Based on your check, you may qualify for around $11,925. If you’re comparing offers, these three lenders stand out for one reason worth paying attention to: they don’t charge an origination fee, which means more of your loan actually reaches your pocket.
An origination fee is a one-time charge some lenders deduct from your loan before they send you the money — often 1% to 10% of the amount. On a loan of this size, that can quietly cost you hundreds of dollars. The three lenders below are known for charging no origination fee, so the amount you’re approved for is the amount you receive.
Quick Comparison
| Lender | APR Range | Loan Amount | Origination Fee |
|---|---|---|---|
| SoFi | 6.99% – 35.49% | $5,000 – $100,000 | None |
| LightStream | 6.49% – 24.89% | Up to $100,000 | None |
| Discover | 6.99% – 24.99% | $2,500 – $40,000 | None |
1. SoFi
SoFi
No FeesSoFi charges no required origination fee, no prepayment penalty, and no late fees, so the amount you’re approved for is the amount that lands in your account. Its APR range already reflects available autopay and member discounts, and borrowers also get access to SoFi’s member benefits, such as financial planning and rate discounts on other products. SoFi generally looks for good credit — often around a 680 score or higher — so it tends to be a strong fit if your credit is in solid shape and you want a larger loan with no fees eating into it.
Apply at SoFi →2. LightStream
LightStream
No FeesLightStream, a division of Truist, is a true no-fee lender — no origination fees, no late fees, and no “optional” fees of any kind. It stands out for two things: an autopay rate discount, and its Rate Beat Program, which will beat a competing lender’s rate on a comparable loan by 0.10 percentage points if you qualify. Its minimum credit score is around 660, and it offers some of the longest terms available, which can help keep monthly payments low on larger loans. If you have decent-to-strong credit and want to compare rates aggressively, LightStream is built for that.
Apply at LightStream →3. Discover
Discover
No FeesDiscover charges no origination fee and no fee for paying your loan off early, so there’s no penalty for getting ahead on payments. Its minimum credit score is around 660, and it’s a solid choice for mid-sized loans, with amounts from $2,500 to $40,000. If you’re consolidating debt, Discover can send the loan funds directly to your other creditors, which simplifies the payoff. The rate range is competitive for borrowers with fair-to-good credit, making it a dependable no-fee option when you don’t need six figures.
Apply at Discover →Every figure above is an estimate or a published range as of September 2026 and is subject to change. Actual approval, loan amount, interest rate, and repayment terms are determined solely by the lender you choose, based on their own full review of your credit, income, and financial history. Nothing on this page guarantees approval, and Steadledge is not a lender — all applications are submitted directly to the lender you select.