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Bad Credit Personal Loans

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BEST OVERALL PERSONAL LOAN
SoFi
Est. APR
8.99 – 25.81%
Loan Amount
$5k- $100k
Min Credit Score
680
★★★★★ 4.6/5
4.6
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BEST FOR FAST FUNDING
Upgrade
Est. APR
8.49- 35.99%
Loan Amount
$1k- $50k
Min Credit Score
600
★★★★★ 4.5/5
4.5
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BEST FOR PEOPLE WITH BAD CREDIT
Avant
Est. APR
9.95- 35.99%
Loan Amount
$2k- $35k
Min Credit Score
550
★★★★★ 4.6/5
4.6
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BEST FOR LITTLE CREDIT HISTORY
Upstart
Est. APR
4.60- 35.99%
Loan Amount
$1k- $50k
Min Credit Score
Not disclosed
★★★★★ 4.9/5
4.9
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BEST FOR SMALL LOAN
Lendingpoint
Est. APR
7.99- 35.99%
Loan Amount
$2k- $36k
Min Credit Score
600
★★★★★ 4.9/5
4.8
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BEST FOR SECURED LOANS
One Main Financial
Est. APR
18.00- 35.99%
Loan Amount
$1.5k- $20k
Min Credit Score
300
★★★★★ 4.8/5
4.8
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BEST FOR USING A CO-BORROWER
Lending Club
Est. APR
9.57- 35.99%
Loan Amount
$1k- $40k
Min Credit Score
660
★★★★★ 4.7/5
4.7
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BEST FOR PAYING CREDIT CARD DEBT
Happy Money
Est. APR
11.52- 24.81%
Loan Amount
$5k- $40k
Min Credit Score
585
★★★★★ 4.2/5
4.2
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BEST FOR LOW APRS
Best Egg
Est. APR
8.99- 35.99%
Loan Amount
$2k- $50k
Min Credit Score
600
★★★★★ 4.6/5
4.6
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BEST FOR JOINT APPLICATIONS
Prosper
Est. APR
6.99- 35.99%
Loan Amount
$2k- $50k
Min Credit Score
640
★★★★★ 4.7/5
4.7
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Important Information. Please Read Carefully.

Annual Percentage Rate ( APR ) Disclosure & Range ( Qualified Customers* )

Money4Loans offers a range of loan products with competitive interest rates that cater to your budget and financial needs. As we are not a lender, we do not guarantee specific annual percentage rates (APR), which represents the yearly interest charged to borrowers and represents the actual yearly cost of funds over the term of a loan. However, our network of reputable lenders can offer rates ranging from 5.99% up to 35.99%. It is important to note that the APR and repayment terms may differ from what is listed on our site and will be provided by the lenders or lending partners. Before accepting any loan, it is recommended that you read and understand all the terms of the agreement.

Financial Implications (Interest & Finance Charges)

Money4Loans offers its loan matching service at no charge to the borrower. However, it is crucial to fully comprehend the fees and interest rates that will be applied to the loan before accepting any offer. We remind you that we are not a lender and cannot predict or control the specific terms and conditions of any loan you may be offered.

Potential Impact on Credit Score

Our network of lenders may perform credit checks to determine your creditworthiness and information verification. Please note that missed or late payments can negatively impact your credit score. By submitting your request, you consent to our lenders verifying your credit standing and/or credit capacity.

Legal Disclaimer

Legal Notice: Money4Loans is a platform that connects borrowers with lenders or lending partners. The specific terms and conditions of your loan will be determined by the individual lender or lending partner. We receive compensation from these lenders or lending partners for connecting you with them, which may affect the offers presented to you. Any display of APR, loan amounts, interest, or other loan details are only estimates, and actual amounts can vary by lender or lending partner and by borrower. Some lenders or lending partners may perform credit checks as part of their approval process. The lender or lending partner you connect with may not offer the most favorable terms, so we encourage borrowers to compare all options before making decisions. THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, DO NOT BROKER LOANS, AND DO NOT MAKE CREDIT DECISIONS. Nothing on this website constitutes an offer or solicitation to lend. Any information you submit will be provided to a lender or lending partner. The operator of this website does not endorse or charge you for any service or product.

Availability

Each state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR, and repayment term will depend on your creditworthiness, state of residence, and lender or lending partner.

Material Disclosure

Money4Loans is an advertising referral service for lenders that may offer loans in amounts between $100 and $5000. We are not a lender, loan broker, or agent for any lender or loan broker. Any compensation we receive is from lenders and other advertising partners for advertising services provided. Short-term, small-dollar loans should not be used as a long-term solution to financial hardship.

Footnotes

(*) Rates from 4.95% up to 35.99% APR are available only to certain qualified customers for close-end loan products and may not be reflective of all loan products offered in our network.

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