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Best Personal Loans for Bad Credit April 2024
Don't let your credit score hold you back!
Even if you don't meet the requirements for other types of loans, you may still qualify for a low-credit loan. Compare personal loan offers from top-rated lending partners and find rates and conditions that work for you.
Best Personal Loans for Bad Credit April 2024
Even if you don't meet the requirements for other types of loans, you may still qualify for a low-credit loan. Compare personal loan offers from top-rated lending partners and find rates and conditions that work for you.
Top Personal Loans in Ohio in 2024
Updated April 2024
Quick Approval
Low Rates
Low Credit Accepted
How much money do you need?
Less than $5,000
$5,000 - $15,000
$15,000 - $35,000
More than $35,000
1
2
Find the best service for you
1
Editor's Choice
9.7
Exceptional
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.3
Consumer Engagement
Based on Click-Share
5.0
Learn more on how we score
9.7
Exceptional
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.3
Consumer Engagement
Based on Click-Share
5.0
Learn more on how we score
  • Borrow up to $50K
  • Min. credit score: 550
  • APR: 6.99% - 35.99%
  • Term: 3 - 180 months
Aided 100M+ people in funding
Visit Site
Visit LendingTree
2
7.8
Good
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
1.4
Consumer Engagement
Based on Click-Share
4.5
Learn more on how we score
7.8
Good
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
1.4
Consumer Engagement
Based on Click-Share
4.5
Learn more on how we score
  • Borrow up to $35K
  • Min. credit score: 500
  • APR: 5.99% - 35.99%
  • Term: 2 - 72 months
Network of 100+ lending partners
Visit Site
Visit 5KFunds
3
7.9
Good
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.6
Consumer Engagement
Based on Click-Share
3.8
Learn more on how we score
7.9
Good
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.6
Consumer Engagement
Based on Click-Share
3.8
Learn more on how we score
  • Borrow up to $100K
  • Min. credit score: 600
  • APR: 6.99% - 35.99%
  • Term: 12 - 84 months
Personalized pre-qualified offers
Visit Site
Visit Credible
4
6.6
Fair
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
1.6
Consumer Engagement
Based on Click-Share
3.7
Learn more on how we score
6.6
Fair
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
1.6
Consumer Engagement
Based on Click-Share
3.7
Learn more on how we score
  • Borrow up to $100K
  • Min. credit score: 640
  • APR: 6.99% - 25.49%
  • Term: 24 - 84 months
Diverse loans for any financial need
Visit Site
Visit LightStream
*Powered by Credible
5
7.6
Good
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
2.7
Consumer Engagement
Based on Click-Share
4.1
Learn more on how we score
7.6
Good
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
2.7
Consumer Engagement
Based on Click-Share
4.1
Learn more on how we score
  • Borrow up to $35K
  • Min. credit score: 550
  • APR: 5.99% - 35.99%
  • Term: 2 - 72 months
Array of loans & repayment terms
Visit Site
Visit LoansUnder36
6
7.3
Fair
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.3
Consumer Engagement
Based on Click-Share
3.5
Learn more on how we score
7.3
Fair
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.3
Consumer Engagement
Based on Click-Share
3.5
Learn more on how we score
  • Borrow up to $50K
  • Min. credit score: 660
  • APR: 8.49% - 17.99%
  • Term: 12 - 60 months
Hassle-free loan options
Visit Site
Visit PenFed
*Powered by Credible
7
7.4
Fair
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.6
Consumer Engagement
Based on Click-Share
3.5
Learn more on how we score
7.4
Fair
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.6
Consumer Engagement
Based on Click-Share
3.5
Learn more on how we score
  • Borrow up to $50K
  • Min. credit score: 640
  • APR: 8.99% - 35.99%
  • Term: 24 - 60 months
Funding in as little as 24 hours
Visit Site
Visit BestEgg
8
7.4
Fair
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.4
Consumer Engagement
Based on Click-Share
3.5
Learn more on how we score
7.4
Fair
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.4
Consumer Engagement
Based on Click-Share
3.5
Learn more on how we score
  • Borrow up to $50K
  • Min. credit score: 599
  • APR: 6.40% - 35.99%
  • Term: 24 - 84 months
Suitable for different credit ratings
Visit Site
Visit AmOne
9
7.3
Fair
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
2.7
Consumer Engagement
Based on Click-Share
3.9
Learn more on how we score
7.3
Fair
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
2.7
Consumer Engagement
Based on Click-Share
3.9
Learn more on how we score
  • Borrow up to $10K
  • Min. Credit Score: 500
  • APR: 5.99% - 35.99%
  • Term: 3 - 36 months
Low-credit loan offers
Visit Site
Visit Bad Credit Loans
SHOW MORE
Compare Between Top Lenders
Use this side-by-side comparison table to help you find the right lender. Choose up to four lenders to compare.
Features
Score
9.7
7.8
7.9
6.6
7.6
APR
6.99% to 35.99%
5.99% to 35.99%
6.99% to 35.99%
6.99% to 25.49%
5.99% to 35.99%
Borrow Up To
$50K
$35K
$100K
$100K
$35K
Min. Credit Score
550
500
600
640
550
Term
12-144 months
2-72 months
12-18 months
24-84 months
2-72 months
View Rates
View Rates
View Rates
View Rates
View Rates
Best Alternatives for Homeowners
1
7.8
Good
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.7
Consumer Engagement
Based on Click-Share
3.7
Learn more on how we score
7.8
Good
Scores are calculated based on:
Consumer Reviews
Based on TrustPilot
4.7
Consumer Engagement
Based on Click-Share
3.7
Learn more on how we score
  • No need to refinance
  • Flexible income requirements
  • No monthly payments or added debt
  • Apply online in just a few minutes
Equity-based financing solution
View Rates
Visit Unlock
FAQs About Personal Loans for Bad Credit
Before taking a personal loan be sure you familiarize yourself with all the terms and conditions associated with the loan. To help you get started, we've compiled below some of the most frequently asked questions about personal loans for bad credit.
What is a personal loan?
Personal loans are loans taken from a lender and paid back by the borrower in fixed monthly installments. These loans can be taken for a wider variety of reasons ranging from home improvement to financing large purchases. Unlike mortgage loans or some types of business loans, personal loans are almost always unsecured, meaning they aren't backed by any collateral
What is considered a low credit score?
Bad credit stems from an accumulation of past failures to make payments and meet deadlines on your credit agreements. Credit scores are calculated according to FICO scores which range between 300-850. A bad credit score is typically anything below 629, however, this may differ depending on the lender and how they categorize it.
Can you get a personal loan with bad credit?
When applying for a personal loan with bad credit, you have several options which include going to a local bank or credit union or getting a co-signer. However, the most practical option would be to seek an online lender that specifically works with individuals who are struggling with bad credit.
Can I take a personal loan online?
Absolutely! By using an online personal loan service you save yourself the trouble of arranging meetings with banks and/or credit unions and you can easily compare offers while sitting at home. Furthermore, many online personal loan lenders offer better rates than banks and provide more flexible terms ranging from 61 days up to 180 months. These online personal loan services often function as a middleman between the borrower and the lender. The loan service will connect you with a lender who will make a loan offer specifying the APR and loan terms.
How long do I have to repay the loan?
Much like APR, the term or length of your loan will depend on a variety of factors. Repayment periods can range from 61 days to 180 months. One of the great things about online personal loan services is they allow you to compare loan terms meaning you can choose a repayment period that best suits your financial goals.
Representative Example
Assuming a loan of $5,000 over 36 months at a fixed rate of 10.5% per annum and fees of $60.00.
This would result in a representative rate of 11.3% APR, with monthly repayments of $162.51, for a total amount paid of $5,910.44.
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We aim to provide valuable content and useful comparison features to our visitors through our free online resource. It's important to note that we receive advertising compensation from companies featured on our site, which influences the positioning and order in which brands (and/or their products) are displayed. Please be aware that the inclusion of company listings on this page doesn't imply endorsement. We don't feature all providers available in the market. Any information presented on this page, including pricing, is subject to change without notice. We want to emphasize that we disclaim all representations and warranties concerning the accuracy of the information provided on this site, unless otherwise explicitly stated in our "Terms of Use"
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