The Best Online Personal Loan Rates and Offers 1. LendingClub. LendingClubis perhaps the best known of all P2P lending platforms and generally gets the highest rating. 2. Monevo. Monevois an online personal loan marketplace. They work with more than 30 lenders, including some on this. 3. . Bad Credit Personal Loans – Are they really guaranteed? These loans offer near-automatic approval without even performing a credit check on the applicant. So if you have poor credit and need financing, you could likely get approved for a guaranteed installment loan for bad credit. legitimate payday loans online Loan providers that ask for a loan origination fee up front: A common personal loan scam involves a “bank” that offers you a loan with no credit check. But after you apply for a loan, the bank asks you to submit a hefty loan origination fee, or an “administrative fee,” before you get your funds.