Best Unsecured Personal Loans for Bad Credit of February 2024

ElitePersonalFinance
Last Update: March 12, 2023 Credit Report Loan Reviews Loans

Many reputable lenders offer unsecured personal loans to those with bad credit, ranging between APR of $5.99% to 35.99%. Better than payday loans with an APR of 400%! From 0 credit scores to those requiring a 500 – 580 range, we compiled a list of reliable lending options that can provide the cash you need without having to risk your collateral in the process.

But before we show them to you, watch our video that shows how people with bad credit can get a personal loan:


Best Unsecured Personal Loans for Bad Credit of February 2024

Loan Company:Min. Credit Score:APR:Amount:
ZippyLoan0Vary$100 – $15,000
LifeLoans0Vary$100 – $40,000
NextDayPersonalLoan0Vary$100 – $40,000
VivaLoan0Vary$100 – $15,000
BadCreditLoans05.99% – 35.99%$500 – $10,000
CashUSA05.99% – 35.99%$1,000 – $10,000
PersonalLoans5805.99% – 35.99%$1,000 – $35,000
OppLoans059% – 160%$500 – $4,000
OneMainNot Specified18% – 35.99%$1,500 – $20,000
Avant5509.95% – 35.99%$2,000 – $35,000
First Tech Federal Credit Union06.70% – 18%$500 – $50,000

BadCreditLoans

Loan Amount:$500 – $10,000
APR:5.99% – 35.99%
Min. Credit Score:0
Approval:1 Day
Terms:3 – 36 months
Origination Fee:N/A
DTI Ratio:N/A
Check rates

BadCreditLoans.com offers unsecured personal loans for very bad credit.

And like their motto states – they can help when others can’t.

While loan amounts can reach up to $10,000, those with really bad credit shouldn’t expect that much. Usually, BadCreditLoans.com will provide up to $3,000 if your credit is extremely poor, while those with higher credit scores can get the full $10,000.

Pros:

  • Easy and fast approval.
  • Those with really bad credit still get approved.
  • APRs in the personal loan range, which means less than 35.99%.

Cons:

  • Those with really bad credit should expect high APRs ranging from 15% to 35.99%.
  • Not all loans get approved.

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