Lakeside Lending
- No origination fee
- Same-day funding available
- Rate discount with autopay
Est. APR
8.49% – 21.99%
Amount / terms
$2,000–$50,000
24–60 months
Personal loans for bad credit
Bad credit narrows the field but does not close it: several network lenders weigh income, employment, and banking history alongside the score. Expect higher APRs — the win is comparing real offers instead of guessing, without a single hard inquiry.
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Harbor Credit Union
- Member-owned, lower rates
- No prepayment penalty
- Joint applications accepted
Est. APR
9.15% – 17.85%
Amount / terms
$1,000–$35,000
12–48 months
Foundry Bank
- Large loan amounts
- Fixed rates for full term
- Debt consolidation specialists
Est. APR
10.24% – 24.49%
Amount / terms
$5,000–$100,000
36–84 months
Advertiser disclosure: sample offers shown until partner integrations go live. Your actual rate depends on credit profile, income, and state.
Loans for bad credit: FAQs
What is the minimum score?
Some lenders in our network consider applications from around 560, and a few use underwriting models that weigh cash flow more than score.
Will a co-signer help?
Substantially — a co-signer with good credit can cut your APR dramatically. Both of you are fully responsible for repayment, and both credit files are affected.
How do I avoid predatory offers?
Reject anything with triple-digit APRs, mandatory upfront fees, or pressure to decide immediately. Legitimate lenders show APR, total cost, and terms in writing before you sign.