CINXE.COM

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</script> <title>Best Bad Credit Loans in November 2024 | Bankrate</title><meta name="description" content="While your credit score will keep you from getting a great APR, you can still find interest rates that are much lower than those you’d likely find on payday loans."><meta name="Category" content="personal-loans"><meta name="SubCategories" content="loans"><meta name="pageuuid" content="1cc86f9d-464b-409c-ba9a-10c12f05a4b9"><meta name="ContentSrc" content="sb:75674004"><meta name="PageType" content="rates-results"><link rel="canonical" href="https://www.bankrate.com/loans/personal-loans/bad-credit-loans/"><meta name="robots" content="index, follow"><meta property="og:title" content="Best Bad Credit Loans in November 2024 | Bankrate"><meta property="og:description" content="While your credit score will keep you from getting a great APR, you can still find interest rates that are much lower than those you’d likely find on payday loans."><meta property="og:url" content="https://www.bankrate.com/loans/personal-loans/bad-credit-loans/"><meta property="og:site_name" content="Bankrate"><meta name="twitter:card" content="summary"><meta name="twitter:site" content="@bankrate"><meta name="twitter:title" content="Best Bad Credit Loans in November 2024 | Bankrate"><meta name="twitter:description" content="While your credit score will keep you from getting a great APR, you can still find interest rates that are much lower than those you’d likely find on payday loans."><script type="application/ld+json">{"@context":"https://schema.org","@type":"WebPage"}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"Article","headline":"Best Bad Credit Loans in November 2024 | Bankrate","description":"While your credit score will keep you from getting a great APR, you can still find interest rates that are much lower than those you’d likely find on payday loans.","datePublished":"2024-09-19T16:39:00.000Z","dateModified":"2024-11-22T21:31:58.763Z","url":"https://www.bankrate.com/loans/personal-loans/bad-credit-loans/","mainEntity":{"@type":"WebPage","@id":"https://www.bankrate.com/loans/personal-loans/bad-credit-loans/"},"publisher":{"@type":"Organization","name":"Bankrate.com","logo":{"@type":"ImageObject","url":"https://www.bankrate.com/v5.1514.2/next/img/svg/logos/bankrate-wordmark.svg"}},"author":{"@type":"Person","name":"Denny Ceizyk","sameAs":"https://www.bankrate.com/authors/denny-ceizyk/"},"editor":{"@type":"Person","name":"Rebecca Betterton","sameAs":"https://www.bankrate.com/authors/rebecca-betterton/"}}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How much money can I borrow with bad credit?","acceptedAnswer":{"@type":"Answer","text":" Bad credit personal loan amounts typically range from $1,000 to $50,000. However, how much you can borrow will depend on the lender you choose, what kind of bad credit loan you qualify for and if the lender considers other factors beyond credit. "}},{"@type":"Question","name":"How do I improve my credit to get a better loan?","acceptedAnswer":{"@type":"Answer","text":" The best way to get a more favorable APR or be approved by more lenders is to raise your credit score. You can show you are responsible with credit by making payments on time and keeping your credit card balances low. "}},{"@type":"Question","name":"Can I get a loan with no credit check?","acceptedAnswer":{"@type":"Answer","text":"It is possible to get a no-credit-check loan. However, many are predatory or have incredibly high interest rates and fees. You'll likely find better loan terms and rates if you search for lenders that accept borrowers with bad credit instead."}},{"@type":"Question","name":"Can you get multiple bad credit loans?","acceptedAnswer":{"@type":"Answer","text":"Although you can take out multiple bad credit loans, it’s best to avoid doing so, as it can result in a cycle of debt that's difficult to break out of. 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Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub" > <span class="SiteNavCategory-label"> Banking</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2024/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2024" data-outcome="send to link" > Best banks of 2024</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="2" data-text="Cost of living calculator" data-outcome="send to link" > Cost of living calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/how-much-is-my-house-worth/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="3" data-text="How much is my house worth?" data-outcome="send to link" > How much is my house worth?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="4" data-text="Real estate resources" data-outcome="send to link" > Real estate resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-buy-a-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - 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@keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" 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class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024" > Best cards of 2024</a> 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data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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</div> <div> <div data-cy="" class="Headline w-full"> <h1 class="type-heading-one"> Best personal loans for bad credit in November 2024 </h1> </div> </div> <div class="md:col-span-8 md:display-flex mb-4"> <div data-cy="byline" x-data="{expanded: false}" class="Byline display-flex flex-wrap gap-y-4 mb-0 flex-direction-column sm:flex-direction-row sm:align-items-center"> <div class="Byline-user display-flex align-items-center"> <img srcset="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-slate font-circular-book" data-preamp="mortgage-dark-mode">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('gokf6F')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-gokf6F" aria-controls="tooltip-content-gokf6F" x-bind="trigger"> Denny Ceizyk</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-gokf6F" aria-hidden="true" aria-labelledby="tooltip-trigger-gokf6F" role="dialog" x-bind="content"> <div 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class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/denny-ceizyk/" class="Link Link--standalone text-black"> Denny Ceizyk</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior writer, Loans</span> </div> </div> <div class="AuthorPreview-license my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>CD Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M5.372 20.534c.12.043.244.066.373.066h2.116a.41.41 0 0 1 .01 0h14.683c.795 0 1.446-.87 1.446-1.937V6.237c0-.854-.417-1.582-.991-1.838a1.096 1.096 0 0 0-.455-.099H5.745c-.794 0-1.445.87-1.445 1.937v12.426c0 .894.457 1.65 1.072 1.871Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M4.246 18.261H12a.71.71 0 0 0 .707-.708.71.71 0 0 0-.707-.708H4.246c-.733 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class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> License </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Mortgage Loan Originator (MLO)</li> </ul> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 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2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Debt management</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Denny Ceizyk joined the Bankrate Loans team as a Senior Writer in 2023, providing 30 years of insight from his experience in loan sales and as a personal finance writer to help consumers navigate the lending landscape on their financial journeys.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/denny-ceizyk/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex 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by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('Is7Jg5')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-Is7Jg5" aria-controls="tooltip-content-Is7Jg5" x-bind="trigger"> Rebecca Betterton</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-Is7Jg5" aria-hidden="true" aria-labelledby="tooltip-trigger-Is7Jg5" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/rebecca-betterton/" class="Link Link--standalone text-black"> Rebecca Betterton</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Writer, Auto Loans and Personal Loans</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div 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1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto Loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 3 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Rebecca Betterton, a Certified Financial Education Instructor℠, is a writer for Bankrate who has been reporting on auto loans since 2021.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/rebecca-betterton/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/RebeccaBettert1" target="_blank" rel="nofollow" aria-label="Connect with Rebecca Betterton on Twitter" data-beam-element-clicked id="author_bio_rebecca_betterton_twitter_icon" data-type="icon" data-location="author_bio_rebecca_betterton" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 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font-circular-bold ">Rebecca Betterton</a> </div> </span> </div> <div class="Byline-user md:ml-3"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('ttIk8z')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-ttIk8z" aria-controls="tooltip-content-ttIk8z" x-bind="trigger"> Mark Kantrowitz</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-ttIk8z" aria-hidden="true" aria-labelledby="tooltip-trigger-ttIk8z" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/mark-kantrowitz/" class="Link Link--standalone text-black"> Mark Kantrowitz</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Nationally recognized student financial aid expert</span> </div> </div> <div class="AuthorPreview-expertise my-4"> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Mark Kantrowitz is an expert on student financial aid, the FAFSA, scholarships, 529 plans, education tax benefits and student loans.</div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/mark-kantrowitz/" class="text-link text-black plain font-circular-bold ">Mark Kantrowitz</a> </div> </span> </div> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('wzmkYk')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-wzmkYk" aria-controls="tooltip-content-wzmkYk" x-bind="trigger"> Rebecca Betterton</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-wzmkYk" aria-hidden="true" aria-labelledby="tooltip-trigger-wzmkYk" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/rebecca-betterton/" class="Link Link--standalone text-black"> Rebecca Betterton</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Writer, Auto Loans and Personal Loans</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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.32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto Loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 3 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Rebecca Betterton, a Certified Financial Education Instructor℠, is a writer for Bankrate who has been reporting on auto loans since 2021.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/rebecca-betterton/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/RebeccaBettert1" target="_blank" rel="nofollow" aria-label="Connect with Rebecca Betterton on Twitter" data-beam-element-clicked id="author_bio_rebecca_betterton_twitter_icon" data-type="icon" data-location="author_bio_rebecca_betterton" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 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0-1.28-.213-1.812-.64l-.361-.29L6.69 15.82a.66.66 0 0 1-.927.041.66.66 0 0 1-.041-.926l3.1-3.364L5.797 9.13a.653.653 0 1 1 .82-1.017l3.49 2.815a.64.64 0 0 1 .157.127l.765.617c.582.467 1.41.467 1.992 0l.794-.646a.67.67 0 0 1 .082-.066l3.487-2.839a.655.655 0 0 1 .927.099.655.655 0 0 1-.099.926l-2.986 2.431 3.06 3.359a.655.655 0 1 1-.968.886l-3.11-3.415-.367.298c-.54.427-1.18.64-1.82.64v-.017Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/rebecca-betterton/" class="text-link text-black plain font-circular-bold ">Rebecca Betterton</a> </div> </span> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('6ke9dA')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-6ke9dA" aria-controls="tooltip-content-6ke9dA" x-bind="trigger"> Mark Kantrowitz</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-6ke9dA" aria-hidden="true" aria-labelledby="tooltip-trigger-6ke9dA" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/mark-kantrowitz/" class="Link Link--standalone text-black"> Mark Kantrowitz</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Nationally recognized student financial aid expert</span> </div> </div> <div class="AuthorPreview-expertise my-4"> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Mark Kantrowitz is an expert on student financial aid, the FAFSA, scholarships, 529 plans, education tax benefits and student loans.</div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/mark-kantrowitz/" class="text-link text-black plain font-circular-bold ">Mark Kantrowitz</a> </div> </span> </div> </div> <div class="display-flex sm:flex-wrap sm:flex-direction-row align-items-center mt-2 md:mt-0 leading-6 text-sm text-slate published_at"> <div> <div class="wysiwyg display-block w-full"> <p>Nov 22, 2024</p></div> </div> </div> </div> <div class="form-container md:display-flex align-items-center mt-6 md:mt-0 md:pt-4 md:pb-4 md:px-10"> <div class="white-bg-box-shadow border-b border-light-gray md:border-transparent pt-10 pb-6 md:pt-14 md:rounded-md prequal-form md:mr-16 p-4"> <p class="text-sm text-center uppercase type-heading-five mb-5">SEE IF YOU PREQUALIFY FOR A PERSONAL LOAN</p> <p class="text-base text-slate text-center form-description mb-6">Find out if you prequalify for personalized loan offers in 2 minutes or less—with no impact to your credit</p> <div class="m-auto prequal-form_content FormControl"> <div id="loanAmountFormControl" data-format="$" class="FormControl FormControl--withLeftIcon"> <label class="FormLabel" for="loanAmount">Loan amount</label> <input class="FormInput mb-4 pl-6" inputmode="numeric" id="loanAmount"> </div> <div class="rc-slider mb-7 -mt-2"> <input type="range" id="rangeSlider" aria-label="range-slider"> <div class="display-flex mt-1"> <div class="w-1/2 text-left"> <span class="type-body-two form-min-value"></span> </div> <div class="w-1/2 text-right"> <span class="type-body-two form-max-value"></span> </div> </div> </div> <button class="Button Button--primary w-full" id="loanAmountFormSubmit" type="submit">Find my best rate</button> <button type="button" id="submit-entrypoint-tracking" class="trackLocation" hidden data-beam-element-clicked data-type="Button" data-position="Hero section PQ entry" data-text="Find my best rate" data-outcome="redirect to PL prequal form" > </button> </div> </div> <div class="how-it-works px-4 pt-8 pb-6 md:p-0 display-none md:display-block"> <h2 class="text-sm uppercase type-heading-five"> Find a bad credit loan</h2> <ul class="ml-0 mb-0"> <li class="how-it-works_item mb-10 md:mb-6 display-flex align-items-center"> <i class="Icon mr-6"> <svg class="Icon Icon--nm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Classic Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.409 13.388c-1.863-1.147-3.1-3.156-3.1-5.439 0-3.556 3.003-6.449 6.695-6.449 3.691 0 6.694 2.893 6.694 6.449 0 2.284-1.238 4.294-3.102 5.44 3.048.424 5.396 2.955 5.396 6.007v.56l.002.132c.01.583.02 1.174-.08 1.774-.06.368-.391.633-.773.635a.739.739 0 0 1-.124-.01.759.759 0 0 1-.65-.872c.09-.502.08-1.071.06-1.63v-.589c0-2.513-2.117-4.552-4.726-4.552H9.316c-2.609 0-4.725 2.039-4.725 4.552v.588c-.01.55-.02 1.129.059 1.631a.759.759 0 0 1-.65.873.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.054 2.352-5.588 5.403-6.008Zm11.732 9.11h-.005.01-.005ZM6.884 7.948c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.119 2.21 5.119 4.932 0 2.722-2.294 4.932-5.12 4.932-2.825 0-5.119-2.21-5.119-4.932Z" class="icon-base"/></svg></i> <div> <p class="text-sm mb-2">Answer a few questions</p> <div class="text-sm text-slate mb-0"><p>Take just two minutes to answer questions about the bad credit loan you need. This is free and won't affect your credit score. </p></div> </div> </li> <li class="how-it-works_item mb-10 md:mb-6 display-flex align-items-center"> <i class="Icon mr-6"> <svg class="Icon Icon--nm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Money Bag Icon</title><path d="M13.72 23.993c-4.097-.06-7.047-1.627-8.11-4.291-1.104-2.74.228-5.337 1.552-7.554A98.862 98.862 0 0 1 8.94 9.324l.438-.691L7.347 4.83a.67.67 0 0 1 .152-.826s.177-.152.615-.497c1.493-1.155 3.111-1.408 4.806-.75 1.188.463 2.613.918 4.14.843.345-.026 1.652-.194 2.132-.253a.667.667 0 0 1 .7.935L18.003 8.59l.422.658c.615.961 1.23 1.922 1.812 2.892 1.332 2.217 2.656 4.805 1.552 7.553-1.071 2.664-4.022 4.232-8.094 4.291l.026.009Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M3.434 18.888c1.125 2.82 4.25 4.481 8.588 4.544l-.027-.01c4.311-.062 7.436-1.722 8.57-4.543 1.169-2.91-.233-5.65-1.643-7.998-.616-1.027-1.268-2.044-1.92-3.062l-.446-.696 2-4.561a.71.71 0 0 0-.741-.991l-.414.051c-.627.079-1.555.195-1.845.217-1.615.08-3.124-.402-4.382-.893C9.379.25 7.666.517 6.086 1.74a23.63 23.63 0 0 0-.652.527.709.709 0 0 0-.16.875l2.15 4.026-.464.732c-.642.99-1.276 1.981-1.883 2.99-1.402 2.348-2.812 5.097-1.643 7.998ZM8.74 6.595 6.818 3v-.018l.151-.116c1.17-.91 2.384-1.098 3.696-.589 1.401.553 3.088 1.098 4.99.99.214-.008.66-.062 1.107-.115L15.254 6.6a15.734 15.734 0 0 1-6.514-.005Zm-.15 1.426-.425.664c-.633.982-1.258 1.964-1.856 2.955-1.286 2.142-2.464 4.427-1.545 6.73 1.286 3.214 5.508 3.615 7.267 3.642 1.731-.027 5.954-.437 7.239-3.65.92-2.295-.259-4.58-1.544-6.731-.571-.957-1.182-1.906-1.787-2.848l-.115-.178-.373-.589a17.57 17.57 0 0 1-3.443.346c-1.144 0-2.281-.116-3.418-.34Zm2.709 9.777h-.634a.716.716 0 0 1-.714-.714c0-.393.32-.715.714-.715h1.238a.716.716 0 0 1 .22 0h.488a.33.33 0 1 0 0-.66h-1.197a1.756 1.756 0 0 1-1.758-1.758c0-.934.732-1.695 1.643-1.755v-.191c0-.393.321-.714.714-.714.393 0 .714.321.714.714v.187h.633c.393 0 .715.321.715.714a.716.716 0 0 1-.714.714h-1.947a.33.33 0 1 0 0 .66h1.197c.973 0 1.758.795 1.758 1.76 0 .925-.723 1.694-1.642 1.754v.165a.716.716 0 0 1-.714.714.716.716 0 0 1-.714-.714v-.161Z" class="icon-base"/></svg></i> <div> <p class="text-sm mb-2">Find out if you have available offers</p> <div class="text-sm text-slate mb-0"><p>View and compare your personalized options from a list of loan providers. </p></div> </div> </li> <li class="how-it-works_item mb-10 md:mb-6 display-flex align-items-center"> <i class="Icon mr-6"> <svg class="Icon Icon--nm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Congrats Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M15.239 15.447a11.51 11.51 0 0 0-1.386-1.946c-.879-1.002-1.852-1.787-2.78-2.299-1.439-.964-2.969-1.516-3.82-.72-.062.058-.117.12-.165.185a.562.562 0 0 0-.14.232l-.006.02a1.58 1.58 0 0 0-.106.331L3.592 21.44a1.222 1.222 0 0 0 1.168 1.593l-.007.007c.106 0 .206-.014.312-.043l10.441-2.747a.592.592 0 0 0 .103-.038c.173-.063.332-.158.47-.287.822-.779.525-2.407-.827-4.46a.606.606 0 0 0-.013-.018Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M9.535 2.977c.055.078 1.562 2.255.086 4.984-1.474-.864-2.946-1.258-3.812-.448a1.57 1.57 0 0 0-.191.215.651.651 0 0 0-.162.268l-.007.02a1.83 1.83 0 0 0-.123.389l-2 6.284a.649.649 0 0 0-.127.396l-1.633 5.13a1.417 1.417 0 0 0 1.354 1.846l-.008.009c.123 0 .238-.017.361-.05l12.104-3.183a.682.682 0 0 0 .12-.046 1.6 1.6 0 0 0 .545-.332c.952-.902.607-2.79-.96-5.17a.66.66 0 0 0-.911-.188.66.66 0 0 0-.189.91c1.264 1.93 1.436 3.226 1.157 3.488-.435.41-2.782-.393-5.506-3.315-2.332-2.5-3.137-4.61-3.048-5.423l.08-.252a.276.276 0 0 1 .038-.045c.296-.27 1.765-.008 3.997 1.88.279.238.689.205.927-.074a.653.653 0 0 0-.074-.928 15.972 15.972 0 0 0-.831-.654c1.991-3.514-.028-6.36-.121-6.485a.657.657 0 1 0-1.067.772l.001.002ZM4.093 16.589l-1.28 4.02s0 .074.025.107c.037.037.08.034.095.033h.004l4.044-1.064c-.512-.44-1.03-.937-1.55-1.488-.48-.518-.93-1.06-1.338-1.608Zm4.472 2.68 4.007-1.055c-1.29-.688-2.687-1.83-3.9-3.127-1.188-1.277-2.214-2.718-2.818-4.03l-1.26 3.96a17.97 17.97 0 0 0 1.797 2.285c.716.762 1.467 1.444 2.174 1.966Zm5.294-13.94c0 1.084.886 1.97 1.97 1.97 1.083 0 1.969-.886 1.969-1.97 0-1.083-.886-1.969-1.97-1.969-1.083 0-1.969.886-1.969 1.97Zm1.313 0c0-.369.287-.656.656-.656.37 0 .657.287.657.657 0 .369-.287.656-.656.656a.648.648 0 0 1-.657-.656Zm3.59 13.015a.673.673 0 0 1-.669-.656c0-.361.28-.656.64-.656h.025c.36 0 .656.295.656.656 0 .36-.293.654-.652.656Zm0 0h.004-.008.004Zm3.085-11.357a.673.673 0 0 1-.668-.656c0-.361.279-.657.64-.657h.024c.361 0 .657.296.657.657 0 .36-.293.654-.653.656Zm0 0h.005-.009.004Zm-.152 9.847a.66.66 0 0 1-.525-.262c-1.37-1.797-3.102-1.855-3.118-1.855a.653.653 0 0 1-.64-.673.63.63 0 0 1 .673-.64c.098 0 2.388.074 4.136 2.372a.655.655 0 0 1-.123.919.632.632 0 0 1-.394.131l-.009.008Zm-10.293-3.43h.004-.008.004Zm.463-.197a.652.652 0 0 1-.463.197.659.659 0 0 1-.472-1.116c.156-.164 3.939-3.963 9.749-2.314a.66.66 0 0 1 .451.812.66.66 0 0 1-.812.452c-5.039-1.428-8.313 1.83-8.453 1.97Z" class="icon-base"/></svg></i> <div> <p class="text-sm mb-2">Lock in rate</p> <div class="text-sm text-slate mb-0"><p>Finish up the process with your lender of choice and get the money you need as soon as possible.</p></div> </div> </li> </ul> </div> <div class="how-it-works px-4 pt-6 pb-6 md:p-0 md:display-none"> <button class="text-sm uppercase type-heading-five text-left text-black" type="button" id="how-it-works-trigger" aria-controls="how-it-works-content" aria-expanded="false" data-toggle-visibility="how-it-works-content"> <i class="Icon mr-4 md:display-none"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Book Icon</title><path d="M5.555 21.14c2.989.162 5.628 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4.454 6.844 3.47 4.385 3.314a1.483 1.483 0 0 0-1.098.394 1.543 1.543 0 0 0-.484 1.131v11.943c0 .82.648 1.483 1.476 1.524.032 0 .057 0 .09.008v.009Zm8.565 2.122c-.093.055-.188.1-.286.138V5.614c.327-.067.645-.186.942-.357a16.07 16.07 0 0 1 1-.537V9.11c0 .245.131.467.344.582.099.049.205.073.312.073v-.008a.64.64 0 0 0 .36-.106l.918-.607a.433.433 0 0 1 .484 0l.918.615a.66.66 0 0 0 .672.033.666.666 0 0 0 .344-.582V3.375c.214-.026.43-.047.648-.06a1.5 1.5 0 0 1 1.099.401c.303.287.483.705.483 1.131v11.951c0 .82-.647 1.484-1.475 1.525-2.77.13-5.205 1.23-6.763 2.122Zm4.697-16.833a13.77 13.77 0 0 0-1.73.536v3.74a1.758 1.758 0 0 1 1.73 0V3.611Zm-1.943 11.57a.648.648 0 0 1-.606-.409.66.66 0 0 1 .368-.852l2.386-.943a.66.66 0 0 1 .852.369.66.66 0 0 1-.369.852l-2.385.943a.65.65 0 0 1-.238.049l-.008-.008Zm-7.845-.049c.074.033.156.05.238.05l.008-.009a.656.656 0 0 0 .607-.41.66.66 0 0 0-.369-.852l-2.385-.943a.66.66 0 0 0-.853.37.66.66 0 0 0 .37.852l2.384.942Zm0-4.918c.074.033.156.05.238.05h.008a.66.66 0 0 0 .238-1.27L5.942 8.05a.66.66 0 0 0-.853.37.66.66 0 0 0 .37.852l2.384.942Z" class="icon-base"/></svg></i>Find a bad credit loan<i class="Icon Icon--xs arrow-icon down"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></i> <i class="Icon Icon--xs arrow-icon up"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></i> </button> <ul class="ml-0 mb-0 RateTableHeader-collapsibleContent display-none" id="how-it-works-content" role="region" tabindex="-1" data-toggle-visibility-content-family="rate-table-form"> <li class="how-it-works_item mb-10 md:mb-6 display-flex align-items-center"> <i class="Icon mr-6"> <svg class="Icon Icon--nm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Classic Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.409 13.388c-1.863-1.147-3.1-3.156-3.1-5.439 0-3.556 3.003-6.449 6.695-6.449 3.691 0 6.694 2.893 6.694 6.449 0 2.284-1.238 4.294-3.102 5.44 3.048.424 5.396 2.955 5.396 6.007v.56l.002.132c.01.583.02 1.174-.08 1.774-.06.368-.391.633-.773.635a.739.739 0 0 1-.124-.01.759.759 0 0 1-.65-.872c.09-.502.08-1.071.06-1.63v-.589c0-2.513-2.117-4.552-4.726-4.552H9.316c-2.609 0-4.725 2.039-4.725 4.552v.588c-.01.55-.02 1.129.059 1.631a.759.759 0 0 1-.65.873.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.054 2.352-5.588 5.403-6.008Zm11.732 9.11h-.005.01-.005ZM6.884 7.948c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.119 2.21 5.119 4.932 0 2.722-2.294 4.932-5.12 4.932-2.825 0-5.119-2.21-5.119-4.932Z" class="icon-base"/></svg></i> <div> <p class="text-sm mb-2">Answer a few questions</p> <div class="text-sm text-slate mb-0 pr-2"><p>Take just two minutes to answer questions about the bad credit loan you need. This is free and won't affect your credit score. </p></div> </div> </li> <li class="how-it-works_item mb-10 md:mb-6 display-flex align-items-center"> <i class="Icon mr-6"> <svg class="Icon Icon--nm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Money Bag Icon</title><path d="M13.72 23.993c-4.097-.06-7.047-1.627-8.11-4.291-1.104-2.74.228-5.337 1.552-7.554A98.862 98.862 0 0 1 8.94 9.324l.438-.691L7.347 4.83a.67.67 0 0 1 .152-.826s.177-.152.615-.497c1.493-1.155 3.111-1.408 4.806-.75 1.188.463 2.613.918 4.14.843.345-.026 1.652-.194 2.132-.253a.667.667 0 0 1 .7.935L18.003 8.59l.422.658c.615.961 1.23 1.922 1.812 2.892 1.332 2.217 2.656 4.805 1.552 7.553-1.071 2.664-4.022 4.232-8.094 4.291l.026.009Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M3.434 18.888c1.125 2.82 4.25 4.481 8.588 4.544l-.027-.01c4.311-.062 7.436-1.722 8.57-4.543 1.169-2.91-.233-5.65-1.643-7.998-.616-1.027-1.268-2.044-1.92-3.062l-.446-.696 2-4.561a.71.71 0 0 0-.741-.991l-.414.051c-.627.079-1.555.195-1.845.217-1.615.08-3.124-.402-4.382-.893C9.379.25 7.666.517 6.086 1.74a23.63 23.63 0 0 0-.652.527.709.709 0 0 0-.16.875l2.15 4.026-.464.732c-.642.99-1.276 1.981-1.883 2.99-1.402 2.348-2.812 5.097-1.643 7.998ZM8.74 6.595 6.818 3v-.018l.151-.116c1.17-.91 2.384-1.098 3.696-.589 1.401.553 3.088 1.098 4.99.99.214-.008.66-.062 1.107-.115L15.254 6.6a15.734 15.734 0 0 1-6.514-.005Zm-.15 1.426-.425.664c-.633.982-1.258 1.964-1.856 2.955-1.286 2.142-2.464 4.427-1.545 6.73 1.286 3.214 5.508 3.615 7.267 3.642 1.731-.027 5.954-.437 7.239-3.65.92-2.295-.259-4.58-1.544-6.731-.571-.957-1.182-1.906-1.787-2.848l-.115-.178-.373-.589a17.57 17.57 0 0 1-3.443.346c-1.144 0-2.281-.116-3.418-.34Zm2.709 9.777h-.634a.716.716 0 0 1-.714-.714c0-.393.32-.715.714-.715h1.238a.716.716 0 0 1 .22 0h.488a.33.33 0 1 0 0-.66h-1.197a1.756 1.756 0 0 1-1.758-1.758c0-.934.732-1.695 1.643-1.755v-.191c0-.393.321-.714.714-.714.393 0 .714.321.714.714v.187h.633c.393 0 .715.321.715.714a.716.716 0 0 1-.714.714h-1.947a.33.33 0 1 0 0 .66h1.197c.973 0 1.758.795 1.758 1.76 0 .925-.723 1.694-1.642 1.754v.165a.716.716 0 0 1-.714.714.716.716 0 0 1-.714-.714v-.161Z" class="icon-base"/></svg></i> <div> <p class="text-sm mb-2">Find out if you have available offers</p> <div class="text-sm text-slate mb-0 pr-2"><p>View and compare your personalized options from a list of loan providers. </p></div> </div> </li> <li class="how-it-works_item mb-10 md:mb-6 display-flex align-items-center"> <i class="Icon mr-6"> <svg class="Icon Icon--nm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Congrats Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M15.239 15.447a11.51 11.51 0 0 0-1.386-1.946c-.879-1.002-1.852-1.787-2.78-2.299-1.439-.964-2.969-1.516-3.82-.72-.062.058-.117.12-.165.185a.562.562 0 0 0-.14.232l-.006.02a1.58 1.58 0 0 0-.106.331L3.592 21.44a1.222 1.222 0 0 0 1.168 1.593l-.007.007c.106 0 .206-.014.312-.043l10.441-2.747a.592.592 0 0 0 .103-.038c.173-.063.332-.158.47-.287.822-.779.525-2.407-.827-4.46a.606.606 0 0 0-.013-.018Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M9.535 2.977c.055.078 1.562 2.255.086 4.984-1.474-.864-2.946-1.258-3.812-.448a1.57 1.57 0 0 0-.191.215.651.651 0 0 0-.162.268l-.007.02a1.83 1.83 0 0 0-.123.389l-2 6.284a.649.649 0 0 0-.127.396l-1.633 5.13a1.417 1.417 0 0 0 1.354 1.846l-.008.009c.123 0 .238-.017.361-.05l12.104-3.183a.682.682 0 0 0 .12-.046 1.6 1.6 0 0 0 .545-.332c.952-.902.607-2.79-.96-5.17a.66.66 0 0 0-.911-.188.66.66 0 0 0-.189.91c1.264 1.93 1.436 3.226 1.157 3.488-.435.41-2.782-.393-5.506-3.315-2.332-2.5-3.137-4.61-3.048-5.423l.08-.252a.276.276 0 0 1 .038-.045c.296-.27 1.765-.008 3.997 1.88.279.238.689.205.927-.074a.653.653 0 0 0-.074-.928 15.972 15.972 0 0 0-.831-.654c1.991-3.514-.028-6.36-.121-6.485a.657.657 0 1 0-1.067.772l.001.002ZM4.093 16.589l-1.28 4.02s0 .074.025.107c.037.037.08.034.095.033h.004l4.044-1.064c-.512-.44-1.03-.937-1.55-1.488-.48-.518-.93-1.06-1.338-1.608Zm4.472 2.68 4.007-1.055c-1.29-.688-2.687-1.83-3.9-3.127-1.188-1.277-2.214-2.718-2.818-4.03l-1.26 3.96a17.97 17.97 0 0 0 1.797 2.285c.716.762 1.467 1.444 2.174 1.966Zm5.294-13.94c0 1.084.886 1.97 1.97 1.97 1.083 0 1.969-.886 1.969-1.97 0-1.083-.886-1.969-1.97-1.969-1.083 0-1.969.886-1.969 1.97Zm1.313 0c0-.369.287-.656.656-.656.37 0 .657.287.657.657 0 .369-.287.656-.656.656a.648.648 0 0 1-.657-.656Zm3.59 13.015a.673.673 0 0 1-.669-.656c0-.361.28-.656.64-.656h.025c.36 0 .656.295.656.656 0 .36-.293.654-.652.656Zm0 0h.004-.008.004Zm3.085-11.357a.673.673 0 0 1-.668-.656c0-.361.279-.657.64-.657h.024c.361 0 .657.296.657.657 0 .36-.293.654-.653.656Zm0 0h.005-.009.004Zm-.152 9.847a.66.66 0 0 1-.525-.262c-1.37-1.797-3.102-1.855-3.118-1.855a.653.653 0 0 1-.64-.673.63.63 0 0 1 .673-.64c.098 0 2.388.074 4.136 2.372a.655.655 0 0 1-.123.919.632.632 0 0 1-.394.131l-.009.008Zm-10.293-3.43h.004-.008.004Zm.463-.197a.652.652 0 0 1-.463.197.659.659 0 0 1-.472-1.116c.156-.164 3.939-3.963 9.749-2.314a.66.66 0 0 1 .451.812.66.66 0 0 1-.812.452c-5.039-1.428-8.313 1.83-8.453 1.97Z" class="icon-base"/></svg></i> <div> <p class="text-sm mb-2">Lock in rate</p> <div class="text-sm text-slate mb-0 pr-2"><p>Finish up the process with your lender of choice and get the money you need as soon as possible.</p></div> </div> </li> </ul> </div> </div> </div> </div> <div class="RateTableHeader-cards RateTableHeaderPLEntryPoint wrapper mb-6 px-4 lg:px-0"> <button id="how-to-apply-trigger" class="Card Card--accentedBottom Card--icon cursor-pointer trackLocation" type="button" aria-controls="how-to-apply-content" aria-expanded="false" data-toggle-visibility="how-to-apply-content" data-beam-element-clicked data-type="Button" data-position="above rate table" data-text="What to know first" data-outcome="open accordion" > <div 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While we adhere to strict <a class="Link" href="https://www.bankrate.com/editorial-guidelines/"><button class="Link leading-none bg-transparent p-0" type="button" data-target="#editorialIntegrity">editorial integrity</button></a>, this post may contain references to products from our partners. Here’s an explanation for <a class="Link" href="https://www.bankrate.com/advertising-disclosure/"><button class="Link leading-none bg-transparent p-0" type="button" data-target="#howwe-makemoney">how we make money</button></a>. Learn more about <a class="Link" href="https://www.bankrate.com/about/">who we are</a> and our promise to guide you through life’s financial journey.</p></div> </div> </div> <div id="how-to-apply-content" class="RateTableHeader-collapsibleContent display-none" role="region" tabindex="-1" data-toggle-visibility-content-family="rate-table-header"> <div class="display-flex justify-content-space-between md:justify-content-flex-start align-items-center mb-6"> <p class="type-heading-six uppercase mb-1 pr-5">What to know first</p> <button type="button" class="RateTableHeader-collapse Link Link--standalone px-0" aria-controls="how-to-apply-content" aria-expanded="false" data-toggle-visibility="how-to-apply-content" data-toggle-origin-id="how-to-apply-trigger"> Collapse <i class="Icon Icon--xs ml-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></i> </button> </div> <div class="wysiwyg display-block w-full"> <p>The best bad credit personal loans give borrowers with scores below 580 a chance to get fixed-rate financing with a set payoff date. A bad or low credit score will keep you from getting the lowest APR (annual percentage rate) and limit your loan amount and repayment term choices. Bad credit loan APRs currently range between 17.80 percent and 35.99 percent. </p> <p>Check your lender's bad credit requirements: Some lenders set the minimum bad credit score as high as 670. Bankrate’s team of experts <a class="Link" href="https://www.bankrate.com/loans/personal-loans/bad-credit-loans/#methodology">vetted the top bad credit lenders</a> based on whether they offer competitive rates and terms for borrowers with bad or thin credit, have a simple application process, fund loans quickly and other factors.</p></div> <button type="button" class="RateTableHeader-collapse Link Link--standalone px-0" aria-controls="how-to-apply-content" aria-expanded="false" data-toggle-visibility="how-to-apply-content" data-toggle-origin-id="how-to-apply-trigger"> Collapse </button> </div> <div id="on-this-page-content_pl-entry-point" class="RateTableHeader-collapsibleContent display-none" role="region" tabindex="-1" data-toggle-visibility-content-family="rate-table-header"> <div class="display-flex justify-content-space-between md:justify-content-flex-start align-items-center mb-6"> <p class="type-heading-six uppercase mb-1 pr-5">On this page</p> <button type="button" class="RateTableHeader-collapse Link Link--standalone px-0" aria-controls="on-this-page-content_pl-entry-point" aria-expanded="false" data-toggle-visibility="on-this-page-content_pl-entry-point" data-toggle-origin-id="on-this-page-trigger_pl-entry-point"> Collapse <i class="Icon Icon--xs ml-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></i> </button> </div> <ul class="mb-0"> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#compare">Compare rates on personal loans for low credit from Bankrate’s top picks</a> </li> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#what">What are bad credit loans?</a> </li> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#bad-credit">How to get a personal loan with bad credit </a> </li> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#alternatives">Alternatives to bad credit loans</a> </li> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#expert">How to spot bad credit loan scams</a> </li> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#faq">FAQs</a> </li> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#methodology">Methodology</a> </li> </ul> </div> </div> <div class="wrapper"> <div class="display-grid gap-4 grid-cols-1 sm:grid-cols-1 md:grid-cols-1 lg:p-0 p-4 mt-8"> <div class="col-span-1 sm:col-span-1 md:col-span-1 "> <div id="rate-table" class="SectionWithTocItem " > <div class="rate-table-personal-loans" data-preamp> <script>window.config={"HOST_ENV":"prod","HELM_API_ENDPOINT":"https://helm.bankrate.com","loansApiEndpoint":"https://loans.bankrate.com","loansApiKey":"c5a17aea1045437d8e4cdedf3cdb88db","autoLoansFormEndpoint":"https://offers.bankrate.com/auto-loans/pre-qual","SMB_API_ENDPOINT":"https://helm.bankrate.com","ROLLBAR_CLIENT_TOKEN":"a9fff71135ef4a2c9a9d9a6ad2444fb5"}</script><div id="__next"><div><main><div class="wrapper mb-16 rate-table"><div class="relative m-2"><div><div class="col-span-2 mb-4"><button class="Button Button--secondary w-full max-w-full classy-md:hidden" id="filter-and-sort">Filter & Sort</button><div class="fixed bg-white w-full rounded-lg shadow-xl p-4 classy-md:relative classy-md:p-0 classy-md:shadow-none mobile-filter-panel"><div class="flex content-center justify-between mt-3 classy-md:hidden"><h2 class="type-heading-four m-0">Filter results</h2><div class="close-button"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><title>Close X</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12 10.586L4.222 2.808 2.808 4.222 10.586 12l-7.778 7.778 1.414 1.414L12 13.414l7.778 7.778 1.414-1.414L13.414 12l7.778-7.778-1.414-1.414L12 10.586z" class="close-x_svg__icon-base"></path></svg></div></div><div class="grid grid-cols-2 classy-md:grid-cols-5"><div class="col-span-4"><form action="#"><div class="flex flex-col align-items-flex-top classy-md:flex-row"><div class="classy-md:mt-0 classy-md:mr-4"><div class="FormControl"><label class="FormLabel " for="zip">ZIP code</label><input name="zip" id="zip" inputMode="numeric" class="FormInput" value="90210"/></div></div><div class="mt-4 classy-md:mt-0 classy-md:mr-4 load-reason-input"><label class="FormLabel " for="loanPurpose">Looking for</label><div class="FormControl FormControl--withRightIcon"><select name="loanPurpose" id="loanPurpose" class="FormSelect"><option value="best" selected="">Select item</option><option value="low_interest">Low interest loans</option><option value="debt_consolidation">Debt consolidation</option><option value="home_improvement">Home project loans</option><option value="emergency">Quick cash</option><option value="debt_relief">Debt relief</option><option value="major_purchase">Cash for a big purchase</option><option value="cc_refi">Card refinancing</option><option value="installment">Installment</option><option value="good_credit">Loans for good credit</option><option value="recreational_vehicle">RV Financing</option><option value="boat_financing">Boat Financing</option><option value="other">Other</option></select><span class="FormSelect-arrow Icon Icon--xs"><svg class="icon__glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></div></div><div class="mt-4 classy-md:mt-6"><button type="button" id="moreFilters" class="hidden Button Button--secondary classy-md:block">More Filters</button></div></div></form></div><div class="grid-column-reverted mb-4 classy-md:mb-0 classy-md:col-span-1 col-span-4"><div class="FormControl "><label class="FormLabel " for="loanPurpose">Sort by</label><select class="FormSelect" aria-label="Form select"><option value="rank" selected="">Default</option><option value="lender">Lending Partner</option><option value="apr">APR</option><option value="term">Term</option><option value="amount">Max Loan Amount</option><option value="review-score">Bankrate Score</option></select><span class="FormSelect-arrow Icon Icon--xs"><svg class="icon__glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></div></div></div></div></div><div class="col-span-5 classy-md:col-span-6"><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Upstart: Best for limited credit history</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Upstart.png?optimize=medium&format=pjpg&auto=webp" alt="Upstart" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.8 star rating"><div class="RatingStars-iconMask" style="width:96%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.8</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/upstart/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R39km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.8/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R39km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.40- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-5 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$1k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">300</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0"></p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R59km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Upstart’s minimum credit requirements helped it earn Bankrate’s 2024 best bad credit loan award. The lender considers borrowers with little or no credit history for approval. It uses proprietary software that evaluates applicants using more than just credit scores. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R59km:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Valid email address</li><li>Social Security number</li><li>Personal bank account</li><li>Steady income or job offer starting within 6 months</li><li>Minimum annual income of $12,000</li></ul><p><br></p></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>5% up to $15 late fee</li><li>Up to 12% origination fee</li><li>$15 returned check fee</li><li>$10 one-time paper copies fee</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">One business day if accepted before 5 p.m. ET, Monday to Friday</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>AI may allow approval for borrowers who wouldn’t qualify elsewhere</li><li>Quick next-day funding possible</li><li>Offers direct payment to creditors for debt consolidation loans</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Origination fee of up to 12 percent of the approved loan amount</li><li>Potentially APR as high as 35.99%</li><li>Loans only available for three- or five-year terms</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R59km:"><p>The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved. </p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Upgrade: Best for quick small loans</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Upgrade.png?optimize=medium&format=pjpg&auto=webp" alt="Upgrade" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.7 star rating"><div class="RatingStars-iconMask" style="width:94%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/upgrade/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R3akm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.7/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R3akm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">9.99- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left">with AutoPay</span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$1k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">580</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R5akm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Offering funding within one business day, Upgrade is ideal for borrowers who have fair credit and need smaller loan amounts. Upgrade is also one of the few bad credit lenders that offers a seven-year term, though it may not be available to bad-credit borrowers.</p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R5akm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>U.S. citizen or permanent resident</li><li>At least 18 years old</li><li>Valid email address</li><li>Verifiable bank account</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>1.85%-9.99% origination fee</li><li>$10 late fee</li><li>$10 returned check fee</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">Within one business day if sent to borrower; up to two weeks if sent directly to creditors</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Funds may be available within one business day</li><li>Sends debt consolidation loan funds directly to creditors</li><li>Flexible loan amounts of $1,000 to $50,000</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Origination fees of up to 9.99%</li><li>Higher minimum credit score than other bad credit lenders</li><li>High APRs compared to some competitors</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R5akm:"><p><span style="background-color: transparent; color: rgb(0, 0, 0);">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/.</span></p><p><br></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">BEST EGG: BEST FOR SECURED LOAN OPTIONS</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Best Egg.png?optimize=medium&format=pjpg&auto=webp" alt="Best Egg" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.6 star rating"><div class="RatingStars-iconMask" style="width:92%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.6</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/best-egg/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R3bkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.6/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R3bkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">6.99- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-5 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$2k- $50K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">600</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R5bkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Best Egg offers some of the most unique secured loan options among bad credit lenders. You can secure a loan against fixtures in your home, with major discounts possible. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R5bkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>U.S. citizen or permanent resident</li><li>Legal age in state to accept a loan</li><li>Personal checking account with routing number</li><li>Valid email</li><li>Physical address in qualifying state</li></ul><p><br></p></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Origination fee of 0.99% to 9.99%</li><li>Returned payment fee of $15</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">As soon as one business day</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>High maximum loan amount</li><li>Fast funding available</li><li>Multiple secured options</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Fewer repayment term options than competitors</li><li>HIgher minimum loan amount</li><li>Terms not disclosed on the website</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R5bkm:"><p>*Trustpilot TrustScore as of December 2022. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Avant: Best for lower credit scores</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/avant.png?optimize=medium&format=pjpg&auto=webp" alt="Avant" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.7 star rating"><div class="RatingStars-iconMask" style="width:94%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/avant/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R3ckm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.7/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R3ckm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">9.95- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-5 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$2k- $35K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">550</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">Read our review<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">on Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R5ckm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Avant is one of few lenders with a minimum credit score below 600 — its minimum is set at 580, the very bottom of the fair credit range. Avant doesn’t allow co-signers or co-borrowers, but it may consider household members’ income when making lending decisions. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R5ckm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Have an Avant account</li><li>Submit income pay stubs</li><li>Pass identity verification</li><li>Provide employment information</li><li>Verifiable bank account</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Up to 9.99% administration fee</li><li>$25 late fee</li><li>$15 dishonored payment fee</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">As soon as the next business day</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Administration fee is partially refundable if you repay your loan early</li><li>Seven days a week customer service available</li><li>Low minimum credit score requirement</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>High administration fee</li><li>High minimum APR</li><li>No co-signers or co-borrowers</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R5ckm:"><p>*Loan amounts range from $2,000 to $35,000. APR ranges from 9.95% to 35.99%. Loan lengths range from 24 to 60 months. Administration fee up to 9.99%. If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state. Administration fee is deducted from the loan proceeds and paid to the Lender. Any administration fee of 5% or less of the initial loan amount is not refundable. Administration fee amount in excess of 5% of the initial loan amount is refundable on a prorated basis over the remaining term of the loan when and if the loan is paid in full prior to its original maturity date. A partial prepayment does not trigger a refund of any administration fee amount. Borrower recognizes that the Administration fee is deemed part of the loan principal and is subject to the accrual of interest.</p><p>**Personal loan funds are generally deposited via ACH for delivery next business day if approved by 4:30 pm CT Monday-Friday.</p><p>Example: A $5,700 loan with an administration fee of 9.99% and an amount financed of $5,130.57, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $217.66.</p><p>New Mexico consumer <a rel="noopener noreferrer" href="https://assets.ctfassets.net/vrxttq978is8/1eS8eJhH54ycK7fhPa7hUk/bd189960ce122598d8c7551d2fb96fad/NM_Consumer_Information_Brochure_and_Loan_Rate_and_Fee_Disclosure.pdf" target="_blank">brochure</a> for common terms and definitions and regulations around rates and fees.</p><p>Avant branded credit products are issued by WebBank.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">PERSONAL LOANS</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">LendingPoint: Best for low minimum rate with many repayment terms</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/LendingPoint.png?optimize=medium&format=pjpg&auto=webp" alt="Lending Point" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.4 star rating"><div class="RatingStars-iconMask" style="width:88.00000000000001%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.4</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/personal-loans/reviews/lendingpoint/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R3dkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.4/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">Est. APR</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R3dkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.99- 35.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-6 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$1k- $36.5K<span class="Numeral-accent"></span><span class="text-gray-700"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">600</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">Read our review<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">on Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R5dkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 classy-md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>You can choose terms as short as two years or as long as six years, making LendingPoint a solid choice for repayment term flexibility. If your credit has risen significantly after a debt consolidation loan, you may be eligible for a minimum APR of just under 8 percent. </p></div></div><div class="mt-4 classy-md:grid classy-md:grid-cols-2 classy-md:gap-6" id="seeDetailsContent_:R5dkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Social Security number</li><li>Government-issued ID</li><li>At least 18 years old</li><li>Verifiable bank account</li><li>Not a resident of Nevada or West Virginia</li><li>Minimum annual income of $35,000</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Up to 10% origination fee, depending on your state</li></ul></div><div><span class="font-bold text-gray-900">Time to receive funds:</span></div><p class="text-gray-700">As soon as the next business day following approval</p></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Repayment terms up to six years</li><li>Available in most states</li><li>Loan amounts as small as $1,000</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>High origination fee for some</li><li>Low maximum loan amount</li><li>No joint applications</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R5dkm:"><p><em>* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 7% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from </em><strong><em>24 to 72</em></strong><em> </em><strong><em>months.</em></strong><em> Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.34% and origination fee of 7% will have a payment of $327.89 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.</em></p></div></div></div></div></div></article></div></div></div></div></div></div></div></main></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"initValues":{"zip":"90210","loanAmount":10000,"creditScore":639,"annualIncome":50000,"loanPurpose":"best","sponsored":false,"sortBy":"rank","page":"/loans/personal-loans/bad-credit-loans/"},"initialRates":[{"amount":{"min":1000,"max":50000},"apr":{"fixed":{"min":7.4,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/personal-loans/prequalification?partner_sub_id=[CLICK_ID]","trackingParameter":"partner_sub_id","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=5668de6d-2d23-4dbd-86ba-623347b7559e","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=5668de6d-2d23-4dbd-86ba-623347b7559e"},"editorial":{"cons":["Origination fee of up to 12 percent of the approved loan amount","Potentially APR as high as 35.99%","Loans only available for three- or five-year terms"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eBorrowers with thin credit history.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eWhile many loan applications are based primarily on a borrower’s credit score and years of credit, Upstart applications also factor in an individual’s education, job history and area of study.\u003c/p\u003e","eligibilityRequirements":["Meet credit requirements","Residential U.S. street address","At least 18 years old","Not live in West Virginia or Iowa","Email address","Social Security number"],"feeTypes":["5% up to $15 late fee","Up to 12% origination fee","$15 returned check fee","$10 one-time paper copies fee"],"fundingText":["One business day if accepted before 5 p.m. ET, Monday to Friday"],"perks":["Flexible eligibility criteria","Flexible repayment date","Fast funding"],"pros":["AI may allow approval for borrowers who wouldn’t qualify elsewhere","Quick next-day funding possible","Offers direct payment to creditors for debt consolidation loans"],"superlative":"Upstart: Best for limited credit history","expertTake":"\u003cp\u003eUpstart’s minimum credit requirements helped it earn Bankrate’s 2024 best bad credit loan award. The lender considers borrowers with little or no credit history for approval. It uses proprietary software that evaluates applicants using more than just credit scores.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eValid email address\u003c/li\u003e\u003cli\u003eSocial Security number\u003c/li\u003e\u003cli\u003ePersonal bank account\u003c/li\u003e\u003cli\u003eSteady income or job offer starting within 6 months\u003c/li\u003e\u003cli\u003eMinimum annual income of $12,000\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},"id":202,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Upstart.png","name":"Upstart","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e You can borrow as little as $1,000 and as much as $50,000 with an Upstart personal loan. Loans come with three- or five-year terms and APRs from 6.76% to 35.99%\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e You can apply even if you don’t have a long credit history. If you’re relatively new to borrowing money, you might be eligible. Also, there's no prepayment penalty for paying your loan off early.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Co-signers aren't allowed, and Upstart charges an origination fee of up to 8 percent and a late fee that’s the greater of $15 or 5 percent of the payment due.\u003c/p\u003e","score":"4.8","url":"https://www.bankrate.com/loans/personal-loans/reviews/upstart/"},"uuid":"5668de6d-2d23-4dbd-86ba-623347b7559e","vertical":"personal"},"marketingDetails":["Personal loans $1,000 to $50,000","Check your rate online in minutes","Pay loan off any time with no prepayment penalty"],"minimumCreditRequired":{"personal":300},"loanPurpose":"best","monetized":true,"productType":"rate","rank":2,"term":{"min":36,"max":60},"termsAndConditions":"\u003cp\u003eThe full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.\u0026nbsp;\u003c/p\u003e"},{"amount":{"min":1000,"max":50000},"apr":{"fixed":{"min":9.99,"max":35.99},"subtext":"with AutoPay"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.upgrade.com/funnel/nonDMFunnel?utm_source=bankrate\u0026utm_medium=partners_linking\u0026external_identifier=[CLICK_ID]","subtext":"Check rate with Bankrate","trackingParameter":"external_identifier","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=a16650d3-e98b-4849-9db9-b3a93ea91882","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=a16650d3-e98b-4849-9db9-b3a93ea91882"},"editorial":{"cons":["Origination fees of up to 9.99%","Higher minimum credit score than other bad credit lenders","High APRs compared to some competitors"],"eligibilityRequirements":["U.S. citizen or permanent resident","At least 18 years old","Valid email address","Verifiable bank account"],"feeTypes":["1.85%-9.99% origination fee","$10 late fee","$10 returned check fee"],"fundingText":["Within one business day if sent to borrower; up to two weeks if sent directly to creditors"],"perks":["Co-borrower and secured loan options","Rate discounts available","Direct creditor payment"],"pros":["Funds may be available within one business day","Sends debt consolidation loan funds directly to creditors","Flexible loan amounts of $1,000 to $50,000"],"superlative":"Upgrade: Best for quick small loans","expertTake":"\u003cp\u003eOffering funding within one business day, Upgrade is ideal for borrowers who have fair credit and need smaller loan amounts. Upgrade is also one of the few bad credit lenders that offers a seven-year term, though it may not be available to bad-credit borrowers.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eU.S. citizen or permanent resident\u003c/li\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eValid email address\u003c/li\u003e\u003cli\u003eVerifiable bank account\u003c/li\u003e\u003c/ul\u003e"},"id":32,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Upgrade.png","name":"Upgrade","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Upgrade personal loans range from $1,000 to $50,000. You can use your personal loan for nearly anything, including debt consolidation, home improvement or a major expense.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e Terms of two to seven years let you pay off your loan on a schedule that's best for your budget. Interest rates start at 8.49 percent APR as long as you have strong credit to qualify.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e All personal loans come with a 1.85 percent to 9.99 percent origination fee. There's also a $10 failed payment fee.\u003c/p\u003e","score":"4.7","url":"https://www.bankrate.com/loans/personal-loans/reviews/upgrade/"},"uuid":"a16650d3-e98b-4849-9db9-b3a93ea91882","vertical":"personal"},"marketingDetails":["Fixed rates and payments with a clear pay off date.,Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline.,Fast Funding. Money is sent to your bank account within a day of clearing any verifications. *,Automatic payments and ability to customize the due date: manage your account online or via the mobile app. No prepayment penalties. ,Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of your credit. "],"minimumCreditRequired":{"personal":580},"loanPurpose":"best","monetized":true,"productType":"rate","rank":9,"term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"\u003ePersonal 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/.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},{"amount":{"min":2000,"max":50000},"apr":{"fixed":{"min":6.99,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://bestegg.com/simplify/?cpid=c9436e\u0026LeadID=[CLICK_ID]","subtext":"Check rate with Bankrate","trackingParameter":"LeadID","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=df56083a-5dd1-46e8-8579-dbc173b1eb43","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=df56083a-5dd1-46e8-8579-dbc173b1eb43"},"editorial":{"cons":["Fewer repayment term options than competitors","HIgher minimum loan amount","Terms not disclosed on the website"],"eligibilityRequirements":["U.S. citizen or permanent resident","Legal age in state to accept a loan","Personal checking account with routing number","Valid email","Physical address in qualifying state"],"feeTypes":["Origination fee of 0.99% to 9.99%","Returned payment fee of $15"],"fundingText":["As soon as one business day"],"perks":["Generous qualification terms","Loans can be used for many costs","Quick funding"],"pros":["High maximum loan amount","Fast funding available","Multiple secured options"],"superlative":"BEST EGG: BEST FOR SECURED LOAN OPTIONS","expertTake":"\u003cp\u003eBest Egg offers some of the most unique secured loan options among bad credit lenders. You can secure a loan against fixtures in your home, with major discounts possible.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eU.S. citizen or permanent resident\u003c/li\u003e\u003cli\u003eLegal age in state to accept a loan\u003c/li\u003e\u003cli\u003ePersonal checking account with routing number\u003c/li\u003e\u003cli\u003eValid email\u003c/li\u003e\u003cli\u003ePhysical address in qualifying state\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},"id":21,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Best Egg.png","name":"Best Egg","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Best Egg offers personal loans for a variety of purposes, whether it's debt consolidation, credit card refinancing, family needs or home improvements. Loans start at $2,000, and you can borrow as much as $50,000.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e There are no prepayment penalties for paying your loan off early.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Origination fees range from 0.99 percent to 9.99 percent, and $15 late payment fees are charged within three days of a missed payment.\u003c/p\u003e","score":"4.6","url":"https://www.bankrate.com/loans/personal-loans/reviews/best-egg/"},"uuid":"df56083a-5dd1-46e8-8579-dbc173b1eb43","vertical":"personal"},"marketingDetails":["Get a personal loan up to $50,000 with a fixed APR from 8.99% to 35.99%","Get money in as little as one business day, upon approval and verification","Join more than 450,000 customers at a trusted company with an A+ BBB rating","Use it for almost anything: consolidate debt or other unexpected expenses"],"minimumCreditRequired":{"personal":600},"loanPurpose":"best","monetized":true,"productType":"rate","rank":10,"term":{"min":36,"max":60},"termsAndConditions":"\u003cp\u003e*Trustpilot TrustScore as of December 2022. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank \u0026amp; Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank \u0026amp; Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001.\u0026nbsp;For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/\u003c/p\u003e"},{"amount":{"min":2000,"max":35000},"apr":{"fixed":{"min":9.95,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.avant.com/landing/bankrate?SubID=[CLICK_ID]","subtext":"on Bankrate","trackingParameter":"SubID","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=55e6755f-61d5-463e-9643-aa262baecb86","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=55e6755f-61d5-463e-9643-aa262baecb86"},"editorial":{"cons":["High administration fee","High minimum APR","No co-signers or co-borrowers"],"consumerInfo":"\u003cp\u003e\u003cstrong\u003eWHO IT'S FOR\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eThose who want to pay off their loan early.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWHY WE LIKE IT\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eAvant’s loans offer repayment terms of 12 to 60 months, and with no prepayment penalty, borrowers can save money on interest by paying their loans off early.\u003c/p\u003e","eligibilityRequirements":["Have an Avant account","Submit income pay stubs","Pass identity verification","Provide employment information","Verifiable bank account"],"feeTypes":["Up to 9.99% administration fee","$25 late fee","$15 dishonored payment fee"],"fundingText":["As soon as the next business day"],"perks":["Payment assistance options","Offers unsecured loans","10-day grace period"],"pros":["Administration fee is partially refundable if you repay your loan early","Seven days a week customer service available","Low minimum credit score requirement"],"superlative":"Avant: Best for lower credit scores","expertTake":"\u003cp\u003eAvant is one of few lenders with a minimum credit score below 600 — its minimum is set at 580, the very bottom of the fair credit range. Avant doesn’t allow co-signers or co-borrowers, but it may consider household members’ income when making lending decisions.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eHave an Avant account\u003c/li\u003e\u003cli\u003eSubmit income pay stubs\u003c/li\u003e\u003cli\u003ePass identity verification\u003c/li\u003e\u003cli\u003eProvide employment information\u003c/li\u003e\u003cli\u003eVerifiable bank account\u003c/li\u003e\u003c/ul\u003e"},"id":22,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/avant.png","name":"Avant","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Avant offers loans as low as $2,000, which is helpful if you don't need to borrow a lot of money but still need fast access to cash. Terms go as long as five years.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e You can get your money within one business day after you are approved.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Interest rates start at 9.95 percent APR and can go as high as 35.99 percent APR, which is higher than interest rates from other lenders. Avant also charges an administration fee of up to 9.99 percent and a $25 late fee.\u003c/p\u003e","score":"4.7","url":"https://www.bankrate.com/loans/personal-loans/reviews/avant/"},"uuid":"55e6755f-61d5-463e-9643-aa262baecb86","vertical":"personal"},"marketingDetails":["Personal loans from $2,000 to $35,000 online.","Competitive rates from 9.95% - 35.99% APR and terms from 12 to 60 months","Checking your loan options has no impact to your credit score.","Fast Decisions, see your loan options in minutes","Funding as soon as next business day**"],"minimumCreditRequired":{"personal":550},"loanPurpose":"best","monetized":false,"productType":"rate","rank":12,"term":{"min":24,"max":60},"termsAndConditions":"\u003cp\u003e*Loan amounts range from $2,000 to $35,000. APR ranges from 9.95% to 35.99%. Loan lengths range from 24 to 60 months. Administration fee up to 9.99%. If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state. Administration fee is deducted from the loan proceeds and paid to the Lender. Any administration fee of 5% or less of the initial loan amount is not refundable. Administration fee amount in excess of 5% of the initial loan amount is refundable on a prorated basis over the remaining term of the loan when and if the loan is paid in full prior to its original maturity date. A partial prepayment does not trigger a refund of any administration fee amount. Borrower recognizes that the Administration fee is deemed part of the loan principal and is subject to the accrual of interest.\u003c/p\u003e\u003cp\u003e**Personal loan funds are generally deposited via ACH for delivery next business day if approved by 4:30 pm CT Monday-Friday.\u003c/p\u003e\u003cp\u003eExample: A $5,700 loan with an administration fee of 9.99% and an amount financed of $5,130.57, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $217.66.\u003c/p\u003e\u003cp\u003eNew Mexico consumer \u003ca rel=\"noopener noreferrer\" href=\"https://assets.ctfassets.net/vrxttq978is8/1eS8eJhH54ycK7fhPa7hUk/bd189960ce122598d8c7551d2fb96fad/NM_Consumer_Information_Brochure_and_Loan_Rate_and_Fee_Disclosure.pdf\" target=\"_blank\"\u003ebrochure\u003c/a\u003e for common terms and definitions and regulations around rates and fees.\u003c/p\u003e\u003cp\u003eAvant branded credit products are issued by WebBank.\u003c/p\u003e"},{"amount":{"min":1000,"max":36500},"apr":{"fixed":{"min":7.99,"max":35.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.lendingpoint.com/apply/?LeadProviderData=BankRateNPR_PLP_URL\u0026SubSource=BankRateNPR\u0026LeadSource=Referral\u0026PointCode=[CLICK_ID]","subtext":"on Bankrate","trackingParameter":"PointCode","trackingUrl":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=81c52091-652b-4803-8c3d-a0669b3629ca","url":"https://www.bankrate.com/loans/personal-loans/prequalification/?cobrand=81c52091-652b-4803-8c3d-a0669b3629ca"},"editorial":{"cons":["High origination fee for some","Low maximum loan amount","No joint applications"],"eligibilityRequirements":["Social Security number","Government-issued ID","At least 18 years old","Verifiable bank account","Not a resident of Nevada or West Virginia","Minimum annual income of $35,000"],"feeTypes":["Up to 10% origination fee, depending on your state"],"fundingText":["As soon as the next business day following approval"],"perks":["Low minimum credit score","Flexible eligibility looks beyond credit score"],"pros":["Repayment terms up to six years","Available in most states","Loan amounts as small as $1,000"],"superlative":"LendingPoint: Best for low minimum rate with many repayment terms","expertTake":"\u003cp\u003eYou can choose terms as short as two years or as long as six years, making LendingPoint a solid choice for repayment term flexibility. If your credit has risen significantly after a debt consolidation loan, you may be eligible for a minimum APR of just under 8 percent.\u0026nbsp;\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eSocial Security number\u003c/li\u003e\u003cli\u003eGovernment-issued ID\u003c/li\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eVerifiable bank account\u003c/li\u003e\u003cli\u003eNot a resident of Nevada or West Virginia\u003c/li\u003e\u003cli\u003eMinimum annual income of $35,000\u003c/li\u003e\u003c/ul\u003e"},"id":16,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/LendingPoint.png","name":"Lending Point","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e LendingPoint operates in 48 states and Washington, D.C., and is known to offer unsecured loans for those with credit scores as low as 590. Loan amounts range from $1,000 to $36,500, and APRs start at 9.99 percent and go as high as 35.99 percent. The repayment terms offered by LendingPoint vary from 24 to 60 months.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e LendingPoint provides application decisions in just a few seconds, and once the loan is approved, funds can be available as soon as the next business day.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e Depending on your state, you may pay an origination fee of as much as 6 percent with LendingPoint, which can be deducted from your loan proceeds. In addition, you must have a minimum annual income of $35,000 to qualify for a loan.\u003c/p\u003e","score":"4.4","url":"https://www.bankrate.com/loans/personal-loans/reviews/lendingpoint/"},"uuid":"81c52091-652b-4803-8c3d-a0669b3629ca","vertical":"personal"},"minimumCreditRequired":{"personal":600},"loanPurpose":"best","monetized":false,"productType":"rate","rank":13,"term":{"min":24,"max":72},"termsAndConditions":"\u003cp\u003e\u003cem\u003e* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates (\"APR\") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 7% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from \u003c/em\u003e\u003cstrong\u003e\u003cem\u003e24 to 72\u003c/em\u003e\u003c/strong\u003e\u003cem\u003e \u003c/em\u003e\u003cstrong\u003e\u003cem\u003emonths.\u003c/em\u003e\u003c/strong\u003e\u003cem\u003e\u0026nbsp;Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500.\u0026nbsp;For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.34% and origination fee of 7% will have a payment of $327.89 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount.\u0026nbsp;The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.\u003c/em\u003e\u003c/p\u003e"}],"enableAboveFoldv2":"1"},"__N_SSP":true},"page":"/personal-loans-rate-cards","query":{"annualIncome":"50000","cohesion":"false","creditScore":"639","loanAmount":"10000","loanPurpose":"best","sortBy":"rank","page":"/loans/personal-loans/bad-credit-loans/","enableAboveFoldv2":"1"},"buildId":"_TOcKJWP-Eh4lU1JL4HvX","assetPrefix":"https://www.bankrate.com/static/loans/rate-tables/rate-tables-next-1.268.0","isFallback":false,"isExperimentalCompile":false,"gssp":true,"scriptLoader":[]}</script></div> </div> <div id="why-bankrate" class="why-choose-bankrate lg:display-grid lg:grid-cols-2 gap-4 m-2"> <div class="w-full md:col-span-1 col-span-1 text-center lg:text-left lg:pr-6 mb-3 md:mb-0 ml-0 mt-10 md:mt-14"> <h2 class="type-heading-three font-bold mb-3"> Why choose Bankrate?</h2> <div class="text-slate"> <div class="wysiwyg display-block w-full"> <p>Backed by over 40 years of experience, our team at Bankrate strives to help you make the right decisions for any financial situation.</p></div> </div> </div> <div class="md:display-grid md:grid-cols-3 gap-4 md:mt-6 lg:mt-0"> <div class="w-full md:col-span-1 px-6 py-4 mt-4 md:mb-0 bg-blue-50 rounded-lg text-center md:text-left"> <svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false" class="mb-1 h-8 align-items-start"> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.1489 7.0377V8.47406H7.8423V6.97713C7.8423 4.71879 9.70262 2.88443 11.9956 2.88443C14.2885 2.88443 16.1489 4.74475 16.1489 7.0377ZM6.45787 6.97713V8.47406H6.23319C4.57188 8.47406 3.23071 9.82387 3.23071 11.4765V19.4975C3.23071 21.1589 4.58053 22.5 6.23319 22.5H17.7672V22.4914C19.4285 22.4914 20.7697 21.1242 20.7697 19.437V11.4765C20.7697 9.81522 19.4198 8.47406 17.7672 8.47406H17.5333V7.0377C17.5333 3.98331 15.05 1.5 11.9956 1.5C8.94119 1.5 6.45787 3.95735 6.45787 6.97713ZM6.22453 9.86714C5.33331 9.86714 4.60649 10.594 4.60649 11.4852V19.5062C4.60649 20.3974 5.33331 21.1242 6.22453 21.1242H17.7585C18.6671 21.1242 19.3766 20.3888 19.3766 19.4543V11.4938C19.3766 10.6026 18.6498 9.87579 17.7585 9.87579H6.22453V9.86714ZM11.3036 16.6681C11.3036 17.0488 11.6151 17.3603 11.9958 17.3603C12.3765 17.3603 12.688 17.0488 12.688 16.6681V14.306C12.688 13.9252 12.3765 13.6137 11.9958 13.6137C11.6151 13.6137 11.3036 13.9252 11.3036 14.306V16.6681Z" class="icon-base"></path> <title>Lock</title> </svg> <h3 class="text-lg type-heading-four font-bold mb-3"> Your security comes first</h3> <div class="text-slate text-sm"> <div class="wysiwyg display-block w-full"> <p>Bankrate protects your data from end to end, so you stay safe whether you're browsing articles or prequalifying for a loan.</p></div> </div> </div> <div class="w-full 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Ensure you meet the lender requirements so that you can secure a loan that is within your budget. </p></div> <div x-data="table({ containerId: '5455f63e-a033-4cdf-ba0d-cca08460c6c8', tableId: 'table-5455f63e-a033-4cdf-ba0d-cca08460c6c8', buttonId: 'button-5455f63e-a033-4cdf-ba0d-cca08460c6c8', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="5455f63e-a033-4cdf-ba0d-cca08460c6c8" class="table-container" tabindex="0"> <table id="table-5455f63e-a033-4cdf-ba0d-cca08460c6c8" class="Table table-content "> <thead> <tr> <th class="text-left"> LENDER</th> <th class="text-right"> BEST FOR</th> <th class="text-right"> EST. APR</th> <th class="text-right"> LOAN AMOUNT</th> <th class="text-right"> LOAN TERM</th> <th class="text-right"> MIN. CREDIT SCORE</th> </tr> </thead> <tbody> <tr id="2adab6c3-22bd-40ae-b1b4-310d4bc1d450" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/upstart/" target="_blank">Upstart</a></td> <td data-col="2" class="text-right"> Limited credit history</td> <td data-col="3" class="text-right"> 7.40%-35.99%</td> <td data-col="4" class="text-right"> $1,000-$50,000</td> <td data-col="5" class="text-right"> 3 - 5 years </td> <td data-col="6" class="text-right"> No Requirement</td> </tr> <tr id="7ebfccea-de1b-45e1-a916-eccb342b5aad" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/onemain-financial/" target="_blank">OneMain Financial</a></td> <td data-col="2" class="text-right"> Same-day bad credit funding </td> <td data-col="3" class="text-right"> 18.00%-35.99%</td> <td data-col="4" class="text-right"> $1,500-$20,000</td> <td data-col="5" class="text-right"> 2 - 5 years </td> <td data-col="6" class="text-right"> Not specified</td> </tr> <tr id="b93a40f8-1602-4067-a6f3-96545ef22a75" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/upgrade/" target="_blank">Upgrade</a></td> <td data-col="2" class="text-right"> Quick small loans </td> <td data-col="3" class="text-right"> 9.99%-35.99%</td> <td data-col="4" class="text-right"> $1,000-$50,000</td> <td data-col="5" class="text-right"> 2 - 7 years </td> <td data-col="6" class="text-right"> 580</td> </tr> <tr id="0a206d4a-cfdf-4488-a89d-7973f9fb4cae" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/best-egg/" target="_blank">Best Egg</a></td> <td data-col="2" class="text-right"> Unique secured loan options </td> <td data-col="3" class="text-right"> 6.99%-35.99%</td> <td data-col="4" class="text-right"> $2,000-$50,000</td> <td data-col="5" class="text-right"> 3 - 5 years </td> <td data-col="6" class="text-right"> 600</td> </tr> <tr id="a3ff80d2-3e11-46dd-8c0a-0ea80f41f6aa" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/avant/" target="_blank">Avant</a></td> <td data-col="2" class="text-right"> Lower credit scores </td> <td data-col="3" class="text-right"> 9.95%-35.99%</td> <td data-col="4" class="text-right"> $2,000-$35,000</td> <td data-col="5" class="text-right"> 2 - 5 years </td> <td data-col="6" class="text-right"> 550</td> </tr> <tr id="5cf80cf8-634c-46a5-a9be-3820eebe282f" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/personal-loans/reviews/lendingpoint/" target="_blank">LendingPoint</a></td> <td data-col="2" class="text-right"> Low minimum rate with many repayment terms</td> <td data-col="3" class="text-right"> 7.99%-35.99%</td> <td data-col="4" class="text-right"> $1,000-$36,500</td> <td data-col="5" class="text-right"> 2 - 6 years </td> <td data-col="6" class="text-right"> 600</td> </tr> </tbody> </table> <table id="header-fixed-5455f63e-a033-4cdf-ba0d-cca08460c6c8" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> </div> <div id="closer-look" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>A closer look at our top bad credit loan lenders</h2> <p>In the following section, we take a deep dive into lender details to help you decide which lender is best for your credit situation. We explain why each pick stands out against other bad credit lenders and how they compare to industry averages. When available, you’ll see unique proprietary data showing how other fast real Bankrate users received their funds from each company.</p></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3><strong>Upstart: Best for limited credit history</strong></h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Upstart.png?auto=webp&fit=&width=200&format=pjpg" alt="Upstart" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.8 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 71%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.8</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> Upstart is Bankrate's pick for overall best bad credit loan for a number of reasons. From its tight funding timeline to its exceptionally low minimum requirements, the lender stands out for credit-challenged borrowing across the board. One major reason it tops the best list is that Upstart doesn’t just look at your credit score. It factors in job history and educational background, which makes it possible for people with bad or no credit history to get approved.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/upstart/">Read Bankrate's Expert Upstart Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 7.40%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $1k– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 300</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-cac564db-bef1-477b-bf74-51cfbf371672"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with strong work histories and education but poor credit may benefit most from an Upstart loan. Upstart is also a good match for people who prefer access to customer service seven days a week.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with strong work histories and education but poor credit may benefit most from an Upstart loan. Upstart is also a good match for people who prefer access to customer service seven days a week.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012</li> <li>Online application</li> <li>Available in all 50 states</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Automated approval process</li> <li>Over 3 million customers </li> <li>Fast funding </li> <li>24/7 customer service</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012</li> <li>Online application</li> <li>Available in all 50 states</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Automated approval process</li> <li>Over 3 million customers </li> <li>Fast funding </li> <li>24/7 customer service</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-upstart-borrowersspan', 'heading-span-classtext-bankrate-insights-on-upstart-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on upstart borrowers " data-position="3" data-text=" Bankrate insights on Upstart borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Upstart borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upstart-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Upstart received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> <div class="ProprietaryChart__image md:mx-0 md:w-full w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-55911eb5-21ec-4a56-84d7-26148f202318" class="ProprietaryChart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Upstart received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-4 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007870"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Upstart</span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #808080"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Average of other lenders on Bankrate</span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t50ca6ad0-a3f0-4a8d-bd59-3dd4ac16d7b1" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t50ca6ad0-a3f0-4a8d-bd59-3dd4ac16d7b1" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-upstart-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upstart-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Upstart received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> <div class="ProprietaryChart__image md:mx-0 md:w-full w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-55911eb5-21ec-4a56-84d7-26148f202318" class="ProprietaryChart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Upstart received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-4 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007870"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Upstart</span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #808080"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Average of other lenders on Bankrate</span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t50ca6ad0-a3f0-4a8d-bd59-3dd4ac16d7b1" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t50ca6ad0-a3f0-4a8d-bd59-3dd4ac16d7b1" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>OneMain Financial: Best fast funding bad credit loans</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/OneMain Financial.png?auto=webp&fit=&width=200&format=pjpg" alt="OneMain" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 43%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.4</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview:</strong> OneMain Financial offers same-day funding to qualified borrowers — even as soon as one hour after closing. But double-digit minimum APRs make it one of the more expensive bad credit lenders.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/onemain-financial/">Read Bankrate's Expert OneMain Financial Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 18.00%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $1.5k– $20k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> <span>Not specified</span> </div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-cd54764e-128c-428b-a2ac-13b9f74e93fc"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with spotty credit who need funds for an emergency may have cash the same day they apply for a OneMain Financial loan. For same-day funding, you’ll have to opt to receive the money on a “bank-issued debit card.” Other methods may take longer — the typical Bankrate borrower waited several days for their funds. If you don’t qualify for an unsecured loan, OneMain also offers a secured personal loan option. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers with spotty credit who need funds for an emergency may have cash the same day they apply for a OneMain Financial loan. For same-day funding, you’ll have to opt to receive the money on a “bank-issued debit card.” Other methods may take longer — the typical Bankrate borrower waited several days for their funds. If you don’t qualify for an unsecured loan, OneMain also offers a secured personal loan option. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 1912</li> <li>Available in 44 states </li> <li>Online, in-person and phone applications</li> <li>Fast funding </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Prequalification</li> <li>Over 1,300 in-person branches</li> <li>Potential to change payment amount </li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 1912</li> <li>Available in 44 states </li> <li>Online, in-person and phone applications</li> <li>Fast funding </li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Prequalification</li> <li>Over 1,300 in-person branches</li> <li>Potential to change payment amount </li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-onemain-borrowersspan', 'heading-span-classtext-bankrate-insights-on-onemain-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-onemain-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-onemain-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on onemain borrowers " data-position="3" data-text=" Bankrate insights on OneMain borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on OneMain borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-onemain-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-onemain-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through OneMain received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> <div class="ProprietaryChart__image md:mx-0 md:w-full w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-a1a40b31-c13f-4d9e-8ee5-38cb63abde20" class="ProprietaryChart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through OneMain received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-4 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007870"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">OneMain</span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #808080"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Average of other lenders on Bankrate</span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t5e415cb9-2715-4b5a-8357-f227936751e5" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t5e415cb9-2715-4b5a-8357-f227936751e5" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-onemain-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-onemain-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through OneMain received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> <div class="ProprietaryChart__image md:mx-0 md:w-full w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-a1a40b31-c13f-4d9e-8ee5-38cb63abde20" class="ProprietaryChart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through OneMain received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-4 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007870"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">OneMain</span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #808080"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Average of other lenders on Bankrate</span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t5e415cb9-2715-4b5a-8357-f227936751e5" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t5e415cb9-2715-4b5a-8357-f227936751e5" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Upgrade: Best for quick small loans </h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Upgrade.png?auto=webp&fit=&width=200&format=pjpg" alt="Upgrade" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Upgrade is headquartered in San Francisco and has helped millions of customers access credit. It has a minimum score requirement of 600, and it's one of the two lenders out of all our featured best bad credit loans that offers loans as small as $1,000.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/upgrade/">Read Bankrate's Expert Upgrade Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 9.99%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $1k– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 580</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-05c6c7da-5b57-479b-874d-d30c07c75ca4"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>An Upgrade loan is best for borrowers with fair or bad credit who need a fairly low amount quickly for an emergency like a car repair or medical deductible that you don’t have the cash to cover right away. Qualified borrowers may have access to funds within just one business day of approval. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>An Upgrade loan is best for borrowers with fair or bad credit who need a fairly low amount quickly for an emergency like a car repair or medical deductible that you don’t have the cash to cover right away. Qualified borrowers may have access to funds within just one business day of approval. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2016</li> <li>Adjustable payment date</li> <li>Available in all 50 states</li> <li>Multiple rate discounts</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Prequalification offered</li> <li>Direct payment to creditors</li> <li>Customer service 7 days a week</li> <li>Secured and joint loan options</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2016</li> <li>Adjustable payment date</li> <li>Available in all 50 states</li> <li>Multiple rate discounts</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Prequalification offered</li> <li>Direct payment to creditors</li> <li>Customer service 7 days a week</li> <li>Secured and joint loan options</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan', 'heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on upgrade borrowers " data-position="3" data-text=" Bankrate insights on Upgrade borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Upgrade borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a funding speed breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-upgrade-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a funding speed breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Best Egg: Best for secured loans</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Best Egg.png?auto=webp&fit=&width=200&format=pjpg" alt="Best Egg" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.6</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Since its inception in 2014, Best Egg has funded over 1.1 million loans. Its loans have similar rates, amounts and terms as other bad credit lenders, but it offers personal loans that can be secured by your car or home fixtures.<strong><br></strong></p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/best-egg/">Read Bankrate's Expert Best Egg Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 6.99%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $2k– $50k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-41a44cd3-a3d0-45d5-8bf7-d56c7152f271"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Individuals with a bad credit score and a home or car may find lower secured loan rates and terms than with many other bad credit lenders. Once your score increases above 700, you may be able to get even lower rates if you earn $100,000 or more per year. Best Egg users on Bankrate also got their funds quicker than several other lenders we track.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Individuals with a bad credit score and a home or car may find lower secured loan rates and terms than with many other bad credit lenders. Once your score increases above 700, you may be able to get even lower rates if you earn $100,000 or more per year. Best Egg users on Bankrate also got their funds quicker than several other lenders we track.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2014 </li> <li>Available in 47 states</li> <li>Online application </li> <li>Flexible approval model</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Quick application and approval </li> <li>Secured loan option </li> <li>Financial health program </li> <li>Direct payment to creditors</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2014 </li> <li>Available in 47 states</li> <li>Online application </li> <li>Flexible approval model</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Quick application and approval </li> <li>Secured loan option </li> <li>Financial health program </li> <li>Direct payment to creditors</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan', 'heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on best egg borrowers " data-position="3" data-text=" Bankrate insights on Best Egg borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Best Egg borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Best Egg received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> <div class="ProprietaryChart__image md:mx-0 md:w-full w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-f1f5d446-52fa-45d4-a592-43455d6461bd" class="ProprietaryChart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Best Egg received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-4 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007870"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Best Egg</span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #808080"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Average of other lenders on Bankrate</span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="ta204a0e3-6791-45cc-b805-e1bb35c68d12" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="ta204a0e3-6791-45cc-b805-e1bb35c68d12" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-best-egg-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Best Egg received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> <div class="ProprietaryChart__image md:mx-0 md:w-full w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-f1f5d446-52fa-45d4-a592-43455d6461bd" class="ProprietaryChart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Best Egg received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-4 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007870"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Best Egg</span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #808080"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Average of other lenders on Bankrate</span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="ta204a0e3-6791-45cc-b805-e1bb35c68d12" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="ta204a0e3-6791-45cc-b805-e1bb35c68d12" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-" style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>Avant: Best for lower credit scores</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/avant.png?auto=webp&fit=&width=200&format=pjpg" alt="Avant" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Headquartered in Chicago, Avant has offered solutions to potential borrowers with less-than-perfect credit for over 10 years. Against the wider lending landscape, Avant offers shorter terms and requires a lower minimum credit score than average. </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/avant/">Read Bankrate's Expert Avant Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 9.95%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $2k– $35k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 550</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-04769ef3-481e-4723-8b93-a42b3b3c4a78"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers who have a score below the 600 minimum set by most Bankrate-reviewed bad credit lenders. The lender is also good for debt consolidation and home improvement loans up to $35,000.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers who have a score below the 600 minimum set by most Bankrate-reviewed bad credit lenders. The lender is also good for debt consolidation and home improvement loans up to $35,000.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012 </li> <li>Online application </li> <li>Available in 41 states </li> <li>Convenient mobile app</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Secured loan option </li> <li>Servicemember benefits</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012 </li> <li>Online application </li> <li>Available in 41 states </li> <li>Convenient mobile app</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Secured loan option </li> <li>Servicemember benefits</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-avant-borrowersspan', 'heading-span-classtext-bankrate-insights-on-avant-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-avant-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-avant-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on avant borrowers " data-position="3" data-text=" Bankrate insights on Avant borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on Avant borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-avant-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-avant-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Avant received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> <div class="ProprietaryChart__image md:mx-0 md:w-full w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-2b7c28f8-ff5b-44c6-a54b-a9e83dfe5ae0" class="ProprietaryChart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Avant received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-4 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007870"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Avant</span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #808080"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Average of other lenders on Bankrate</span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t670c6982-17c4-4c7c-8ad4-2f49d8c3a8b4" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t670c6982-17c4-4c7c-8ad4-2f49d8c3a8b4" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-avant-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-avant-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="display-block sm:display-none"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0 pt-6"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Avant received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> <div class="ProprietaryChart__image md:mx-0 md:w-full w-80 pos-relative flex-grow-0"> <div id="ProprietaryChart-2b7c28f8-ff5b-44c6-a54b-a9e83dfe5ae0" class="ProprietaryChart-anchor"></div> </div> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="display-none sm:display-block"> <div class="ProprietaryChart__description text-slate flex-direction-column text-slate gap-0"> <div class="wysiwyg display-block w-full"> <p>Here is how fast borrowers who took out loans through Avant received their money compared to other lenders on Bankrate.</p></div> </div> </div> <div class="ProprietaryChart__legend"> <ul class="display-flex gap-4 md:flex-direction-column flex-direction-row md:justify-content-center mx-auto mb-0 md:mx-0 flex-wrap"> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #007870"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Avant</span> </li> <li class="display-flex justify-content-between align-items-center"> <svg viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg" width="15px" height="15px"> <circle cx="5" cy="5" r="5" style="fill: #808080"/> </svg> <span class="font-circular-bold text-sm pl-2" style="color:black">Average of other lenders on Bankrate</span> </li> </ul> </div> </div> </div> <div class="border-t border-gray-200 mt-4 py-3"> <div class="flex-direction-row md:display-flex justify-content-space-between float-right md:float-none pb-6 md:pb-0"> <div> <span class="font-circular-book text-base">Data from</span> <span class="font-circular text-base">09/20/24 - 11/19/24</span> </div> <div> <span class="font-circular-book text-base">How do we get this data? <div id="t670c6982-17c4-4c7c-8ad4-2f49d8c3a8b4" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> We organize this view with funded loan data through this lender on Bankrate. This data dynamically updates within the outlined date range, ensuring you have access to the most recent, accurate Bankrate data on this lender.</div> </div> <div class="display-inline-block ml-1 cursor-pointer mt-2"> <div x-data data-tippy-maxWidth="none" data-template="t670c6982-17c4-4c7c-8ad4-2f49d8c3a8b4" role="tooltip" tabIndex="0" class="" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </span> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3>LendingPoint: Best for low minimum rate with many repayment terms</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/LendingPoint.png?auto=webp&fit=&width=200&format=pjpg" alt="Lending Point" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 43%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.4</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Georgia-based LendingPoint is a fintech company that uses AI to qualify more consumers than more traditional models. Its loans have a fairly limited amount range, but its low minimum APR and additional loan terms set it apart.<strong><br></strong></p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/personal-loans/reviews/lendingpoint/">Read Bankrate's Expert LendingPoint Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-black mr-4 font-circular-book flex-1">Est. APR</div> 7.99%–35.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Loan amount</div> <div> $1k– $37k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-black font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-2b289ed5-3831-41a9-9641-399ee38b88a4"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Those who want a repayment term as long as six years, and those who have time to improve their credit score before borrowing. It has one of the lowest minimum interest rates currently available for those with stronger credit.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Those who want a repayment term as long as six years, and those who have time to improve their credit score before borrowing. It has one of the lowest minimum interest rates currently available for those with stronger credit.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2014</li> <li>Online and phone applications</li> <li>Available in 48 states</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Financial hardship program</li> <li>Mobile app available</li> <li>Flexible repayment terms</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2014</li> <li>Online and phone applications</li> <li>Available in 48 states</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Financial hardship program</li> <li>Mobile app available</li> <li>Flexible repayment terms</li> </ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-bankrate-insights-on-lendingpoint-borrowersspan', 'heading-span-classtext-bankrate-insights-on-lendingpoint-borrowersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-bankrate-insights-on-lendingpoint-borrowersspan')" :aria-controls="$id('panel-span-classtext-bankrate-insights-on-lendingpoint-borrowersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bankrate insights on lendingpoint borrowers " data-position="3" data-text=" Bankrate insights on LendingPoint borrowers " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <svg width="32" height="32" class="mr-4 sm:mr-8 icon-highlight-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>User Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.867 9.703c0 2.093 1.134 3.935 2.841 4.986-2.797.385-4.953 2.707-4.953 5.507v.513c-.009.565-.018 1.156.081 1.748a.705.705 0 0 0 .647.582v.002h14.942v-.003l.038.001h-.006.01-.004a.71.71 0 0 0 .707-.582c.093-.55.084-1.092.075-1.627l-.002-.12v-.514c0-2.797-2.153-5.118-4.946-5.506 1.708-1.051 2.843-2.893 2.843-4.987 0-3.26-2.753-5.911-6.137-5.911-3.384 0-6.136 2.651-6.136 5.911Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M8.378 13.374C6.528 12.226 5.3 10.224 5.3 7.95 5.3 4.393 8.302 1.5 11.994 1.5s6.695 2.893 6.695 6.449c0 2.303-1.26 4.327-3.149 5.468a.853.853 0 0 1 .445.892c-.076.456-.504.676-.966.6a8.198 8.198 0 0 0-.625-.083H9.316c-2.609 0-4.725 2.04-4.725 4.552v.588c-.01.55-.02 1.13.059 1.632a.76.76 0 0 1-.65.872.774.774 0 0 1-.906-.626c-.108-.645-.098-1.29-.088-1.906v-.56c0-3.044 2.336-5.57 5.372-6.004ZM6.875 7.95c0-2.722 2.294-4.932 5.12-4.932 2.825 0 5.118 2.21 5.118 4.932 0 2.722-2.293 4.932-5.119 4.932-2.825 0-5.119-2.21-5.119-4.932Zm8.98 14.537a.86.86 0 0 1-.607-.267c-.194-.205-.194-.444-.194-.568 0-.027 0-.061.006-.088l.233-1.526-1.073-1.095a.844.844 0 0 1-.22-.575.84.84 0 0 1 .213-.568.599.599 0 0 1 .181-.137.477.477 0 0 1 .246-.11l1.442-.204.666-1.41a.548.548 0 0 1 .097-.144l.084-.089c.097-.102.272-.205.407-.205h.175c.045 0 .084 0 .123.014.349.089.537.253.588.5l.627 1.334 1.455.205a.725.725 0 0 1 .498.253.768.768 0 0 1 .188.65.808.808 0 0 1-.265.486l-1.042 1.102.272 1.519s.007.068.007.102c0 .452-.33.821-.731.821-.071 0-.272 0-.453-.13l-1.254-.684-1.332.746s-.052.027-.078.034a.901.901 0 0 1-.265.048l.007-.014Zm.208-3.188c.187.137.284.362.284.663 0 .028 0 .062-.006.09l-.175 1.135.976-.547c.2-.15.479-.164.725-.028l.963.527-.194-1.074s-.006-.068-.006-.103a.92.92 0 0 1 .239-.615l.75-.794-1.028-.144c-.188-.014-.434-.103-.595-.438l-.53-1.115-.498 1.054a.679.679 0 0 1-.62.506l-1.016.144.73.745v-.006Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bankrate insights on LendingPoint borrowers</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-bankrate-insights-on-lendingpoint-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-lendingpoint-borrowersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a funding speed breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-bankrate-insights-on-lendingpoint-borrowersspan')" :labelledBy="$id('heading-span-classtext-bankrate-insights-on-lendingpoint-borrowersspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-flex md:align-items-top flex-direction-column sm:flex-direction-row-reverse"> <div class="sm:w-1/3 md:w-2/4 display-flex flex-direction-column align-items-center md:flex-direction-row md:align-items-end"> </div> <div class="w-full sm:w-2/3 md:w-2/4"> <div class="ProprietaryChart__legend"> <div class="text-slate">We have not collected enough funded loan data for this lender recently to show a funding speed breakdown of their borrowers on Bankrate.</div> </div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> </div> <div id="what" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>What are bad credit loans?</h2> <p>If you have poor credit, it can be more difficult to find a lender willing to lend to you. A <a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-a-bad-credit-personal-loan/">bad credit personal loan</a> can solve that problem, as they are typically designed for borrowers who have a credit score at or below 600.</p> <p>Some lenders have a higher bar for what they consider “bad credit.” That may be because they specialize in loans for good or excellent credit borrowers or just prefer not to take the risk on borrowers with scores below a certain level. Make sure you know that minimum credit requirement before you apply. Some lenders may consider anything under 620 to be bad credit. </p> <p>The process of applying for a bad credit loan is much the same as any other personal loan. The only difference is that you’ll likely pay a higher APR and may be offered a smaller loan or shorter term than a good or excellent credit borrower.</p> <p>Bad credit loan funds can be used for a variety of different needs. </p> <ul> <li>Bad credit <a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/">debt consolidation loans</a> are often a popular choice to pay off a pile of high-interest credit cards.</li> <li><a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-to-get-an-emergency-loan-with-bad-credit/">Bad credit emergency loans</a><span style="font-size: 1em;"> are useful for funding urgent expenses, such as car repairs or medical procedures, without depleting your savings account.</span></li> </ul></div> <div class="vertical-spacer pt-" style="width: 100%; content: '';"></div> </div> <div id="average" class="SectionWithTocItem " > <div class="vertical-spacer pt-" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> </div> <div class="wysiwyg display-block w-full"> <h3>How the Federal Reserve impacts bad credit loan rates</h3> <p>The Federal Reserve sets the rate at which banks lend to each other. In <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/fed-interest-rate-decision-biggest-winners/" target="_blank" rel="noopener">November 2024</a>, the Fed announced a second rate cut — this time by 0.25 percent. Since personal loans are more short-term, they aren’t as affected by changes the Fed makes to rates, but there will likely be some movement.</p> <p>It’s likely the September and October decisions won’t be the only rate cuts for 2024 or 2025. According to Bankrate Chief Financial Analyst Greg McBride, this is just the start of several rate cuts predicted throughout the next year. However, if the economy shows signs of weakening, bad credit loan approval standards may get tougher. If credit card debt is hurting your scores, it may be worth it to look into a bad credit consolidation loan.</p></div> <div class="BannerCard Card Card--flat box-shadow-1 rounded-md pos-relative Card--imageLeft"> <div class="Card-imageContainer"> <img loading="lazy" class="Card-image" src="https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&optimize=high" srcset="https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&fit=crop&width=475&height=270 475w, https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&fit=crop&width=400&height=220 400w, https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&fit=crop&width=310&height=180 310w, https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&fit=crop&width=230&height=150 230w, https://www.bankrate.com/f/102997/912x513/e84bb50a48/central-personal-loan-rates-forecast.webp?auto=webp&fit=crop&width=80&height=70 80w" alt="Bankrate's image file"> </div> <div class="Card-body flex-direction-column sm:flex-direction-row align-items-center justify-content-space-between p-8"> <a href="https://www.bankrate.com/loans/personal-loans/personal-loan-rates-forecast/" class="text-black pos-absolute w-full h-full" aria-label="Personal Loan Interest Rate Forecast For 2024" style="left:0" > </a> <div class="w-full mb-8 sm:mb-0"> <span class="BannerCard-eyebrow type-heading-six text-blue uppercase display-block mb-3"> LEARN MORE ABOUT</span> <h3 class="BannerCard-title type-heading-four mt-0 mb-4"> Personal Loan Interest Rate Forecast For 2024 </h3> <div class="BannerCard-copy type-body-one text-slate"> <p>Average personal loan interest rates hover around 12 percent in early 2024.</p></div> </div> <div class="display-flex align-items-center flex-direction-row-reverse w-full sm:w-auto sm:flex-direction-row m-0"> <div class="flex-1"> <div class="Card-arrow"> <span class="Icon Icon--xs fill-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </div> </div> </div> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> </div> <div id="pros-cons" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>Pros and cons of bad credit personal loans </h2> <p>Personal loans for borrowers with bad credit can provide access to quick cash in an emergency or relief from high-interest rate credit card debt. However, there are disadvantages to consider before making a decision. Fully weigh the <a class="Link" href="https://www.bankrate.com/loans/personal-loans/pros-and-cons-of-bad-credit-loans/">pros and cons of bad credit loans</a> before taking one out.</p></div> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1514.2/next/img/svg/circle-check.svg" alt="Green circle with a checkmark inside"> </div> <h3 class="ProsAndConsItem-header"> Pros </h3> </div> <ul class="ProsAndConsItem-list"> <li>Save hundreds of dollars in interest compared to credit cards.</li> <li>Help boost your credit score if you pay off revolving debt like credit cards.</li> <li>Pay off revolving debt like credit cards</li> <li>Get funds within one business day</li> <li>Avoid putting your car or home at risk.</li> <li>Qualify more easily than with home equity loans</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1514.2/next/img/svg/remove-circle.svg" alt="Red circle with an X inside"> </div> <h3 class="ProsAndConsItem-header"> Cons </h3> </div> <ul class="ProsAndConsItem-list"> <li>Incur origination fees up to 12 percent of the loan amount</li> <li>Receive funds all at once instead of reusing credit </li> <li>May not qualify if you don’t have a steady income.</li> <li>Pay higher interest rates and costs than home equity loans.</li> <li>Receive shorter terms than home equity loans or cash-out refinances</li> </ul> </div> </div> <div class="vertical-spacer pt-" style="width: 100%; content: '';"></div> </div> <div id="types" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>Types of bad credit loans</h2> <div> <p>Personal loans aren't the only <a class="Link" href="https://www.bankrate.com/loans/personal-loans/types-of-bad-credit-loans-and-their-uses/">type of bad credit loans</a> available. Each serves a different purpose and caters to a specific financial need. </p> </div></div> <ul class="Accordion w-full border-0" data-cy="accordion-43cab8d9-c707-4263-877d-abeacfab59d5"> <li x-id="['panel-secured', 'heading-secured']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-secured')" :aria-controls="$id('panel-secured')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" no-credit-check personal loans " data-position="1" data-text=" No-credit-check personal loans " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> No-credit-check personal loans</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-secured')" :labelledBy="$id('heading-secured')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>These loans can be secured (backed by an asset) or unsecured (no asset required). As the name suggests, you don’t need a credit check to get approved. That said, they come with sky-high APRs and fees, and often need to be repaid within a few weeks. No-credit-check personal loans are also not legal in every state.</p> <p><strong>Who it’s best for</strong>: Borrowers in an emergency who don’t qualify for bad credit loans.</p> <p><strong>Bankrate expert take on no-credit-check personal loans:</strong></p> <p>"If you only qualify for no-credit-check financing, it may be time to get some <a class="Link" href="https://www.bankrate.com/personal-finance/debt/credit-counseling-services/">credit counseling</a> to learn credit repair options and avoid an expensive debt spiral that only worsens matters."</p> <p><strong>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-secured')" :labelledBy="$id('heading-secured')" role="region" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>These loans can be secured (backed by an asset) or unsecured (no asset required). As the name suggests, you don’t need a credit check to get approved. That said, they come with sky-high APRs and fees, and often need to be repaid within a few weeks. No-credit-check personal loans are also not legal in every state.</p> <p><strong>Who it’s best for</strong>: Borrowers in an emergency who don’t qualify for bad credit loans.</p> <p><strong>Bankrate expert take on no-credit-check personal loans:</strong></p> <p>"If you only qualify for no-credit-check financing, it may be time to get some <a class="Link" href="https://www.bankrate.com/personal-finance/debt/credit-counseling-services/">credit counseling</a> to learn credit repair options and avoid an expensive debt spiral that only worsens matters."</p> <p><strong>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> </noscript> </li> <li x-id="['panel-cash', 'heading-cash']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-cash')" :aria-controls="$id('panel-cash')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" cash advances " data-position="2" data-text=" Cash advances " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Cash advances</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-cash')" :labelledBy="$id('heading-cash')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>A cash advance is similar to a short-term loan your credit card issuer offers. The sum you receive is disbursed in cash and borrowed from your credit card's available balance. Cash advances tend to have a higher APR than ordinary credit card purchases.</p> <p><strong>Who it’s best for</strong>: Credit card users who have little or no balance and can pay the balance off quickly.</p> <p><strong>Bankrate expert take on cash advances:</strong></p> <p>"Credit card cash advances can tank your credit scores. That’s because the advance amount is added to your <a class="Link" href="https://www.bankrate.com/credit-cards/advice/credit-utilization-ratio/">credit utilization ratio</a>, significantly impacting your credit score. Consider adding a few hundred dollars to your emergency savings to avoid getting into a cycle of tapping your credit card for extra cash."</p> <p><strong>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-cash')" :labelledBy="$id('heading-cash')" role="region" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>A cash advance is similar to a short-term loan your credit card issuer offers. The sum you receive is disbursed in cash and borrowed from your credit card's available balance. Cash advances tend to have a higher APR than ordinary credit card purchases.</p> <p><strong>Who it’s best for</strong>: Credit card users who have little or no balance and can pay the balance off quickly.</p> <p><strong>Bankrate expert take on cash advances:</strong></p> <p>"Credit card cash advances can tank your credit scores. That’s because the advance amount is added to your <a class="Link" href="https://www.bankrate.com/credit-cards/advice/credit-utilization-ratio/">credit utilization ratio</a>, significantly impacting your credit score. Consider adding a few hundred dollars to your emergency savings to avoid getting into a cycle of tapping your credit card for extra cash."</p> <p><strong>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> </noscript> </li> <li x-id="['panel-payday', 'heading-payday']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-payday')" :aria-controls="$id('panel-payday')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" payday loans " data-position="3" data-text=" Payday loans " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Payday loans</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-payday')" :labelledBy="$id('heading-payday')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>These are short-term loans, typically for $500 or less. They charge fees that can drive the APR up above 600 percent. They’re a popular choice for fast cash and repayment is typically due by your next paycheck.</p> <p><strong>Who it’s best for</strong>: Consumers that need fast cash as a last resort to cover basic needs like utility bills or food for a family. </p> <p><strong>Bankrate expert take on payday loans:</strong></p> <p>"Many payday lenders prey on people in desperate circumstances or on young people who don’t understand the repayment terms. A CFPB study found that half of all online payday borrowers default. What’s worse, some payday loan contracts give the lenders the legal right to garnish wages or pursue criminal action if they aren’t paid off. If you’re in one of the <a class="Link" href="https://paydayloaninfo.org/state-information/#:~:text=Payday%20loan%20states%20include%3A%20Alabama,Washington%2C%20Wisconsin%2C%20and%20Wyoming." target="_blank" rel="noopener">twenty-nine states</a> that authorize high-cost payday lending, check the fine print." </p> <p><strong>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-payday')" :labelledBy="$id('heading-payday')" role="region" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>These are short-term loans, typically for $500 or less. They charge fees that can drive the APR up above 600 percent. They’re a popular choice for fast cash and repayment is typically due by your next paycheck.</p> <p><strong>Who it’s best for</strong>: Consumers that need fast cash as a last resort to cover basic needs like utility bills or food for a family. </p> <p><strong>Bankrate expert take on payday loans:</strong></p> <p>"Many payday lenders prey on people in desperate circumstances or on young people who don’t understand the repayment terms. A CFPB study found that half of all online payday borrowers default. What’s worse, some payday loan contracts give the lenders the legal right to garnish wages or pursue criminal action if they aren’t paid off. If you’re in one of the <a class="Link" href="https://paydayloaninfo.org/state-information/#:~:text=Payday%20loan%20states%20include%3A%20Alabama,Washington%2C%20Wisconsin%2C%20and%20Wyoming." target="_blank" rel="noopener">twenty-nine states</a> that authorize high-cost payday lending, check the fine print." </p> <p><strong>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> </noscript> </li> <li x-id="['panel-bank', 'heading-bank']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-bank')" :aria-controls="$id('panel-bank')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" bank agreements " data-position="4" data-text=" Bank agreements " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Bank agreements</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-bank')" :labelledBy="$id('heading-bank')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>Your bank’s policy may allow it to approve you for a short-term loan or minimal overdraft agreement. Of course, this depends on your banking history and ability to keep your account open. For more information, contact your bank and ask about your options.</p> <ul> <li><strong>Who it’s best for</strong>: Borrowers with good credit and a solid banking relationship. </li> </ul> <p><strong>Bankrate expert take on payday loans:</strong></p> <p>"Always check with your bank to see if they offer any bank agreements or small dollar loan options, especially if a payday loan is your only other alternative. Many large banks, community banks and credit unions are certified Community Development Financial Institutions (CDFIs) that participate in the Small Dollar Program. The small loan amount limits are typically capped at $500 and approval is based on activity in your checking or savings account at much lower rates than payday loans."</p> <p><strong> - </strong><a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/"><strong>Denny Ceizyk</strong></a><strong>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-bank')" :labelledBy="$id('heading-bank')" role="region" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>Your bank’s policy may allow it to approve you for a short-term loan or minimal overdraft agreement. Of course, this depends on your banking history and ability to keep your account open. For more information, contact your bank and ask about your options.</p> <ul> <li><strong>Who it’s best for</strong>: Borrowers with good credit and a solid banking relationship. </li> </ul> <p><strong>Bankrate expert take on payday loans:</strong></p> <p>"Always check with your bank to see if they offer any bank agreements or small dollar loan options, especially if a payday loan is your only other alternative. Many large banks, community banks and credit unions are certified Community Development Financial Institutions (CDFIs) that participate in the Small Dollar Program. The small loan amount limits are typically capped at $500 and approval is based on activity in your checking or savings account at much lower rates than payday loans."</p> <p><strong> - </strong><a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/"><strong>Denny Ceizyk</strong></a><strong>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> </noscript> </li> <li x-id="['panel-bank', 'heading-bank']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-bank')" :aria-controls="$id('panel-bank')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" car title loans " data-position="5" data-text=" Car title loans " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Car title loans</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-bank')" :labelledBy="$id('heading-bank')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>You must own your vehicle outright to take out a car title loan. Typically you can borrow 25 to 50 percent of your vehicle's value. The turnaround on these loans is short — usually just between 15 and 30 days.</p> <p><strong>Who it’s best for</strong>: Borrowers who fully own their car and don’t qualify for unsecured bad credit loans. </p> <p><strong>Bankrate expert take on car title loans:</strong></p> <p>"It's best to avoid loans secured by assets tied to basic needs. A car is necessary for transportation to buy groceries, take kids to school or get you to work. A title loan may give you quick cash, but it also puts you at risk of losing your transportation if you can’t repay it."</p> <p><strong>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-bank')" :labelledBy="$id('heading-bank')" role="region" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>You must own your vehicle outright to take out a car title loan. Typically you can borrow 25 to 50 percent of your vehicle's value. The turnaround on these loans is short — usually just between 15 and 30 days.</p> <p><strong>Who it’s best for</strong>: Borrowers who fully own their car and don’t qualify for unsecured bad credit loans. </p> <p><strong>Bankrate expert take on car title loans:</strong></p> <p>"It's best to avoid loans secured by assets tied to basic needs. A car is necessary for transportation to buy groceries, take kids to school or get you to work. A title loan may give you quick cash, but it also puts you at risk of losing your transportation if you can’t repay it."</p> <p><strong>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> </noscript> </li> <li x-id="['panel-helocs-or-home-equity-loans', 'heading-helocs-or-home-equity-loans']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-helocs-or-home-equity-loans')" :aria-controls="$id('panel-helocs-or-home-equity-loans')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" helocs or home equity loans " data-position="6" data-text=" HELOCs or home equity loans " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> HELOCs or home equity loans</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-helocs-or-home-equity-loans')" :labelledBy="$id('heading-helocs-or-home-equity-loans')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>Home equity loans disburse a lump sum of money upfront, which you pay back in fixed monthly installments. Home equity lines of credit (HELOCs) work like credit cards at first, allowing you to use, pay off and reuse the credit as needed. The lender bases the loan amounts on your home equity and uses your home as collateral. </p> <p><strong>Who it’s best for</strong>: Homeowners with excellent credit who don’t intend to sell their home in the near future.</p> <p><strong>Bankrate expert take on HELOCs or home equity loans:</strong></p> <p>"If you have bad credit and own a home, I’d advise against taking out a HELOC or home equity loan. The equity in your home could put a pile of cash in your pocket if you need to sell it in a financial emergency, giving you a cushion to cover expenses if you’re laid off or just need to downsize to save money. Plus, like a car title loan, you risk losing your home and your shelter if a lender <a class="Link" href="https://www.bankrate.com/mortgages/what-is-a-foreclosure/">forecloses</a> because you can’t make the payments." </p> <p><strong>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-helocs-or-home-equity-loans')" :labelledBy="$id('heading-helocs-or-home-equity-loans')" role="region" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-inline"> <p>Home equity loans disburse a lump sum of money upfront, which you pay back in fixed monthly installments. Home equity lines of credit (HELOCs) work like credit cards at first, allowing you to use, pay off and reuse the credit as needed. The lender bases the loan amounts on your home equity and uses your home as collateral. </p> <p><strong>Who it’s best for</strong>: Homeowners with excellent credit who don’t intend to sell their home in the near future.</p> <p><strong>Bankrate expert take on HELOCs or home equity loans:</strong></p> <p>"If you have bad credit and own a home, I’d advise against taking out a HELOC or home equity loan. The equity in your home could put a pile of cash in your pocket if you need to sell it in a financial emergency, giving you a cushion to cover expenses if you’re laid off or just need to downsize to save money. Plus, like a car title loan, you risk losing your home and your shelter if a lender <a class="Link" href="https://www.bankrate.com/mortgages/what-is-a-foreclosure/">forecloses</a> because you can’t make the payments." </p> <p><strong>- <a class="Link" href="https://www.bankrate.com/authors/denny-ceizyk/">Denny Ceizyk</a>, Bankrate Senior Loans Writer</strong></p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> </div> <div id="bad-credit" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How to get a personal loan with bad credit </h2> <p>You can get bad credit loans at the same places you would look for traditional loans, such as banks, credit unions and online lenders. There are five key steps to keep in mind when getting a loan with bad credit.</p> <p>For a more in-depth explanation as to why these steps are crucial and how to find the loan for your credit situation, visit our guide on how to <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-to-get-a-bad-credit-loan/">get a personal loan with bad credit</a>. </p> <h3>1. Check your credit score, income and other debts</h3> <p>Before beginning the process of applying for a personal loan, get familiar with <a class="Link" href="https://www.bankrate.com/personal-finance/credit/">your credit report</a> and your overall credit health. Most lenders use <a class="Link" href="https://www.bankrate.com/personal-finance/credit/what-is-a-fico-score/">the FICO</a> or VantageScore scoring models. Look for errors like unreported payments or credit card balances you’ve paid off. Dispute them at least 30 days before you plan to apply for the loan to give your report and credit score time to reflect the corrections. </p> <p>A stable income and a low debt-to-income ratio are also crucial to getting approved for a bad credit loan. A salaried or full-time hourly job gives you a better chance at approval than variable income from tips or self-employment. </p> <h3>2. Compare bad credit lenders</h3> <p>Community banks, credit unions and online lenders may offer bad credit loans. Keep a close eye on fees which may vary significantly between lenders. It’s smart to use a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/personal-loan-calculator/">personal loan calculator</a> to help you determine whether the new debt payment will fit into your monthly budget.</p> <p>Check into <a class="Link" href="https://www.bankrate.com/loans/personal-loans/what-is-a-secured-loan/">secured loans</a> if you don’t qualify for unsecured loans. They may be easier to get approved for, since they require collateral like a car or home. Just remember the bank could repossess your asset if you can’t pay the loan back. </p> <h3>3. Get prequalified</h3> <p>Prequalifying involves entering some basic information about yourself, including your name, address and income. You also authorize the lender to perform a “soft credit check,” which won’t harm your credit score. Based on the information you provide, the lender will present a list of loan offers that you might qualify for. </p> <p>At this point, add a co-signer if necessary. This is a close family member or friend who agrees to sign onto the loan with you. Co-signers, if creditworthy enough, can help you get a better rate, a higher loan amount or improve your approval odds. </p> <h3>4. Be prepared for a hard credit check</h3> <p>When you apply for a loan, the lender initiates a hard credit check — also called a hard pull. These <a class="Link" href="https://www.bankrate.com/credit-cards/advice/how-credit-inquiries-affect-credit-score/">credit inquiries affect your credit score</a> by temporarily decreasing it by up to 10 points. If you apply for multiple loans outside of a two week period, it may result in additional hard credit checks.</p> <h3>5. Get your funds</h3> <p>Once you have a finalized offer from the lender, review the loan agreement in full. The time to receive your funds after signing will vary based on the <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-to-choose-the-best-bad-credit-loan-company/">lender you choose</a>, but can take as little as one business day. You’ll need a valid bank account for the lender to deposit your funds into.</p></div> <div class="Callout display-flex flex-direction-column gap-y-6 border-4 border-solid border-blue-light rounded-lg py-8 px-6 md:px-10 mt-8 mb-16"> <h3 class="type-heading-three my-0 text-crop-none text-blue-mid"> Financial wellness check </h3> <div class="Callout-content text-black text-left wysiwyg m-0"> Before you take out a new loan with bad credit, take a broader look at your financial situation. If you’re having trouble paying bills, maybe it’s time to check your monthly spending, see if you can get better deals on auto insurance or pick up a side hustle to earn a few hundred extra dollars each week. A bad credit score may be a warning sign that it’s time to see a credit counselor for advice about improving your money habits.</div> </div> </div> <div id="where-to" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>Where to get a personal loan with bad credit</h2> <p><a class="Link" href="https://www.bankrate.com/loans/personal-loans/where-to-get-bad-credit-loans/">Place that offer bad credit loans</a> include credit unions, community banks and online lenders. Always compare at least three different offers to make sure you’re getting the best loan terms for your situation.</p> <ul> <li><strong>Online lenders: </strong>You’ll generally find the most competitive terms for low or bad credit with online lenders. They may work with investors willing to take bigger risks on low credit score borrowers than banks and credit unions.</li> <li><strong>Banks:</strong> If you’ve been a customer at your bank for several years, they may offer personal loans for bad credit. Some banks may participate in no-credit-check small loan programs. The guidelines and requirements vary depending on where you live.</li> <li><strong>Credit unions: </strong>Check the member benefits to see if your local credit union offers bad credit loans. They also offer payday alternative loans, so check with your local representative before you apply for a payday loan. </li> </ul></div> <div class="AskTheExperts border-grey border-1 rounded-lg bg-gray-light gap-4 p-8" x-data="{ author_id_active: '1130' }"> <h3 class="type-heading-three w-full mb-4"> Ask the experts: If I get a bad credit personal loan, can I refinance it later?</h3> <ul class="AskTheExperts-panel -m-2" role="list"> <li class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-1" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '1130'" role="button" aria-label="Author name Mark Kantrowitz"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Mark Kantrowitz</p> </button> </li> <li class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-2" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '1486'" role="button" aria-label="Author name Denny Ceizyk"> <img srcset="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Denny Ceizyk</p> </button> </li> </ul> <hr class="w-full border-grey border-1 mx-0 my-2"> <div class="AskTheExperts-details" role="tabpanel"> <div x-show="author_id_active == '1130'" aria-labelledby="AskTheExperts-tab-1" role="tabpanel" style=""> <div class="AskTheExperts-detailsItem"> <a class="AskTheExperts-detailsAuthor no-underline" href="https://www.bankrate.com/authors/mark-kantrowitz/"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Mark Kantrowitz</p> <p class="text-slate m-0">Nationally recognized student financial aid expert</p> </div> </a> <div class="w-full mt-4 border-grey border-1 rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "You may be able to refinance a bad credit personal loan, depending on your specific circumstances. You might qualify for a new loan at a lower interest rate if your credit score has improved or prevailing interest rates have decreased. If your income has increased or you’ve paid down other debt, your debt-to-income ratio may have decreased, making you more attractive to potential lenders. Adding a cosigner with very good or excellent credit can help you qualify for a lower interest rate. Lender criteria may vary, so it pays to shop around."</p> </div> </div> </div> <div x-show="author_id_active == '1486'" aria-labelledby="AskTheExperts-tab-2" role="tabpanel" style="display: none;"> <div class="AskTheExperts-detailsItem"> <a class="AskTheExperts-detailsAuthor no-underline" href="https://www.bankrate.com/authors/denny-ceizyk/"> <img srcset="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/04123324/denny-new-photo-300x300-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Denny Ceizyk</p> <p class="text-slate m-0">Senior writer, Loans</p> </div> </a> <div class="w-full mt-4 border-grey border-1 rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "It may be worth it to refinance a bad credit personal loan if your scores have improved enough to get a much lower rate. First, determine if your lender charges a penalty for paying the loan off early. If they do, a refinance may not make financial sense because the prepayment penalty costs will eat into your refinance savings. Second, if the lender charges fees for your refinance, calculate your refinance breakeven point. For example, if a refinance will save you $50 per month but costs you $1,000, it will take you 20 months to recoup the refinance costs. Refinancing makes sense if you plan to keep the loan for more than 20 months. Finally, avoid extending your term if possible. An example of this would be if you have three years left on a five-year personal loan term, try to refinance to a new loan with a three-year term, so you don’t start the five-year payoff clock again."</p> </div> </div> </div> </div> </div> </div> <div id="alternatives" class="SectionWithTocItem " > <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h2>Alternatives to bad credit loans</h2> <p>Bad credit loans carry a reputation for high interest rates which can lead to long-term financial damage. Before committing to a loan you're not positive you can manage, <a class="Link" href="https://www.bankrate.com/loans/personal-loans/alternatives-to-bad-credit-loans/">consider the alternatives</a>.</p></div> <div class="vertical-spacer pt-" style="width: 100%; content: '';"></div> <ul class="Accordion w-full" data-cy="accordion-0b6cc68e-ad17-4db5-9735-c5bd7cc8a8f3"> <li x-id="['panel-split-up-big-purchases', 'heading-split-up-big-purchases']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-split-up-big-purchases')" :aria-controls="$id('panel-split-up-big-purchases')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" split up big purchases " data-position="1" data-text=" Split up big purchases " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Split up big purchases</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-split-up-big-purchases')" :labelledBy="$id('heading-split-up-big-purchases')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You may be able to avoid going into more debt by getting a payment plan with the retailer or service provider you're working with. Check buy now, pay later options as well. A conversation and some planning may be all you need to avoid a bad credit loan.</p> <div><span id="docs-internal-guid-48f37d48-7fff-c3c9-ddb3-12e76df24c8e"></span></div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-split-up-big-purchases')" :labelledBy="$id('heading-split-up-big-purchases')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You may be able to avoid going into more debt by getting a payment plan with the retailer or service provider you're working with. Check buy now, pay later options as well. A conversation and some planning may be all you need to avoid a bad credit loan.</p> <div><span id="docs-internal-guid-48f37d48-7fff-c3c9-ddb3-12e76df24c8e"></span></div></div> </div> </div> </noscript> </li> <li x-id="['panel-get-a-secured-credit-card', 'heading-get-a-secured-credit-card']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-get-a-secured-credit-card')" :aria-controls="$id('panel-get-a-secured-credit-card')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" get a secured credit card " data-position="2" data-text=" Get a secured credit card " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Get a secured credit card</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-get-a-secured-credit-card')" :labelledBy="$id('heading-get-a-secured-credit-card')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A <a class="Link" href="https://www.bankrate.com/credit-cards/building-credit/best-secured-cards/">secured credit card</a> may be viable if you have a few hundred extra dollars and can qualify for one. And if you use and pay down most of your balance quickly, your score may improve enough to avoid bad credit loan terms in the future. Just be careful not to get into a cycle of spending more than you can afford to pay off in a month or two.</p> <div><span id="docs-internal-guid-48f37d48-7fff-c3c9-ddb3-12e76df24c8e"></span></div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-get-a-secured-credit-card')" :labelledBy="$id('heading-get-a-secured-credit-card')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A <a class="Link" href="https://www.bankrate.com/credit-cards/building-credit/best-secured-cards/">secured credit card</a> may be viable if you have a few hundred extra dollars and can qualify for one. And if you use and pay down most of your balance quickly, your score may improve enough to avoid bad credit loan terms in the future. Just be careful not to get into a cycle of spending more than you can afford to pay off in a month or two.</p> <div><span id="docs-internal-guid-48f37d48-7fff-c3c9-ddb3-12e76df24c8e"></span></div></div> </div> </div> </noscript> </li> <li x-id="['panel-use-a-payment-plan', 'heading-use-a-payment-plan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-use-a-payment-plan')" :aria-controls="$id('panel-use-a-payment-plan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" use a payment plan " data-position="3" data-text=" Use a payment plan " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Use a payment plan </span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-use-a-payment-plan')" :labelledBy="$id('heading-use-a-payment-plan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>When it comes to unexpected bills or expenses — especially medical bills — it could be worth seeing if an interest-free or low-interest payment plan is offered. This will make paying the expense more manageable and save you thousands in interest accrual. </p> <div><span id="docs-internal-guid-48f37d48-7fff-c3c9-ddb3-12e76df24c8e"></span></div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-use-a-payment-plan')" :labelledBy="$id('heading-use-a-payment-plan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>When it comes to unexpected bills or expenses — especially medical bills — it could be worth seeing if an interest-free or low-interest payment plan is offered. This will make paying the expense more manageable and save you thousands in interest accrual. </p> <div><span id="docs-internal-guid-48f37d48-7fff-c3c9-ddb3-12e76df24c8e"></span></div></div> </div> </div> </noscript> </li> <li x-id="['panel-borrow-money-from-family-or-friends', 'heading-borrow-money-from-family-or-friends']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-borrow-money-from-family-or-friends')" :aria-controls="$id('panel-borrow-money-from-family-or-friends')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" borrow money from family or friends " data-position="4" data-text=" Borrow money from family or friends " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Borrow money from family or friends</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-borrow-money-from-family-or-friends')" :labelledBy="$id('heading-borrow-money-from-family-or-friends')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p dir="ltr">It's not an easy option, but you may be able to get support from those around you. To keep your relationship healthy, work with your loved one to create a plan to pay back the amount and stick to it.</p> <div><span id="docs-internal-guid-48f37d48-7fff-c3c9-ddb3-12e76df24c8e"></span></div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-borrow-money-from-family-or-friends')" :labelledBy="$id('heading-borrow-money-from-family-or-friends')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p dir="ltr">It's not an easy option, but you may be able to get support from those around you. To keep your relationship healthy, work with your loved one to create a plan to pay back the amount and stick to it.</p> <div><span id="docs-internal-guid-48f37d48-7fff-c3c9-ddb3-12e76df24c8e"></span></div></div> </div> </div> </noscript> </li> </ul> </div> <div id="expert" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>How to spot bad credit loan scams</h2> <p>Avoid potential scams while shopping lenders by being aware of these eight <a class="Link" href="https://www.bankrate.com/loans/personal-loans/personal-loan-scam-signs">signs of a personal loan scam</a>.</p> <ol> <li><strong>The lender guarantees approval: </strong>If you come across a lender that doesn’t ask about your payment history before assuring you that you'll be approved, you might be dealing with a <a class="Link" href="https://www.bankrate.com/mortgages/predatory-lending-what-it-is-and-how-to-avoid-it/">predatory lender</a>.</li> <li><strong>The lender charges upfront fees:</strong> Reputable lenders don’t ask for any money to approve you or give you funds. Most deduct fees from the amount funded and provide easy-to-understand written disclosures that give you all the details about the loan you’re taking out.</li> <li><strong>The lender pressures you to act immediately:</strong> If a lender claims it can press charges if you don't accept or claims that the offer expires within the same day, it’s a scam.</li> <li><strong>The lender gives you unsolicited offers: </strong>Unsolicited loan offers via email, phone calls, and door-to-door solicitation are not legitimate advertising practices of trustworthy lenders.</li> <li><strong>The lender doesn't have clear contact information:</strong> If it's difficult to find the lender’s contact information or you receive emails and texts with clickable links or strange email addresses, it’s a red flag for a scammer.</li> <li><strong>The lender has no physical address: </strong>Although online lenders exist, all reputable institutions should have a physical address listed as its headquarters on the website. </li> <li><strong>The lender isn't registered in your state: </strong>The Federal Trade Commission (FTC) requires that lenders be registered in the state where they do business. Research whether the business is licensed in your state.</li> <li><strong>The website is not secure: </strong>A lender's site should be secure, meaning the website address should begin with "https" and feature a padlock symbol on any page where you're asked for personal information.</li> </ol></div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h3 class="mt-0 mb-4 max-w text-center sm:text-left"> Bankrate insight </h3> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full"> <p>If you get involved in a bad credit loan scam, dispute the charge with your bank or credit card issuer, change your passwords, monitor your accounts and report the scam <a class="Link" href="https://reportfraud.ftc.gov/" target="_blank" rel="noopener">to the FTC</a>.</p></div> </div> </div> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="vertical-spacer pt-" style="width: 100%; content: '';"></div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> </div> <div id="faq" class="SectionWithTocItem " > <div class="vertical-spacer pt-6" style="width: 100%; content: '';"></div> <div class="wysiwyg display-inline"> <h2 id="faqs">FAQs about bad credit loans</h2></div> <ul class="Accordion w-full" data-cy="accordion-72669fd1-cb65-405f-a205-e041e8fb6f69"> <li x-id="['panel-how-much-money-can-i-borrow-with-bad-credit', 'heading-how-much-money-can-i-borrow-with-bad-credit']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-much-money-can-i-borrow-with-bad-credit')" :aria-controls="$id('panel-how-much-money-can-i-borrow-with-bad-credit')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" how much money can i borrow with bad credit? " data-position="1" data-text=" How much money can I borrow with bad credit? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How much money can I borrow with bad credit?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-much-money-can-i-borrow-with-bad-credit')" :labelledBy="$id('heading-how-much-money-can-i-borrow-with-bad-credit')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <div class="type-body-one text-base text-base"> <p>Bad credit personal loan amounts typically range from $1,000 to $50,000. However, <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-much-you-can-borrow-with-bad-credit/">how much you can borrow</a> will depend on the lender you choose, what kind of bad credit loan you qualify for and if the lender considers other factors beyond credit.</p> </div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-much-money-can-i-borrow-with-bad-credit')" :labelledBy="$id('heading-how-much-money-can-i-borrow-with-bad-credit')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <div class="type-body-one text-base text-base"> <p>Bad credit personal loan amounts typically range from $1,000 to $50,000. However, <a class="Link" href="https://www.bankrate.com/loans/personal-loans/how-much-you-can-borrow-with-bad-credit/">how much you can borrow</a> will depend on the lender you choose, what kind of bad credit loan you qualify for and if the lender considers other factors beyond credit.</p> </div></div> </div> </div> </noscript> </li> <li x-id="['panel-how-do-i-improve-my-credit-to-get-a-better-loan', 'heading-how-do-i-improve-my-credit-to-get-a-better-loan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-do-i-improve-my-credit-to-get-a-better-loan')" :aria-controls="$id('panel-how-do-i-improve-my-credit-to-get-a-better-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" how do i improve my credit to get a better loan? " data-position="2" data-text=" How do I improve my credit to get a better loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How do I improve my credit to get a better loan?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-do-i-improve-my-credit-to-get-a-better-loan')" :labelledBy="$id('heading-how-do-i-improve-my-credit-to-get-a-better-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <div class="type-body-one text-base"> <p>The best way to get a more favorable APR or be approved by more lenders is to <a class="Link" href="https://www.bankrate.com/personal-finance/credit/how-to-build-credit/">raise your credit score</a>. You can show you are responsible with credit by making payments on time and keeping your credit card balances low.</p> </div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-do-i-improve-my-credit-to-get-a-better-loan')" :labelledBy="$id('heading-how-do-i-improve-my-credit-to-get-a-better-loan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <div class="type-body-one text-base"> <p>The best way to get a more favorable APR or be approved by more lenders is to <a class="Link" href="https://www.bankrate.com/personal-finance/credit/how-to-build-credit/">raise your credit score</a>. You can show you are responsible with credit by making payments on time and keeping your credit card balances low.</p> </div></div> </div> </div> </noscript> </li> <li x-id="['panel-can-i-get-a-loan-with-no-credit-check', 'heading-can-i-get-a-loan-with-no-credit-check']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-can-i-get-a-loan-with-no-credit-check')" :aria-controls="$id('panel-can-i-get-a-loan-with-no-credit-check')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" can i get a loan with no credit check? " data-position="3" data-text=" Can I get a loan with no credit check? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Can I get a loan with no credit check?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-can-i-get-a-loan-with-no-credit-check')" :labelledBy="$id('heading-can-i-get-a-loan-with-no-credit-check')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>It is possible to get a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/no-credit-check-loans/">no-credit-check loan</a>. However, many are predatory or have incredibly high interest rates and fees. You'll likely find better loan terms and rates if you search for lenders that accept borrowers with bad credit instead.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-can-i-get-a-loan-with-no-credit-check')" :labelledBy="$id('heading-can-i-get-a-loan-with-no-credit-check')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>It is possible to get a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/no-credit-check-loans/">no-credit-check loan</a>. However, many are predatory or have incredibly high interest rates and fees. You'll likely find better loan terms and rates if you search for lenders that accept borrowers with bad credit instead.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-can-you-get-multiple-bad-credit-loansspan', 'heading-span-classtext-can-you-get-multiple-bad-credit-loansspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-can-you-get-multiple-bad-credit-loansspan')" :aria-controls="$id('panel-span-classtext-can-you-get-multiple-bad-credit-loansspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" can you get multiple bad credit loans? " data-position="4" data-text=" Can you get multiple bad credit loans? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Can you get multiple bad credit loans?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-can-you-get-multiple-bad-credit-loansspan')" :labelledBy="$id('heading-span-classtext-can-you-get-multiple-bad-credit-loansspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Although you can take out <a class="Link" href="https://www.bankrate.com/loans/personal-loans/can-i-take-out-multiple-bad-credit-loans/">multiple bad credit loans</a>, it’s best to avoid doing so, as it can result in a cycle of debt that's difficult to break out of. If you find you’re relying on bad credit personal loans to consolidate debt, it may be time to seek financial counseling.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-can-you-get-multiple-bad-credit-loansspan')" :labelledBy="$id('heading-span-classtext-can-you-get-multiple-bad-credit-loansspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Although you can take out <a class="Link" href="https://www.bankrate.com/loans/personal-loans/can-i-take-out-multiple-bad-credit-loans/">multiple bad credit loans</a>, it’s best to avoid doing so, as it can result in a cycle of debt that's difficult to break out of. If you find you’re relying on bad credit personal loans to consolidate debt, it may be time to seek financial counseling.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <button id="back-to-top" class="BackToTop" type="button" data-beam-element-clicked-no-delay id="" data-type="Arrow" data-location="jump to top component" data-name="" data-position="jump to top component" data-text="" data-outcome="Jump to top" > <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Up Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M5.31 11.21c-.19-.2-.29-.45-.29-.71H5c0-.25.09-.5.29-.7l6-6.01c.19-.18.44-.29.71-.29.27 0 .52.1.71.29l6 6.01a.996.996 0 1 1-1.41 1.41L13 6.91V19.5c0 .55-.45 1-1 1s-1-.45-1-1V6.92l-4.28 4.29a.996.996 0 0 1-1.41 0Z" class="icon-base"/></svg></button> </div> <div id="methodology" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How we chose our best bad credit loan lenders</h2></div> <div class="MethodologyDetails w-full display-flex flex-direction-column rounded-lg box-shadow-2"> <div class="MethodologyDetails-heading display-flex flex-direction-column gap-y-2 sm:flex-direction-row sm:gap-x-2 justify-content-space-between mx-6 my-4"> <div class="display-flex flex-direction-column sm:flex-direction-row"> <span class="h-7 sm:h-6" aria-hidden="true"> <svg width="24" height="24" class="mr-0 mb-1 sm:mr-4 sm:mb-0 display-inline" width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Bankrate logo</title> <rect width="32" height="32" rx="4" fill="#0157FF" /> <path fill="#ffffff" fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" /> </svg></span> <h3 class="type-body-one text-crop-none p-0 m-0"> Bankrate's trusted personal loans industry expertise </h3> </div> <div class="SimpleLink"> <a class="Link Link--standalone text-base" href="https://www.bankrate.com/loans/personal-loans/lender-review-methodology/" > Read our full methodology</a> </div></div> <hr class="border-gray-light border-solid border-b-2 m-0 p-0" aria-hidden="true"> <div class="display-flex flex-direction-column gap-y-6 mx-6 mt-4 mb-6"> <p class="m-0 p-0 text-slate"> </p> <div class="MethodologyDetails-categories display-flex p-4 sm:py-4 sm:px-16 justify-content-space-between align-items-flex-start align-content-flex-start gap-x-2 gap-y-8 align-self-stretch flex-wrap sm:flex-nowrap"> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">48</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">years in business</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">45</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">lenders reviewed</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">20</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">loan features weighed</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">900</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">data points collected</p> </div> </div> </div> </div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <p>To select the best personal loans, Bankrate’s team of experts evaluated over 40 lenders. Each lender was ranked using a meticulous 20-point system, focusing on <a class="Link" href="https://www.bankrate.com/loans/personal-loans/lender-review-methodology/">four main categories</a>:</p></div> <ul class="Accordion w-full" data-cy="accordion-65bee588-486f-4c03-a695-89ed5eb941a4"> <li x-id="['panel-affordability', 'heading-affordability']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-affordability')" :aria-controls="$id('panel-affordability')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" affordability " data-position="1" data-text=" Affordability " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Affordability</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-affordability')" :labelledBy="$id('heading-affordability')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The interest rates, penalties and fees are measured in this section of the score. Lower rates and fees and fewer potential penalties result in a higher score. We also give bonus points to lenders offering rate discounts, grace periods and that allow borrowers to change their due date. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-affordability')" :labelledBy="$id('heading-affordability')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The interest rates, penalties and fees are measured in this section of the score. Lower rates and fees and fewer potential penalties result in a higher score. We also give bonus points to lenders offering rate discounts, grace periods and that allow borrowers to change their due date. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-availability', 'heading-availability']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-availability')" :aria-controls="$id('panel-availability')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" availability " data-position="2" data-text=" Availability " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Availability</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-availability')" :labelledBy="$id('heading-availability')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Minimum loan amounts, number of repayment terms, eligibility requirements, ability to apply using a co-borrower or co-signer and loan turnaround time are considered in this category.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-availability')" :labelledBy="$id('heading-availability')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Minimum loan amounts, number of repayment terms, eligibility requirements, ability to apply using a co-borrower or co-signer and loan turnaround time are considered in this category.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-customer-experience', 'heading-customer-experience']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-customer-experience')" :aria-controls="$id('panel-customer-experience')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" customer experience " data-position="3" data-text=" Customer experience " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Customer experience</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-customer-experience')" :labelledBy="$id('heading-customer-experience')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>This category covers customer service hours, if online applications are available, online account access and mobile apps.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-customer-experience')" :labelledBy="$id('heading-customer-experience')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>This category covers customer service hours, if online applications are available, online account access and mobile apps.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-transparency', 'heading-transparency']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-transparency')" :aria-controls="$id('panel-transparency')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" transparency " data-position="4" data-text=" Transparency " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Transparency</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-transparency')" :labelledBy="$id('heading-transparency')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>For this factor, we consider how well information is presented to the borrower on the lender’s website. This includes listing credit requirements, rates and fees, in addition to offering prequalification.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-transparency')" :labelledBy="$id('heading-transparency')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>For this factor, we consider how well information is presented to the borrower on the lender’s website. This includes listing credit requirements, rates and fees, in addition to offering prequalification.</p></div> </div> </div> </noscript> </li> </ul> </div></div> </div> </div> </div> </div> </main> </div> <footer data-swiftype-index="false"class="global-footer"> <div class="global-footer__container"> <h2 class="global-footer__logo-container"> <a href="https://www.bankrate.com/"> <span class="global-footer__logo-text">Bankrate logo</span> <svg width="120" height="24" width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.19v-7.44h9.91v52.81zm.19-26.31c0-10.29-7.44-18.85-18.41-18.85-9.91 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.58 18.58 0 0 0 18.41-18.62z"/> <path d="m155.19 78.16v-28.78c0-11.16-4.38-16.4-13.16-16.4s-13.92 6.39-13.92 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// Handles assets if they are deployed via multiple rules const multipleRules = Object.values(assets); // If multiple rules are detected if (multipleRules.length) { const formattedAssets = formatDictionary(multipleRules); assetDictionary = { ...assetDictionary, ...formattedAssets }; } // If single rule with one or many assets if (assets.length) { const formattedAssets = formatDictionary(assets); assetDictionary = { ...assetDictionary, ...formattedAssets }; } return assetDictionary; }; if (assets.length === 0) { return; } // Checks if we're on a page that contains the Wealth Rate Table if (typeof window.setMonarchAssets === 'function') { // Invokes method that will trigger a Wealth Rate Table state update window.setMonarchAssets(formatWealthAssets(assets)); } if (!window.jo) { // Initialize jo object on the window window.jo = {}; // Store Monarch assets within jo object window.jo.monarchAssets = []; // Create a method to push Monarch assets to monarchAssets array window.jo.storeMonarchMetadata = function storeMonarchMetadata(asset) { window.jo.monarchAssets.push(asset); 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