Top 10 US Loans with Low Markup for 2025
Looking for low-markup loans in the United States? Whether you’re building credit, consolidating debt, or starting a business, choosing the right lender is key. Here’s a carefully curated list of top US loans offering competitive rates and minimal markup.
1. LightStream – Low Rates for Good Credit
LightStream offers personal loans with some of the lowest APRs in the market. Borrowers with strong credit can enjoy rates starting as low as 7.49%*.
- No fees or prepayment penalties
- Fast funding, often same-day
- Great for home improvement, auto, or debt consolidation
2. SoFi – High Loan Amounts with Low Markup
SoFi stands out with zero fees and flexible loan terms. Borrow up to $100,000 with fixed low-interest rates.
- APRs start at 8.99%*
- Unemployment protection available
- Ideal for professionals and entrepreneurs
3. Marcus by Goldman Sachs – Transparent & Reliable
Marcus offers simple personal loans with fixed rates and no hidden fees. You can postpone a payment after 12 months of on-time payments.
- APRs starting at 6.99%*
- No fees at all
- Great for debt consolidation and large purchases
4. Upgrade – Flexible Terms for Fair Credit
Upgrade is ideal if you have fair credit and need fast access to funds. Offers fixed APRs and monthly payments.
- APR ranges from 8.49%–35.99%*
- Quick approval process
- Helps build credit through payment tracking
5. LendingClub – Low Markup Peer-to-Peer Loans
LendingClub connects borrowers with investors, allowing for competitive rates. A great option for personal or joint loans.
- APRs from 9.57%*
- Loan amounts from $1,000–$40,000
- Ideal for debt consolidation or major expenses
6. Discover Personal Loans – Trusted Lender, Low Costs
Discover provides fixed-rate personal loans with no origination fees. The lender also offers a 30-day return guarantee.
- APRs starting at 7.99%*
- Loans up to $40,000
- Excellent customer service support
7. PenFed Credit Union – Low Rates for Members
PenFed offers some of the best loan rates for credit union members. Even with average credit, you can access affordable financing.
- APRs from 7.74%*
- No early payoff penalties
- Suitable for smaller, low-risk borrowing
8. Upstart – AI-Powered Approval for Lower Rates
Upstart uses AI to assess credit risk, often offering better rates than traditional banks. Perfect for those with limited credit history.
- APR starts at 7.8%*
- Quick approval and funding
- Good option for younger borrowers
9. Best Egg – Fast Loans with Competitive APRs
Best Egg offers personal loans with a simple application process. Approved borrowers often receive funds within one day.
- APRs starting at 8.99%*
- Great for debt consolidation
- Fixed monthly payments and flexible terms
10. Avant – Reliable Option for Average Credit
Avant serves borrowers with credit scores starting around 580. It’s one of the few lenders offering competitive rates for lower credit profiles.
- APR ranges from 9.95%–35.99%*
- Funding in as little as 24 hours
- Helpful for emergency expenses
How to Choose the Right Low-Markup Loan
When selecting a loan, consider your credit score, income, and repayment ability. Compare interest rates, fees, and terms. Always read the fine print before signing.
Final Thoughts
Choosing a loan with low markup can save thousands over time. Each of the lenders listed above offers reliable, low-interest options tailored to different credit profiles. Evaluate your needs and pick the one that best fits your financial goals.
