Quick Review: Plain Green loans are extremely expensive short-term loans offered by the Chippewa Cree Tribe, a sovereign nation within the U.S. Their interest rates range from 210% to 428%, and the loans must be paid back within 10 to 26 months. Although they don’t charge fees aside from a returned payment fee, they remain very costly. People with damaged credit who need an emergency loan should instead try less expensive lenders that will accept applicants with bad credit or visit their local credit unions to see if any are willing to work with a low credit score.

Bottom line: Marcus personal loans are ideal for people with good-to-excellent credit scores, offering APRs as low as 6.99%. The minimum credit score requirement for a Marcus personal loan is also reported to be around 660. Plus, one of the best parts about Marcus personal loans, provided by a division of Goldman Sachs Bank, is that they’re completely fee-free. Marcus won’t even charge a late fee, unlike many major lenders.

Oportun Review Summary: Oportun loans are expensive, though the company is not transparent about their overall rates and fees, which vary by state. Oportun does not disclose an overall minimum APR, but has an APR cap of 36%. Oportun’s main draw is that they don’t require you to even have a credit score to apply, and they will accept applicants who have bad credit. However, their loans are small, only $300 to $10,000.

Quick Review: Citizens One personal loans can be ideal for people with good or excellent credit. It takes a 680 credit score to qualify – a bit higher than what most major lenders require. Qualified borrowers can get an APR as low as 7.99% – one of the lowest starting rates on the market. And Citizens One’s maximum APR is 20.89%, which is cheaper than the highest APRs on many competitors’ loans. To top it off, Citizens One personal loans are totally fee-free. They have no origination-, prepayment- or late fees.

Quick Review: Barclays personal loans offer one of the cheapest minimum APRs on the market, at 4.99%. Their maximum APR of 20.99% is lower than what many other lenders offer, too. The one downside is that these low rates aren’t available to everyone. Though Barclays doesn’t disclose a minimum credit score requirement, the consensus from third-party sources is that you will generally need a 700+ score. In addition, you can currently only apply for a Barclays personal loan if the company invites you to do so.

Quick Review: Citibank personal loans are best for people with good credit who already have a bank account from Citi. You will need a 680+ credit score and a Citibank checking account, savings account, money market account or certificate of deposit to qualify for a Citi personal loan. That account must be at least three months old, too.

Bottom line: American Express personal loans are only available to people with an American Express credit card account who have received a pre-approved personal loan offer through Amex’s automated system. They also require a credit score of 660 or higher.

Quick Review: FreedomPlus personal loans can be a good choice for people with excellent credit and bad credit alike. Applicants with high credit scores may be able to qualify for the minimum APR of 7.99%, which is among the cheapest on the market. Those with bad credit may be able to qualify for a loan, too, since the minimum credit score requirement is just 620, but they may pay as much as 29.99% in interest each year. FreedomPlus does have an origination fee, by the way, but you don’t have to pay it separately because it’s already built into the APR range.

Quick Review: Avant loans are best for people with low credit scores. Avant only requires a minimum credit score of 580 to qualify for a loan. Avant loans are costly, though, so people with high credit scores may have better options. The minimum Avant loan interest rate is high, at 9.95%, and the maximum interest rate is 35.99%, one of the highest rates on the market. To put that in context, the average new credit card offer has an interest rate of 19.02%. Avant also charges an administration fee that can be as much as 4.75% of the loan amount. This fee will depend on such factors as the loan amount, loan period and your credit.

Best Egg Review Summary: Best Egg personal loans could be a good choice for people with fair-to-excellent credit. Their minimum credit score requirement is just 640, and people who earn more than $100,000 per year and have a credit score over 700 also have a shot at qualifying for Best Egg’s lowest rate: 5.99%.