The personal loans lending industry focuses on providing financial assistance to consumers needing funds for various purposes like debt consolidation, home improvements, or emergencies. Companies in this sector range from large banks to online-only platforms, each offering competitive rates and quick approval processes. As technology advances, many lenders are adopting digital applications, shortening approval times. Local markets have seen an influx of newer entrants, appealing especially to underbanked populations. Trends suggest a move toward flexible repayment options and personalized services, as companies aim to attract clients who demand more tailored financial solutions in an increasingly digital marketplace.

This list highlights 22 notable personal loans lending companies primarily operating in their respective countries. These firms, ranging from startups to established players, vary in size from a couple of hundred to over 54,000 employees. Many were founded in the early 2000s, focusing on consumer-friendly services such as personal loans, debt relief, and credit products. Locations include major cities like Chicago and Mumbai, indicating a global presence. Together, they reflect a dynamic market responding to consumer needs with innovation and specialization in personal lending.

Continue reading to explore the top personal loans lending companies.

Top 22 Personal Loans Lending Companies

1. Avant

• Website: avant.com
• Ownership type: Private Equity
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 93%, Other 7%
• Latest funding: December 2022
• Founded year: 2012
• Headcount: 501-1000
• LinkedIn: avant-us

Avant, LLC is a financial technology firm based in Chicago, Illinois, founded in 2012. The company focuses on providing personal loans and credit card services, utilizing proprietary technology to evaluate creditworthiness. Avant offers a variety of financial products, including debt consolidation loans, emergency loans, and home improvement loans, aimed at helping consumers manage their financial needs. With a workforce of approximately 859 employees, Avant operates primarily in the United States, where it serves a significant customer base. The company has not reported any recent funding, indicating a stable operational status since its last funding round in December 2022. Avant's commitment to simplifying financial tasks for consumers positions it as a relevant player in the personal lending sector.

2. Best Egg

• Website: bestegg.com
• Ownership type: Venture Capital
• Headquarters: Wilmington, Delaware, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Debt), $1.0B, December 2024
• Founded year: 2014
• Headcount: 501-1000
• LinkedIn: bestegg

Best Egg, based in Wilmington, Delaware, is a financial services company that has carved out a niche in the personal loans sector since its inception in 2014. The company primarily offers unsecured personal loans aimed at helping consumers manage their financial needs, including debt consolidation and home improvement projects. Best Egg operates predominantly online, providing a streamlined application process that allows customers to apply for loans and manage their accounts with ease. The company has also engaged in significant funding activities, with its last reported funding amount reaching $1 billion in December 2024, reflecting strong investor interest and confidence in its business model. Best Egg's focus on consumer-friendly loan products positions it as a relevant and active participant in the personal loans industry.

3. HDB Financial Services Ltd.

• Website: hdbfs.com
• Ownership type: Private
• Headquarters: Mumbai, Maharashtra, India
• Employee distribution: India 100%
• Latest funding: Other (Debt), $143.9M, May 2018
• Founded year: 2007
• Headcount: 10001+
• LinkedIn: hdb-financial-services-ltd

HDB Financial Services Ltd., based in Mumbai, Maharashtra, is a private financial services company founded in 2007. It specializes in a wide array of loan products, including personal loans, auto loans, and business loans. The company caters to both individual consumers and businesses, providing essential financial solutions tailored to meet various needs. HDB Financial Services operates through a network of branches and an online platform, ensuring easy access to its services. The firm has a significant workforce of over 54,000 employees, which supports its operations across India. In 2018, HDB Financial Services secured funding amounting to approximately $143.87 million, reflecting its growth trajectory and the confidence of investors in its business model. The company is committed to enhancing customer experience through innovative offerings and efficient service delivery.

4. BNL BNP Paribas

• Website: bnl.it
• Ownership type: Private
• Headquarters: Rome, Lazio, Italy
• Employee distribution: Italy 99%
• Founded year: 1913
• Headcount: 10001+
• LinkedIn: bnl-bnp-paribas

BNL BNP Paribas, established in 1913 and headquartered in Rome, Italy, is a prominent banking institution that offers a comprehensive range of financial services. The bank operates under the larger BNP Paribas group, which is recognized globally. BNL provides personal loans, mortgages, investment management, and financial consulting, catering primarily to individuals and families. Their personal loan products are designed to meet various customer needs, from financing education to supporting personal projects. BNL's commitment to customer service and financial solutions is evident in their extensive offerings, which include online loan applications and tailored financial advice. The bank's focus on personal loans reflects its strategy to support clients in managing their financial aspirations effectively.

5. Lendmark Financial Services

• Website: lendmarkfinancial.com
• Ownership type: Corporate
• Headquarters: Lawrenceville, Georgia, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: June 2019
• Founded year: 1996
• Headcount: 1001-5000
• LinkedIn: lendmark-financial-services

Lendmark Financial Services, founded in 1996 and headquartered in Lawrenceville, Georgia, is a financial services company that specializes in personal loans, debt consolidation, and auto financing. With a workforce of approximately 1,380 employees, Lendmark operates over 500 branches across 22 states, providing accessible financial solutions to individuals, particularly those underserved by traditional banks. The company prides itself on offering fast approvals and flexible payment options, which are crucial for customers facing urgent financial needs. Lendmark has a history of community involvement, contributing to local causes and supporting pediatric cancer research through its philanthropic initiatives. This commitment to community service complements its business model, which focuses on improving the financial well-being of its customers. Lendmark's approach reflects a growing trend in the lending industry, where personalized service and community engagement are becoming increasingly important.

6. Mariner Finance

• Website: marinerfinance.com
• Ownership type: Private Equity
• Headquarters: Baltimore, Maryland, United States (USA)
• Employee distribution: United States (USA) 99%
• Latest funding: January 2013
• Founded year: 2002
• Headcount: 1001-5000
• LinkedIn: mariner-finance

Mariner Finance, headquartered in Baltimore, Maryland, is a consumer finance company that specializes in providing personal loans, car loans, and home loans. Founded in 2002, the company has grown to employ over 1,600 individuals across the United States. Mariner Finance focuses on delivering tailored financial solutions to help customers manage unexpected expenses, consolidate debt, and finance home improvements. Their services include a variety of personal loan options, such as vacation loans and wedding loans, alongside car and home financing solutions. The company prides itself on a simple application process, typically taking less than five minutes, and offers personalized loan offers that do not impact the borrower's credit score. Mariner Finance also emphasizes customer satisfaction, providing a satisfaction guarantee that allows customers to return their funds within 15 days if dissatisfied. Their commitment to community involvement is evident through various outreach programs, further solidifying their presence in the consumer finance industry.

7. Prosper Marketplace

• Website: prosper.com
• Ownership type: Venture Capital
• Headquarters: San Francisco, California, United States (USA)
• Employee distribution: United States (USA) 96%, Other 4%
• Latest funding: Other (Debt), $75.0M, November 2022
• Founded year: 2005
• Headcount: 201-500
• LinkedIn: prosper-marketplace

Prosper Marketplace, Inc. is a financial services company based in San Francisco, California, specializing in peer-to-peer lending. Established in 2005, Prosper was the first platform of its kind in the United States, connecting borrowers with individual and institutional investors. The company provides a range of financial products, including personal loans, credit cards, and home equity loans, aimed at enhancing the financial well-being of its users. Prosper has facilitated over $28 billion in loans to more than 2 million customers, showcasing its significant impact in the lending space. The company operates online, allowing for a streamlined application process and quick funding, often within one business day. Prosper's recent funding round of $75 million in November 2022 further underscores its active role in the industry and its potential for future growth.

8. Findomestic Banca

• Website: findomestic.it
• Ownership type: Private
• Headquarters: Florence, Tuscany, Italy
• Employee distribution: Italy 100%
• Founded year: 1984
• Headcount: 1001-5000
• LinkedIn: findomestic-banca-spa

Findomestic Banca, established in 1984 and headquartered in Florence, Tuscany, is a private financial services company that specializes in consumer credit. With a workforce of over 2,400 employees, the company provides a range of financial products, including personal loans, credit cards, and mortgages. Findomestic Banca is dedicated to offering flexible financial solutions that assist individuals and families in managing their personal expenses and projects. Their personal loan offerings are designed to cater to various needs, such as home renovations, vehicle purchases, and other personal projects. The company emphasizes a customer-centric approach, allowing clients to request loans online and providing options for flexible repayment terms. As part of the BNP Paribas Group, Findomestic Banca benefits from a strong backing, enhancing its credibility and operational capabilities in the consumer lending market.

9. Cofidis Italia

• Website: cofidis.it
• Ownership type: Private
• Headquarters: Milan, Lombardy, Italy
• Employee distribution: Italy 100%
• Founded year: 1996
• Headcount: 201-500
• LinkedIn: cofidis-italia

Cofidis Italia, based in Milan, Lombardy, has been a prominent player in the financial services industry since its inception in 1996. Specializing in personal loans and credit solutions, the company has successfully attracted over 1 million customers in Italy. Cofidis offers a range of products, including personal loans, debt consolidation options, and various credit lines, all designed to meet the financial needs of consumers. The company operates primarily through an online platform, allowing customers to apply for loans and manage their finances conveniently. Cofidis Italia is part of a larger European network, with a customer base of 30 million across nine countries, showcasing its extensive reach and operational capabilities. The firm is committed to providing transparent and straightforward financial solutions, emphasizing customer satisfaction and responsible lending practices.

10. Zopa Bank

• Website: zopa.com
• Ownership type: Private Equity
• Headquarters: London, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 98%, Other 2%
• Latest funding: $86.7M, December 2024
• Founded year: 2005
• Headcount: 501-1000
• LinkedIn: zopa

Zopa Bank Ltd. is a financial services company based in London, UK, that specializes in personal loans, credit cards, and savings accounts. Established in 2005, Zopa initially operated as a peer-to-peer lending platform, allowing individuals to lend and borrow money directly from one another. Over the years, it has transitioned into a fully licensed bank, which has broadened its service offerings and enhanced its regulatory standing. Zopa emphasizes accessible financial solutions, prioritizing transparency and competitive rates for its customers. The company has approved over £5 billion in loans, showcasing its significant impact in the lending space. Recently, Zopa secured £86.7 million in funding, further solidifying its position in the market. The bank is regulated by the Financial Conduct Authority and the Prudential Regulation Authority, ensuring compliance with industry standards and consumer protection.

11. OppLoans

• Website: opploans.com
• Ownership type: Private
• Headquarters: Chicago, Illinois, United States (USA)
• Founded year: 2012
• Headcount: 501-1000
• LinkedIn: opploans

OppLoans, founded in 2012 and based in Chicago, Illinois, is a financial services company that specializes in online personal loans. The firm primarily serves consumers with bad credit or no credit history, providing them with a pathway to manage unexpected expenses and consolidate debt. OppLoans operates through a user-friendly online platform, ensuring a straightforward and transparent loan application process. The company offers loans ranging from $500 to $4,000, with a maximum annual percentage rate of 179%. Unlike many payday lenders, OppLoans does not charge origination or prepayment fees, which enhances its appeal to borrowers. Furthermore, the company reports payment histories to major credit bureaus, allowing customers to build their credit over time. This focus on financial education and support is evident in their resources aimed at helping consumers make informed financial decisions. Overall, OppLoans is positioned as a significant player in the personal loans market, particularly for those who have limited access to traditional credit options.

12. Shawbrook

• Website: shawbrook.co.uk
• Ownership type: Private Equity
• Headquarters: Great Warley, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 100%
• Latest funding: June 2017
• Founded year: 2011
• Headcount: 501-1000
• LinkedIn: shawbrook-bank

Shawbrook Bank Limited, founded in 2011 and based in Great Warley, England, is a retail and commercial bank that offers a variety of financial products. These include personal loans, home improvement loans, and savings accounts. Shawbrook primarily serves individual consumers, providing financial solutions tailored to personal projects and expenses. The bank emphasizes transparency and customer service, aiming to create a straightforward borrowing experience. Shawbrook's personal loans range from £1,000 to £50,000, with terms from one to seven years, and they conduct soft credit checks to ensure a non-intrusive application process. Their focus on home improvement loans highlights their understanding of consumer needs in the home renovation sector, further solidifying their role in the personal loans market.

13. Regional Finance (Regional Management Corp.)

• Website: regionalfinance.com
• Ownership type: Private
• Headquarters: Greer, South Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1987
• Headcount: 1001-5000
• LinkedIn: regional-management-corp-

Regional Finance, operating under Regional Management Corp., is a financial services provider based in Greer, South Carolina. Established in 1987, the company focuses on offering personal loans and related financial products to consumers. Their loan offerings include personal loans, debt consolidation loans, and specialized loans for auto repairs, furniture, and travel, among others. Regional Finance aims to assist individuals facing unexpected expenses or seeking to consolidate debt. The company emphasizes a customer-friendly approach, allowing potential borrowers to prequalify for loans online, which simplifies the application process. With a workforce of over 1,300 employees and a network of branches across multiple states, Regional Finance has positioned itself as a significant player in the personal lending market, catering to a wide range of financial needs.

14. easyfinancial Services

• Website: easyfinancial.com
• Ownership type: Private
• Headquarters: Mississauga, Ontario, Canada
• Employee distribution: Canada 99%, Other 1%
• Founded year: 2006
• Headcount: 1001-5000
• LinkedIn: easyfinancial-services

easyfinancial Services, founded in 2006 and based in Mississauga, Ontario, is a private lending company that provides a variety of financial services, including personal loans, home equity loans, and auto loans. The company primarily serves the Canadian market, focusing on consumers who may not have established credit histories. With a workforce of approximately 909 employees and over 400 branches, easyfinancial is well-positioned to offer accessible financial solutions. The firm emphasizes the importance of building credit and managing expenses, catering to individuals who may face challenges in obtaining loans from traditional banks. Their services include installment loans with flexible repayment options, allowing borrowers to choose payment schedules that align with their financial situations. easyfinancial's approach to lending, particularly for newcomers to Canada, highlights its role in fostering financial inclusion and supporting individuals in their journey towards financial stability.

15. Upgrade, Inc.

• Website: upgrade.com
• Ownership type: Venture Capital
• Headquarters: San Francisco, California, United States (USA)
• Employee distribution: United States (USA) 79%, Canada 20%, Other 1%
• Latest funding: Series E-K, $280.0M, November 2021
• Founded year: 2016
• Headcount: 1001-5000
• LinkedIn: upgrade-inc.

Upgrade, Inc. is a financial services company based in San Francisco, California, founded in 2016. The company specializes in providing personal loans, credit cards, and savings accounts, aiming to assist consumers in managing their finances and consolidating debt. Upgrade operates primarily through an online platform, which enhances accessibility and convenience for users. The company has successfully attracted over 5 million customers and facilitated $31 billion in loans, showcasing its impact in the personal lending space. Upgrade's offerings include personal loans for various purposes such as home improvement, major purchases, and debt consolidation, with loan amounts ranging from $1,000 to $50,000. The company has also received substantial venture capital funding, with its last round totaling $280 million in November 2021, reflecting strong investor interest and confidence in its business model. Upgrade positions itself as a technology-driven alternative to traditional banking, focusing on transparency and customer-centric services.

16. Fiditalia

• Website: fiditalia.it
• Ownership type: Private
• Headquarters: Milan, Michigan, United States (USA)
• Employee distribution: Italy 100%
• Founded year: 1981
• Headcount: 501-1000
• LinkedIn: fiditalia

Fiditalia, established in 1981 and headquartered in Milan, Michigan, is a private financial services firm that specializes in consumer credit solutions. The company offers a variety of financial products, including personal loans, credit cards, and leasing services. Its primary focus is on providing accessible financial assistance to individuals, including private and public employees, as well as pensioners. Fiditalia operates through a network of agencies throughout Italy, ensuring that it meets the financial needs of its customers effectively. The company is dedicated to transparency and customer service, emphasizing clear communication and support for clients seeking personal loans and other credit solutions.

17. Advance America

• Website: advanceamerica.net
• Ownership type: Corporate
• Headquarters: Greenville, South Carolina, United States (USA)
• Employee distribution: United States (USA) 99%, Other 1%
• Latest funding: $780.0M, February 2012
• Founded year: 1997
• Headcount: 1001-5000
• LinkedIn: advance-america

Advance America, founded in 1997 and headquartered in Greenville, South Carolina, is a financial services company that specializes in providing a range of loan products. The company offers payday loans, installment loans, cash advances, and personal loans, catering to consumers who require quick access to funds for unexpected expenses. With a network of over 800 locations across the United States and a comprehensive online platform, Advance America aims to facilitate fast approval and same-day funding options for its customers. The company has issued over 157 million loans, demonstrating its significant presence in the financial services industry. Advance America is committed to helping individuals manage their financial needs effectively, although it is essential to consider the implications of short-term borrowing on customer financial health.

18. African Bank

• Website: africanbank.co.za
• Ownership type: Private
• Headquarters: Midrand, Gauteng, South Africa
• Employee distribution: South Africa 99%
• Founded year: 1975
• Headcount: 1001-5000
• LinkedIn: african-bank

African Bank, founded in 1975 and based in Midrand, Gauteng, South Africa, is a private financial services company that specializes in personal loans, banking accounts, investment options, and insurance services. The bank primarily serves individual consumers, aiming to help them manage their finances and secure necessary coverage. With a workforce of over 4,400 employees, African Bank has a strong presence in South Africa, where it operates almost exclusively. The bank's personal loan offerings include flexible repayment terms and competitive interest rates, making it a viable option for consumers seeking financial assistance. Additionally, African Bank provides various banking and investment products, enhancing its role in the financial services industry.

19. Compass Banca S.p.A. - Gruppo Mediobanca

• Website: compass.it
• Ownership type: Private
• Headquarters: Milan, Michigan, United States (USA)
• Employee distribution: Italy 100%
• Founded year: 1960
• Headcount: 1001-5000
• LinkedIn: compass-gruppo-bancario-mediobanca

Compass Banca S.p.A. is a financial services firm based in Milan, Italy, and is part of the Gruppo Mediobanca. Established in 1960, the company has built a strong reputation in the consumer credit sector. It provides a wide range of financial products tailored to individuals and families, including personal loans, credit cards, and insurance services. Compass operates through a network of branches and an online platform, ensuring that customers have easy access to their financial solutions. The company is particularly known for its personal loans, which are designed to help customers realize their projects and aspirations. With a focus on innovation, Compass has introduced products like 'PagoLight', allowing customers to make purchases in installments without the need for a traditional income document. This flexibility and customer-centric approach position Compass as a relevant player in the personal loans market.

20. KreditBee

• Website: kreditbee.in
• Ownership type: Private Equity
• Headquarters: Bengaluru, Karnataka, India
• Employee distribution: India 100%
• Latest funding: Series D, $9.4M, March 2024
• Founded year: 2018
• Headcount: 1001-5000
• LinkedIn: kreditbee

KreditBee, based in Bengaluru, Karnataka, is a financial services company that specializes in providing personal and business loans. Founded in 2018, the company has quickly gained traction in the industry by offering a range of loan products, including flexi personal loans, personal loans for self-employed individuals, and business loans. KreditBee operates primarily through an online platform, allowing customers to apply for loans and access financial tools with ease and efficiency. The company has a workforce of over 1,500 employees and has recently secured Series D funding of approximately ₹9.4 million in March 2024, reflecting its growth trajectory and investor interest. KreditBee partners with RBI-registered NBFCs to ensure that its loan services comply with regulatory standards, which adds to its credibility and trustworthiness in the financial market.

21. Instant Finance Limited

• Website: instantfinance.co.nz
• Ownership type: Private
• Headquarters: Auckland, Auckland, New Zealand
• Employee distribution: New Zealand 100%
• Founded year: 1971
• Headcount: 51-200
• LinkedIn: instant-finance-nz-limited

Instant Finance Limited, based in Auckland, New Zealand, is a financial services company that has been operating since 1971. With a workforce of approximately 118 employees, the company specializes in providing personal loans to consumers across New Zealand. Their product offerings are designed to address various financial needs, including cash loans, car loans, travel loans, and debt consolidation. Instant Finance prides itself on its commitment to responsible lending, ensuring that clients receive tailored financial solutions that align with their circumstances. The company has built a reputation for excellent customer service, with a focus on making the loan application process straightforward and efficient. Instant Finance is a proud member of the Financial Services Federation, reflecting its adherence to industry standards and practices. With over five decades of experience, Instant Finance continues to play a significant role in the personal loans sector, helping Kiwis navigate their financial journeys.

22. Paisabazaar

• Website: paisabazaar.com
• Ownership type: Private
• Headquarters: Gurugram, Haryana, India
• Employee distribution: India 100%
• Latest funding: $31.6M, January 2018
• Founded year: 2014
• Headcount: 1001-5000
• LinkedIn: paisabazaar

Paisabazaar, founded in 2014 and based in Gurugram, Haryana, India, is a private financial services company that provides a variety of loan products, including personal loans, home loans, and credit cards. The company aims to assist consumers in making informed financial decisions by offering tools for comparing loan offers and checking credit scores. With a workforce of over 3,500 employees, Paisabazaar has established itself as a significant player in the financial services industry. The company has also secured funding amounting to approximately $31.58 million, which indicates investor confidence in its business model and growth potential. By focusing on personal loans and related financial products, Paisabazaar plays a crucial role in helping individuals access the financial resources they need.

Personal Loans Lending Insights: Key Companies

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