Updated on

Best Personal Loans in Huntington

Discover the top loans in Huntington, tailored to your financial needs. As a bustling city in the, Huntington offers a variety of lending options. Compare and choose from reputable lenders to secure a loan that meets your unique circumstances.

Best Personal Loans in Huntington
Daniel Lewis
Written by:Daniel Lewis
MBA accredited investment professional
Best Personal Loans with Cosigner

Many or all of the products featured here are from our partners who compensate us. This may affect which companies we write about and where the company appears on a page. However, any analyses, or reviews expressed in this article are those of the author’s alone, and have not been approved or endorsed by any partner.

At Finimpact, we're committed to bringing you the best loan options in Huntington. Our team of financial experts has thoroughly vetted and reviewed each lender to ensure they meet our high standards for quality and reliability. Huntington's thriving economy and population of over 45,000 residents make it a prime location for various loan opportunities. 

Best Personal Loans with Cosigner

Top Picks for Personal Loans in Huntington 

Choosing the best personal loan in Huntington can be a daunting task. Our expert loan reviewers consider some the following when assessing loan providers:

  • Loan Features
  • Interest Rates & Fees
  • Application Process
  • Qualification Process 
  • Customer Support 
  • Online User Reviews

When selecting a loan in Huntington, consider factors such as interest rates, repayment terms, and loan amounts to find the perfect fit for your financial situation. By incorporating local statistics and understanding the unique needs of Huntington's community, we've crafted a comprehensive list of lenders to help you make an informed decision and achieve your financial goals.


Top Personal Loans in Huntington: Full Overview

Here are some of the best personal loans available to residents of Huntington including the entire state of West Virginia. 

LightStream — Best Overall Personal Loan


LightStream is our best personal loan overall because of their high loan amounts and the many repayment terms they offer. This provider advertises some of the lowest rates in the business, and offers an auto-pay interest discount, if you choose that payment option.

Low APRs for good credit
Loan amounts up to $100,000
Check your rate with no impact on your credit
Auto-pay discount available
Not available for borrowers with bad credit
Rates without auto-pay are .50% higher
Minimum loan amount of $5,000

The amount you can borrow with a LightStream personal loan varies based on the loan purpose, yet amounts up to $100,000 are available and loan terms can be up to 20 years. These loans come with no origination fees and no hidden fees, and a generous .50% auto-pay discount is available. Borrowers who qualify can expect interest rates from 3.49% to 19.99% with auto-pay.

To qualify, you need to have good credit that includes several years of credit history, sufficient income and assets to support your existing debt obligations and requested loan amount.

LightStream also has an app where customers can make payments, apply for new loans, track payment due dates, and track loan balances.

The Bottom Line

LightStream loans offer some of the industry’s lowest interest rates and some of its highest personal loan limits. If you have strong credit, this lender is ideal for you.

Avant — Best for Small Personal Loans


Avant is a solid option for borrowers who need a small personal loan from $2,000 to $35,000. Avant has a mobile app that lets you track your repayment progress and make payments using your mobile device.

Low loan amounts available
Check your rate with no impact on your credit
Mobile app available
Available for fair and poor credit
Administration fee up to 4.75%
Potential for a high APR
Lower borrowing limits than other lenders

To qualify for a personal loan from Avant you’ll need a minimum credit score of 580. Consider these fair to poor credit loans if you need a smaller amount of $2,000 to $35,000, less an administration fee (similar to an origination fee) of 4.75%. Interest rates range from 9.95% to 35.99% based on creditworthiness, and the loans are repayable over 24 to 60 months.

The Bottom Line

Avant personal loans work for borrowers who need less cash than the other personal loan companies offer. Borrowers can get prequalified without a hard inquiry, and can get funds deposited in their bank account the next business day after approval.

Try Avant

SoFi — Best for Loans with No Origination Fee


SoFi offers personal loans, student loans, investing, and banking services. The personal loan personal loan comes with no origination fees and no hidden fees, which is ideal for borrowers who want to get a personal loan at minimal cost. SoFi also generous loan limits for those who qualify, and borrowers can check their rate without any impact to their credit.

Loan amounts up to $100,000 available
Check your rate with no impact on your credit
No origination fees or hidden fees
Unemployment protection offered
Same-day funding available
High minimum loan amount of $5,000
Not available for bad credit
Lowest rates require auto-pay

SoFi offers personal loans in amounts from $5,000 to $100,000, and interest rates range from 5.99% to 21.78% with auto-pay depending on creditworthiness. Borrowers can repay their loans over 24 to 84 months, and there are no origination fees or hidden fees. While SoFi does not disclose their minimum credit score requirements, this company offers loans to individuals with good or excellent credit.

The Bottom Line

SoFi personal loans are perfect for borrowers with good credit who want to avoid origination or other fees. These loans also work well for borrowers who need a high loan amount, as well as those who already use other financial products from this financial services company.

Try SoFi

Upgrade — Best for Emergency Loans


Upgrade personal loans are available for up to $50,000, and you can get your loan funded in as little as one day. This makes Upgrade a smart option if you need an emergency loan. You can get prequalified without a hard inquiry to determine your approval odds before making a full application. Then, once you apply, get approved within minutes.

Check your rate with no impact on your credit
Funding in as little as one day
Generous loan amounts available
Choose from flexible repayment terms
Origination fee charged on every loan
Potential for a high APR

Personal loans through Upgrade come in amounts from $1,000 to $50,000, and borrowers can choose repayment terms that last from 24 to 84 months. Interest rates will fall between 5.94% to 35.97% depending on your creditworthiness. Also be aware that each Upgrade personal loan comes with an origination fee of 2.9% to 8%.

The Bottom Line

Upgrade personal loans can be funded as soon as the day after you apply. That makes them ideal for people who need a loan quickly , whether funds are required for a large purchase or an emergency expense.

OneMain Financial — Best for Loans with Bad Credit

OneMain Financial

OneMain Financial does not disclose their minimum credit score requirements. But, their loan options, interest rates, and terms make them ideal for borrowers with poor credit who may not get approved for other loans. Loan amounts are lower than some competing lenders offer, but OneMain Financial personal loans can still help you if you need access to cash. This company is also one of the few on our list that offers in-person branches you can visit if you need personalized help.

Available for bad credit borrowers
Visit 1,400 nationwide locations
Check your rate with no impact to your credit
Flexible repayment options
Lower loan amounts than other lenders
Potential for a very high APR
High origination fees likely

Borrowers who apply for a loan with OneMain Financial may get approved for from $1,500 to $20,000. Repayment terms are from 24 months to 60 months, and interest rates may fall between 18% and 35.99% depending on creditworthiness. An origination fee of 1% to 10% may apply, although applicants in some states may be asked to pay a flat fee instead.

The Bottom Line

If you have poor credit but you need a loan, OneMain Financial might be your answer. Interest rates and fees are high, but you could borrow up to $20,000, if you can prove your ability to repay.

What To Be Aware of When First Contacting a Lender

To begin, it's essential to research the lender and understand their specific terms and conditions, which may include loan amounts, interest rates, repayment terms, and fees. 

Doing so will help you determine whether the lender aligns with your financial needs and goals.

It's also crucial to have a clear understanding of your credit score and history, as these factors can heavily influence the loan terms and conditions offered by the lender. Lenders typically have minimum credit score requirements and may offer more favorable terms to borrowers with higher credit scores.

Prepare the necessary documentation to streamline the loan application process. Lenders generally require proof of income, employment, and identification, along with other financial records, such as tax returns and bank statements. Having these documents ready can expedite the process and demonstrate your preparedness and responsibility as a borrower.

Ask questions and seek clarification on any unclear terms or conditions. It's essential to fully understand the loan terms, fees, and repayment schedule before committing to a loan, as misunderstandings can lead to financial strain or default.

Contact more than one lender to compare loan offers and find the most suitable option for your needs. Shopping around for the best loan terms can save you money in the long run and help you secure a loan that aligns with your financial goals. By following these guidelines, you can approach lenders with confidence and make informed decisions about your financial future.

Key points to remember when first contacting a lender:

  • Research the lender: Understand their terms and conditions, including loan amounts, interest rates, and fees, to ensure they align with your financial goals.
  • Know your credit score: Your credit score and history can heavily influence loan terms, and lenders may have minimum credit score requirements.
  • Prepare documentation: Gather necessary documents, such as proof of income, employment, identification, tax returns, and bank statements, to expedite the application process.
  • Ask questions: Seek clarification on any unclear terms or conditions to fully understand the loan agreement before committing.
  • Compare loan offers: Reach out to multiple lenders to find the most suitable loan option for your needs.
  • Be aware of potential fees: Understand any fees associated with the loan, such as origination fees, late payment fees, or prepayment penalties.
  • Consider pre-approval: Some lenders offer pre-approval, which can give you an idea of the loan terms you may qualify for without affecting your credit score.

What you Need To Know About Credit Scores Before You Take  A Loan

Understanding the potential dangers and effects of not repaying loans on time is critical before taking out a loan. Late payments and failure to repay loans can lead to a multitude of financial consequences, affecting your credit score and future borrowing opportunities. When you miss loan payments or make late payments, your credit score may decline, making it difficult to secure new loans or receive favorable interest rates in the future. Furthermore, the lender may impose additional late fees and penalties, increasing your overall debt burden.

In worst-case scenarios, defaulting on a loan can result in severe consequences such as wage garnishment, property repossession, or legal action taken against you. This can further damage your credit score, hinder your financial stability, and limit your ability to obtain loans or lines of credit for several years. By understanding the risks associated with late payments and defaulting on loans, borrowers can take proactive steps to avoid these consequences and maintain a healthy financial standing.

It's essential to develop a repayment plan, adhere to a budget, and communicate with lenders when facing financial difficulties to minimize the impact of late payments and protect your credit score.

To help readers avoid the dangers of late payments and loan defaults, here are seven practical tips:

Set up automatic payments: Enabling automatic payments from your bank account can help you avoid missed payments and late fees by ensuring timely transactions.

Create a budget: Establishing a budget that accounts for loan repayments will help you prioritize your financial obligations and allocate funds accordingly.                

Monitor your credit report: Regularly reviewing your credit report can help identify inaccuracies and potential issues that may impact your credit score.

Communicate with lenders: If you're struggling to make payments, contact your lender to discuss potential alternative repayment plans or hardship options.

Build an emergency fund: Setting aside money for unexpected expenses can provide a financial safety net, reducing the likelihood of late payments during difficult times.

Prioritize high-interest debts: Focusing on repaying high-interest loans first can save you money in the long run and help you manage your overall debt more effectively.

Seek professional advice: Consulting with a financial advisor or credit counselor can provide tailored guidance on managing debt and avoiding late payments.

About the Author

Daniel Lewis

Daniel Lewis

MBA accredited investment professional

Daniel Lewis is an MBA accredited investment professional who wants to assist small business owners to gain access to finance.

More about me

Related Loan Picks

Show More