Updated October 9, 2026 · BorrowCue Editorial Team

Top personal loans compared in China

612 lenders available in China, ranked for China.

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Top personal loans compared in China
#	Lender	Score	Features	Key facts	Actions
1	8lendsTop pick 8lends is an online lending service at app.8lends.io offering personal loans.	Not rated			Review Compare Visit
2	OneMain Financial	9.3/10	Fixed rate Same day funding	APR: 11.99% to 35.99% Loan amount: $1,500 to $30,000 Term: 24 to 60 months	Review Compare See alternatives
3	Klarna 30% off Klarna Premium or Max for 3 months: 30% off for 3 months	9.2/10		APR: 0% to 35.99% Term: 3 to 24 months Credit check: Soft prequal	Review Compare See alternatives
4	NLB Banka Kosova NLB Depozita me afat: Bonus up to 200 EUR	9.2/10	Fixed rate	APR: 7.47% to 8.01% Loan amount: up to €35,000 Term: 120 months	Review Compare See alternatives
5	Ferratum	9.1/10	Same day funding	APR: 30.31% to 57.26% Loan amount: SEK 10,000 to SEK 50,000 Arrangement fee: 565 SEK	Review Compare See alternatives
6	LendingPoint	9.1/10	Fixed rate	APR: 7.99% to 35.99% Loan amount: $1,000 to $36,500 Term: 24 to 72 months	Review Compare See alternatives
7	aiBank	9.0/10	Same day funding	Loan amount: up to CN¥300,000 Arrangement fee: Personal credit loan installment service fee 0.75%-0.90% per month, charged instead of normal interest on specific products Credit check: Hard	Review Compare See alternatives
8	ProCredit Bank Kosovo Hap llogari dhe Fito Menjëherë (open an account and win immediately)	9.0/10	Same day funding	Loan amount: up to €10,000 Credit check: Hard Funding time: Loan in about 3 minutes, fully online, money credited to the account immediately	Review Compare See alternatives
9	EZLendr	8.9/10	Fixed rate	APR: 7.03% Loan amount: $200,000 Term: 360 months	Review Compare See alternatives
10	Cash Plus Kosovo	8.8/10	Same day funding	Loan amount: €200 to €7,000 Term: 6 months Credit check: Hard	Review Compare See alternatives

Licensed in China

aiBank: Banking financial licence (金融许可证) published on the bank's qualifications page; issuing regulator not named on the page
Ant Group: People's Bank of China
Suning Bank: China Banking and Insurance Regulatory Commission (CBIRC), licence institution code for a private bank

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8lends

Top pick for China