Updated September 30, 2026 · BorrowCue Editorial Team

Top private student loans compared in the United States

20 lenders available in the United States, ranked for the United States.

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Top private student loans compared in the United States
#	Lender	Score	Features	Key facts	Actions
1	Alt LendingTop pick	9.4/10	Fixed rate	APR: 3% Arrangement fee: 0 Credit check: Soft prequal	Review Compare Visit
2	LendKey 0.25% autopay interest rate reduction on private student loans: 0.25% APR reduction	9.0/10	Fixed rate	APR: 2.09% to 15.54% Loan amount: from $1,000 Term: 60 to 180 months	Review Compare Visit
3	BadCreditLoans.com	8.4/10		APR: 19.9% Loan amount: $500 to $10,000 Term: 3 to 72 months	Review Compare Visit
4	Ascent Funding	9.4/10	Fixed rate	APR: 1.94% to 17.5% Loan amount: $2,001 to $200,000 Term: 60 to 180 months	Review Compare See alternatives
5	Sallie Mae	9.4/10	Fixed rate	APR: 2.08% to 17.49% Loan amount: from $1,000 Arrangement fee: 0 USD (no origination fee)	Review Compare See alternatives
6	Nelnet Bank	9.4/10	Fixed rate	APR: 2.49% to 10.78% Loan amount: $1,000 to $125,000 Term: 60 to 120 months	Review Compare See alternatives
7	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
8	SoFi	9.2/10		Loan amount: up to $100,000 Term: up to 84 months Arrangement fee: 0	Review Compare See alternatives
9	MPOWER Financing Auto pay interest rate discount: 0.25% interest rate discount	9.1/10	Fixed rate	APR: 10.89% to 18.88% Loan amount: $2,001 to $100,000 Term: 120 months	Review Compare See alternatives
10	Abe Student Loans 2% Grad Reward: 2% of net disbursed loan amount reduction in principal balance	9.0/10	Fixed rate	APR: 2.08% to 16.58% Loan amount: $1,000 to $300,000 Term: 60 to 240 months	Review Compare See alternatives