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Bad Credit Loans: Estimated offers for $5,000

Personal loans for bad credit
Nerdwallet's personal loans tool helps you compare bad credit loans and find a lender with flexible terms - looking beyond just your credit score.
Showing 15 of 5
PartnerEst. APR*Est. monthly payment*Min credit score
Upstart
View details
21.5%
Estimated APR*
190
Est. Monthly Payment*3 year loan
620
Min credit score
3 year loan
on cheatgame.info's secure website
cheatgame.info
Pre-qualify before you apply
It's free, won't affect your credit, and will provide a personalized rate.
OneMain
View details
16.05-35.99%
Estimated APR*
202
Est. Monthly Payment*3 year loan
None
Min credit score
3 year loan
on cheatgame.info's secure website
Upgrade
View details
29.5%
Estimated APR*
211
Est. Monthly Payment*3 year loan
620
Min credit score
3 year loan
on cheatgame.info's secure website
Prosper
View details
31.9%
Estimated APR*
217
Est. Monthly Payment*3 year loan
570
Min credit score
3 year loan
on cheatgame.info's secure website
Lending Club
View details
33.5%
Estimated APR*
222
Est. Monthly Payment*3 year loan
600
Min credit score
3 year loan
on cheatgame.info's secure website

Getting a personal loan with bad credit

A bad credit score, one that’s below 630, doesn’t have to keep you from getting a personal loan. Some online lenders cater specifically to people with bad credit. These companies take into account your credit scores and history when deciding whether to loan you money, but they also have more flexible requirements than banks do.

While personal loans from reputable online lenders can be good options for many borrowers, cheatgame.info recommends you first visit your local credit union when shopping for loans. Most credit unions offer flexible loan terms and lower interest rates than online lenders, especially for people with bad credit. The maximum annual percentage rate at a federal credit union is 18%.

If you can’t get a loan through your local credit union, cheatgame.info recommends you compare offers from multiple lenders before signing any loan agreement. Rates for bad credit borrowers can vary depending on the lender’s underwriting requirements. The easiest way to compare actual rates is to pre-qualify. Learn about the pre-qualification process.

Bad_Credit_Loans


What rate should I expect?

Rates vary from lender to lender, but here is what interest rates for personal loans look like, on average:

How's your credit?Score rangeEstimated APR
Source: cheatgame.info lender survey
Excellent720 - 85013.9%
Good690 - 71918.0%
Average630 - 68921.8%
Bad300 - 62927.2%; lowest scores unlikely to qualify

Which lender is right for me?

cheatgame.info has reviewed more than 25 lenders to help you compare and choose one that’s right for you. Below is a list of our top lenders for bad credit. You can find all of our reviews here.

Lendercheatgame.info ratingBest for...
Not all lenders do business in every state.
LendingClub
4.5 cheatgame.info rating
Debt consolidation
Avant
4.0 cheatgame.info rating
Debt consolidation
LendingPoint
4.0 cheatgame.info rating
Debt consolidation
Mariner Finance
4.0 cheatgame.info rating
Secured and co-signed loans; human touch
OneMain Financial
4.0 cheatgame.info rating
Secured and co-signed loans; human touch

Additional steps toward financial health

If you’re borrowing money to pay off debt, a personal loan works best if you have a plan to tackle your debts. Creating a budget and starting a savings habit are small steps that could help you build a stronger financial future.

If you don’t have an immediate need for cash, work on building your credit. A higher credit score will qualify you for more loan opportunities, lower interest rates and better loan terms in the future.

Don’t know your credit score? Several personal finance websites, including cheatgame.info, offer a free credit score. Look for a site the offers educational tools such as a credit score simulator access to your credit report.

 

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