3.5 out of 5 Overall

  • Funding within one day
  • Fixed interest rate
  • Rate discounts for debt pay off

3.5 out of 5 Overall

3.5 out of 5 Overall

3.5 out of 5 Overall

3.5 out of 5 Overall

3.5 out of 5 Overall

3.5 out of 5 Overall

3.5 out of 5 Overall

3.5 out of 5 Overall

Loan amounts
3.5 out of 5 Overall

Types of Loans for Bad Credit

Is There a Real Way to Get a Loan with Bad Credit?
3 out of 5 Overall

Loan Risks to Consider

640
600

Upstart is a platform that supports partner lenders in making loans to borrowers using proprietary AI to assess creditworthiness. The platform looks at factors beyond your traditional credit score (though it also does a credit check), including education and income, so you could have a higher chance of approval if you have a low or no credit score but other positive factors.

Who Can Take out a Loan With Bad Credit?

APR range

How to Get a Loan If You Have Bad Credit

Best for Fair Credit Loans

Where to Get a Bad Credit Loan

19.9% – 155% (range varies by state)

Frequently Asked Questions (FAQs) About Getting a Bad Credit Loan

Best for Borrowers Without Traditional Credit History
Follow these steps to get a personal loan with a low credit score:
4.5 out of 5 Overall
OneMain financial makes secured or unsecured personal loans to borrowers with no minimum credit score. You can borrow up to ,000 with a term of two, three, four or five years. The trade off for the flexibility in borrowing is relatively high interest rates: APRs range from 18% to 35.99%.
Key Features
580
What is the Easiest Type of Loan to Get with Bad Credit?
Key Features
580
Where Can I Borrow Money Immediately?
Avant is a personal loan lender that’s friendly to fair-credit borrowers: Most Avant borrowers have credit scores between 600 and 700, but you may be eligible for a loan with a credit score as low as 580. Get a loan for up to ,000 with funding as soon as the next day after you’re approved.
Yes, secured loans are a traditional option for borrowers with low credit scores. And lots of companies have cropped up in recent years to offer innovative ways to assess a borrower’s creditworthiness without relying solely on a credit score. You’ll likely have to show stable income, education in a lucrative field and/or a history of on-time bill or rent payments. Check out Stilt, OneMain Financial and NetCredit above for loans with no minimum credit score

2 out of 5 Overall
ARP range