Understanding your credit score range helps you find the right lender faster.
300 – 579
Poor Credit
Hardest to get approved. Specialized bad credit lenders required. Rates 25–36% APR.
580 – 669
Fair Credit
More options available. Rates typically 15–25% APR. Approval likely with income verification.
670 – 739
Good Credit
Wide lender selection. Rates 10–20% APR. Strong approval odds.
740+
Excellent Credit
Best rates available. APR as low as 6.9%. Highest loan amounts.
Ranked by approval odds, funding speed, and loan terms for bad credit borrowers.
Follow these 4 simple steps to get approved today.
Frequently Asked Questions
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Can I get a personal loan with bad credit?+
Yes. Many lenders in our network specialize in bad credit loans and accept scores as low as 500. They look at your full financial picture including income and employment — not just your credit score.
What credit score do I need for a bad credit loan?+
Most bad credit lenders accept scores of 500 or above. Some lenders accept applicants with no credit score at all, especially if you have steady income. The higher your score above 500, the more loan offers you will receive.
How fast can I get a bad credit loan?+
Many lenders offer same-day or next-business-day funding after approval. Once you accept an offer and complete the lender's verification, funds are typically deposited directly into your bank account within 24 hours.
Will applying hurt my credit score?+
Checking your rate at Money247.com uses only a soft credit inquiry, which does NOT affect your credit score at all. A hard inquiry only occurs when you formally accept a loan offer from a lender.
What is the easiest loan to get with bad credit?+
Online personal loan matching services like Money247.com are the easiest option. Instead of applying to one lender at a time, you submit one form and get matched with multiple lenders simultaneously — giving you the best chance of approval.
How much can I borrow with bad credit?+
With bad credit, you can typically borrow between $500 and $10,000 from most lenders. Borrowers with scores above 580 may qualify for up to $50,000. The amount depends on your income, credit score, and debt-to-income ratio.
What are bad credit loan interest rates?+
Bad credit borrowers typically receive APRs between 20% and 36%. The exact rate depends on your credit score, income, loan amount, and which lender you choose. Comparing multiple offers is the best way to get the lowest rate available to you.
Can a bad credit loan help me rebuild my credit?+
Yes. When you make on-time payments, lenders report this to the credit bureaus which gradually improves your score. Many borrowers see a 40–80 point improvement within 12 months of consistent on-time payments on a personal loan.
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