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Getting a personal loan with bad credit feels impossible — but it is not. Dozens of lenders work specifically with borrowers who have credit scores under 620, recent late payments, or limited credit history. The key is knowing where to apply. This guide compares the best options available in 2025.
Best Personal Loans for Bad Credit in 2025
Connects you with 50+ lenders in 60 seconds. Personal loans from $500 to $35,000. All credit types considered — including 550 and below. Soft pull only, no impact on your score to check rates.
- Loan amounts: $500 – $35,000
- Credit required: Any credit considered
- APR range: 5.99% – 35.99%
- Funding: As fast as 1 business day
- Soft pull pre-qualification available
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Won’t affect your credit score · Results in 60 seconds
All Lenders Compared
| Lender | Min Credit | Loan Range | APR Range | Best For |
|---|---|---|---|---|
| Lead Stack Media | Any credit | $500–$35K | 5.99–35.99% | All credit types, fast match |
| Heart Paydays | 580+ | $100–$5K | Varies by lender | Short-term, payday-style loans |
| Round Sky | None | $100–$35K | Varies by lender | Bad credit, no history |
How to Qualify With Bad Credit
Lenders that work with bad credit borrowers look at your full financial picture — not just your score. Having a stable income, low existing debt, and an active checking account all improve your odds. Most lenders on this list accept scores as low as 550, and some have no minimum at all.
Frequently Asked Questions