can estimate your personal loan amount, interest rates, and monthly payments without sharing your email address or phone number. 

If you decide to move forward, you can apply for a personal loan in less than five minutes through the app and receive your funds as soon as the next day. 

Through the Prosper app, you can also make payments, set up automatic payments, and track your repayment progress. The app lets you securely make a payment by using TouchID or FaceID. 

Prosper’s personal loan app gets great ratings on both Google Play and Apple’s App Store — 4.6 stars out of five from 3,300 reviews and 4.8 stars out of five from 12,200 ratings, respectively. 


LendEDU rating: 4.6 out of 5

  • Make personal loan payments
  • Track your loan balance 
  • Monitor your credit score 

Discover is an online bank that funds personal loans from $2,500 to $40,000. This bank often ranks highly in JD Power’s Customer Satisfaction studies, and customers rank its mobile app highly on Google Play (4.5 stars) and the App Store (4.9 stars). 

Since Discover offers various banking services, its app has many features, including mobile banking, managing your credit card account, redeeming rewards, paying bills, and monitoring your credit score. 

However, Discover personal loan borrowers can also use the app to make payments and track their balance. To get a Discover personal loan, though, you’ll need to submit your application online. 


LendEDU rating: 4.6 out of 5

  • View upcoming payments and payment history 
  • Schedule or cancel payments
  • Adjust payment due dates 

Avant is an online lender that funds personal loans from $2,000 to $35,000 with repayment terms from one to five years. While you can’t apply for an Avant personal loan through its mobile app, you can use the app to manage your loan. 

Some of the app’s features include viewing your upcoming payments and payment history, scheduling or canceling additional payments, and adjusting payment due dates. You can also view your payoff quote and set up notifications about your account. 

If you have an Avant credit card, you can also manage your account through the app. With the Avant app, you can schedule or cancel payments, view transactions, add and remove payment methods, and enroll in automatic payments. 

The Avant mobile app is available for both iPhones and Androids. More than 22,000 customers gave it an average rating of 4.4 stars on Google Play. On the App store, more than 125,800 customers gave it an average score of 4.8 stars. 

OneMain Financial

LendEDU rating: 4.2 out of 5

  • Make and schedule payments 
  • Apply to refinance loans 
  • Track your VantageScore credit score 

OneMain Financial offers fast funding on personal loans from $1,500 to $20,000. You can apply for a personal loan on OneMain Financial’s website and download its mobile app to manage payments on the go. 

Through the OneMain Financial mobile app, you can service your personal loan by making and scheduling payments. While you can’t apply for a new personal loan through the mobile app, you can apply to refinance loans. 

With OneMain Financial’s mobile app, you can also check and monitor your VantageScore credit score for free. This personal loan app gets an average of 4.4 stars from 4,600 reviews on Google Play and 4.5 stars from 3,700 ratings on the App Store

Ask the expert

Eric Kirste


Privacy and security are a concern no matter what you’re doing on your phone. Some banks have created dashboards that enable you to decide what information you want to share with these apps. Limiting access to specific data is recommended and only sharing what they need for your loan inquiry.

How to choose the best apps for personal loans 

The best apps for personal loans are user-friendly, available on iOS and Android, and let you apply for a loan or at least manage your payments. However, when choosing the best personal loan, the presence of a mobile app shouldn’t necessarily be your top priority. 

It’s generally more important to look for a loan with a competitive interest rate, few (or no) fees, and repayment terms that work for your budget. Even if a lender doesn’t offer the option of applying for a loan via mobile app, it’s worth shopping around and prequalifying for loans online.

That way, you can check your rates without hurting your credit and find a loan with the lowest borrowing costs. If the lender offers a mobile app, use this convenient resource to manage and pay off your loan.