Where to take a Personal Loan: online lenders, brokers, banks, peer-to-peer lenders?

The choice of a lender usually depends on your credit. The higher the FICO score is, the more options you have. The most popular places are:

1. Online lenders:

• apply 100% online,
• free application, 
• quick, the money is deposited into your account within 1 - 2 business days,
• no paperwork,
• no driving or waiting,
• unsecured,
• available for bad credit.

2. Broking or connecting services:

• help you to choose the lender with the most flexible terms and lowest fees,
• let you compare all the offers.

3. Banks or credit unions:

• safe
• legal

• longer than online, 
• strict eligibility criteria,
• you need to have a bank account,
• require good credit history.

4. Peer-to-peer lenders

• you are connected to the investor online

• it's much longer than direct lenders.