Personal Loans For Bad Credit

Personal Loans for Bad Credit: My Hand-Picked Options

I understand that when your credit score isn’t exactly shining, finding a personal loan can feel like navigating a minefield. That’s why I’ve put together this page: to cut through the noise and get straight to the lenders who are willing to work with you, even if your credit history isn’t perfect.

This isn’t just some random list. I’ve hand-picked and thoroughly selected these lenders to give you the best chance of approval, keeping in mind that you need access to funds, and fast.

Ready to dive in?

Use the table below to filter lenders by annual income and loan amount. Just click the headers to sort! Found a lender that looks promising? Click the red “+” sign on the left to expand the row and see more details about their requirements and terms (Check the excluded States).

Here’s a pro-tip from me to boost your chances of approval:

• 1 - Select your annual income level to find the best lender match for your financial situation.
• 2 - Choose the loan amount that fits your needs using the filter options.
• 3 - Apply to multiple lenders by clicking their logos—this will take you directly to their application pages. Let’s get that loan!

Apply Here	Name	Loan Amount	Maximum Loan Amount	Recommended Income for Highest Approval	APR	Maximum APR	Min Credit Score	Best For:	Income After Taxes (month)	Income - numbers only	DTI (debt to income ratio) needed	Excluded States	Terms	Fees	Qualification Criteria:	Accept Government Assistance	Type
	Green Dollar Loans	$100 to $5000	5000	Loan for income less than 25K a Year, for highest approval.	5.99% to 35.99%	36	0	Individuals seeking quick personal loans with flexible terms	$1000	1000	up to 70%	Arkansas,Connecticut,New Hampshire,New York,Montana,South Dakota,Minnesota,West Virginia,Indiana	61 days minimum, 90 days maximum	8% arrangement fee	Over 18 years old. Regular income. Permanent address. Valid checking or savings account with direct deposit. Legal U.S. citizen	May qualify	Loan matching service
	Big Buck Loans	$100 to $5000	5000	Loan for income less than 25K a Year, for highest approval.	5.99% to 35.99%	36	0	Fast online loans for all budgets and needs	$1000	1000	up to 70%	Arkansas,Connecticut,Indiana,Minnesota,Montana,New York,New Hampshire,South Dakota,West Virginia	3 to 24 months	No fees from platform; lender fees may apply	At least 18 years old. Legal US citizen or resident. Valid US bank account. Minimum $1,000 monthly income. Ability to afford the loan.	Yes	Loan matching service
	Heart PayDays	$100 to $5000	5000	Loan for income less than 25K a Year, for highest approval.	5.99% to 35.99%	36	0	Quick loans for bad credit and special financial situations	$1000	1000	up to 70%	Arkansas, Connecticut, Indiana, Minnesota, Montana, New York, New Hampshire, South Dakota, Vermont, West Virginia	3 to 24 months	No upfront fees; possible prepayment penalties; interest rates apply	Age 18+, valid mobile, email, US bank account; 90-day stable income	May qualify	Loan matching service
	Explore Credit	$250 to $2000	2000	Loan for income less than 25K a Year, for highest approval.	above 36% to likely to 500%+	500	550	Borrowers with fair credit needing short-term funds	$1000	1000	up to 70%	Alabama, Alaska, Arkansas, Connecticut, Georgia, Illinois, Maryland, Massachusetts, Minnesota, Missouri, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Dakota, Vermont, Virginia, West Virginia	Weekly to monthly repayments, term length varies	Late and returned payment fees, no hidden fees claimed	SSN, address, license, employment info, bank account, credit score 550	May qualify	Direct lender
	Viva Pay Day Loans	$100 to $5000	5000	Loan for income less than 25K a Year, for highest approval.	5.99% to 35.99%	36	0	Borrowers with bad credit needing quick access to funds	$1000	1000	up to 70%	Arkansas,Connecticut,New Hampshire,New York,Montana,South Dakota,Minnesota,West Virginia,Indiana	2 to 24 months	No fees from platform; lender fees may apply	Over 18 years old Receive a regular monthly income of more than $1,000 Have a permanent address Valid checking or savings account with direct deposit Must be able to afford the expected repayments	Yes (TANF, SSI, Welfare, etc.)	Loan matching service
	Money Mutual	$200 to $5000	5000	Loan for income less than 25K a Year, for highest approval.	200% - 1,300%+	1300	0	Bad credit, fast cash needs	$800	800	up to 70%	Connecticut, Florida, Illinois, New York	2-4 weeks (payday); 1-12 months (installment/bad credit)	None from MoneyMutual; lender fees vary	Over 18 years old Receive a regular monthly income of more than $1,000 Have a permanent address Valid checking or savings account with direct deposit Must be able to afford the expected repayments	Accepted as income source	Loan matching service
	Max Loan 365	$100 to $15000	15000	Loan for income less than 35K a Year, for highest approval.	varies by lender	1000	0	Emergency cash, all credit types	$1000	1000	up to 70%	District of Columbia, New York, West Virginia	Up to 60 months (installment) or next payday	No hidden fees (service); lender fees vary	18+, income, personal info, all credit	lender-dependent	Loan matching service
	Speedy Net Loan	$100 to $5000	5000	Loan for income less than 35K a Year, for highest approval.	up to 36%	36	0	Quick, emergency cash loans	$1000	1000	up to 70%	New York,West Virginia,Washington DC	Loan terms range from 2 weeks to 72 months covering short-term payday loans to longer-term personal loans	Up to 15%	18 years of age or older. US citizen or permanent resident. $1000 in minimum monthly earnings. Valid checking account and email address. Completed application through the portal.	May qualify	Loan matching service
	Net Loan Express	$100 to $5000	5000	Loan for income less than 35K a Year, for highest approval.	varies by lender	1000	0	Emergency expenses and unexpected bills	$1000	1000	up to 70%	Potentially Georgia, Virginia, West Virginia, Arizona, Oregon (based on similar services)	Installment loans: 12 to 60 months; Cash advances: next payday	Late fees, origination fees, possibly prepayment penalties (varies by lender)	18+, US resident, active bank account, meet lender's requirements	Varies by lender	Loan matching service
	Credit Ninja	Up to $5000	5000	Loan for income less than 35K a Year, for highest approval.	above 36%	36	0	Quick funding for those with less-than-perfect credit	$1000	1000	up to 70%	North Carolina, Arkansas, Vermont, Hawaii, New York, Pennsylvania, North Dakota, Maine, New Jersey, Maryland, Rhode Island, Alaska, Connecticut, Iowa, Montana, New Hampshire, Oregon, South Dakota, Virginia, Wyoming, Massachusetts, District of Columbia, Nebraska, Illinois, New Mexico, Minnesota, West Virginia, Georgia	4 to 24 months	Origination fees apply, amount varies by state	18+, valid ID, active bank account, not in bankruptcy	May qualify	Direct lender, with state-specific variations (e.g., CAB in Texas)
	Credit Lend	Up to $2500	2500	Loan for income less than 35K a Year, for highest approval.	5.99% to 35.99%	36	0	Quick funding for those with challenged credit histories	$1000	1000	up to 70%	Depends on Lender	12–84 months	No fees from platform; lender fees may apply	You must be 18 years or older. Have a valid Social Security number. Be a U.S. citizen or permanent resident. Have full-time employment, be self-employed or receive regular benefits. Have a valid bank account for deposits and repayment. Have a valid telephone number and email address. Meet minimum income requirements	Yes	Loan matching service
	Money Pup Loans	$100 to $50000	50000	Loan for income less than 35K a Year, for highest approval.	200% to 2290%	2290	0	Quick funding for those with challenged credit histories	$800	800	up to 70%	Arkansas, Arizona, Georgia, Connecticut, Virginia, West Virginia, Maryland, New York, North Carolina, New Jersey, Pennsylvania, Massachusetts, Vermont, Ohio, District of Columbia	Varies by lender	No hidden fees (service); lender fees vary	Earn at least $800/month, be 18+, have a checking account, be a U.S. resident; additional criteria may apply	Yes	Loan matching service
	Ace Cash Express	$100 to $5000	5000	Loan for income less than 35K a Year, for highest approval.	396% to 498%	498	0	Quick cash for those with limited banking options	$1000	1000	up to 70%	Alaska, Alabama, Arkansas, Connecticut, Delaware, Georgia, Hawaii, Idaho, Illinois, Iowa, Kentucky, Maine, Massachusetts, Michigan, Mississippi, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Pennsylvania, Rhode Island, South Dakota, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming	Payday: Next payday; Installment: Up to 180 days	No application fees; may have origination and late fees	18+, valid ID, active bank account, not in bankruptcy	Yes, accepts disability, retirement, and similar benefits	Both direct lender and loan matching service
	SuperMoney	$500 to $50000	50000	Loan for income less than 35K a Year, for highest approval.	5.99% to 35.99%	36	0	Quick loans for bad or no credit history	$1000	1000	up to 70%	Depends on Lender	Up to 10 years	No hidden fees, but depends on lender	bank account, 18+, basic info; criteria vary by lender.	May qualify	Loan matching service
	Viva Loan	$100 to $15000	15000	Loan for income less than 45K a Year, for highest approval.	5.99% to 35.99%	36	0	Fast personal loans for various credit profiles	$800	800	up to 70%	New York,West Virginia,Washington DC	5 to 24 months	$25	18 years of age or older US citizen or permanent resident. 800 in minimum monthly earnings. Valid checking account and email address. Completed application through the VivaLoan portal.	allow military personnel and income from benefits	Loan matching service
	Zippy Loans	$100 to $15000	15000	Loan for income less than 45K a Year, for highest approval.	12.00% to 35.99%	36	0	Bad or no credit	$1000	1000	up to 70%	Depends on Lender	Up to 60 months for installment loans; next payday for short-term loans	No fees from platform; lender fees may apply	18+, US resident, regular income, provide name/address/income info.	Yes (Accepts income from benefits)	Loan matching service
	Honest Loans	$100 to $50000	50000	Loan for income less than 45K a Year, for highest approval.	5.99% to 35.99%	36	0	Quick funding for those with challenged credit histories	$800	800	up to 70%	Arkansas, Arizona, Georgia, Oregon, West Virginia	61 days to 72 months	No fees from Honest Loans; individual lenders may charge fees	18+, US citizen/resident, active checking account, valid contact info.	Yes	Loan matching service
	Low Credit Finance	$100 to $50000	50000	Loan for income less than 45K a Year, for highest approval.	5.99% to 35.99%	36	0	Quick personal loans across various credit profiles	$1000	1000	up to 70%	Depends on Lender	Up to 10 years	No fees from platform; lender fees may apply	bank account, 18+, basic info; criteria vary by lender.	May qualify	Loan matching service
	Personal Loans™	$250 to $35000	35000	Loan for income less than 45K a Year, for highest approval.	5.99% to 35.99%	36	580	Quick online loans with flexible terms and amounts	$2000	2000	up to 70%	Depends on Lender	3 – 72 months	No fees from platform; lender fees may apply	18+, U.S. citizen/resident, $2,000+/month income, 580+ credit, valid bank account	Yes, as part of income (e.g., benefits)	Loan matching service
	Badcreditloans	$500 to $10000	10000	Loan for income less than 45K a Year, for highest approval.	up to 36%	36	0	Borrowers with poor credit needing emergency funds.	$1000	1000	up to 70%	Depends on Lender	90 days minimum to 72 months (6 years) maximum	No fees from platform; lender fees may apply	Age 18+, US citizen/resident, regular income, checking account, contact info.	Yes, as part of income verification.	Loan matching service
	CashUSA	$500 to $10000	10000	Loan for income less than 45K a Year, for highest approval.	5.99% to 35.99%	36	0	Fast personal loans for various credit profiles	$1000	1000	up to 70%	Depends on Lender	3 to 72 months	No fees from platform; lender fees may apply	18 years of age or older. US citizen or permanent resident $1000 in minimum monthly earnings. Valid checking account and email address. Completed application through the portal.	Yes (counts as income)	Loan matching service
	Upstart Loans	$1000 to $50000	50000	Loan for income less than 45K a Year, for highest approval.	6.7% to 35.99%	36	300	Low credit scores, high DTI ratios	$1000	1000	50%	Depends on Lender	36 or 60 months	Origination up to 12%, late fee up to $15 or 5%	Considers factors beyond credit score, such as education and employment history. Minimum age of 18 years old (inferred, not explicitly stated). U.S. citizen or permanent resident (inferred, not explicitly stated). Valid email address and bank account. SSN.	Yes (same as "Allow Govt Assistance")	Direct lender
	Upgrade Loans	$1000 to $50000	50000	Loan for income less than 45K a Year, for highest approval.	7.99% to 35.99%	36	580	High DTI ratios	$1000	1000	up to 70%	Washington, D.C, West Virginia	24 to 84 months (2 to 7 years)	Origination fee: 1.85% - 9.99%; Late fee: up to $10	U.S. citizen/resident, 18+ years old, verifiable bank account	May qualify	Direct lender

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