BADCREDIFY

Home » Personal Loans

Personal Loans

Discover a personal loan – your financial help in debt consolidation, home renovation, and college education. Want to find the most suitable one? Choose BadCredify and explore your options.

Get a Personal Loan for Your Needs

  • Check customized interest rates from trusted lenders in a few minutes.
  • Applying does not affect your credit rating
  • Any credit score is accepted
  • Safe and secure application
Get Started ->
get personal loans for your needs

Our List of Chosen Lenders

BadCredify aims to pick the best loan providers that offer personal loans with reasonable interest rates. We choose them based on APRs, loan terms, fees, customer care, and many other factors you need to consider before applying for a personal loan.

★★★★★

Read Full Review

Est.APR

6.40% – 35.99%

Loan amount

$1,000 – $50,000

Min Score

300

Get Offer ->
More About

PROS

  • Quick access to loan funds;
  • No prepayment penalties;
  • Flexible monthly payments;
  • Beyond credit score verification (soft credit check);
  • Flexible loan amounts.

CONS

  • Origination fees up to 10%;
  • High annual percentage rate;
  • Co-signers aren’t allowed;
  • Limited repayment loan terms.

OVERVIEW

Upstart is a financial platform that enables borrowers with weak credit to get personal loans with flexible payback options. Its key advantage is same-day funding, and there is simply a light credit check conducted throughout the application procedure.

WHO IT’S FOR

Poor credit borrowers who can’t qualify for traditional personal loans.

WHY WE LIKE IT

Upstart does not do credit checks on its customers. Instead, it examines applicants’ whole financial condition. In addition, customers can apply in the morning and receive their personal loan before the end of the day.

LENDER PERKS

  • Quick funding (same-day deposit available)
  • No origination fees
  • Soft credit checks performed

FEES

  • Origination fees up to 10%;
  • $15 late fee
  • $15 NSF fee

REQUIREMENTS

  • Be at least 18 years old;
  • Prove your US citizenship or permanent residence;
  • Provide your bank account information
  • Show your monthly income (at least $2,000 monthly income) by providing pay stubs, tax forms, or bank statements;
  • Have fair credit (at least 300);
  • Provide an active email address and phone number.

TIME OF RECIEVE FUNDS

One business day (same-day funding available)

★★★★☆

Read Full Review

onemain financial logo

Est.APR

18% – 35.99%

Loan amount

$1,500 – $20,000

Min Score

None

Get Offer ->
More About

PROS

  • Joint and secured loans are available;
  • Wide range of loan options for low credit;
  • Pre-qualifying doesn’t affect your credit score;
  • Convenient options for debt consolidation.

CONS

  • Relatively high interest rates;
  • Charges origination fees;
  • APRs are not disclosed when pre-qualify.

OVERVIEW

OneMain Financial is a reliable financial service that offers personal loans between $1,500 and $20,000 without minimum credit score requirements. With its joint applications, flexible repayment terms, and soft credit checks for pre-qualifying, it can suit borrowers with bad credit. Interest rates are usually high, though.

WHOM IT SUITS

Borrowers with credit issues who want to avoid predatory lenders.

WHY WE CHOOSE IT

The company offers a wide range of secured, unsecured, and joint loan options with flexible repayment terms. Its personal loans are available to underbanked borrowers.

PERKS OFFERED

  • Direct payment to creditors for debt consolidation;
  • Loan cancellation within 7 days;
  • Fast funding

FEES

  • Origination fees: 1% to 10%, or $25 to $500, depending on the state;
  • Late payment fees: $5 to $30, or 1.5% to 15% of your loan amount;
  • Non-sufficient funds fees: $10 to $50 per payment returned.

ELIGIBILITY REQUIREMENTS

  • At least 18 years also;
  • Permanent US resident;
  • Income confirmation;
  • Valid bank account or debit card.

FUNDING TIMES

Within one business day of approval via a direct deposit. Funding within several hours may be offered if you receive the funds on your debit card.

★★★★☆

Read Full Review

Est.APR

9.116% – 29.99%

Loan amount

$2,000 – $45,000

Min Score

640

Get Offer ->
More About

PROS

  • Low annual percentage rate;
  • Wide range of available loan amounts;
  • Same-day funding in some circumstances;
  • Accessible for fair credit borrowers.

CONS

  • High origination fee (up to 9%);
  • No cosigners are allowed for joint loans;
  • It is not available in all states.
  • Limited term lengths range from 36 to 60 months.

OVERVIEW

Rocket Loans is a financial platform that allows bad credit borrowers to get personal loans with flexible repayment terms. The same-day funding is its main advantage and there is only a soft credit check performed during the application process.

WHO IT’S FOR

Poor credit borrowers who need to make a significant debt consolidation.

WHY WE LIKE IT

Rocket Loans has low APRs and no additional fees. Also, consumers may apply earlier in the morning to receive the personal loan by the end of the same day.

LENDER PERKS

  • Easy loan application process
  • Fast funding
  • Low interest rates

FEES

  • Origination fees of up to 9%
  • $15 late fee
  • $15 NSF fee

REQUIREMENTS

  • Be at least 18 years old;
  • Prove your US citizenship or permanent residence;
  • Provide your bank account information
  • Show your monthly income (at least $2,000 monthly income) by providing pay stubs, tax forms, or bank statements;
  • Have fair credit (at least 640);
  • Provide an active email address and phone number.

TIME OF RECIEVE FUNDS

One business day (same-day funding available)