Updated October 9, 2026 · BorrowCue Editorial Team

Top lenders in China compared

691 lenders available in China, ranked for China.

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Top lenders in China compared
#	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	Alt Lending	9.4/10	Fixed rate	APR: 3% Arrangement fee: 0 Credit check: Soft prequal	Review Compare See alternatives
3	Spark	9.3/10	Same day funding	Arrangement fee: 0 Credit check: None Funding time: Instant, on-chain in the borrow transaction	Review Compare See alternatives
4	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
5	Upstart Mortgage Home Equity Line of Credit	9.3/10		Initial rate: 6.52% to 18% APRC: 6.52% to 18% Product fee: $0	Review Compare See alternatives
6	Bluevine	9.2/10	Same day funding	Loan amount: up to $250,000 Arrangement fee: 0 USD (no maintenance fees) Credit check: Soft prequal	Review Compare See alternatives
7	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
8	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
9	Cashaa	9.1/10	Fixed rate Same day funding	APR: 0% to 12% Loan amount: $1,000 to $70,000 Term: up to 12 months	Review Compare See alternatives
10	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

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