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 header 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 - Apply to multiple lenders by clicking their logos—this will take you directly to their application pages. Let’s get that loan!
| Apply Here | Click to Apply | Name | Loan Amount | Recommended Income for Highest Approval | APR | Min Credit Score | Best For: | DTI (debt to income ratio) needed | Excluded States | Terms | Fees | Qualification Criteria: | Accept Government Assistance | Type | ||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 | Apply Here | SuperMoney | $500 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 less-than-perfect credit | $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 |
| Apply Here | Name | Loan Amount | Recommended Income for Highest Approval | APR | Min Credit Score | Best For: | DTI (debt to income ratio) needed | Excluded States | Terms | Fees | Qualification Criteria: | Accept Government Assistance | Type | ||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 | 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 |
 | Money Pup Loans | $100 to $50000 | 50000 | Loan for income less than 45K 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 |
 | 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 |
 | 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% | New york, West virginia, Washignton DC | 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 |
 | Speedy Net Loan | $100 to $5000 | 5000 | Loan for income less than 45K 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 |
 | Credit Ninja | Up to $5000 | 5000 | Loan for income less than 45K a Year, for highest approval. | above 36% | 36 | 0 | Quick funding for those with less-than-perfect credit | $1000 | 1000 | up to 70% | Note **Included States**: AK,AL,AR,AZ,CA,DE,FL,ID,IN,KS,KY,LA,MI,MN,MO,MS,MT,NE,OH,OK,SC,TN,TX,UT,WI,WY | 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) |
 | 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 |
| | SuperMoney | $500 to $50000 | 50000 | Loan for income less than 45K 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 |
 | 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 | $1000 | 5.99% to 35.99% | 36 | 0 | Borrowers with bad credit needing quick access to funds | $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 |
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Frequently Asked Questions
This page features the best public offers for the easiest loans available for bad credit in the United States. Most websites show you loan offers that are most profitable for them, not for you, because they earn commissions when you click through and get approved for a loan — and they will only show you those commission-earning affiliate links, even if a better offer is available.
We earn commissions through affiliate links too — that’s how we keep the lights on. However, when a better public offer exists compared to the affiliate version, we always show you the better offer, even if it means losing out on the commission for that loan.
