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If you have poor credit but need a personal loan the good news is there are legitimate loan providers who can lend you the funds that you need. Lenders are now loosing their credit requirements for the first time since the 2007 recession. If you have bad credit these are personal loans that should be on your list of options.

Avant
This lender does work with people who have poor credit, it has APRs ranging from 9.95% to 65.00%. The upfront fee can be quite expensive upwards of 6% albeit can be as low as 1%. It all depends on the various aspects of your credit report. On the plus side for this lender you can be prescreened meaning you will not get an inquiry on your credit report. On a $1000 loan most borrowers can expect to pay upwards of $390 in interest. You need a minimum of only 550 credit to borrow from Avant which is why many people turn to Avant. This lender is very transparent when it comes to fees and interest rates. They offer loans as high as $35,000 in some states. This lender operates in every state except for Maine, Iowa, North Dakota, and West Virginia.

OneMain Financial
This company is wholly owned by Citibank. They offer personal loans up to $10,000, the downside being you must go to one of their physical branches. If they are in your area this is a good option as they accept credit scores as low as 550. The APR varies greatly from as low as 12% to as high as 35%, which is still a much better option than a payday loan.

All they require is:

Verifiable and steady income
550 minimum credit score
No bankruptcy filings in your past
At least 18 years of age
At least some established credit history

They do prohibit their funds being used for school, business or gambling. Unlike Avant you will get a hard inquiry from One Main.

Installment Loans Hub
This is another lender that you need to visit a branch for, but you can fill out the paperwork online, you only need to visit a branch to pick up your funds, however there is an option to have the funds wired to your account. They are available in 27 states. Installment Loans Hub boasts a 92% customer satisfaction rate which is high for any lender. They do offer loans to those whose credit score is under 600 with interest rates ranging from 15.99% – 39.99%. You will receive a hard inquiry if you apply for a loan, there is no soft inquiry option. This lender however has no application fee.

Upstart
This lender offers loans to those with credit scores as low as 640. You will not receive a hard inquiry to see your rates. They offer loans with an APR as low as 5.67%. One great aspect about this lender is that there is no prepayment penalty if you desire to pay off your loan early. Loan amounts range from a minimum on $3000 to as high as $25,000. One unique aspect of this lender is that they take into account your education, areas of study and job history when deciding what interest rate to offer you instead of solely relying on your FICO score. You can apply online and have your funds on the next business day.

AlcaneFCU

This bank has not been around very long but they are in the market to provide a variety of people with credit scores as low as 600 personal loans. They offer loans from $1,000 up to $35,000. You can discover what rate you qualify for with a soft inquiry rather than a hard pull so it does not hurt to see what they offer. Many borrowers will receive same day loan approval. The loans APR varies from 8.45% to 29.90%, depending on your credit score. There is no penalty for paying off yo0ur loan early. The downside to this lender is that their origination fees can be as high as 5% in some cases.

 
 

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