Bad Credit Personal Loans
Get approved even with poor credit. We work with lenders who specialize in bad credit loans with flexible terms.
Having bad credit doesn't mean you're out of options. Our network includes lenders who specialize in helping Americans with poor or fair credit access the funding they need. Whether your score is 550 or 650, we can help you find a personal loan with transparent terms and no hidden surprises.
Key Features
- Loan amounts from $500 to $35,000
- Credit scores as low as 550 accepted
- Soft credit check — no score impact
- Same-day approval available
- Flexible repayment terms 12–60 months
- No collateral required for unsecured loans
- Transparent APRs with no hidden fees
- Direct deposit to your bank account
Requirements
- US citizen or permanent resident
- At least 18 years old
- Valid SSN
- Active checking account
- Verifiable income (employment, benefits, etc.)
- Credit score 550 or above preferred (some accept lower)
- Monthly income of at least $800
Top Offers
ClearPath Lending
No impact to your credit score
SwiftLoans USA
No impact to your credit score
InstantFund Pro
No impact to your credit score
Frequently Asked Questions
What is considered bad credit for a personal loan?
Generally, a FICO score below 580 is considered bad credit, while 580–669 is fair credit. Our lenders work with borrowers across all credit ranges, though those with lower scores may see higher APRs.
Can I get a bad credit loan without a cosigner?
Yes! Most lenders on our platform offer unsecured loans that don't require a cosigner or collateral. However, having a cosigner with good credit can help you qualify for better rates.
How can I improve my chances of getting approved?
Demonstrate stable income, minimize existing debt, provide accurate application information, and consider a smaller loan amount. Even with bad credit, a strong income-to-debt ratio can improve approval odds.
Will applying affect my credit score?
Checking your rate through Credjyo triggers a soft inquiry only, which doesn't affect your credit score. A hard inquiry only occurs when you formally apply with a specific lender.