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5 Best Personal Loans With Bad Credit in Sep 2023

5 Best Personal Loans With Bad Credit in Sep 2023

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Life is full of surprises, and sometimes we may find ourselves strapped for cash. Whether it’s an unexpected medical expense, a significant purchase that can’t wait, or the desire to consolidate existing debts into a more manageable solution, a personal loan can help us navigate through these difficult situations.

However, what happens when your credit history is less than favorable (typically a FICO score under 670)?

While traditional lenders tend to focus on applicants with good to excellent credit, there are services that are willing to look beyond your credit score and extend loans tailored to your specific circumstances. Here, we’ve rounded up 5 of the best personal loans with bad credit. Read on…

1. Honest Loans


  • Flexible loan amounts
  • Competitive APRs
  • No credit check
  • Quick funding


  • APR not disclosed upfront
  • Not available in all states*

Whenever you find yourself in a bind and need quick access to funds – be it a quick $100 or a substantial $50,000 – you may want to make Honest Loans your go-to option.

Honest Loans is an online lending platform. It works by connecting you with a wide network of lenders who are ready to help out despite poor or thin credit history. What sets it apart is its ability to secure a loan for you with an impressively low APR of just 5.99% without a credit check.

With Honest Loans, you’ll have the opportunity to get a loan of up to $50,000, from which you can choose a payment term (from 6 to 36 months). And upon approval, the fund will be deposited into your account as quickly as the next day.

How to apply

  1. Go to the Honest Loans Official Website.
  2. Choose the amount of money you’re looking to borrow.
  3. Enter the required information. This may include your name, the last 4 digits of your SSN, birth year, zip code, email address, phone number, etc.
  4. You’ll be matched with lenders who are willing to extend you a loan. Carefully review the terms and rates offered by the lender and make your preferred choice.
  5. Sit back and wait for the money to hit your account.
Honest LoansLoan Details
Loan Amount$100-$50,000
Terms6 months to 3 years
Turnaround TimeSame business day to 1 business day
APR5.99% to 35.99%
Origination FeeNone
Minimum Credit Score No

Eligibility Requirements: To qualify for a loan through Honest Loans, individuals must be employed, earn a minimum monthly income of $800, have a checking account, and be a legal US citizen aged 18 or older.

*: Residents of Arkansas, Arizona, Georgia, Oregon, Virginia, West Virginia, and New York are not eligible for services offered by Honest Loans.

2. ZippyLoan


  • Accepts various credit types, including bad credit
  • Fast, real-time requests
  • Quick approval
  • No hidden fees or obligations
  • No prepayment penalty


  • Limited maximum loan amount
  • Relatively high APRs with short-term loans
  • Not available nationwide*

ZippyLoan is another platform that helps people get the best loan deals they want regardless of their credit scores.

It offers a diverse range of loaning options to meet specific financial needs. Short-term loans provide quick approval for managing unexpected expenses with shorter repayment periods (such as 6 months). Long-term loans, on the other hand, allow borrowers to access larger sums for major expenses, with extended repayment terms (up to 6 years).

The icing on the cake: Since ZippyLoan isn’t a direct lender and lenders pay to join the network, it strives to keep the APR at low rates, all while ensuring there are no origination fees catching you off guard at inopportune times.

How to apply

  1. Navigate to ZippyLoan’s Official Website.
  2. In the form, choose the amount of loan you need, enter your zip code and email address, then click GET STARTED.
  3. Provide extra details for the loan and basic personal information. Then click CONTINUE TO STEP 2>.
  4. Enter your employment details and move on to Step 3.
  5. In Step 4, complete the contact and deposit details platform.
  6. Put your leg up while ZippyLoan works to connect you with a list of prospective loaners.
  7. Choose a loan offer that works for your financial circumstance.
ZippyLoanLoan Details
Loan Amount$100-$15,000
Terms 6 months to 6 years
Turnaround Time1 business day
APR5.99% to 25.05%
Origination FeeNone
Minimum Credit Score No

Eligibility Requirements: To be eligible for a loan through Zippyloan, you must be at least 18 years old and have a regular source of income.

*: ZippyLoan’s loan services are not available to residents of New York, Oregon, West Virginia, or Washington, D.C.

3. Opploans


  • Applying does not affect your FICO® credit score
  • Good for borrowers with bad credit
  • Same-day funding available
  • Best for small-amount loans
  • Build Credit History
  • No hidden fees


  • Relatively high interest rates
  • Only available in 35 states

OppLoans can be an appealing option for borrowers who have a rocky credit history or may have been turned away by traditional lenders. It offers APRs ranging from 59% to 160%, which can be higher compared to traditional lenders, but they’re still much lower than what payday lenders charge.

One of the advantages of applying for a loan with OppLoans is that they don’t conduct a hard credit check. This means that your credit score won’t be negatively impacted during the application process. Plus, the application is straightforward and can be completed quickly.

OppLoans is committed to being transparent and providing clear information to borrowers. They openly share the APRs, fees, and requirements on their website, ensuring that you have all the necessary details upfront to make an informed decision.

How to apply

  1. Head to the OppLoans Official Website.
  2. In the big banner, click Apply Now.
  3. Check through Opploan’s list of requirements (including making sure you reside within its serviceable areas), then click Start New Application.
  4. Fill in your name and indicate if a friend has referred you to OppLoans.
  5. Enter your email, phone number(s), and click Next.
  6. Choose your purpose for the loan.
  7. Follow the on-screen instructions to provide more details.
  8. Decide on the loan size you want to borrow.
  9. Sit tight while Opploans matches you up with lenders who are ready to work with you.
  10. Pick a loan offer that fits you.
OppLoansLoan Details
Loan Amount$500-$4000
TermsBetween 9 to 18 months
Turnaround TimeSame day available
APR59.00% to 160.00%
Origination FeeNone
Minimum Credit ScoreNo

Eligibility Requirements: To qualify for OppLoans, applicants must have direct deposit, be a U.S. citizen or permanent resident, and be at least 18 years old (19 in some states), with a minimum of 30 days of employment at their current job and a minimum monthly income of $1,500.

4. Vivaloan


  • All credit types accepted
  • Rebuild credit
  • Completely free


  • Does not operate in all 50 states*
  • Interest rates undisclosed until you apply

Vivaloan is another viable option for individuals with bad credit who are seeking personal loans.

Applying for a personal loan with Vivaloan is quick and easy. All you need is to fill out a form as required and submit your request. If approved, you can use the loan to tackle everyday expenses such as consolidating debts, renovating your home, covering medical bills, fixing your car, or handling unexpected emergencies.

One important thing to note about Vivaloan is that their interest rate information may not be readily available upfront. Again, this is because Vivaloan is only a platform for connecting borrowers with potential lenders, so the actual terms, including interest rates, will vary based on individual lenders and their assessments of borrowers’ profiles and credit worthiness.

How to apply

  1. Go to the Vivaloan Official Website, type in the sum of money you need for your loan, then your ZIP code and email address. Then click GET STARTED.
  2. Provide more information on yourself and your income, then Continue to step 2.
  3. Fill in your contact information and deposit details as requested. Once ready, click Submit Request.
  4. Wait as Vivaloan searches its network. Once finished, it will present you with all the potential lenders. To make sure you get the best loan deals, you should thoroughly review the terms and conditions provided by each lender you are matched with to understand the interest rates, fees, and repayment options associated with your loan.
VivaloanLoan Details
Loan Amount$100 – $15,000
TermsBetween 12 months and 5 years
Turnaround Time1 Business day
APRNot clear
Origination FeeNone
Minimum Credit ScoreNo

Eligibility Requirements: To qualify for Vivaloan, all you need is to be at least 18 years old and able to provide proof of regular income.

*: Vivaloan is not available in West Virginia, New York, or Washington D.C.

5. Bad Credit Loans


  • Relatively low APRs
  • Quick approval and disbursement
  • Competing lenders


  • Has a credit score threshold

Last but not least, BadCreditLoans is a name that speaks for itself with both short-term and long-term personal loans (from 3 months to 3 years) that cater to people with less-than-perfect credit scores.

One of the standout features of BadCreditLoans is its competitive APR (Annual Percentage Rate). While specific rates may vary based on your creditworthiness and the lenders you’re matched with, you can expect APRs ranging from 5.99% to 35.99%. For example, if you ask for a lending amount of $2000 for a period of 12 months and you get an APR of 5.99%, your total repayment by the end of the loan term would be $2,119.76.

How to apply:

  1. Go to the BadCreditLoans Official Website. In the form, provide some basic personal info to start the application.
  2. On the next page, fill in more information about your loan request, contact info, employment, banking, and credit info.
  3. Stay patient as Opploans matches you with lenders who are prepared to assist you, and once the options are available, carefully select a loan offer that best suits your specific needs.
BadCreditLoansLoan Details
Loan Amount$500 to $10,000
Terms3 month to 3 years
Turnaround TimeWithin 1 business day
APR5.99% and 35.99%
Origination FeeNot stated
Minimum FICO Score500

Eligibility Requirements: To qualify for BadCreditLoans, you must be at least 18 years old and a resident of the United States, providing proof of residency or a social security number. Additionally, you need to have a consistent source of income and hold a checking account in your name.


Personal loans for individuals with bad credit can serve as a lifeline during times of financial need. While there are reputable lenders like Honest Loans, ZippyLoan, OppLoans, Vivaloan, and Bad Credit Loans that specialize in assisting individuals with less-than-perfect credit, it’s crucial to exercise caution. It’s important to carefully review the terms, interest rates, and fees associated with each loan offer to ensure you receive the necessary relief to overcome challenging circumstances while avoiding the pitfalls of excessive debt. Best of luck in finding the right solution for your financial needs!

By Enya Zhang

Meet Enya – a passionate content writer who loves crafting insightful and helpful articles. Since 2018, she's built a reputation as a reliable source of knowledge. She explores topics far and wide, from online dating and people search tools to new streaming platforms to identity theft protection services and the latest tech.

When researching, Enya digs in deep. She sees to it that every article is backed by first-hand testing, rigorous analysis, and/or thorough investigation. Her commitment to in-depth research and comprehensive testing ensures her articles deliver trusted guidance readers can count on.

Embracing both quiet and thrill, Enya is a reserved extrovert who happily cruises between me time and socializing. Outside of writing, you can find her soaking up sights and sounds, chilling with friends or lost in a good book.

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