Personal loans can be lifesavers. Whether you need to make a few improvements around the house or consolidate that previous debt, there are several lenders to choose from. Before borrowing, always make sure you borrow only what you need and can pay back your loan. To┬ámake looking for a lender easier, we’ve found the top 5 personal loan companies everyone should consider in 2018.

Marcus By Goldman Sachs

Marcus is by far the best overall company for personal loans. This company is part of the Wall Street giant Goldman Sachs and focuses on debt consolidation, credit card consolidations, home improvement, and other personal loans. Loans range from $3,500 to $40,000 with interest rates from 6.99% APR to 24.99% APR.

The best part? With Marcus, there is no origination, prepayment, or late fees.

SoFi

SoFi is a great lender for young professionals. The company started as a student loan lender and now also offers personal loans, mortgage loans, and student loan refinancing.

Interest rates normally range from 6.2% to 15.24% for those enrolled in auto pay. You can take out loans anywhere from $5,000 to $100,000 on 2, 4, 5, 6, or even 7-year terms.

Best Egg

Best Egg is great for people looking for solely personal loans. They offer loans for debt consolidation, home improvement, and more. Best Egg has loans from $2,000 to $25,000. Interest rates range from 5.99% to 29.99% as well as 3 or 5-year repayment terms. Although, you need a credit score of 640 or higher to qualify.

Earnest

If you’re seeking payment flexibility, Earnest is your best bet. Borrowers can choose their preferred monthly payment for student loan refinancing, home loans, and personal loans. Interest rates range from 5.49% to 18.24% for loans anywhere from $5,000 to $75,000. Repayment is available in 3, 4, or 5-year terms.

Payoff

Payoff’s specialty is “The Payoff Loan,” which is an option to pay off and consolidate credit card debt. Borrowers must pay an origination fee of 2% to 5% of the loan value. Interest rates range from 5.49% to 22.60%. To make the deal sweeter, there are no early payment, late, or returned check fees. Applicants need a 640 credit score and a debt-to-income ratio under 50 percent to qualify.