5 Loans That Approve Even With Bad Credit

Five personal loans that accept bad credit, with minimum scores as low as 580 or none at all. Fast funding and flexible terms make these options worth exploring.

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5 Loans That Approve Even With Bad Credit

By Danielle Cho

Getting denied for a personal loan can be frustrating — but not all lenders play by the same rules. These 5 options are known to work with credit scores as low as 580 (some even lower).

Upstart

Min. Score: 580
Unique Perk: Considers education and employment, not just credit
Funding Time: 1 business day

OneMain Financial

Min. Score: No minimum
Unique Perk: In-person branches for cash pickup
Funding Time: Same day possible

Avant

Min. Score: 580
Unique Perk: Flexible repayment terms
Funding Time: Next-day funding

OppLoans

Min. Score: None
Unique Perk: No credit check required
Funding Time: Same or next day
Caution: Higher interest rates — best for short-term use only

LendingPoint

Min. Score: 600
Unique Perk: Lower APR than many “bad credit” lenders
Funding Time: 1–2 business days

Pro Tip: Even with poor credit, always compare APR, fees, and total cost — not just the monthly payment.

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