{"id":24517,"date":"2026-01-08T09:55:56","date_gmt":"2026-01-08T09:55:56","guid":{"rendered":"https:\/\/finderica.com\/?p=24517"},"modified":"2026-01-08T09:55:56","modified_gmt":"2026-01-08T09:55:56","slug":"bank-of-america-personal-loan-alternatives","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=24517","title":{"rendered":"Bank of America personal loan alternatives"},"content":{"rendered":"\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-container\">\n<div class=\"ProductCard-headerContent\">\n                            <img decoding=\"async\" class=\"ProductCard-image\" src=\"https:\/\/www.bankrate.com\/brp\/2024\/08\/19190645\/sofi-personal-loan.webp?auto=webp&amp;width=200\" alt=\"SoFi logo\"><\/p>\n<div class=\"ProductCard-infoContainer\">\n<div class=\"ProductCard-headerContainer\">\n                                            <span class=\"ProductCard-superlative\">Better for joint loans<\/span><br \/>\n                                        <!-- htmlmin:ignore --><\/p>\n<h2 class=\"ProductCard-header\" data-position=\"3\" data-beam-element-viewed data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"SoFi\" data-outcome>\n    SoFi<br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore -->\n                <\/div>\n<div class=\"ProductCard-rating\">\n<div class=\"star-rating   star-rating--number-size-sm\" style=\"font-size: 16px\">\n    <span class=\"sr-only\">Rating: 4.7 stars out of 5<\/span><\/p>\n<div class=\"star-rating__main-content\">\n<div class=\"star-rating__items-container\">\n<div class=\"star-rating__item\">\n                    <svg class=\"star-rating__icon\" width=\"16\" height=\"15\" viewbox=\"0 0 16 15\">\n                        <path d=\"M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z\">\n                        <\/path>\n                    <\/svg><\/p>\n<div class=\"star-rating__fill\" style=\"width: 100%\">\n                        <svg class=\"star-rating__icon\" width=\"16\" height=\"15\" viewbox=\"0 0 16 15\">\n                            <path d=\"M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z\">\n                            <\/path>\n                        <\/svg>\n                    <\/div>\n<\/p><\/div>\n<div class=\"star-rating__item\">\n                    <svg class=\"star-rating__icon\" width=\"16\" height=\"15\" viewbox=\"0 0 16 15\">\n                        <path d=\"M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z\">\n                        <\/path>\n                    <\/svg><\/p>\n<div class=\"star-rating__fill\" style=\"width: 100%\">\n                        <svg class=\"star-rating__icon\" width=\"16\" height=\"15\" viewbox=\"0 0 16 15\">\n                            <path d=\"M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z\">\n                            <\/path>\n                        <\/svg>\n                    <\/div>\n<\/p><\/div>\n<div class=\"star-rating__item\">\n                    <svg class=\"star-rating__icon\" width=\"16\" height=\"15\" viewbox=\"0 0 16 15\">\n                        <path d=\"M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z\">\n                        <\/path>\n                    <\/svg><\/p>\n<div class=\"star-rating__fill\" style=\"width: 100%\">\n                        <svg class=\"star-rating__icon\" width=\"16\" height=\"15\" viewbox=\"0 0 16 15\">\n                            <path d=\"M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z\">\n                            <\/path>\n                        <\/svg>\n                    <\/div>\n<\/p><\/div>\n<div class=\"star-rating__item\">\n                    <svg class=\"star-rating__icon\" width=\"16\" height=\"15\" viewbox=\"0 0 16 15\">\n                        <path d=\"M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z\">\n                        <\/path>\n                    <\/svg><\/p>\n<div class=\"star-rating__fill\" style=\"width: 100%\">\n                        <svg class=\"star-rating__icon\" width=\"16\" height=\"15\" viewbox=\"0 0 16 15\">\n                            <path d=\"M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z\">\n                            <\/path>\n                        <\/svg>\n                    <\/div>\n<\/p><\/div>\n<div class=\"star-rating__item\">\n                    <svg class=\"star-rating__icon\" width=\"16\" height=\"15\" viewbox=\"0 0 16 15\">\n                        <path d=\"M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z\">\n                        <\/path>\n                    <\/svg><\/p>\n<div class=\"star-rating__fill\" style=\"width: 64%\">\n                        <svg class=\"star-rating__icon\" width=\"16\" height=\"15\" viewbox=\"0 0 16 15\">\n                            <path d=\"M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z\">\n                            <\/path>\n                        <\/svg>\n                    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>                    <span class=\"leading-tight rating-number\">4.7<\/span><\/p><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"ProductCard-ctaContainer\">\n<p>        <span class=\"flex items-center justify-center gap-x-2\"><br \/>\n                            Learn more<br \/>\n                        <\/span><\/p>\n<p>                                    <span class=\"ProductCard-ctaSubcopy\">in our Bankrate review<\/span>\n                            <\/div>\n<\/p><\/div>\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <svg class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"><\/path><\/svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p dir=\"ltr\">Online lender SoFi\u2019s personal loans are highly rated. This online lender offers joint applications, optional fees and a wide range of loan amounts \u2014 up to $100,000 with a starting APR of\u00a08.74\u00a0percent. Unlike LightStream, SoFi offers prequalification, so you can check your rate without\u00a0harming your credit score before you submit a full application.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<li x-id=\"['panel-pro-and-cons', 'heading-pro-and-cons']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-pro-and-cons')\" :aria-controls=\"$id('panel-pro-and-cons')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Pro and cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <svg class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"><\/path><\/svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-pro-and-cons')\" :aria-labelledby=\"$id('heading-pro-and-cons')\" x-show=\"expanded\" x-collapse role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/live-bankrate-press.pantheonsite.io\/app\/themes\/bankrate-article-2023\/public\/site\/images\/svg\/circle-check.svg\" alt=\"Green circle with a checkmark inside\">\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>High loan maximum.<\/li>\n<li>Option to add co-borrowers.\u00a0\u00a0<\/li>\n<li>Optional fees.\u00a0<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/live-bankrate-press.pantheonsite.io\/app\/themes\/bankrate-article-2023\/public\/site\/images\/svg\/remove-circle.svg\" alt=\"Red circle with an X inside\">\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Unspecific credit requirements.<\/li>\n<li>Steep minimum loan amount.<\/li>\n<li>Opting out of origination fee may mean a higher APR.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/bank-of-america-alternatives\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Better for joint loans SoFi Rating: 4.7 stars out of 5 4.7 Learn more in our Bankrate review Bankrate\u2019s view Caret Down Icon Online lender SoFi\u2019s personal loans are highly rated. This online lender offers joint applications, optional fees and a wide range of loan amounts \u2014 up to $100,000 with a starting APR of\u00a08.74\u00a0percent.<\/p>\n","protected":false},"author":1,"featured_media":24518,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[194],"tags":[1656,2143,136,240,239],"class_list":{"0":"post-24517","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-loans","8":"tag-alternatives","9":"tag-america","10":"tag-bank","11":"tag-loan","12":"tag-personal"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/24517","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=24517"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/24517\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/24518"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=24517"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=24517"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=24517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}