#1
SoFi
Member-first digital lender with no fees
4.8/5
Editor verified · 12,483 reviews
- APR
- 8.99%–25.81%
- Loan amount
- $5,000 – $100,000
- Min. credit
- 680
Best for: Excellent credit, high loan amounts
Independent since 2011
The honest way to compare lenders, loans and credit cards.
BankMatch reviews 300+ lenders and 180+ credit cards across 18 countries. Editor-scored. Rate-verified. Never sponsored to rank. Get your matches in three minutes — no credit check, ever.
Bank-grade encryption No credit check No pushy sales calls
$8.4B
Matched globally in 2025
4.2M
Borrowers helped
4.9★
28,410 reviews
Live rate desk · Nov 2026
Editorially independent Bank-grade encryption No credit check, ever Rates verified daily Reader-funded reviews
Live · US
30-yr fixed mortgage6.42%-0.03%
15-yr fixed5.71%-0.02%
Variable mortgage6.18%+0.01%
HELOC8.52%+0.04%
Personal loan (prime)9.12%-0.05%
New auto7.14%+0.02%
Used auto7.98%-0.01%
Credit card avg (APR)22.70%
Fed funds4.75%
Top savings4.60%
30-yr fixed mortgage6.42%-0.03%
15-yr fixed5.71%-0.02%
Variable mortgage6.18%+0.01%
HELOC8.52%+0.04%
Personal loan (prime)9.12%-0.05%
New auto7.14%+0.02%
Used auto7.98%-0.01%
Credit card avg (APR)22.70%
Fed funds4.75%
Top savings4.60%
Compare by category
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APR, fees and qualification criteria — normalized across every reviewed lender and refreshed daily from lender rate desks and Fed funds.
from 9.12% APRPersonal Loans
Consolidate debt, cover emergencies, fund life events
7+ lenders reviewedCompare
from 5.71% APRMortgages
Purchase, refi, HELOC and jumbo home financing
3+ lenders reviewedCompare
from 7.14% APRAuto Loans
New, used and refi rates from 50+ lenders
3+ lenders reviewedCompare
from 9.12% APRStudent Loans
Undergrad, grad, refi and parent PLUS options
3+ lenders reviewedCompare
avg 22.7% APRCredit Cards
Cash back, travel, balance transfer and business
12+ cards reviewedCompare
Editor's picks · November 2026
This month's best-rated lenders.
Scored across five weighted dimensions — rates, transparency, flexibility, qualification and customer experience — by editors who have covered consumer finance for a decade.
#2
LightStream
A division of Truist for prime borrowers
4.7/5
Editor verified · 9,421 reviews
- APR
- 7.49%–25.29%
- Loan amount
- $5,000 – $100,000
- Min. credit
- 695
Best for: Home improvement and large purchases
#3
Rocket Mortgage
America's largest mortgage originator
4.6/5
Editor verified · 42,199 reviews
- APR
- 6.375%–8.25%
- Loan amount
- $25,000 – $3,000,000
- Min. credit
- 620
Best for: First-time buyers wanting a smooth digital experience
#4
Upstart
AI-driven underwriting for thin-file borrowers
4.5/5
Editor verified · 18,902 reviews
- APR
- 7.8%–35.99%
- Loan amount
- $1,000 – $50,000
- Min. credit
- 300
Best for: Fair credit and short credit histories
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Credit cards
Cards our editors carry.
From flat-rate cash back to premium travel benefits — the cards we actually keep in our own wallets.
CHASE
travel
•••• •••• •••• CSP•
Chase Sapphire Preferred
Chase
Chase Sapphire Preferred
4.9
- Rewards
- 1x–5x points
- Annual fee
- $95
- Welcome bonus
- 60,000 points after $4,000 in 3 months
Best for: Points transfers and travel protections
AMERICAN EXPRESS
travel
•••• •••• •••• AXG•
American Express Gold Card
AMEX
American Express
American Express Gold Card
4.7
- Rewards
- 1x–4x points
- Annual fee
- $250
- Welcome bonus
- 60,000 Membership Rewards after $6,000 in 6 months
Best for: Foodies and grocery-heavy households
CapitalOne
travel
•••• •••• •••• COVX
Capital One Venture X
Capital One
Capital One Venture X
4.8
- Rewards
- 2x–10x miles
- Annual fee
- $395
- Welcome bonus
- 75,000 miles after $4,000 in 3 months
Best for: Premium travel benefits at a lower fee
citi®
cashback
•••• •••• •••• CDC•
Citi Double Cash Card
Citi
Citi Double Cash Card
4.6
- Rewards
- 2% on all purchases
- Annual fee
- $0
- Welcome bonus
- $200 after $1,500 in 6 months
Best for: Flat-rate cash back on everything
DISCOVER
cashback
•••• •••• •••• DIT•
Discover it Cash Back
DISCOVER
Discover
Discover it Cash Back
4.5
- Rewards
- 5% rotating / 1% base
- Annual fee
- $0
- Welcome bonus
- Cashback Match (unlimited first-year match)
Best for: First-year rewards maximizers
Wells Fargo
cashback
•••• •••• •••• WFAC
Wells Fargo Active Cash
Wells Fargo
Wells Fargo Active Cash
4.4
- Rewards
- 2% on all purchases
- Annual fee
- $0
- Welcome bonus
- $200 after $500 in 3 months
Best for: Everyday flat-rate cash back
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Reader since 2019
Refinanced two loans
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