Discover a personal loan – your financial help in debt consolidation, home renovation, and college education. Want to find the most suitable one? Choose BadCredify and explore your options.
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BadCredify aims to pick the best loan providers that offer personal loans with reasonable interest rates. We choose them based on APRs, loan terms, fees, customer care, and many other factors you need to consider before applying for a personal loan.
★★★★★
Est.APR
6.40% – 35.99%
Loan amount
$1,000 – $50,000
Min Score
300
PROS
CONS
OVERVIEW
Upstart is a financial platform that enables borrowers with weak credit to get personal loans with flexible payback options. Its key advantage is same-day funding, and there is simply a light credit check conducted throughout the application procedure.
WHO IT’S FOR
Poor credit borrowers who can’t qualify for traditional personal loans.
WHY WE LIKE IT
Upstart does not do credit checks on its customers. Instead, it examines applicants’ whole financial condition. In addition, customers can apply in the morning and receive their personal loan before the end of the day.
LENDER PERKS
FEES
REQUIREMENTS
TIME OF RECIEVE FUNDS
One business day (same-day funding available)
★★★★☆
Est.APR
18% – 35.99%
Loan amount
$1,500 – $20,000
Min Score
None
PROS
CONS
OVERVIEW
OneMain Financial is a reliable financial service that offers personal loans between $1,500 and $20,000 without minimum credit score requirements. With its joint applications, flexible repayment terms, and soft credit checks for pre-qualifying, it can suit borrowers with bad credit. Interest rates are usually high, though.
WHOM IT SUITS
Borrowers with credit issues who want to avoid predatory lenders.
WHY WE CHOOSE IT
The company offers a wide range of secured, unsecured, and joint loan options with flexible repayment terms. Its personal loans are available to underbanked borrowers.
PERKS OFFERED
FEES
ELIGIBILITY REQUIREMENTS
FUNDING TIMES
Within one business day of approval via a direct deposit. Funding within several hours may be offered if you receive the funds on your debit card.
★★★★☆
Est.APR
9.116% – 29.99%
Loan amount
$2,000 – $45,000
Min Score
640
PROS
CONS
OVERVIEW
Rocket Loans is a financial platform that allows bad credit borrowers to get personal loans with flexible repayment terms. The same-day funding is its main advantage and there is only a soft credit check performed during the application process.
WHO IT’S FOR
Poor credit borrowers who need to make a significant debt consolidation.
WHY WE LIKE IT
Rocket Loans has low APRs and no additional fees. Also, consumers may apply earlier in the morning to receive the personal loan by the end of the same day.
LENDER PERKS
FEES
REQUIREMENTS
TIME OF RECIEVE FUNDS
One business day (same-day funding available)