Best Personal Loan for Bad Credit in 2024

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Best Personal Loan for Bad Credit in 2024","alternativeHeadline":"Loans for Bad Credit in 2024: Finding the Best Personal Loan for Bad Credit","image":{"@type":"ImageObject","url":"https://i.insider.com/60a53ddcf27b4c00194455dd?width=1200&format=jpeg","width":1200,"height":900},"name":"Loans for Bad Credit in 2024: Finding the Best Personal Loan for Bad Credit","datePublished":"2024-10-01T17:19:50Z","dateModified":"2024-10-01T17:19:50Z","description":"Struggling with bad credit? Explore the best personal loans for bad credit in 2024. Learn about your options, how to apply, and ways to improve your credit score.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate personal loans to write unbiased product reviews.Your credit score is a key factor in getting a personal loan. If it's too low, some lenders may decide you pose too great a risk and decline to lend you money.However, it may still be possible to qualify for a personal loan even if your credit isn't in the best shape. The best personal loans for bad credit can can provide financial flexibility, allowing you to address needs like debt consolidation, unexpected expenses, or home repairs. Responsible repayment of these loans can also contribute to rebuilding your credit over time.Remember that even the best personal loans for bad credit scores will come with higher interest rates compared with loans for borrowers with good credit. But they can be much safer than other alternatives often resorted to by those with bad credit, such as payday loans, which have exorbitantly high interest rates and can trap you in a cycle of debt.Compare Personal Loan RatesIf you're looking for a personal loan and have bad credit, you'll want to stick to lenders that allow you to prequalify. This allows you to compare interest rates and terms available without affecting your credit score. This is usually a fast process, so you should do so with several lenders.After you've gotten prequalified, compare the offers and choose the one that best suits your needs. To complete the full loan application process you'll need documentation, including paperwork like: If you're approved for the loan, the lender will send you final loan documents to sign off on. Make sure to read everything carefully to understand how exactly how much you'll be paying in total for the loan and be absolutely certain you can afford the monthly payments.Whether you're looking for a $5,000 loan or a $10,000 loan, finding a trustworthy lender can help improve your loan experience. To help you make a decision, we've compared each institution's Better Business Bureau score. The BBB measures businesses based on factors like their responsiveness to consumer complaints, truthfulness in advertising, and clarity about business practices. Here is each company's score:All of our top picks are rated A- or higher by the BBB. Keep in mind that a high BBB score does not guarantee a positive relationship with a lender, and that you should continue to do research and talk to others who have used the company to get the most comprehensive information possible.While some personal loan lenders such as Best Egg and Upgrade may accept collateral for a secured loan, which may get you a lower interest rate, most focus on unsecured loans, which are based entirely on your creditworthiness. Secured loans may get you a lower interest rate, but it's important to remember that you risk losing your collateral if you end up in a position where you can't afford the monthly payments. This can be financially devastating if you were to put up your car as collateral.It's also important to predatory lenders that target borrowers with bad credit with loans at exorbitant interest rates that can trap you in a cycle of debt. Payday loans are among the most common examples. They're advertised as fast and helpful ways to get money to cover an unexpected expense but often end up saddling borrowers with loan terms and interest rates that severely damage their long-term financial health. Car title loans, which allow the lender to take ownership of your car if you can't pay, are also frequently associated with predatory lending.Getting a personal loan with bad credit can itself help you to improve your credit score. While it may sound counterintuitive, there are several ways this can happen based on how credit scores are calculated.For example, when you make payments on a loan, they're reported to the major credit bureaus, and your payment history accounts for more than a third of your overall credit score. Making your payments on time will have a positive impact.If you use a personal loan for debt consolidation, it can also help improve your score. With a debt consolidation loan for poor credit, you roll multiple debt into a single loan with one monthly payment. This can reduce your credit utilization ratio, which determines about 30% of your credit score.Each personal loan we review has a numerical rating on a 1-5 scale. This rating is a weighted average taking into account seeral important criteria for choosing the best loan for you: interest rates, fees, term lengths, funding speed, and more.Each category's weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. See our personal loan rating methodology page to learn more.The best loans for bad credit offer prequalification, so you can see what your terms and interest rates would be before moving forward. Lenders that accept lower credit scores may require a co-borrower to secure the loan, or you might need to opt for a secured loan, which requires collateral.Upgrade offers a low minimum APR. But you'll likely pay a higher rate if your credit isn't in good shape. With a poor credit history, you may end up paying an APR closer to 35.99%. Upgrade's smallest loan amount of $1,000 is lower than many other comparable lenders. You'll pay an origination fee with Upgrade, which will be taken from your loan proceeds. Upstart may also charge you a late fee of up to $10. However, you won't pay any prepayment penalties with this lender. Once you accept your loan offer, you should get your funds as soon as the next day.Upgrade Personal Loans ReviewAvant is one of the easier lenders to qualify for on our list. Its stated minimum credit score is just a guideline, not a requirement, but most Avant borrowers have a credit score between 600 and 700. Avant funds loans quickly — if the company approves your loan by 4:30 p.m. CT Monday through Friday, funds are often put into your account by the next business day.Avant has excellent customer service hours, with its phone line open at least 13 hours every day of the week. The lender also has a strong mobile app. Avant Personal Loans ReviewLendingPoint has the lowest minimum credit score requirement of any of our top picks, making it a good option if you can't qualify for other lenders with your credit score. LendingPoint has a quick application process. and you may be approved the same day you apply. You can often get your funds the next business day after approval. Unfortunately, you're not able to take out a loan if you live in Nevada or West Virginia. You also might pay an origination fee, depending on the state you live in. LendingPoint Personal Loans ReviewUpstart's minimum credit requirement is 300, but if your credit score is low, you might end up paying a high APR. However, Upstart also considers employment history and education history, such as where you went to school and your area of study, when making its lending decisions, which could help borrowers who may not qualify for a loan solely based on their credit score.Upstart's loan repayment term options are fairly limited — you can choose between a three-year or five-year term. On the bright side, the company usually funds loans within one business day, which is useful if you need your money fast. There are no prepayment penalties with this lender. Upstart Personal Loans ReviewLendingClub allows you to add a co-borrower to your loan application. So if you're worried about not qualifying for a loan or paying a higher interest rate than you can afford, you may consider this option. However, it will take you two to four business days to get your money, which is longer than most of the other lenders on our list. You'll also pay an late fee of 5% of the minimum payment amount or $15 (whichever is greater) of your total loan amount. LendingClub Personal Loans ReviewOneMain Financial's minimum APR is higher than every other lender on our top picks, but there is no minimum credit score required to apply. That said, if your credit is in particularly rough shape, it may be easier to qualify for a loan with this lender. You may also be able to get your money the same day you apply.OneMain's standout feature is that it offers secured personal loans (loans backed by collateral such as a house or a car) as well as unsecured personal loans. This is uncommon among personal loan lenders.OneMain Financial Personal Loans Review9.99% to 35.99%$1,000 to $50,000580Upgrade is a solid lender if you can qualify for its lowest interest rate. But if your credit isn't in great shape, you may be able to find a better deal elsewhere.Offers emergency, home improvement, and debt consolidation loans9.95% to 35.99%$2,000 to $35,000600Avant Personal Loan is a good personal loan provider, especially if you have a lower credit score and need to receive your loan money quickly. Just be prepared to pay a high APR if you do have a low score.Offers debt consolidation loans. Low minimum credit score requirement.7.99% - 35.99%$2,000 to $36,500620LendingPoint is a solid option if you need to get a loan with bad credit or you don't qualify for a loan with another lender. However, the range of loan amounts is more limited than what other lenders offer, and if you have good credit, you can likely get a better rate elsewhere.You can prepay your loan at any time with no fee or penalty7.80% - 35.99% fixed$1,000 to $50,000 (borrowers in four states are subject to higher minimum loan amounts: Massachusetts: $7,000, Ohio: $6,000, New Mexico: $5,100, Georgia: $3,100)300Upstart could be the right lender if you have a strong work and education history, but you have a low credit score or limited credit history. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate.Offers home improvement, debt consolidation, credit card consolidation, and balance transfer loans. No minimum credit requirement.9.57% to 36.00%$1,000 to $40,000600LendingClub is a solid personal loan provider, especially if you have a lower credit score and want to add a co-borrower to boost your chances of a better rate. However, you could be charged high rates and fees compared to competitors.Offers debt consolidation, emergency, and home improvement loans and more for other life events and recreation18.00% to 35.99%$1,500 to $20,000NoneOneMain Financial's personal loans are a solid option for borrowers who have low credit scores . You may want to consider another company if you have a good credit score, because you can get lower rates elsewhere.To get the best personal loan for bad credit scores, consider what is most important to you. Many borrowers prioritize the lowest personal loan interest rate, but also consider any fees, the minimum credit score needed, and the accessibility of the lender's customer service. You'll also want to make sure you're able to select a term length that works for you and that your loan's purpose is allowed by the lender you choose. Depending on your situation, you might also look for loans for bad credit with instant approval so you can get the funds as soon as possible.See the latest personal loan interest rates »For bad credit loans specifically, you'll want to understand if you qualify for a loan or if you may need to add a cosigner to boost your chances of being eligible. Bad credit loans are aimed at borrowers with low credit scores or limited credit histories (making some of them more attainable loan options for immigrants still establishing credit). Each lender has its own standards to determine whether to offer a loan to those with bad credit, so you should shop around before deciding which one to use. You can get a loan online even if you have bad credit. Lenders including Avant, LendingPoint, and Upgrade, are among those that offer bad credit loans online. While a bad credit loan can be a solid option to get money fast, there might be cheaper avenues available to you, including: borrowing from friends or family; getting a paycheck advance; seeking aid from a local nonprofit or charity. There is no such thing as a personal loan with guaranteed approval, and it's important to be cautious of such claims. No legitimate lender can guarantee you'll be approved for a personal loan, especially if you have bad credit.","articleSection":"Personal Finance, Loans, Personal Loans","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What are bad credit loans?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Bad credit loans are aimed at borrowers with low credit scores or limited credit histories (making some of them more attainable loan options for immigrants still establishing credit). 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No legitimate lender can guarantee you'll be approved for a personal loan, especially if you have bad credit.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/loans","name":"Loans"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/personal-loans","name":"Personal Loans"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans-bad-credit","name":"Loans for Bad Credit in 2024: Finding the Best Personal Loan for Bad Credit"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-we-rate-personal-loans" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate personal loans</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>Your <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-a-credit-score" data-analytics-product-module="body_link" rel="">credit score</a> is a key factor in getting a personal loan. If it's too low, some lenders may decide you pose too great a risk and decline to lend you money.</p><p>However, it may still be possible to qualify for a personal loan even if your credit isn't in the best shape. The <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-analytics-product-module="body_link" rel="">best personal loans</a> for bad credit can can provide financial flexibility, allowing you to address needs like debt consolidation, unexpected expenses, or home repairs. Responsible repayment of these loans can also contribute to rebuilding your credit over time.</p><p>Remember that even the best personal loans for bad credit scores will come with higher interest rates compared with loans for borrowers with good credit. But they can be much safer than other alternatives often resorted to by those with bad credit, such as <a href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-a-payday-loan" data-analytics-product-module="body_link" rel="">payday loans</a>, which have exorbitantly high interest rates and can trap you in a cycle of debt.</p><h2>Loans for Bad Credit in 2024</h2><ul><li>Best for small loan amounts: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi" data-am-orig-url="https://affiliate.insider.com/?h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi">Upgrade Personal Loan</a></li><li>Best for easy qualification: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant">Avant Personal Loan</a></li><li>Best for low credit scores: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="60a511b5f3902d00118a7bda" data-analytics-product-brand="LendingPoint" data-analytics-product-name="LendingPoint Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=e122e986e16c097598899f021cb242093f969321b46b44d4fd1acf033a9d4007&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Da3ac7be1-dc8d-4f73-a417-d381e851a3d3%26tag.pref_partner%3Dlendingpoint" data-am-orig-url="https://affiliate.insider.com/?h=e122e986e16c097598899f021cb242093f969321b46b44d4fd1acf033a9d4007&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Da3ac7be1-dc8d-4f73-a417-d381e851a3d3%26tag.pref_partner%3Dlendingpoint">LendingPoint Personal Loan</a></li><li>Best for limited credit histories: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f1f1e15f34d0534b71c0382" data-analytics-product-brand="Upstart" data-analytics-product-name="Upstart Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D" data-am-orig-url="https://affiliate.insider.com/?h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D">Upstart Personal Loan</a></li><li>Best for applying with a co-borrower: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6079b0941ce5050011778598" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=7aa2fe14efd1ae3b5dea5e2b813edd7bc1a5eef66bd6bf1c08eab0a7c1a466c5&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D46200e2f-ad61-42a5-a8b6-b578bdf453ad%26tag.pref_partner%3Dlendingclub" data-am-orig-url="https://affiliate.insider.com/?h=7aa2fe14efd1ae3b5dea5e2b813edd7bc1a5eef66bd6bf1c08eab0a7c1a466c5&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D46200e2f-ad61-42a5-a8b6-b578bdf453ad%26tag.pref_partner%3Dlendingclub">LendingClub Personal Loan</a></li><li>Best for secured loans: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f1f392d1918244b57180cc3" data-analytics-product-brand="OneMain Financial" data-analytics-product-name="OneMain Financial Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=878473c7c5bf0e82a57b1ac1d1f24ce0c20208700bf7e6ce20eb566c2e25fb43&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Db5fb1488-8617-4344-86a9-02f5c4008c17%26tag.pref_partner%3Donemain" data-am-orig-url="https://affiliate.insider.com/?h=878473c7c5bf0e82a57b1ac1d1f24ce0c20208700bf7e6ce20eb566c2e25fb43&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Db5fb1488-8617-4344-86a9-02f5c4008c17%26tag.pref_partner%3Donemain">OneMain Financial Personal Loan</a></li></ul> <p class="headline-semibold">Compare Personal Loan Rates</p> <div id="evenFinancialPersonalLoans"> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-onload="addEvenFinLoansIframe()" data-src="https://embed.hifiona.com/script/helper/bundle.js" data-async="true" data-defer="true"></div> <script defer=""> function addEvenFinLoansIframe() { document.getElementById('evenFinancialPersonalLoans').innerHTML += '<iframe class="even-iframe" id="iFrameResizer0" scrolling="no" src="https://embed.hifiona.com/ui/multi-product/index.html?partner=business-insider&access_token=67469272-b8b5-4728-8a00-888ada3b8073_e8cd386c-b739-43de-9f23-fcd8537fe029&company_uuid=84ef3821-4efd-4450-bcc7-178bb19ecbb4&productType=loan&pw_fiona=true&available_products=loan" style="width: 100%; border: none;"></iframe>'; } </script> </div><h2>How to Apply for a Personal Loan With Bad Credit</h2><p>If you're looking for a personal loan and have bad credit, you'll want to stick to lenders that allow you to prequalify. This allows you to compare interest rates and terms available without affecting your credit score. This is usually a fast process, so you should do so with several lenders.</p><p>After you've gotten prequalified, compare the offers and choose the one that best suits your needs. To complete the <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-get-a-personal-loan" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/how-to-get-a-personal-loan" rel="">full loan application process</a> you'll need documentation, including paperwork like: </p><ul><li>Pay stubs/proof of income</li><li>W-2 forms or tax returns</li><li>Documentation of 401(k)s and other financial accounts</li><li>Photo ID</li><li>Rent/mortgage payment history</li><li>Proof of collateral, if you're pursuing a secured loan</li></ul><p>If you're approved for the loan, the lender will send you final loan documents to sign off on. Make sure to read everything carefully to understand how exactly how much you'll be paying in total for the loan and be absolutely certain you can afford the monthly payments.</p><h2>Bad Credit Loan Company Trustworthiness</h2><p>Whether you're looking for a <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-get-a-5000-loan" data-analytics-product-module="body_link" rel="">$5,000 loan</a> or a <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-get-a-10000-loan" data-analytics-product-module="body_link" rel="">$10,000 loan</a>, finding a trustworthy lender can help improve your loan experience. To help you make a decision, we've compared each institution's Better Business Bureau score. The BBB measures businesses based on factors like their responsiveness to consumer complaints, truthfulness in advertising, and clarity about business practices. Here is each company's score:</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 97.4523%; height: 263px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 21px;"><td style="width: 20%; height: 21px; text-align: center;" data-sheets-value="{"1":2,"2":"Lender"}" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Lender</strong></td><td style="width: 18.848%; height: 21px; text-align: center;" data-sheets-value="{"1":2,"2":"APR"}" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">BBB Grade</strong></td></tr><tr style="height: 22px;"><td style="width: 20%; height: 22px;" data-sheets-value="{"1":2,"2":"Upgrade"}" class="headline-regular headline-semibold">Upgrade Personal Loan</td><td style="width: 18.848%; height: 22px; text-align: center;" data-sheets-value="{"1":2,"2":"4.49 - 19.99%"}" class="headline-regular">A+</td></tr><tr style="height: 21px;"><td style="width: 20%; height: 21px;" data-sheets-value="{"1":2,"2":"BestEgg"}" class="headline-regular headline-semibold">Avant Personal Loan</td><td style="width: 18.848%; height: 21px; text-align: center;" data-sheets-value="{"1":2,"2":"5.99 - 18.85%"}" class="headline-regular">A+</td></tr><tr style="height: 21px;"><td style="width: 20%; height: 21px;" data-sheets-value="{"1":2,"2":"Upstart"}" class="headline-regular headline-semibold">Upstart Personal Loan</td><td style="width: 18.848%; height: 43px; text-align: center;" data-sheets-value="{"1":2,"2":"9.95 - 35.99%"}" class="headline-regular">A+</td></tr><tr style="height: 21px;"><td style="width: 20%; height: 21px;" data-sheets-value="{"1":2,"2":"First Tech Credit Union"}" class="headline-regular headline-semibold">OneMain Financial Personal Loan</td><td style="width: 18.848%; height: 21px; text-align: center;" data-sheets-value="{"1":2,"2":"5.99 - 24.99%"}" class="headline-regular">A-</td></tr><tr style="height: 70px;"><td style="width: 20%; height: 70px;" data-sheets-value="{"1":2,"2":"Navy Federal Credit Union"}" class="headline-regular headline-semibold">LendingClub Personal Loan</td><td style="width: 18.848%; height: 70px; text-align: center;" data-sheets-value="{"1":2,"2":"6.99 - 19.99%"}" class="headline-regular">A+</td></tr><tr style="height: 21px;"><td style="width: 20%; height: 21px;" data-sheets-value="{"1":2,"2":"Upstart"}" class="headline-regular headline-semibold">LendingPoint Personal Loan</td><td style="width: 18.848%; height: 21px; text-align: center;" data-sheets-value="{"1":2,"2":"7.86 - 35.99%"}" class="headline-regular">A+</td></tr></tbody></table></div><p>All of our top picks are rated A- or higher by the BBB. Keep in mind that a high BBB score does not guarantee a positive relationship with a lender, and that you should continue to do research and talk to others who have used the company to get the most comprehensive information possible.</p><h2>Other Types of Loans for Bad Credit</h2><p>While some personal loan lenders such as Best Egg and Upgrade may accept collateral for a secured loan, which may get you a lower interest rate, most focus on unsecured loans, which are based entirely on your creditworthiness. Secured loans may get you a lower interest rate, but it's important to remember that you risk losing your collateral if you end up in a position where you can't afford the monthly payments. This can be financially devastating if you were to put up your car as collateral.</p><p>It's also important to predatory lenders that target borrowers with bad credit with loans at exorbitant interest rates that can trap you in a cycle of debt. Payday loans are among the most common examples. They're advertised as fast and helpful ways to get money to cover an unexpected expense but often end up saddling borrowers with loan terms and interest rates that severely damage their long-term financial health. Car title loans, which allow the lender to take ownership of your car if you can't pay, are also frequently associated with <a href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-predatory-lending" data-analytics-product-module="body_link" rel="">predatory lending</a>.</p><h2>Improving Your Credit With a Loan</h2><p>Getting a personal loan with bad credit can itself help you to improve your credit score. While it may sound counterintuitive, there are several ways this can happen based on how credit scores are calculated.</p><p>For example, when you make payments on a loan, they're reported to the major <a href="https://www.businessinsider.com/personal-finance/credit-score/credit-bureau-experian-equifax-transunion" data-analytics-product-module="body_link" rel="">credit bureaus</a>, and your payment history accounts for more than a third of your overall credit score. Making your payments on time will have a positive impact.</p><p>If you use a personal loan for debt consolidation, it can also help improve your score. With a debt consolidation loan for poor credit, you roll multiple debt into a single loan with one monthly payment. This can reduce your <a href="https://www.businessinsider.com/personal-finance/credit-score/credit-utilization-ratio" data-analytics-product-module="body_link" rel="">credit utilization ratio</a>, which determines about 30% of your credit score.</p><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: How We Reviewed Loans for Bad Credit</h2><p>Each personal loan we review has a numerical rating on a 1-5 scale. This rating is a weighted average taking into account seeral important criteria for choosing the best loan for you: interest rates, fees, term lengths, funding speed, and more.</p><p>Each category's weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. See our <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-we-rate-personal-loans" data-analytics-product-module="body_link" rel="">personal loan rating methodology</a> page to learn more.</p><h2 data-toc-label="Best Personal Loans for Bad Credit Reviews" id="best-personal-loans-for-bad-credit-reviews" class="toc-anchor">Best Personal Loans for Bad Credit Reviews</h2><p>The best loans for bad credit offer prequalification, so you can see what your terms and interest rates would be before moving forward. Lenders that accept lower credit scores may require a co-borrower to secure the loan, or you might need to opt for a secured loan, which requires collateral.</p><h3><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi" data-am-orig-url="https://affiliate.insider.com/?h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi">Upgrade Personal Loan</a></h3><p>Upgrade offers a low minimum APR. But you'll likely pay a higher rate if your credit isn't in good shape. With a poor credit history, you may end up paying an APR closer to 35.99%. Upgrade's smallest loan amount of $1,000 is lower than many other comparable lenders. </p><p>You'll pay an <a href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-an-origination-fee" data-analytics-product-module="body_link" rel="">origination fee</a> with Upgrade, which will be taken from your loan proceeds. Upstart may also charge you a late fee of up to $10. However, you won't pay any prepayment penalties with this lender. Once you accept your loan offer, you should get your funds as soon as the next day.</p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/upgrade-personal-loans-review" data-analytics-product-module="body_link" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-post-depth="40" data-mrf-link="https://www.businessinsider.com/personal-finance/upgrade-personal-loans-review" data-uri="9efdaef3f0f97eb91a9dd8183e5a2448" rel="">Upgrade Personal Loans Review</a></em></p><h3><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant">Avant Personal Loan</a></h3><p>Avant is one of the easier lenders to qualify for on our list. Its stated minimum credit score is just a guideline, not a requirement, but most Avant borrowers have a credit score between 600 and 700. Avant funds loans quickly — if the company approves your loan by 4:30 p.m. CT Monday through Friday, funds are often put into your account by the next business day.</p><p>Avant has excellent customer service hours, with its phone line open at least 13 hours every day of the week. The lender also has a strong mobile app. </p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/avant-personal-loan-review" data-analytics-product-module="body_link" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-post-depth="40" data-mrf-link="https://www.businessinsider.com/personal-finance/avant-personal-loan-review" data-uri="24fe17b60cc0e1777054a9b15419a3c7" rel="">Avant Personal Loans Review</a></em></p><h3><strong><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="60a511b5f3902d00118a7bda" data-analytics-product-brand="LendingPoint" data-analytics-product-name="LendingPoint Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=e122e986e16c097598899f021cb242093f969321b46b44d4fd1acf033a9d4007&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Da3ac7be1-dc8d-4f73-a417-d381e851a3d3%26tag.pref_partner%3Dlendingpoint" data-am-orig-url="https://affiliate.insider.com/?h=e122e986e16c097598899f021cb242093f969321b46b44d4fd1acf033a9d4007&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Da3ac7be1-dc8d-4f73-a417-d381e851a3d3%26tag.pref_partner%3Dlendingpoint">LendingPoint Personal Loan</a></strong></h3><p>LendingPoint has the lowest minimum credit score requirement of any of our top picks, making it a good option if you can't qualify for other lenders with your credit score. LendingPoint has a quick application process. and you may be approved the same day you apply. You can often get your funds the next business day after approval.  </p><p>Unfortunately, you're not able to take out a loan if you live in Nevada or West Virginia. You also might pay an origination fee, depending on the state you live in. </p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/lendingpoint-personal-loans-review" data-analytics-product-module="body_link" data-analytics-product-id="60a511b5f3902d00118a7bda" data-analytics-product-brand="LendingPoint" data-analytics-product-name="LendingPoint Personal Loan" data-analytics-post-depth="40" data-mrf-link="https://www.businessinsider.com/personal-finance/lendingpoint-personal-loans-review" data-uri="6e925d2c05e694c1594b5b3de420ce69" rel="">LendingPoint Personal Loans Review</a></em></p><h3><strong><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f1f1e15f34d0534b71c0382" data-analytics-product-brand="Upstart" data-analytics-product-name="Upstart Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D" data-am-orig-url="https://affiliate.insider.com/?h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D">Upstart Personal Loan</a></strong></h3><p>Upstart's minimum credit requirement is 300, but if your credit score is low, you might end up paying a high APR. However, Upstart also considers employment history and education history, such as where you went to school and your area of study, when making its lending decisions, which could help borrowers who may not qualify for a loan solely based on their credit score.</p><p>Upstart's loan repayment term options are fairly limited — you can choose between a three-year or five-year term. On the bright side, the company usually funds loans within one business day, which is useful if you need your money fast. There are no prepayment penalties with this lender. </p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/upstart-personal-loan-review" data-analytics-product-module="body_link" data-analytics-product-id="5f1f1e15f34d0534b71c0382" data-analytics-product-brand="Upstart" data-analytics-product-name="Upstart Personal Loan" data-analytics-post-depth="40" data-mrf-link="https://www.businessinsider.com/personal-finance/upstart-personal-loan-review" data-uri="6aca5a31951f462a737748d3020504a4" rel="">Upstart Personal Loans Review</a></em></p><h3><strong><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6079b0941ce5050011778598" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=7aa2fe14efd1ae3b5dea5e2b813edd7bc1a5eef66bd6bf1c08eab0a7c1a466c5&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D46200e2f-ad61-42a5-a8b6-b578bdf453ad%26tag.pref_partner%3Dlendingclub" data-am-orig-url="https://affiliate.insider.com/?h=7aa2fe14efd1ae3b5dea5e2b813edd7bc1a5eef66bd6bf1c08eab0a7c1a466c5&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D46200e2f-ad61-42a5-a8b6-b578bdf453ad%26tag.pref_partner%3Dlendingclub">LendingClub Personal Loan</a></strong></h3><p>LendingClub allows you to add a co-borrower to your loan application. So if you're worried about not qualifying for a loan or paying a higher interest rate than you can afford, you may consider this option. </p><p>However, it will take you two to four business days to get your money, which is longer than most of the other lenders on our list. You'll also pay an late fee of 5% of the minimum payment amount or $15 (whichever is greater) of your total loan amount. </p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/lendingclub-personal-loans-review" data-analytics-product-module="body_link" data-analytics-product-id="6079b0941ce5050011778598" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub Personal Loan" data-analytics-post-depth="40" data-mrf-link="https://www.businessinsider.com/personal-finance/lendingclub-personal-loans-review" data-uri="558cfb6f32e0df1193a87f7a7e746dde" rel="">LendingClub Personal Loans Review</a></em></p><h3><strong><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f1f392d1918244b57180cc3" data-analytics-product-brand="OneMain Financial" data-analytics-product-name="OneMain Financial Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=878473c7c5bf0e82a57b1ac1d1f24ce0c20208700bf7e6ce20eb566c2e25fb43&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Db5fb1488-8617-4344-86a9-02f5c4008c17%26tag.pref_partner%3Donemain" data-am-orig-url="https://affiliate.insider.com/?h=878473c7c5bf0e82a57b1ac1d1f24ce0c20208700bf7e6ce20eb566c2e25fb43&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Db5fb1488-8617-4344-86a9-02f5c4008c17%26tag.pref_partner%3Donemain">OneMain Financial Personal Loan</a></strong></h3><p>OneMain Financial's minimum APR is higher than every other lender on our top picks, but there is no minimum credit score required to apply. That said, if your credit is in particularly rough shape, it may be easier to qualify for a loan with this lender. You may also be able to get your money the same day you apply.</p><p>OneMain's standout feature is that it offers <a href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-a-secured-loan" data-analytics-product-module="body_link" rel="">secured personal loans</a> (loans backed by collateral such as a house or a car) as well as unsecured personal loans. This is uncommon among personal loan lenders.</p><p><em><a href="https://www.businessinsider.com/personal-finance/personal-loans/onemain-financial-personal-loan-review" data-analytics-product-module="body_link" data-analytics-product-id="5f1f392d1918244b57180cc3" data-analytics-product-brand="OneMain Financial" data-analytics-product-name="OneMain Financial Personal Loan" data-analytics-post-depth="40" data-mrf-link="https://www.businessinsider.com/personal-finance/onemain-financial-personal-loan-review" data-uri="e0d6099eb1d626cd0c89ca1c9e636bc6" rel="">OneMain Financial Personal Loans Review</a></em></p><h2 data-toc-label="Compare the Top Personal Loans for Bad Credit" id="compare-the-top-personal-loans-for-bad-credit" class="toc-anchor">Compare the Top Personal Loans for Bad Credit</h2> <div id="upgrade-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for small loan amounts </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Upgrade Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi" rel="nofollow noindex" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Upgrade's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi" rel="nofollow noindex" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=d816f2076b779b74bde3a8e6c8288efadcb7e76798de01182bae8fddf4e703b3&u=https%3A%2F%2Fupgrade.ywhcc7.net%2Fc%2F196318%2F392963%2F5676%3FsubId1%3Dpfi"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/644bfa4e74e9330018ef9239?width=400" alt="Upgrade Upgrade Personal Loan"> <noscript> <img src="https://i.insider.com/644bfa4e74e9330018ef9239?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5f7ba1aff348c368c00d3bd4-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8507139924504206"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8507139924504206)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.35642152317651976"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.35642152317651976)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.0007557285859072227"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.0007557285859072227)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.787856766370405"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.787856766370405)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5184975030085204"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5184975030085204)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 9.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">9.99% to 35.99%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$1,000 to $50,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">580</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Small minimum loan amount</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Quick access to funds</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low minimum credit score</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Origination and late fees</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Upgrade is a solid lender if you can qualify for its lowest interest rate. But if your credit isn't in great shape, you may be able to find a better deal elsewhere.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/upgrade-personal-loans-review" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Upgrade Personal Loan <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $1,000 to $50,000</li> <li class="financial-product-card__product-details__list-item">Loan term lengths range between 2 to 7 years</li> <li class="financial-product-card__product-details__list-item">You can get your money within one business day after your loan is reviewed and approved</li> <li class="financial-product-card__product-details__list-item">Loans made by Upgrade's lending partners</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5f7ba1aff348c368c00d3bd4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="avant-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for easy qualification </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Avant Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" rel="nofollow noindex" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Get matched with personal loan offers</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" rel="nofollow noindex" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/644fcc21da6d7b0019bdc540?width=400" alt="Avant Avant Personal Loan"> <noscript> <img src="https://i.insider.com/644fcc21da6d7b0019bdc540?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5ea8966d6985254f9a06a0aa-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.26307166289955575"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.26307166289955575)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9778734732851937"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9778734732851937)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5256883202211968"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5256883202211968)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.49117338726475346"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.49117338726475346)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3761097916409337"> <stop stop-color="#faa809" offset="-25%"></stop> <stop stop-color="white" offset="-25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3761097916409337)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.75<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers emergency, home improvement, and debt consolidation loans</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">9.95% to 35.99%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$2,000 to $35,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">600</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Funds generally deposited by the next business day</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No prepayment penalty</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Multiple types of fees</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High maximum APR</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Low maximum loan limit</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Avant Personal Loan is a good personal loan provider, especially if you have a lower credit score and need to receive your loan money quickly. Just be prepared to pay a high APR if you do have a low score.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/avant-personal-loan-review" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Avant <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $2,000 to $35,000</li> <li class="financial-product-card__product-details__list-item">Loan term lengths range between 2 to 5 years</li> <li class="financial-product-card__product-details__list-item">Administration fee of up to 4.75%, which will be deducted from your loan proceeds when the loan is funded, and late fee that varies by state</li> <li class="financial-product-card__product-details__list-item">Loans made by WebBank, member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="lendingpoint-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for low credit scores </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">LendingPoint Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=e122e986e16c097598899f021cb242093f969321b46b44d4fd1acf033a9d4007&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Da3ac7be1-dc8d-4f73-a417-d381e851a3d3%26tag.pref_partner%3Dlendingpoint" rel="nofollow noindex" data-analytics-product-id="60a511b5f3902d00118a7bda" data-analytics-product-brand="LendingPoint" data-analytics-product-name="LendingPoint Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" 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href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=e122e986e16c097598899f021cb242093f969321b46b44d4fd1acf033a9d4007&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Da3ac7be1-dc8d-4f73-a417-d381e851a3d3%26tag.pref_partner%3Dlendingpoint" rel="nofollow noindex" data-analytics-product-id="60a511b5f3902d00118a7bda" data-analytics-product-brand="LendingPoint" data-analytics-product-name="LendingPoint Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=e122e986e16c097598899f021cb242093f969321b46b44d4fd1acf033a9d4007&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Da3ac7be1-dc8d-4f73-a417-d381e851a3d3%26tag.pref_partner%3Dlendingpoint"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/60a5108bf27b4c001944545e?width=400" alt="LendingPoint LendingPoint Personal Loan"> <noscript> <img src="https://i.insider.com/60a5108bf27b4c001944545e?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="60a511b5f3902d00118a7bda-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8145227196831704"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8145227196831704)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7140157250793275"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7140157250793275)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.04711442173482028"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.04711442173482028)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.13604981828115492"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.13604981828115492)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6548482819920136"> <stop stop-color="#faa809" offset="-100%"></stop> <stop stop-color="white" offset="-100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6548482819920136)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers debt consolidation loans. Low minimum credit score requirement.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">7.99% - 35.99%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$2,000 to $36,500</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">620</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="60a511b5f3902d00118a7bda" data-analytics-product-brand="LendingPoint" data-analytics-product-name="LendingPoint Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low minimum credit score required</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No prepayment penalties</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Restrictive loan amount range</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Origination fees</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No loans in Nevada or West Virginia</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">LendingPoint is a solid option if you need to get a loan with bad credit or you don't qualify for a loan with another lender. However, the range of loan amounts is more limited than what other lenders offer, and if you have good credit, you can likely get a better rate elsewhere.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/lendingpoint-personal-loans-review" data-analytics-product-id="60a511b5f3902d00118a7bda" data-analytics-product-brand="LendingPoint" data-analytics-product-name="LendingPoint Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> LendingPoint Personal Loans <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amount range $2,000 to $36,500</li> <li class="financial-product-card__product-details__list-item">Loan term lengths range from 24 to 60 months</li> <li class="financial-product-card__product-details__list-item">Loans made by FinWise Bank, member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="60a511b5f3902d00118a7bda" data-analytics-product-brand="LendingPoint" data-analytics-product-name="LendingPoint Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="upstart-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for limited credit histories </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Upstart Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D" rel="nofollow noindex" data-analytics-product-id="5f1f1e15f34d0534b71c0382" data-analytics-product-brand="Upstart" data-analytics-product-name="Upstart Personal Loan" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Get personalized loan offers from participating partners with Fiona.</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D" rel="nofollow noindex" data-analytics-product-id="5f1f1e15f34d0534b71c0382" data-analytics-product-brand="Upstart" data-analytics-product-name="Upstart Personal Loan" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5f1f1b402618b9463072fe96?width=400" alt="Upstart Upstart Personal Loan"> <noscript> <img src="https://i.insider.com/5f1f1b402618b9463072fe96?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5f1f1e15f34d0534b71c0382-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.011191669701003937"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.011191669701003937)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5036784585246814"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5036784585246814)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.47040867537831943"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.47040867537831943)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4172088589183345"> <stop stop-color="#faa809" offset="25%"></stop> <stop stop-color="white" offset="25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4172088589183345)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.19392885408862415"> <stop stop-color="#faa809" offset="-75%"></stop> <stop stop-color="white" offset="-75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.19392885408862415)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.25<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">You can prepay your loan at any time with no fee or penalty</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">7.80% - 35.99% fixed</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$1,000 to $50,000 (borrowers in four states are subject to higher minimum loan amounts: Massachusetts: $7,000, Ohio: $6,000, New Mexico: $5,100, Georgia: $3,100)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">300</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5f1f1e15f34d0534b71c0382" data-analytics-product-brand="Upstart" data-analytics-product-name="Upstart Personal Loan" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Small minimum loan amounts</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No prepayment penalty</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Quick loan fund disbursement</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Only three and five year terms </span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Potential for high origination fees</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Upstart could be the right lender if you have a strong work and education history, but you have a low credit score or limited credit history. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/upstart-personal-loan-review" data-analytics-product-id="5f1f1e15f34d0534b71c0382" data-analytics-product-brand="Upstart" data-analytics-product-name="Upstart Personal Loan" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Upstart <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $1,000 to $50,000. However, borrowers in four states are subject to higher minimum loan amounts: Massachusetts: $7,000, Ohio: $6,000, New Mexico: $5,100, Georgia: $3,100</li> <li class="financial-product-card__product-details__list-item">Loan term lengths are either 3 or 5 years</li> <li class="financial-product-card__product-details__list-item">Can have origination fees up to 8%</li> <li class="financial-product-card__product-details__list-item">Considers employment and education history when making loan approval decisions</li> <li class="financial-product-card__product-details__list-item">Loans are made through one of several Upstart-powered bank partners</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5f1f1e15f34d0534b71c0382" data-analytics-product-brand="Upstart" data-analytics-product-name="Upstart Personal Loan" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="lendingclub-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for applying with a co-borrower </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">LendingClub Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=7aa2fe14efd1ae3b5dea5e2b813edd7bc1a5eef66bd6bf1c08eab0a7c1a466c5&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D46200e2f-ad61-42a5-a8b6-b578bdf453ad%26tag.pref_partner%3Dlendingclub" rel="nofollow noindex" data-analytics-product-id="6079b0941ce5050011778598" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub Personal Loan" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=7aa2fe14efd1ae3b5dea5e2b813edd7bc1a5eef66bd6bf1c08eab0a7c1a466c5&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D46200e2f-ad61-42a5-a8b6-b578bdf453ad%26tag.pref_partner%3Dlendingclub"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Get matched with personal loan offers</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=7aa2fe14efd1ae3b5dea5e2b813edd7bc1a5eef66bd6bf1c08eab0a7c1a466c5&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D46200e2f-ad61-42a5-a8b6-b578bdf453ad%26tag.pref_partner%3Dlendingclub" rel="nofollow noindex" data-analytics-product-id="6079b0941ce5050011778598" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub Personal Loan" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=7aa2fe14efd1ae3b5dea5e2b813edd7bc1a5eef66bd6bf1c08eab0a7c1a466c5&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D46200e2f-ad61-42a5-a8b6-b578bdf453ad%26tag.pref_partner%3Dlendingclub"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6079b07774da0300181e21d2?width=400" alt="LendingClub LendingClub Personal Loan"> <noscript> <img src="https://i.insider.com/6079b07774da0300181e21d2?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="6079b0941ce5050011778598-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9584487295790716"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9584487295790716)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4143780092371685"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4143780092371685)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7026546209402502"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7026546209402502)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3352078851999265"> <stop stop-color="#faa809" offset="25%"></stop> <stop stop-color="white" offset="25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3352078851999265)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.23911379046330672"> <stop stop-color="#faa809" offset="-75%"></stop> <stop stop-color="white" offset="-75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.23911379046330672)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.25<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers home improvement, debt consolidation, credit card consolidation, and balance transfer loans. No minimum credit requirement.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">9.57% to 36.00%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$1,000 to $40,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">600</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="6079b0941ce5050011778598" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub Personal Loan" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low minimum loan amount</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Can add co-borrower to loan application</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No prepayment penalties</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Multiple types of fees</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High maximum APR</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Slower access to funds</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">LendingClub is a solid personal loan provider, especially if you have a lower credit score and want to add a co-borrower to boost your chances of a better rate. However, you could be charged high rates and fees compared to competitors.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/lendingclub-personal-loans-review" data-analytics-product-id="6079b0941ce5050011778598" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub Personal Loan" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> LendingClub <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Origination fee between 3% to 8% </li> <li class="financial-product-card__product-details__list-item">You'll get access to your funds within two to four business days</li> <li class="financial-product-card__product-details__list-item">Loan amount range between $1,000 to $40,000</li> <li class="financial-product-card__product-details__list-item">Loan terms are between 24 months and 60 months</li> <li class="financial-product-card__product-details__list-item">Loans made through either WebBank, Member FDIC or LendingClub Bank, N.A., Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="6079b0941ce5050011778598" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub Personal Loan" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="onemain-financial-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for secured loans </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">OneMain Financial Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=878473c7c5bf0e82a57b1ac1d1f24ce0c20208700bf7e6ce20eb566c2e25fb43&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Db5fb1488-8617-4344-86a9-02f5c4008c17%26tag.pref_partner%3Donemain" rel="nofollow noindex" data-analytics-product-id="5f1f392d1918244b57180cc3" data-analytics-product-brand="OneMain Financial" data-analytics-product-name="OneMain Financial Personal Loan" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=878473c7c5bf0e82a57b1ac1d1f24ce0c20208700bf7e6ce20eb566c2e25fb43&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Db5fb1488-8617-4344-86a9-02f5c4008c17%26tag.pref_partner%3Donemain"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Get matched with personal loan offers</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70883-20&h=878473c7c5bf0e82a57b1ac1d1f24ce0c20208700bf7e6ce20eb566c2e25fb43&platform=browser&postID=669833eac87a0f570988a43f&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans-bad-credit&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Db5fb1488-8617-4344-86a9-02f5c4008c17%26tag.pref_partner%3Donemain" rel="nofollow noindex" data-analytics-product-id="5f1f392d1918244b57180cc3" data-analytics-product-brand="OneMain Financial" data-analytics-product-name="OneMain Financial Personal Loan" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=878473c7c5bf0e82a57b1ac1d1f24ce0c20208700bf7e6ce20eb566c2e25fb43&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Db5fb1488-8617-4344-86a9-02f5c4008c17%26tag.pref_partner%3Donemain"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5f1f39281918244b35326ead?width=400" alt="OneMain Financial OneMain Financial Personal Loan"> <noscript> <img src="https://i.insider.com/5f1f39281918244b35326ead?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5f1f392d1918244b57180cc3-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.16739347681294925"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.16739347681294925)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7270253514627538"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7270253514627538)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5435329805489717"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5435329805489717)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.08427681245960339"> <stop stop-color="#faa809" offset="-25%"></stop> <stop stop-color="white" offset="-25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.08427681245960339)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6956064908970025"> <stop stop-color="#faa809" offset="-125%"></stop> <stop stop-color="white" offset="-125%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6956064908970025)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">2.75<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers debt consolidation, emergency, and home improvement loans and more for other life events and recreation</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">18.00% to 35.99%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$1,500 to $20,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">None</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5f1f392d1918244b57180cc3" data-analytics-product-brand="OneMain Financial" data-analytics-product-name="OneMain Financial Personal Loan" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No minimum credit score</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Small minimum loan amount</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Quick loan funding</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High interest rates</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High origination fees</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Low maximum loan amount</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">OneMain Financial's personal loans are a solid option for borrowers who have low credit scores . You may want to consider another company if you have a good credit score, because you can get lower rates elsewhere.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/onemain-financial-personal-loan-review" data-analytics-product-id="5f1f392d1918244b57180cc3" data-analytics-product-brand="OneMain Financial" data-analytics-product-name="OneMain Financial Personal Loan" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> OneMain Financial personal loan <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">No minimum credit score for approval</li> <li class="financial-product-card__product-details__list-item">You may be able to get your loan on the same day that you apply</li> <li class="financial-product-card__product-details__list-item">Loan amounts range from $1,500 to $20,000</li> <li class="financial-product-card__product-details__list-item">Term lengths of 24, 36, 48, or 60 months</li> <li class="financial-product-card__product-details__list-item">Loans made by OneMain Financial Group, LCL</li> <li class="financial-product-card__product-details__list-item">Terms apply. See rates and fees for details and restrictions at https://www.onemainfinancial.com/legal/loan-fees.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5f1f392d1918244b57180cc3" data-analytics-product-brand="OneMain Financial" data-analytics-product-name="OneMain Financial Personal Loan" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2>How to Choose a Personal Loan When You Have Bad Credit</h2><p>To get the best personal loan for bad credit scores, consider what is most important to you. Many borrowers prioritize the <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-low-interest-personal-loans" data-analytics-product-module="body_link" rel="">lowest personal loan interest rate</a>, but also consider any fees, the minimum credit score needed, and the accessibility of the lender's customer service. You'll also want to make sure you're able to select a term length that works for you and that your loan's purpose is allowed by the lender you choose. Depending on your situation, you might also look for loans for bad credit with instant approval so you can get the funds as soon as possible.</p><p><strong><em>See the latest </em></strong><a href="https://www.businessinsider.com/personal-finance/personal-loans/average-personal-loan-interest-rates" data-analytics-product-module="body_link" rel=""><strong><em>personal loan interest rates </em></strong></a><strong><em>»</em></strong></p><p>For bad credit loans specifically, you'll want to understand if you qualify for a loan or if you may need to add a cosigner to boost your chances of being eligible. </p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Bad Credit Personal Loan FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are bad credit loans? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Bad credit loans are aimed at borrowers with low credit scores or limited credit histories (making some of them more attainable loan options for immigrants still establishing credit). Each lender has its own standards to determine whether to offer a loan to those with bad credit, so you should shop around before deciding which one to use. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I get a bad credit loan online? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can get a loan online even if you have bad credit. Lenders including Avant, LendingPoint, and Upgrade, are among those that offer bad credit loans online. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are alternatives to bad credit loans? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">While a bad credit loan can be a solid option to get money fast, there might be cheaper avenues available to you, including: borrowing from friends or family; getting a paycheck advance; seeking aid from a local nonprofit or charity. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there personal loans for bad credit with guaranteed approval? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">There is no such thing as a personal loan with guaranteed approval, and it's important to be cautious of such claims. No legitimate lender can guarantee you'll be approved for a personal loan, especially if you have bad credit.</p> </div> </div> </div><div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://embed.hifiona.com/script/helper/bundle.js" data-async="true" data-defer="true"></div> <iframe class="even-iframe" id="iFrameResizer0" scrolling="no" data-src="https://embed.hifiona.com/ui/multi-product/index.html?partner=business-insider&access_token=67469272-b8b5-4728-8a00-888ada3b8073_e8cd386c-b739-43de-9f23-fcd8537fe029&company_uuid=84ef3821-4efd-4450-bcc7-178bb19ecbb4&productType=loan&pw_fiona=true&available_products=loan" style="width: 100%; border: none;"></iframe> </div><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/ryan-wangman" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="ryan-wangman"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/612f9f319ef1e50018f929fd?crop=1:1&width=256&format=jpeg&auto=webp" alt="Ryan Wangman, a white man with brown hair, sits in front of a stone wall. He smiles into the distance, wearing blue jeans and a dark blue, long-sleeved sweater."> <noscript> <img src="https://i.insider.com/612f9f319ef1e50018f929fd?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/ryan-wangman" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Ryan Wangman, CEPF</div> </a> <div class="post-author_title headline-regular">Loans Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Ryan Wangman was a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans. He is also a Certified Educator in Personal Finance (CEPF).</span><span>In his past experience writing about personal finance, he has written about credit scores, financial literacy, and homeownership. He graduated from Northwestern University and has previously written for The Boston Globe. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="elias-shaya"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Elias Shaya looks at the camera. He stands outdoors, wearing a black jacket, with a city in the distant background."> <noscript> <img src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Elias Shaya</div> </a> <div class="post-author_title headline-regular">Compliance Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Elias Shaya is a Compliance Associate on the Personal Finance Insider team based in New York City, which ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up-to-date and accurate.</span><span>He joined Insider in February 2022 as a fellow on the compliance team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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