Quarterly data points to higher default rates in the online loan money industry, yet revenue from origination fees has offset potential losses. This dynamic is playing into neutral-to-bullish stock ratings. Freezing your own credit is free and pretty straightforward. You just need to create an account at each of the three major credit reporting bureaus — Equifax , Experian and TransUnion . CNBC Select rounded up some personal loan lenders that offer expedient funding so you can cover large expenses in a pinch. When reviewing the top personal loans with fast funding, we looked at key factors like interest rates , fees, loan amounts and term lengths offered, plus other features including how your funds are distributed, autopay discounts, customer service and how fast you can get your funds. (Read more about our methodology below.) Dividend policies are becoming a trend among select profitable online loan money companies, attracting income-oriented investors alongside traditional growth traders.