🎓 Student Loans — Bad Credit OK —
Loans for Students
With Bad Credit — Approved
Students with bad credit or no credit history can still qualify. Part-time income, work-study, and gig work all count. Apply free in 2 minutes — bad credit and no credit both accepted.
Apply Now — Students Welcome →
✓ Bad and no credit both OK · ✓ Part-time income accepted · ✓ No hard pull · ✓ Same-day funding
Home › Loans for Students With Bad Credit
Last updated: · Reviewed by Money247 Editorial Team
Being a student with bad credit or no credit history does not disqualify you from getting a personal loan. Online lenders through Money247.com accept part-time employment, work-study income, internship pay, and gig work as qualifying income. No credit history is different from bad credit — many student borrowers are surprised by how many options they have. Scores from 500 accepted.
What Student Expenses You Can Cover
Any student expense — use the funds however you need them most.
📚
Textbooks and Supplies
✓ Course materials and school supplies
💻
Laptop or Tech Equipment
✓ Computer, tablet, and school tech needs
🏠
Off-Campus Rent
✓ Apartment rent and security deposit
🚗
Transportation Costs
✓ Car repairs, gas, and commuting
🍕
Living Expenses
✓ Groceries, utilities, and everyday bills
🚨
Any Student Emergency
✓ Unexpected costs that come up in school
Key Facts — Student Loans for Bad Credit
$500–$5KTypical student loan amounts
500+Minimum credit score accepted
Part-TimeIncome qualifies for approval
Same DayFunding available weekdays
Best Student Loan Lenders for Bad Credit —
All lenders below accept students with bad or no credit history.
⭐ #1 Best Student Loan for Bad Credit — Money247 Top Pick
Money247 Student Personal Loan Network
Best OverallBad Credit OK
500+Min Score
$5KMax Amount
Same DayFunding
Why it's #1: One application reaches 300+ lenders who accept student borrowers — including those with bad or no credit history. Part-time income, gig work, and work-study income accepted. Reports to all 3 credit bureaus to help build your score from day one.
Bad credit and no credit accepted
Part-time income qualifies
Work-study income accepted
Gig work income accepted
Reports to all 3 bureaus
Builds credit history
Scores from 500 accepted
Same-day deposit available
Apply Now — Students Welcome →
🥈 #2 Best — No Credit History Required
First-Time Student Loans — No History Needed
No History OKPart-Time Income
NoneHistory Needed
$3KMax Amount
24 HrsFunding
Why it's #2: No credit history required at all. Designed specifically for students applying for their very first loan. Part-time jobs, work-study programs, and gig platforms all count as qualifying income.
No credit history required
First loan — no score needed
Part-time and work-study OK
Builds credit from zero
Apply — No Credit History Needed →
🥉 #3 Best — Larger Student Loans
Larger Student Personal Loans
Up to $5K550+ Score
550+Min Score
$5KMax Amount
Same DayFunding
Why it's #3: Need more than $2,000 as a student? Up to $5,000 for students with consistent part-time income and a 550+ score. Best for covering a semester gap or larger unexpected expense.
Up to $5,000 for students
Semester gap coverage
550+ score accepted
Same-day deposit available
Apply for Larger Student Loan →
How to Apply — 4 Simple Steps
1
Apply Free at Money247.com — 2 Minutes
Fill out one short form on your phone. Enter your income from all sources — part-time job, work-study, gig work — and the amount needed.
2
Receive Competing Offers Instantly
300+ lenders review your application simultaneously. You receive real offers from lenders who accept student borrowers with bad or no credit.
3
Accept Your Best Offer and Sign
Choose the offer that fits your student budget. Sign electronically from your phone. No branch visit ever required.
4
Get Funded and Start Building Credit
Funds deposited to your bank account same day. Make every monthly payment on time and watch your credit score climb over the next 12 months.
Frequently Asked Questions
Can students with bad credit get personal loans?+
Yes. Many online lenders accept student borrowers with bad credit or no credit history. They look at your part-time income and bank activity rather than credit score alone. Apply free at Money247.com to see your real options without affecting your score.
What income do student borrowers need to qualify?+
Any regular income qualifies — part-time employment, work-study programs, gig work on platforms like Uber or DoorDash, internship pay, and consistent bank deposits from any source. Even modest part-time income of $600 to $800 per month can qualify for small personal loans.
Will a personal loan help me build my credit score?+
Yes. Personal loans from Money247.com's network report to all 3 credit bureaus. Making every monthly payment on time builds your payment history — the largest factor in your credit score at 35%. Most students see meaningful score improvements within 12 months of on-time payments.
Will applying affect my credit score?+
No. Checking your rate at Money247.com uses only a soft credit inquiry which does NOT affect your credit score. A hard inquiry only occurs when you formally accept a specific loan offer from a lender.
Students Welcome — Apply Free Now
One 2-minute application reaches 300+ lenders. Bad credit and no credit history both accepted. Part-time income qualifies. No hard pull. Same-day funding available.
Apply Free — Students Welcome →
Related Loan Options
Disclaimer: Money247.com is a loan matching service, not a direct lender. Loan approval is not guaranteed. Rates and terms vary by lender.
Students Welcome —
Bad Credit and No Credit Both OK
Apply free in 2 minutes. Part-time income accepted. No hard pull. Same-day funding available. Start building your credit score today.
Apply Now — Students Welcome →
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