Compare Lenders

Find the best financing option for your vehicle repairs. We compare rates, terms, credit requirements, and features from top lenders.

12 Lenders Compared
Updated January 2026

Detailed Lender Comparisons

2. LightStream

Personal Loans

💰 Loan Amount

$5,000 - $100,000

📊 APR Range

7.49% - 25.49%

📋 Min Credit Score

700+ (Good to Excellent)

✨ Key Highlights

Low APRHigh AmountsNo FeesSame Day Funding

Best For: Borrowers with excellent credit (700+) who need larger loan amounts. $5,000 minimum may exceed smaller repair needs.

3. Upstart

AI-Based Lending

💰 Loan Amount

$1,000 - $50,000

📊 APR Range

7.80% - 35.99%

📋 Min Credit Score

620+ (Considers education)

✨ Key Highlights

AI UnderwritingEducation ConsideredFast Approval

Best For: Young professionals with limited credit history. 0-12% origination fees may apply.

4. SoFi

Personal Loans

💰 Loan Amount

$5,000 - $100,000

📊 APR Range

8.99% - 29.99%

📋 Min Credit Score

680+ (Good credit)

✨ Key Highlights

No FeesMember BenefitsUnemployment Protection

Best For: High earners with good credit who want member benefits. $5,000 minimum.

5. Prosper

Peer-to-Peer

💰 Loan Amount

$2,000 - $50,000

📊 APR Range

8.99% - 35.99%

📋 Min Credit Score

640+ (Fair to Good)

✨ Key Highlights

Joint ApplicationsMobile AppFlexible Amounts

Best For: Borrowers applying with co-borrower. 1-9.99% origination fees.

6. Marcus by Goldman Sachs

Personal Loans

💰 Loan Amount

$3,500 - $40,000

📊 APR Range

8.99% - 29.99%

📋 Min Credit Score

660+ (Good credit)

✨ Key Highlights

No FeesOn-Time RewardPayment Flexibility

Best For: Good credit borrowers who value on-time payment incentives.

7. Avant

Fair Credit Specialist

💰 Loan Amount

$2,000 - $35,000

📊 APR Range

9.95% - 35.99%

📋 Min Credit Score

550+ (Fair credit OK)

✨ Key Highlights

Fair Credit WelcomeFast FundingCredit Building

Best For: Fair credit borrowers (550-650). Up to 4.75% admin fee may apply.

8. Best Egg

Personal Loans

💰 Loan Amount

$2,000 - $50,000

📊 APR Range

8.99% - 35.99%

📋 Min Credit Score

600+ (Fair to Good)

✨ Key Highlights

Quick ApprovalSecured OptionDirect Payment

Best For: Borrowers wanting secured loan options. 0.99-8.99% origination fees.

9. Upgrade

Personal Loans

💰 Loan Amount

$1,000 - $50,000

📊 APR Range

8.49% - 35.99%

📋 Min Credit Score

580+ (Fair credit OK)

✨ Key Highlights

Low MinimumCredit MonitoringJoint Applications

Best For: Fair credit borrowers needing smaller amounts. 1.85-9.99% origination fees.

10. OneMain Financial

Secured & Unsecured

💰 Loan Amount

$1,500 - $20,000

📊 APR Range

18.00% - 35.99%

📋 Min Credit Score

No minimum (Bad credit OK)

✨ Key Highlights

No Credit MinimumBranch LocationsSame Day Cash

Best For: Bad credit borrowers or those preferring in-person service. Higher APR.

11. LendingClub

Personal Loans

💰 Loan Amount

$1,000 - $40,000

📊 APR Range

9.57% - 35.99%

📋 Min Credit Score

600+ (Fair credit OK)

✨ Key Highlights

Joint ApplicationsDirect Pay OptionEstablished Lender

Best For: Those wanting established lender with joint applications. 3-8% origination fees.

12. Discover Personal Loans

Personal Loans

💰 Loan Amount

$2,500 - $40,000

📊 APR Range

7.99% - 24.99%

📋 Min Credit Score

660+ (Good credit)

✨ Key Highlights

No FeesLower Max APRTrusted Brand

Best For: Good credit borrowers wanting no-fee loans from trusted brand.

Quick Comparison Table

LenderLoan AmountAPR RangeMin CreditFees
Tresl Auto Loan$500 - $5,0007.99% - 35.99%580+No fees
LightStream$5,000 - $100,0007.49% - 25.49%700+No fees
Upstart$1,000 - $50,0007.80% - 35.99%620+0-12%
SoFi$5,000 - $100,0008.99% - 29.99%680+No fees
Prosper$2,000 - $50,0008.99% - 35.99%640+1-9.99%
Marcus$3,500 - $40,0008.99% - 29.99%660+No fees
Avant$2,000 - $35,0009.95% - 35.99%550+Up to 4.75%
Best Egg$2,000 - $50,0008.99% - 35.99%600+0.99-8.99%
Upgrade$1,000 - $50,0008.49% - 35.99%580+1.85-9.99%
OneMain$1,500 - $20,00018.00% - 35.99%NoneVaries
LendingClub$1,000 - $40,0009.57% - 35.99%600+3-8%
Discover$2,500 - $40,0007.99% - 24.99%660+No fees

Why Tresl is Best for Auto Repairs

🔧 Purpose-Built for Repairs

Tresl specializes exclusively in vehicle repair and maintenance financing. We understand your specific needs.

💵 Right-Sized Loans

Loans starting at $500, perfect for smaller repairs like brake jobs or battery replacements.

🏪 Freedom to Choose

Funds deposited directly to your account. Use any repair shop, dealership, or parts store.

✅ Fair Credit Welcome

Minimum credit score of 580. We welcome borrowers who may not qualify elsewhere.

⚡ Fast Approval Process

Get an instant decision in minutes. Funds deposited in 1-2 business days after approval.

🚫 No Hidden Fees

No prepayment penalties, no origination fees, no surprises. What you see is what you get.

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