10 Quick Loans From Alternative Lenders in America

Sometimes borrowers from American States are forced to jump off aboard mainstream lenders  to ride on alternative loan providers amid financial needs.

While there are big federal and state commercial banks like JP Morgan Chase Bank,Bank of America and Citigroup that provide large personal loan amounts to clients, Alternative lenders are equally important as they provide quick and fast personal loans to individuals even with average to poor credit scores.Quick alternative loans are applied for online hence named also as quick online loans.

10 Top Alternative Lenders in the US

Here at Mwabaya.com ,am going to list the personal loan givers in private lending starting from the financier giving out the largest amount of loan.

Overview of the Lenders

Here is my list from the largest loan givers to the smallest loan amount providers;

  • SoFi
  • Light Stream 
  • Lending Club
  • Discover
  • PayOff 
  • Avant
  • Bestegg
  • Freedom plus
  • Lending Point
  • Ascend

Best 10 personal loan providers in the alternative lending market
Alternative Lenders

#1  SoFi

Social Finance (SoFi) provide quick personal loans up to $100000 to be relayed within 3 to 5 years.APR charged ranges between 5.49% and 14.24%.

SoFi doesn't charge any origination fees or pre approval fees.The lender gives instant pre approvals within minutes of application. Unlike all other personal loan givers,SoFi provides unemployment protection when the borrower becomes jobless.

The alternative lender gives loans to all United States dwellers and British Columbia dwellers except Nevada State residents.

SoFi Contacts and Working Hours

You can call the SoFi customer care number  on 855-456-7634 on Monday to Thursday from 4am to 9pm or on Friday to Sunday from 4am to 5pm PST.

#2 Light Stream

Light Stream is a division of SunTrust Bank which acts as the financier to all personal loans applied for through the Light Stream website.

The lender provides loans of up to $100000 relayed within 2 to 6 years.The APR charged against the loans ranges between 2.19% and 17.49%

#3 Lending Club 

The Lending Club provides fast loans up to $40000 charged at APR between 5.99% and 35.89%.Lending Club loans last for a duration between 3 to 5 years before repayment.

Lending Club offices are located at 71 Stevenson Street,Suite 300 San Francisco, CA 9A105,USA.

#4 Discover

Discover personal loans go up to $35000 charged APR between 6.99% and 24.99%.Discover loan term ranges between 3 to 7 years.

Discover Contacts and working hours
To get more information about Discover fast personal loans call 1-800-347-7201 on Monday to Friday between 8am and 11pm or Saturday to Sunday between 9am and 6pm Eastern Time(ET).

#5 PayOff

Payoff provide loans of up to $35000 at an APR of between 8% to 25%.

As the name suggests, the lender gives out loans to pay off credit cards balances in partnership with First Electronic Bank.

Payoff Contacts
Potential borrowers can call 1-800-878-0901

#6 Avant

Avant gives loans up to $35000 at APR between 9.95% and 35.99%.Avant personal loans last for a period between 2 to 5 years.

Avant Contacts,working hours and Location

Avant is located at 222N.LaSalle Street,Suite 1700,Chicago, Illinois, 60601.
Call for more through 800-712-5407 on Monday to Friday at 7am to 10pm and Saturday to Sunday between 7am and 5pm Central Time(CT)

#7 Bestegg

Bestegg personal loans amounts go up to $35000 charged between APR 5.99% and 29.99%.Bestegg loans have a loan term ranging from 3 to 5 years before due.

Bestegg Location
Bestegg offices are situated at 1523Concord Pike,suite 201 Wilmington, DE 19803

#8 Freedomplus

Freedom plus loans go up to an maximum of $35000 replayed up to 2 years when due.APR charges for Freedom plus personal loans ranges from 4.99% to 29.99%.

Freedom plus loans are disbursed in partnership with Cross River Bank.

Freedomplus Contacts and location

Freedom plus offices are located at 1875 S.Grant Street #450 San Mateo,CA 94402
You can call 800-368-0061 for more information.

#9 LendingPoint

Lending point provide laons of up to $20000 at APR between 15.49% and 34.499%.Loan term ranges between 2 to 3 years.

Lending Point Location and contacts

Lending Point is located at 1201Roberts Blvd,suite 200 Kennesaw, GA 30144.
You can call 888-969-0959 for help.

#10 Ascend

Ascend consumer finance personal loans amount can go to a maximum of $12500.
Call Ascend customer care contacts through 800-497-5314

Are there Personal loan agents?

In the US there a number of personal loan agents who help borrowers find the right lenders with the best APRR rates in the  alternative lending market.

Personal loans agents help by providing online application forms and cut marks for various aspects including loan amounts,loans term and credit scores.

Approved loans are disbursed through partnerships with real lenders in the finance industry.

I have a list of the best online loan agents.Check it out;


Helps getting loans for borrowers of up to $3500 at APR between 5.99% and 35.99%.Loan terms ranges between 3 to 180 months.

Guide To Lenders

Guide to lenders help customers get up to $40000 in personal loans at APR between 4.93% and 35.99%.Loan terms are between 24 to 84 months.

Even Financial

This agent helps borrowers get up to $100000 in personal loans at APR 4.83% up to 35.89%.Loan terms range between 24 to 84 months.


This agent helps borrowers get loans up to a maximum of $10000 at APR between 5.99% and 35.99%.Loan term ranges from 3 to 60 months. All can apply online.


Easyloanmatch helps borrowers access up to $35000 in personal loans at APR between 6.63% and 36.00%.Loan term ranges between 24 to 84 months.

Are there tribal lending alternatives?

There are alot of tribal native lenders popularly known as payday lenders.Native lenders serve only in states where they are allowed.In some American States such tribal lenders are outlawed.

I have list here the best three of the native American lenders currently;

Best tribal native payday lenders in the US
Tribal Lenders

#1 Mobiloans

Mobilaons is by far the best online payday lender among the tribal lenders. Mobiloans allows customers apply for mobile loans of up to $2500.
Mobiloans is allowed to provide fast mobile cash to residents of up to 35 american States except the following;

  • Louisiana
  • Arkansas
  • Illinois
  • Minnesota
  • Maryland
  • Colorado
  • Connecticut
  • Pennsylvania
  • New Hampshire
  • Rhode Island
  • Vermont
  • New York
  • Maine
  • Massachusetts

Mobilans Contacts and location

Located at 151 Melacon Drive,MarksVille,LA 71351.
Call 877-836-1518

#2 RadiantCash

RadiantCash is a tribal payday lender that serves Wisconsin State and gives quick mobile loans up to $1000.

Radiant Cash is managed by Ishwaaswi LLC.

Radiant Cash contacts and location

Lac Due Flambeau, WI 54538
Call 1-855-723-9935 or 1-855-572-3227

#3 American Web Loan

American Web Loan is a native lender based in OK giving residents fast mobile loans through of up to $2500.

American Web Loans are however, not available for residents of AR,CT,GA,NY and WA.

American Web Loans Contacts and Location

Offices are located at 2128 N.14th Street,Suite 1 #130 Ponca City,OK 74601.
Call 877-860-7171 for instalment loans and 877-636-1353 for flex loans.

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