Best Personal Loans websites – Before going through the list of personal loans websites,make sure you  get an accurate look at your credit score before you proceed.

prosper.com

Offers loans for debt consolidation,auto loans,business loans,personal loans and others at rates as low as 6.59%.Depending on your credit score and rating that prosper assigns to you,you can avail of a loan starting from $2000 to $25,000.Procedure to apply for a loan requires you to first “list” the loan details including how much you need and for what purpose.Investors will then review the listing and make a decision after checking up on your credit details.Plus points of using prosper is its attractively low rates,no hidden charges,no prepayment penalties or any charges for posting a listing on the site.Term or duration of the loans can be either 1,3 or 5 years.Prosper.com has its own rating that it assigns customers with to aid investors while reviewing your application ,here is a snippet below.

 
 

Lendingclub

One of the biggest lenders on the web.they operate on the principal that lenders that enter their program get a high APY,while borrowers benefit from that same program at a a lower rate.Its a cycle that revolves around the borrowers and lenders with lendingclub.com at the center.Much like how any lending bank in the real world operates.Lending club also has its own credit score it assigns to borrowers based on the credit information they provide in the application form.Based on that score they charge interest rates starting from 6.78% to 27.99% upto a limit of $35,000.Below the investing option for new investors.
 

eloan.com

is a great website that has some great rates and offers for home equity loans,first time home purchase loans or home refinance. Eloan is a group of investors spread across the country that also provides loans for students,auto loans and business.On the website are many tools to calculate mortgage,credit score and other loan calculators.Its also been voted the best mortgage website in 2008.Besides providing loans,eloans also has great APY on deposit certificates and savings accounts,some as high as 1%.