PayOff
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Amount $5,000 – $40,000
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Min Credit Score 640
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APR 5.99% – 24.99%
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Approval 1 – 7 Days
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Terms 24 - 60 months
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SuperMoney
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Amount $1,000 - $100,000
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Min Credit Score
0
but 620 is Recommended
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APR 4.99 - 35.99%
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Approval 1 Day
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Terms 12 - 120 months
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There are plenty of services in the marketplace, however, SuperMoney is the best! This company works with thousands of loan companies, lenders credit unions and so on, so finding you a loan will be easy. And they work different. Instead of getting your personal details and sending is to list of their lenders, like other companies do, SuperMoney will ask you to complete their form one time and directly list you offers that are available to you. There is a big difference because you directly get personalized offers based on your financial situation and your personal information is not send to list of lenders, like other sites do. After that, you can pick the best for you. Click offer details below each and you will find all of the information you need to know regarding APRs, repayment terms and fees. Best of all, the service is completely free and requires no obligation.
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Prosper
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Amount $2,000 - $40,000
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Min Credit Score 640
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APR 7.95% – 35.99%
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Approval 1 - 3 Days
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Terms 36 - 60 months
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PersonalLoans
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Amount $1,000 – $35,000
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Min Credit Score 580
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APR 5.99% – 35.99%
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Approval < 1 Day
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Terms 90 Days – 72 Months
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PersonalLoans offers unsecured loans ranging from $1,000 to $35,000, and because the company only requires a minimum credit score of 580, PersonalLoans is a great place to obtain a bad credit loan. Its APRs range from 5.99% to 35.99%, but to qualify, you need to have some form of recurring income. It can be full-time employment, self-employment, regular disability or Social Security benefits. Keep in mind though, loans are not available to residents in Arkansas, Georgia or New York.
Pros:
- Low credit score requirements of 580.
- Low income requirement of $1,000.
- Bad credit is ok.
- Highest amount allowed is $35,000.
- Available in many states.
Cons:
- People with really bad credit can’t apply.
- You can’t have an account with a late payment for longer than 60 days or a recent bankruptcy.
- You can’t have any recent charge-offs or late payments.
Best for: Bad Credit
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SignatureLoan
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Amount $1,000 – $35,000
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Min Credit Score 0
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APR 5.99% – 35.99%
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Approval < 1 Day
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Terms 2 – 5 Years
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Offering loans to borrowers of all credit scores, SignatureLoan provides reliable financing in as little as five minutes. Loans range from $1,000 to $35,000, but large amounts are usually only accessible to those with high credit scores. Its APRs range from 5.99% to 35.99%, but loans are not available to residents in the state of Maine. As well, you must have a minimum monthly income of $1,100 to qualify. The application process is quick and easy, and through its e-signature feature, you can even receive funding without mailing in any physical paperwork.
Pros:
- Low credit score requirements of 0.
- Bad credit is ok.
- Highest amount allowed is $35,000.
Cons:
- People with really bad credit can’t apply.
- Risk to lose your partnership.
Best for Co-signer Loans
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Upgrade
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Amount $1,000 - $35,000
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Min Credit Score 600
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APR 7.99% - 35.97%
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Approval < 1 Day
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Terms 3 - 5 Years
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Upgrade Disclaimer:
Personal loans made through Upgrade feature APRs of 7.99% - 35.97%. All personal loans have a 1.5% to 6% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's lending partners. Information on Upgrade's lending partners can be found at https://www.upgrade.com/lending-partners/.
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Amount $7,500 - $40,000
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Min Credit Score 620
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APR 7.99% - 29.99%
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Approval 1 - 7 Days
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Terms 24 - 60 months
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LendingPoint
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Amount $2,000 - $25,000
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Min Credit Score 585
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APR 9.99% - 35.99%
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Approval 1 - 3 Days
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Terms 24 - 48 months
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LendingPoint has APRs that range from 9.99% to 35.99% and the company offers unsecured loans that range from $2,000 to $25,000. But, to qualify, you must have an annual income of at least $20,000 and a minimum credit score of 585. You can choose between bi-weekly or monthly repayment, and the company looks at factors other than just your credit score to determine whether or not you qualify: factors like your credit history, employment status and credit card debt, Keep in mind though, loans are not available to residents in Colorado, Nevada, Maine, Maryland, Massachusetts, Connecticut, Wyoming, Wisconsin, Vermont, New York or West Virginia.
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Amount $5,000 - $100,000
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Min Credit Score 680
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APR 5.99% - 18.53%
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Approval 1 - 7 Days
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Terms 24 - 84 months
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LendingClub
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Amount $1,000 - $40,000
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Min Credit Score 600
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APR 10.68% - 35.89%
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Approval 1 - 4 Days
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Terms 36 - 60 months
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BadCreditLoans
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Amount
$500 – $10,000
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Min Credit Score
0
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APR
5.99% – 35.99%
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Approval
< 1 Day
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Terms
3 – 36 Months
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When we talk about bad credit loans, BadCreditLoans.com should always be at the top of our list! And there is a good reason for that. BadCreditLoans have helped millions to get personal loan, while so many people are still paying insane interest on their payday loans. BadCreditLoans.com is a leading company helping people with really bad credit. They are NOT payday loan company!They are huge marketplace connecting people with bad credit with lenders offering UNSECURED bad credit loans. The company offer loans of $500 to $10,000, APR 5.99% to 35.99%. And bad credit is always approved ... in less than a day. In fact this is the most successful personal loans company for bad credit that we at ElitePersonalFinance know. Whether you want to get bad credit loan or refinance your existing payday loans with one cheaper loan, try BadCreditLoans.com .
Pros:
- The Best in The Bad Credit Business!
- Easy and fast approval.
- Unsecured loans.
- Those with really bad credit get approved.
- APRs in the personal loan range which means less than 5.99% to 35.99%.
- Not a payday loan company.
- Amount of up to $10,000.
- Huge lending network.
- Free to register and no obligation to accept any offer.
- Minimum credit score required is 0.
- No hard inquiry on your credit score, so registering won't lower your credit score.
Cons:
- For those with really bad credit, expect high APRs ranging from 15% to 35.99%.
- People with really bad credit can’t qualify for the highest amount of $10,000, they can expect up to $1,500.
- Not all loans get approved.
Best for: Really Bad Credit
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LoanServiceUSA
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MarketLoans
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Best Debt Consolidation Loans for Bad Credit 2021
BadCreditLoans
$500 – $10,000
Min Credit Score: 0
< 1 Day Approval
Apply Now
CashUSA
$1,000 – $10,000
Min Credit Score: 0
24 - 60 months
Apply Now
LendJetFunds
$100 – $10,000
Min Credit Score: 0
1 – 60 Months
Apply Now
SignatureLoans
$1,000 – $35,000
Min Credit Score: 0
2 - 5 Years
Apply Now
Personal Loans
$1,000 – $35,000
Min Credit Score: 580
36 - 72 month
Apply Now
If your credit score is bad, you can try to consolidate your loans with some of these companies.
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