How Borrowers Are Getting Approved for Personal Loans — Even With Bad Credit
$100 to $20,000 from a network of vetted lenders. Quick approval, a 2-minute form, and checking your rate won’t hurt your credit score.
Unexpected bills don’t wait for payday. One minute you’re on top of your budget, and the next you’re staring at a repair quote, medical bill, or overdue balance you didn’t plan for.
The average credit card now charges over 21% APR, and a $5,000 balance paid at the minimum can cost more than $7,000 before it’s cleared.
The good news? A fixed-rate personal loan can replace those revolving balances with one predictable monthly payment, and many lenders now approve borrowers with fair or poor credit.
We’ve reviewed the top personal loan networks to help you find the largest amount at the lowest rate you qualify for.
See What You Could Borrow Today
One short form checks a network of lenders at once — $100 to $20,000, with a soft credit check that won’t affect your score.
Check Available Loan Options →Advertiser disclosure: we may earn a commission if you submit a request through our partner links. This never changes what you pay.
Trusted lending partners used by thousands of borrowers
- Viva Payday Loans Fast online process
- Credit Clock Bad credit options
- BorrowMoney.us Wide lender network
- 50kLoans.com Larger loan requests
Loan availability, approval, rates, and terms are determined by each lender or lending partner.
Select how much you need to get a free personal loan quote:
Submit before the cut-off and you could have funds in your account as soon as first thing tomorrow.
- $100 – $500Cover a small bill until payday
- $500 – $1,000Car repairs, vet bills, emergencies
- $1,000 – $2,500Consolidate a credit card balance
- $2,500 – $5,000Home repairs or medical costs
- $5,000 – $20,000Larger projects and debt payoff
- Not sure yetSee what you could qualify for first
Checking your rate won’t affect your credit score.
How To Get The Best Rate
With hundreds of lenders advertising “instant approval,” finding the right loan at the right rate can feel overwhelming — and applying to each one individually can damage your credit.
Luckily, our partners have already done the heavy lifting, narrowing the market down to the top lending networks so you don’t have to.
Fill out one quick form and get matched with the lenders most likely to approve you, then compare real offers side by side in minutes. Each section below connects you with the loan offer that best matches your needs.
Select what you need the money for:
- Debt Consolidation
- Credit Card Refinance
- Emergency Expense
- Car Repair
- Medical Bills
- Home Improvement
- Moving Costs
- Rent or Bills
- Vacation
- Wedding
- Vehicle Purchase
- Business Startup
- Education
- Large Purchase
- Something Else
Our top pick when your reason isn’t on the list — accepts almost any loan purpose.
Ready To See Real Numbers?
Answer a few questions and compare the amounts, rates, and terms you actually qualify for — free, and with no obligation to accept.
Check Available Loan Options →The Benefits of a Personal Loan
- One fixed monthly payment: Rolling several credit cards into a single personal loan replaces a handful of unpredictable minimums with one payment and one payoff date.
- Rates far below credit cards: The average credit card now charges over 21% APR. Well-qualified borrowers are being matched with personal loans in the single digits.
- Money in days, not weeks: Most lenders in our network make a decision in minutes and can fund an approved loan as soon as the next business day.
- Checking rates is free: Pre-qualifying uses a soft credit check, so seeing your rate will not affect your credit score.
Bad Credit? You Still Have Options
Lenders in this network work across the full credit spectrum, and a low score doesn’t automatically mean a decline. Each credit range below opens a different lender that specialises in that band.
Check What You’re Eligible For
Loan availability, amounts, rates, and terms vary by state and participating lender.
Check Available Loan Options →