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Friday, October 23, 2026 Independent since 2026. We are not a lender.
Hub for Credit

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Personal loans with no origination fee

An origination fee is usually taken out of the loan before you receive it: on a $10,000 loan with a 5% fee, $9,500 reaches your account. The lenders on this list don’t charge one.

13 lenders. Rates and terms checked on each lender's website on October 16, 2026. For reference, the Federal Reserve's average 24-month personal loan rate at commercial banks was 11.90% (August 2026).

Alliant Credit Union

Credit union

APR
From 9.49%
Loan amounts
$1,000 to $100,000
Origination fee
None
  • No origination fee
  • Credit unions
  • Same-day funding
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

Citi

Bank

APR
10.24% to 18.49%
Loan amounts
$2,000 to $30,000
Origination fee
None
  • No origination fee
  • Banks
  • Same-day funding
See details

Discover

Bank

APR
6.99% to 24.99%
Loan amounts
$2,500 to $40,000
Origination fee
None
  • No origination fee
  • Banks
See details

LightStream

Online lender

APR
9.99% to 25.44%
Loan amounts
$5,000 to $100,000
Origination fee
None
  • No origination fee
  • Same-day funding
  • Loans of $75,000 or more
See details

Navy Federal Credit Union

Credit union

APR
8.74% to 18.00%
Loan amounts
$250 to $150,000
Origination fee
None
  • No origination fee
  • Credit unions
  • Same-day funding
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

OppLoans

Online lender

APR
Up to 195.00%
Loan amounts
$500 to $5,000
Origination fee
None
  • No origination fee
  • For fair or bad credit
  • Same-day funding
  • Loans of $1,000 or less
  • APR above 36%
See details

Patelco Credit Union

Credit union

APR
6.99% to 17.90%
Loan amounts
$300 to $100,000
Origination fee
None
  • No origination fee
  • Credit unions
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

PNC Bank

Bank

APR
6.99% to 25.29%
Loan amounts
$5,000 to $35,000
Origination fee
None
  • No origination fee
  • Banks
See details

Regions Bank

Bank

APR
8.74% to 29.99%
Loan amounts
$2,000 to $50,000
Origination fee
None
  • No origination fee
  • Banks
See details

U.S. Bank

Bank

APR
9.24% to 24.99%
Loan amounts
$1,000 to $50,000
Origination fee
None
  • No origination fee
  • Banks
  • Same-day funding
  • Loans of $1,000 or less
See details

How we report

Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

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Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a better review, and nobody outside our editorial team sees a piece before it runs.

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Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.