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Personal Loans Reviews
The Best Loans for Fair Credit
PenFed offers the top loans to help you improve or repair your home
By Jacob Wade
Updated January 10 2023
Read by Cierra Murry
Fact checked by Matthew M Klammer
The Process We Follow Advertiser Disclosure help millions of readers find the most beneficial personal loans by using an independent review process. Advertisers are not a factor in our selections. We may earn compensation when you make a purchase from a partner we recommend.
38 Lenders reviewed
40 Loan features considered
8 Best of awards
Personal loans can be a great method to consolidate your debts or to pay for an upcoming expense. You can apply in just minutes, and have the funds in a matter of days, and most loans don't require collateral to qualify.
The problem is that even if you don't have the highest rating on your credit, you may be difficult to get a loan. Whether you have debts that have gone to collections, or simply don't have a strong credit history or credit score, your loan options are more limited with poor credit.
There are a variety of companies that offer personal loans to those with fair creditscores, and some even allow co-signers as well as co-applicants to ensure you qualify. We looked over a variety of personal loan firms and identified the top lenders who offer loans to those who have low credit scores and less than perfect credit history.
The Best Loans for Fair Credit in February 2023
Credit Score
The Loan Amount
Company
APR
Credit Score est.
Amount of Loan
More Details
Best Overall
PenFed Credit Union
4.7
APR Range
7.74% - 17.99%
650
The lender has not disclosed the minimum credit score requirements.
$600 - $50,000
Read More
Check Rates
Ideal for Military Personnel
Navy Federal Credit Union
4
APR Range
7.49% - 18.00%
600
The lender has not disclosed its minimum credit score specifications.
$250 - $50,000
Read More
Check Rates
The best option for flexible terms
Discover
4.2
APR Range
6.99% - 24.99%
660
This lender does not disclose its minimum credit score specifications.
$2,500 - $35,000
Check out the Details
Check Rates
Best for Small Loan Amounts
Upgrade
4.3
APR with Autopay Discount
7.96% - 35.97%
560
This lender does not disclose the minimum credit score criteria.
$1,000 - $50,000
Check out the Details
Check Rates
Best for Quick Financing
Rocket Loans
4
APR with Autopay Discount
8.42% - 29.99%
Not Disclosed
This lender does not disclose their minimum credit specifications.
$2,000 - $45,000
Read More
Check Rates
The best option for debt consolidation
Reach your goals
APR Range
7.99% - 29.99%
Not Disclosed
The lender has not disclosed the minimum credit score criteria.
$5,000 - $50,000
See Details
Check Rates
Best for Fees at Low Costs
LendingPoint
3.6
APR Range
7.99% - 35.99%
580
The lender has not disclosed the minimum credit score specifications.
$2,000 - $36,500
See Details
Check Rates
Ideal for large loan amounts
LightStream
4
APR Range
6.99% - 23.99%
660
The lender has not disclosed the minimum credit score criteria.
$5,000 - $100,000
See Details
Check Rates
Best Loans for Fair Credit
Our Top Picks
PenFed Credit Union
Navy Federal Credit Union
Discover
Upgrade
Rocket Loans
Reach your goals
LendingPoint
LightStream
Read More (5)
Compare Providers
Final Verdict
How to Select
FAQ
Methodology
Best Overall PenFed Credit Union
The Rating of Investopedia
4.7
PenFed Credit Union
APR Variation: 7.74% - 17.99%
The loan will be received in 1 day
The loan amount is $600 to $50,000
Check Rates
Pros & Cons
Pros
Credit score minimum of 650
Funding may be received within a single day
Borrow $600 up to $50,000
Cons
PenFed membership required
The Reasons We Choose Them?
PenFed is our best all-around choice for fair credit personal loans which offer loans starting at just $600, with competitive rates and a comparatively low 650 credit score required to be eligible. PenFed is a credit union that provides banking services as well as loans to its members. It is necessary to sign up with PenFed to qualify for a loan but membership is free.
PenFed offers pre-qualification on all personal loans which means you can fill out a quick application and see the rate of your loan without affecting your credit score. It is possible to pre-qualify for a loan without being a member just to check your rate however, you must to join to actually receive funding.
PenFed is also not charged any loan charges, including the origination fee or penalties for prepayment. And though co-signers are not allowed, co-applicants arepermitted, meaning you can have someone else apply with you to make it easier for you to qualify. Overall, PenFed offers great loan rates, with no fees and a minimum credit requirement to get an loan.
Qualifications
Be a PenFed member
Living In the United States
Be the age of majority, as determined by the state in which you reside.
Be a United States citizen (PenFed does not support non-citizen permanent residents)
Minimum credit score of 700
Qualify based on financial history, credit history, and various other factors
Review the full PenFed Personal Loans at Credit Union Review
Best to Military Members Navy Federal Credit Union
Investopedia's Rating
4.0
Navy Federal Credit Union logo
APR Band: 7.49% - 18.00%
Time To Receive Loan Date To Receive Loan: 0 days
The loan amount is $250 to $50,000
Check Rates
Pros and Cons
Pros
There are no origination or prepayment charges.
Flexible loan conditions
Low minimum loan amount
Cons
No pre-qualification available
The requirement for membership
The Reasons We Choose It
Navy Federal is a credit institution that is accessible to all military members and their families. Navy Federal offers personal loans with low rates, repay terms up to 15 years, and no origination fees. The minimum score for credit is not to apply, although your credit history will play a role during loan approval.
Navy Federal offers a few various loan options, including personal loans as well as home improvement loans and even secured loans. Although shorter-term loans offer low rates (under 8 percent APR), longer term loans have an APR that is higher (over 14 percent for loans that last greater than 3 years).
Navy Federal also requires higher minimums for longer-term loans that include a $25,000 minimum for loan durations of more than five years and a minimum of $30,000 for loans over seven years. There is no pre-qualification which means you'll have to complete a full application to see your rates.
Navy Federal is a great option for military members to obtain personal loans even for those with bad credit. You must however be a Navy Federal member to apply.
Qualifications
Be a Navy Federal member
At least be the age of majority in your state
You must be a United States citizen, eligible permanent resident, or non-permanent of an alien
You can reside in any of the 50 U.S. states or Washington, D.C.
Credit history as well as income and other financial variables
Read the entire review of the Navy Federal Credit Union personal loans
The best option for flexible terms.
The Rating of Investopedia
4.2
Discover Bank
APR Range: 6.99% - 24.99%
Time To Receive Loan: 1 day
Loan Amount: $2,500 - $35,000
Check Rates
Pros and Pros and
Pros
The loan terms can be as long as 7 years
No application, origination or prepayment fee
Low interest rates
Cons
Late payment charge of $39
Co-signers and applicants are not allowed.
The Reasons We Choose Them?
Discover provides individuals with loans at low-interest rates to applicants who have a minimum credit score of 660. Discover loans can be repaid in 36 months to 84 months, and there are no fees for making an application or funding your loan. Rates are also the same regardless of which term length you choose to apply for.
Discover provides loans beginning at $2,500 and going up to $35,000. Rates starting as low as 6.99 percent. The interest rate is lower than other lenders, and even the maximum of 24.99 percent isn't that bad compared to others. Discover loans are ideal for consolidating debt or other small to medium-sized needs.
Discover does not allow co-signers or co-applicants for personal loans and you must have a good credit score and income to be able to get one on your own. And though there are no charges for application or origination, Discover does charge a late fee of $39 even if you're only one day in late.
Qualifications
Be a U.S. citizen or permanent resident
Be at least 18 years old
You must have a minimum household income of at least $25,000
Qualify based on financial history including credit score, other factors
Read through the Full Discover Personal Loans Review
Ideal for small loan amounts Upgrade
Investopedia's Rating
4.3
Upgrade
APR Range: 7.96% - 35.97%
The Loan Receiver's Time One day
The Loan Amount The loan amount is $1,000 to $50,000.
Check Rates
Pros and Pros and
Pros
Credit score that is low minimum of 560
The next-day financing is available
Co-applicants allowed
Cons
1.85% to 8.99 1.85% to 8.99
Late payment fee of $10
The Reasons We Choose Them?
Upgrade gives personal loans starting at just $1,000 With a minimal suggested minimum credit score of 560. This presents an opportunity for many more applicants to get approved However, be aware that borrowers with poor credit are more likely to incur higher fees and rates. However, if you do have bad credit it is possible to apply using an additional applicant to help you to get a better deal.
The application process is easy, with the ability to get pre-qualified within a couple of minutes, to check the rates you are eligible for and loan options. It is then possible to submit the application online, and get your funds within a couple of days. The terms of loans range from 24 months to 84 months. Rates begin at 7.96%.
Upgrade fees include an origination charge, which is taken directly from the loan balance. The fee is up to 8.99%, which can be expensive on larger loans. And there is the late fee for those who pay at least 15 days late. However, it's only 10 dollars, so it's relatively small. Overall, the Upgrade service simplifies the process of getting an loan simple and is a good option for those who don't have the greatest credit score.
Qualifications
Be an U.S. citizen or permanent resident, or living inside the U.S. on a valid visa
At the age of 18 (19 years old in Alabama and some other states)
Provide a verifiable bank account
Provide a valid email address.
Borrow a minimum of $1,000
Have a recommended minimum credit score of 560
You can qualify based on your credit usage, history of credit and payment history
Apply with a qualifying co-applicant If needed
Most suitable for Rapid Funding Rocket Loans
the Rating of Investopedia
4.0
Rocket Loans
APR Band: 8.42% - 29.99 percent
The Loan Receiver's Time Date To Receive Loan: 0 days
The Loan Amount: $2,000 - $45,000
Check Rates
Pros & Cons
Pros
Financing available on the same day
Pre-qualification available
You only need a credit score
Cons
A charge for origination up to 7 %
There are only two repayment terms
Why We Chose This?
Rocket Loans offers same-day funding for personal loans which allows you to borrow up to $45,000 quickly. If you have completed your application and the promissory notes are signed by 1 p.m. Eastern Time, the funds will be deposited in your account that next day.
Rocket Loans offers loans to borrowers with credit scores as low as 580, and rates begin at 8.416 percent, though those who have less credit tend to not have the best rates. Loans start as low as $2,000 and customers can only choose between 36-month or 60-month terms for repayment.
Rocket Loans does charge up to 7% of an charge for origination, and rates can be as high as 29.99 percent. All in all, Rocket Loans is a excellent option for those who require cash quickly however be sure to keep an eye on fees and compare overall costs to other lenders.
Qualifications
Be at minimum 18 years old
You must be an U.S. resident
The monthly income is reviewed
Tax forms may be looked over
Debt-to-income ratio (DTI) is examined
Overall credit history and credit score are evaluated
Check out the Full Rocket Loans Personal Loans Review
Best for Debt Consolidation Achieve
Achieve
APR Variation: 7.99% - 29.99 percent
The Loan Amount: $5,000 $50,000
Check Rates
Pros & Cons
Pros
Pays off creditors directly
A minimum credit score of 620
Multiple loan discounts available
Cons
Cost of origin up to 6.99 Percent
$5,000 minimum
Why We Decided to Choose Them?
Achieve (formerly Freedom Plus) provides personal debt consolidation loans to borrowers with good credit scores, having an average credit score of at least 620 to be eligible. The loans can be repaid within two business days. There are a variety of loan discounts to choose from. There's a discount for applying with a co-applicant or even a discount if you permit Achieve to make payments directly to your creditor while consolidating your debt.
Loans are available from $5,000 to $50,000 total The rates start at 7.99 percent. Multiple debts can be combined into a single loan which can help lower your interest rates as well as simplifying your monthly payments.
Achieve has an origination fee, ranging between 1.99% to 6.99%, which is why it is essential to estimate the cost before completing your application. You can get pre-qualified for the loan within a couple of minutes online, to view the rates you will be charged and loan terms.
If you are hoping to pay off your debts Achieve is a good take a look.
Qualifications
Be an U.S. citizen or permanent resident
You must be at minimum 18 years old
Have an active Social Security number
Document your earnings and employment
Show proof of identity
The criteria for determining eligibility are based on your financial history as well as credit score and other aspects
The best for low fees LendingPoint
the Rating of Investopedia
3.6
Lending point logo
APR Range: 7.99% - 35.99%
Time To Receive Loan: 1 day
Loan Amount from $2,000 to $36,500
Check Rates
Pros & Cons
Pros
Origination fee waived for some
No application or prepayment fees
Interest rates start at 7.99%
Cons
You can only borrow up to $36,500
No co-applicants or co-signers
Why We Chose It
LendingPoint offers personal loans with minimal fees as well as low rates of interest. There are no application or prepayment charges, and some applicants may be eligible for the origination fee waived as well.
Loans are available from $2,000 up to $36,500, and the interest rates start at only 7.99 percent. Repayment terms for loans are available from 24 months up to 72 months, and you can apply for pre-qualification to determine your rates and terms, without harming your credit score.
There's no minimum credit score required to be eligible, but you can't apply for a co-signer, or co-applicant. So you'll have to be able to make the decision by yourself. LendingPoint is a good option for borrowers with fair credit to reduce charges on smaller loans.
Qualifications
You must be 18 or older
Provide a U.S federal, state, or local government-issued photo ID
You must have an Social Security number
Have a minimum annual income of $35,000 (from retirement, employment or any other source)
Have a verifiable personal banking account that is in your name
Not reside in Nevada or West Virginia
Ideal for Loans with high amounts LightStream
the Rating of Investopedia
4.0
LightStream
APR Range: 6.99% - 23.99 Percent
Time To Receive Loan Date To Receive Loan: 0 days
The loan amount is $5,000 to $100,000
Check Rates
Pros & Cons
Pros
Borrow up to $100,000
No fees on loans
Same-day funding available
Low rates available
Cons
Must borrow at least $5,000
No prior qualification
Why We Chose This?
LightStream is part of Truist Bank, and offers personal loans that can be up to $100,000 in total. Customers can select between a range of repayment timeframes (up 12-years in length). There are no fees on LightStream loans which includes no application, origination or prepayment fees, nor late payment charges. It's recommended that you have a minimum credit score for the best chances of getting approved.
LightStream provides an online application procedure, and the funds could be received on the same business day if you complete your application and verification by the time of 2:30 p.m. ET. It is not possible to apply at a Truist Bank location, as LightStream is a different company that offers only online loans.
LightStream applicants are able to apply for co-borrowers, which can increase the likelihood of being approved and getting a better rate. However, LightStream does not offer pre-qualification, which means you need to submit a completed application to find out the loan rates and conditions.
If you're looking for an extensive personal loan, LightStream is a good choice.
Making an application can result in a hard credit pull, which can negatively impact your credit score.
Qualifications
You must be at least of majority in your state
You must be a U.S. citizen, eligible permanent resident, or non-permanent foreign
You can reside in any fifty U.S. states or Washington, D.C.
Minimum credit score recommended for 666
The criteria for determining eligibility are based on your financial history as well as credit score and other aspects
Review the Full LightStream Personal Loans Review
Compare the Best Loans to Fair Credit of February 2023
Overall Rating
Best For
APR Range
Average Origination Fee
Late Fee
Time to Receive Loan
Amount of Loan
The Most Recent Repayment
Reset All
PenFed Credit Union
4.7
Overall, the Best
7.74% - 17.99%
0.00%
$29.00
1 day
$600 - $50,000
60 months
Check Rates
Hide, not me!
Navy Federal Credit Union
4.0
Ideal for Military Personnel
7.49% - 18.00%
0.00%
$29.00
0 days
$250 - $50,000
180 months
Check Rates
Hide, not for me
Discover
4.2
Ideal for flexible terms
6.99% - 24.99%
0.00%
$39.00
1 day
$2,500 - $35,000
84 months
Check Rates
Hide, not me!
Upgrade
4.3
Ideal for small loan amounts
7.96% - 35.97%
1.85%-8.99%
$10.00
1 day
$1,000 - $50,000
84 months
Check Rates
Hide, not for me!
Rocket Loans
4.0
Best for Quick Financing
8.42% - 29.99%
1.00% - 7.00%
$15.00
0 days
$2,000 - $45,000
60 months
Check Rates
Hide, not me!
Achieve
Ideal for Debt Consolidation
7.99% - 29.99%
N/A
N/A
N/A
$5,000 - $50,000
5 Years
Check Rates
Hide, not for me
LendingPoint
3.6
The best for low fees
7.99% - 35.99%
0.00% - 8.00%
$0.00 - $30.00
1 day
$2,000 - $36,500
72 months
Check Rates
Hide, not me!
LightStream
4.0
The best option for high loan amounts
6.99% - 23.99%
0.00%
$0.00
0 days
$5,000 - $100,000
120 months
Check Rates
Hide, not for me!
*APR ranges for certain businesses include a discount for automatic payments or customers of existing banks.
Final Verdict
If you're not able to get a better credit score, there are still plenty of options for personal loans. Some companies do not require excellent credit, and applying with an co-signer or co-applicant can boost your chances of obtaining a loan and receiving a lower rate.
PenFed provides excellent rates and flexible loan terms for borrowers, and all you require is at least 650 credit scores to apply. There aren't any hidden charges or expensive origination charges for personal loans, making them a cheaper option than other lenders. The other choices on this list are great for specific needs and those who are seeking a lender who can work with their personal financial situation.
How to Choose the Best Personal Loans for Fair Credit
Do you need to get a fair Credit Personal loan?
If you're in good standing and you're thinking about getting a personal loan There are a few factors you need to think about prior to making the decision. One of the primary considerations are why you need the loan, how quickly you'll be able to repay it, what you can afford, and if you can get a loan that you qualify for.
What you should consider when you take out a loan: A personal loan could be a viable option for an unplanned expense that you wish to pay in the future or need to consolidate debt into a smaller fixed-rate payment. It's better than a credit line for these purposes because you'll be able to pay off the loan in full at the completion of the repayment and will usually get an interest rate that is lower.
How quickly the loan is able to be paid back: If you think you'll be able pay off the money you're borrowing very quickly (e.g., in the span of a few weeks or even months), then you may be able to use credit cards to pay for the cost. If you require more time to pay (e.g. between two and seven years) then a personal loan is the better option.
How much you can manage to afford: Prior to taking a loan among the first things you need to do is make sure you can afford it. Being eligible for an loan and affording it are two distinct aspects. Take a careful look at your budget and ensure you are able to afford the monthly payment before signing the dotted lines.
If you can qualify for the loan: Qualifying for a loan having fair credit can be challenging, especially in the event that you have outstanding delinquencies on your accounts. To increase the chance that you'll get approved, make sure you have all your accounts up to date prior to applying for a loan. If you still can't qualify on your own, you might consider applying with the help of a co-signer.
In the end, the decision to take out a personal loan depends on what's important to you and your financial circumstances.
Comparing the Personal Loan Lenders to ensure Fair Credit
When looking at personal loans for fair credit It is crucial to look at the requirements APR, repayment conditions, and funding speed.
The qualifications: It's more difficult for those with good credit to get loans therefore knowing what you need to do to be eligible for an individual loan is crucial. Many lenders assess the creditworthiness of your score but they'll also take into consideration such factors as income and your ability to pay back the loan and your credit history. To improve your chances of getting approved, make sure that you are able to afford the loan and that you do not have any outstanding accounts.
Annual percentage rate (APR): When looking at loans ensure that you examine the APR, not the interest rate. Unlike the interest rate, it is important to note that the APR also includes charges you'll have to pay. For instance, many lenders charge origination charges, which are usually reflected into the APR. When looking at APRs across various loans and the impact of these fees are taken into account.
Repayment terms: Make sure that your lender choose provides the length of repayment you want. Many lenders offer limited terms for repayment of 36 or 60 months. However, if you need longer or shorter timeframe to pay back your loan then you might be able to locate an option with the option of a shorter period of one year or less or longer terms of up to 180 months.
Fast funding speed: If need money quickly, look for a lender that can fund you in a just a few days. A lot of the top personal loan companies can get you funded as quickly as the next business day after the loan is approved.
How to apply for a Fair Credit Personal Loan
The basic steps you'll need to follow to apply for fair credit personal loan are:
Send a pre-application with the basic information you have about yourself and the loan
Review introductory offers from your lender and determine if you want to proceed
Accept a hard credit check and then submit a complete application
Review and accept the terms and conditions offered by the lender
Include any additional information requested by the lender (e.g. Pay stubs, tax returns)
You can receive funds as early as the next day or as long as several days after submitting your application.
Create an online account with the lender to oversee your loan
Provide Basic Information
If you're willing to apply for an individual loan, the next step will be to fill out an application. It is typical to share information about why you need the funds, the amount of money you'd like to borrow, as well as how many years you'll need to repay the loan. As part of the process you'll also have to share personally identifiable information (e.g., you Social Security number and birthdate) together with details about your earnings.
Examine the Preliminary Offers and agree to an Hard Credit Check
After your initial application has been submitted, some lenders will run a soft credit check to verify your credit and let you know the rates and terms that you can receive. After you've had the chance to review loan options and choose the one you want will the lender proceed to the complete application and hard credit check. Certain lenders don't provide pre-qualification and will require that you fill out a full application and undergo an inquiry into your credit to determine your loan possibilities. It is important to understand when and how your credit will be analyzed at the onset.
Accept the Terms and provide Additional Information
Once the lender has assessed your creditscore, you could be asked to provide some other information so they can confirm your income and identity. For instance, you might be required to provide tax returns or pay stubs as well as your driver's license. Keep in mind, the more accurately you fill out your application and the faster you can submit the required information, the quicker your loan can be approved and financed.
Get Funding and Manage Your Account Online
Once the lender is finished reviewing your application after which they'll notify you if you're approved and provide details about the terms of your loan--e.g. rates or fees, repayment conditions and so on. Once you've accepted the terms, then you'll be able to receive your funds the manner you specified in your application; usually you'll have the option of requesting that the money be transferred to your bank account or sent directly to existing creditors. In some cases, this happens as soon as the day you apply. However, it can be a few days.
The only thing left to do is take control of your loan and make your monthly payment. Most lenders allow you to manage your account online via the portal for customers or through an online application.
What is considered Fair Credit?
The majority of credit scores are between 300 to 850 and higher scores considered better than lower scores. What constitutes fair credit is determined by the bureau that handles credit. Fair FICO credit scores range from 580 to 669, while fair VantageScore credit scores range from 600 to 660.1
It is a little higher than a poor credit score. This is generally anything below 579 (FICO) and 499 or below (VantageScore).
Is it possible to get a personal loan if I have fair Credit?
The possibility of getting a loan when you have good credit is largely dependent on the reason your credit score is low. If it's because of past due accounts being repaid, it will raise your credit score. In addition, paying future installments punctually could improve your credit score.
If you have decent credit due to an event beyond a current delinquency, it may not be as big of a problem. For example If all of your accounts are up to date, but you have the history of medical collection or a number of outstanding credit card debts, you could be able to qualify for a better deal.
If you're in a position to prove that you are able to pay for your debt and that the issue that led to the lower score isn't recurring or is fixable with this newly approved loan (e.g. that you're consolidating your credit card debt) If you can do that, the new lender may accept your credit score.
What are the steps I can take to boost my credit score?
Achieving a better credit score could make a huge difference in helping you qualify for an individual loan and get a better rate of interest. If you're not happy with your credit score but you're not unhappy, you can take steps to improve it. It takes some time to boost your score on credit, however here are three strategies to help you start:
Make sure to check Your Credit Reports
You're entitled to receive complimentary copies of credit reports at the 3 credit-reporting agencies (Experian, TransUnion, and Equifax) every year. You can get your free credit reports by visiting AnnualCreditReport.com. Even if there aren't any problems with your credit, it's an excellent idea to examine your credit report annually to ensure that there aren't any errors and to ensure that you're not a person who has been the victim of identity theft.2
Reduce Your Credit Card Balances
The relationship between your credit card limit and balances, also known as the credit utilization ratio is crucial when your credit score is involved. Your ratio increases as you get closer to maxing out your credit cards and is an obstacle to your score. Your credit score might increase if you lower your credit utilization ratio by paying off your card balances.
Make Payments on Time
Even if you've never been able to pay all your bills punctually in the past, too late to start doing it today. This is important since your past payment records can add up to 35% in the FICO credit score.3 The process of creating a budget can be an excellent place to begin when you're struggling to pay your bills on time. By doing so you'll find out if make enough money to cover your expenses and begin making decisions about what expenses you can reduce.
Methodology
Investopedia is dedicated to providing its users with objective complete reviews of personal loan lenders. To assess lenders, we collected many data elements across more than 40 lenders. This includes fees, interest rates, loan amounts, and repayment terms to ensure that our reviews help consumers make educated choices for their needs with regard to borrowing.
Man in his late 20s wearing glasses working on his personal financial matters at home
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Personal Loans Reviews
The Best Loans for Fair Credit
PenFed offers the top loans to help you improve or repair your home
By Jacob Wade
Updated January 10 2023
Read by Cierra Murry
Fact checked by Matthew M Klammer
The Process We Follow Advertiser Disclosure help millions of readers find the most beneficial personal loans by using an independent review process. Advertisers are not a factor in our selections. We may earn compensation when you make a purchase from a partner we recommend.
38 Lenders reviewed
40 Loan features considered
8 Best of awards
Personal loans can be a great method to consolidate your debts or to pay for an upcoming expense. You can apply in just minutes, and have the funds in a matter of days, and most loans don't require collateral to qualify.
The problem is that even if you don't have the highest rating on your credit, you may be difficult to get a loan. Whether you have debts that have gone to collections, or simply don't have a strong credit history or credit score, your loan options are more limited with poor credit.
There are a variety of companies that offer personal loans to those with fair creditscores, and some even allow co-signers as well as co-applicants to ensure you qualify. We looked over a variety of personal loan firms and identified the top lenders who offer loans to those who have low credit scores and less than perfect credit history.
The Best Loans for Fair Credit in February 2023
Credit Score
The Loan Amount
Company
APR
Credit Score est.
Amount of Loan
More Details
Best Overall
PenFed Credit Union
4.7
APR Range
7.74% - 17.99%
650
The lender has not disclosed the minimum credit score requirements.
$600 - $50,000
Read More
Check Rates
Ideal for Military Personnel
Navy Federal Credit Union
4
APR Range
7.49% - 18.00%
600
The lender has not disclosed its minimum credit score specifications.
$250 - $50,000
Read More
Check Rates
The best option for flexible terms
Discover
4.2
APR Range
6.99% - 24.99%
660
This lender does not disclose its minimum credit score specifications.
$2,500 - $35,000
Check out the Details
Check Rates
Best for Small Loan Amounts
Upgrade
4.3
APR with Autopay Discount
7.96% - 35.97%
560
This lender does not disclose the minimum credit score criteria.
$1,000 - $50,000
Check out the Details
Check Rates
Best for Quick Financing
Rocket Loans
4
APR with Autopay Discount
8.42% - 29.99%
Not Disclosed
This lender does not disclose their minimum credit specifications.
$2,000 - $45,000
Read More
Check Rates
The best option for debt consolidation
Reach your goals
APR Range
7.99% - 29.99%
Not Disclosed
The lender has not disclosed the minimum credit score criteria.
$5,000 - $50,000
See Details
Check Rates
Best for Fees at Low Costs
LendingPoint
3.6
APR Range
7.99% - 35.99%
580
The lender has not disclosed the minimum credit score specifications.
$2,000 - $36,500
See Details
Check Rates
Ideal for large loan amounts
LightStream
4
APR Range
6.99% - 23.99%
660
The lender has not disclosed the minimum credit score criteria.
$5,000 - $100,000
See Details
Check Rates
Best Loans for Fair Credit
Our Top Picks
PenFed Credit Union
Navy Federal Credit Union
Discover
Upgrade
Rocket Loans
Reach your goals
LendingPoint
LightStream
Read More (5)
Compare Providers
Final Verdict
How to Select
FAQ
Methodology
Best Overall PenFed Credit Union
The Rating of Investopedia
4.7
PenFed Credit Union
APR Variation: 7.74% - 17.99%
The loan will be received in 1 day
The loan amount is $600 to $50,000
Check Rates
Pros & Cons
Pros
Credit score minimum of 650
Funding may be received within a single day
Borrow $600 up to $50,000
Cons
PenFed membership required
The Reasons We Choose Them?
PenFed is our best all-around choice for fair credit personal loans which offer loans starting at just $600, with competitive rates and a comparatively low 650 credit score required to be eligible. PenFed is a credit union that provides banking services as well as loans to its members. It is necessary to sign up with PenFed to qualify for a loan but membership is free.
PenFed offers pre-qualification on all personal loans which means you can fill out a quick application and see the rate of your loan without affecting your credit score. It is possible to pre-qualify for a loan without being a member just to check your rate however, you must to join to actually receive funding.
PenFed is also not charged any loan charges, including the origination fee or penalties for prepayment. And though co-signers are not allowed, co-applicants arepermitted, meaning you can have someone else apply with you to make it easier for you to qualify. Overall, PenFed offers great loan rates, with no fees and a minimum credit requirement to get an loan.
Qualifications
Be a PenFed member
Living In the United States
Be the age of majority, as determined by the state in which you reside.
Be a United States citizen (PenFed does not support non-citizen permanent residents)
Minimum credit score of 700
Qualify based on financial history, credit history, and various other factors
Review the full PenFed Personal Loans at Credit Union Review
Best to Military Members Navy Federal Credit Union
Investopedia's Rating
4.0
Navy Federal Credit Union logo
APR Band: 7.49% - 18.00%
Time To Receive Loan Date To Receive Loan: 0 days
The loan amount is $250 to $50,000
Check Rates
Pros and Cons
Pros
There are no origination or prepayment charges.
Flexible loan conditions
Low minimum loan amount
Cons
No pre-qualification available
The requirement for membership
The Reasons We Choose It
Navy Federal is a credit institution that is accessible to all military members and their families. Navy Federal offers personal loans with low rates, repay terms up to 15 years, and no origination fees. The minimum score for credit is not to apply, although your credit history will play a role during loan approval.
Navy Federal offers a few various loan options, including personal loans as well as home improvement loans and even secured loans. Although shorter-term loans offer low rates (under 8 percent APR), longer term loans have an APR that is higher (over 14 percent for loans that last greater than 3 years).
Navy Federal also requires higher minimums for longer-term loans that include a $25,000 minimum for loan durations of more than five years and a minimum of $30,000 for loans over seven years. There is no pre-qualification which means you'll have to complete a full application to see your rates.
Navy Federal is a great option for military members to obtain personal loans even for those with bad credit. You must however be a Navy Federal member to apply.
Qualifications
Be a Navy Federal member
At least be the age of majority in your state
You must be a United States citizen, eligible permanent resident, or non-permanent of an alien
You can reside in any of the 50 U.S. states or Washington, D.C.
Credit history as well as income and other financial variables
Read the entire review of the Navy Federal Credit Union personal loans
The best option for flexible terms.
The Rating of Investopedia
4.2
Discover Bank
APR Range: 6.99% - 24.99%
Time To Receive Loan: 1 day
Loan Amount: $2,500 - $35,000
Check Rates
Pros and Pros and
Pros
The loan terms can be as long as 7 years
No application, origination or prepayment fee
Low interest rates
Cons
Late payment charge of $39
Co-signers and applicants are not allowed.
The Reasons We Choose Them?
Discover provides individuals with loans at low-interest rates to applicants who have a minimum credit score of 660. Discover loans can be repaid in 36 months to 84 months, and there are no fees for making an application or funding your loan. Rates are also the same regardless of which term length you choose to apply for.
Discover provides loans beginning at $2,500 and going up to $35,000. Rates starting as low as 6.99 percent. The interest rate is lower than other lenders, and even the maximum of 24.99 percent isn't that bad compared to others. Discover loans are ideal for consolidating debt or other small to medium-sized needs.
Discover does not allow co-signers or co-applicants for personal loans and you must have a good credit score and income to be able to get one on your own. And though there are no charges for application or origination, Discover does charge a late fee of $39 even if you're only one day in late.
Qualifications
Be a U.S. citizen or permanent resident
Be at least 18 years old
You must have a minimum household income of at least $25,000
Qualify based on financial history including credit score, other factors
Read through the Full Discover Personal Loans Review
Ideal for small loan amounts Upgrade
Investopedia's Rating
4.3
Upgrade
APR Range: 7.96% - 35.97%
The Loan Receiver's Time One day
The Loan Amount The loan amount is $1,000 to $50,000.
Check Rates
Pros and Pros and
Pros
Credit score that is low minimum of 560
The next-day financing is available
Co-applicants allowed
Cons
1.85% to 8.99 1.85% to 8.99
Late payment fee of $10
The Reasons We Choose Them?
Upgrade gives personal loans starting at just $1,000 With a minimal suggested minimum credit score of 560. This presents an opportunity for many more applicants to get approved However, be aware that borrowers with poor credit are more likely to incur higher fees and rates. However, if you do have bad credit it is possible to apply using an additional applicant to help you to get a better deal.
The application process is easy, with the ability to get pre-qualified within a couple of minutes, to check the rates you are eligible for and loan options. It is then possible to submit the application online, and get your funds within a couple of days. The terms of loans range from 24 months to 84 months. Rates begin at 7.96%.
Upgrade fees include an origination charge, which is taken directly from the loan balance. The fee is up to 8.99%, which can be expensive on larger loans. And there is the late fee for those who pay at least 15 days late. However, it's only 10 dollars, so it's relatively small. Overall, the Upgrade service simplifies the process of getting an loan simple and is a good option for those who don't have the greatest credit score.
Qualifications
Be an U.S. citizen or permanent resident, or living inside the U.S. on a valid visa
At the age of 18 (19 years old in Alabama and some other states)
Provide a verifiable bank account
Provide a valid email address.
Borrow a minimum of $1,000
Have a recommended minimum credit score of 560
You can qualify based on your credit usage, history of credit and payment history
Apply with a qualifying co-applicant If needed
Most suitable for Rapid Funding Rocket Loans
the Rating of Investopedia
4.0
Rocket Loans
APR Band: 8.42% - 29.99 percent
The Loan Receiver's Time Date To Receive Loan: 0 days
The Loan Amount: $2,000 - $45,000
Check Rates
Pros & Cons
Pros
Financing available on the same day
Pre-qualification available
You only need a credit score
Cons
A charge for origination up to 7 %
There are only two repayment terms
Why We Chose This?
Rocket Loans offers same-day funding for personal loans which allows you to borrow up to $45,000 quickly. If you have completed your application and the promissory notes are signed by 1 p.m. Eastern Time, the funds will be deposited in your account that next day.
Rocket Loans offers loans to borrowers with credit scores as low as 580, and rates begin at 8.416 percent, though those who have less credit tend to not have the best rates. Loans start as low as $2,000 and customers can only choose between 36-month or 60-month terms for repayment.
Rocket Loans does charge up to 7% of an charge for origination, and rates can be as high as 29.99 percent. All in all, Rocket Loans is a excellent option for those who require cash quickly however be sure to keep an eye on fees and compare overall costs to other lenders.
Qualifications
Be at minimum 18 years old
You must be an U.S. resident
The monthly income is reviewed
Tax forms may be looked over
Debt-to-income ratio (DTI) is examined
Overall credit history and credit score are evaluated
Check out the Full Rocket Loans Personal Loans Review
Best for Debt Consolidation Achieve
Achieve
APR Variation: 7.99% - 29.99 percent
The Loan Amount: $5,000 $50,000
Check Rates
Pros & Cons
Pros
Pays off creditors directly
A minimum credit score of 620
Multiple loan discounts available
Cons
Cost of origin up to 6.99 Percent
$5,000 minimum
Why We Decided to Choose Them?
Achieve (formerly Freedom Plus) provides personal debt consolidation loans to borrowers with good credit scores, having an average credit score of at least 620 to be eligible. The loans can be repaid within two business days. There are a variety of loan discounts to choose from. There's a discount for applying with a co-applicant or even a discount if you permit Achieve to make payments directly to your creditor while consolidating your debt.
Loans are available from $5,000 to $50,000 total The rates start at 7.99 percent. Multiple debts can be combined into a single loan which can help lower your interest rates as well as simplifying your monthly payments.
Achieve has an origination fee, ranging between 1.99% to 6.99%, which is why it is essential to estimate the cost before completing your application. You can get pre-qualified for the loan within a couple of minutes online, to view the rates you will be charged and loan terms.
If you are hoping to pay off your debts Achieve is a good take a look.
Qualifications
Be an U.S. citizen or permanent resident
You must be at minimum 18 years old
Have an active Social Security number
Document your earnings and employment
Show proof of identity
The criteria for determining eligibility are based on your financial history as well as credit score and other aspects
The best for low fees LendingPoint
the Rating of Investopedia
3.6
Lending point logo
APR Range: 7.99% - 35.99%
Time To Receive Loan: 1 day
Loan Amount from $2,000 to $36,500
Check Rates
Pros & Cons
Pros
Origination fee waived for some
No application or prepayment fees
Interest rates start at 7.99%
Cons
You can only borrow up to $36,500
No co-applicants or co-signers
Why We Chose It
LendingPoint offers personal loans with minimal fees as well as low rates of interest. There are no application or prepayment charges, and some applicants may be eligible for the origination fee waived as well.
Loans are available from $2,000 up to $36,500, and the interest rates start at only 7.99 percent. Repayment terms for loans are available from 24 months up to 72 months, and you can apply for pre-qualification to determine your rates and terms, without harming your credit score.
There's no minimum credit score required to be eligible, but you can't apply for a co-signer, or co-applicant. So you'll have to be able to make the decision by yourself. LendingPoint is a good option for borrowers with fair credit to reduce charges on smaller loans.
Qualifications
You must be 18 or older
Provide a U.S federal, state, or local government-issued photo ID
You must have an Social Security number
Have a minimum annual income of $35,000 (from retirement, employment or any other source)
Have a verifiable personal banking account that is in your name
Not reside in Nevada or West Virginia
Ideal for Loans with high amounts LightStream
the Rating of Investopedia
4.0
LightStream
APR Range: 6.99% - 23.99 Percent
Time To Receive Loan Date To Receive Loan: 0 days
The loan amount is $5,000 to $100,000
Check Rates
Pros & Cons
Pros
Borrow up to $100,000
No fees on loans
Same-day funding available
Low rates available
Cons
Must borrow at least $5,000
No prior qualification
Why We Chose This?
LightStream is part of Truist Bank, and offers personal loans that can be up to $100,000 in total. Customers can select between a range of repayment timeframes (up 12-years in length). There are no fees on LightStream loans which includes no application, origination or prepayment fees, nor late payment charges. It's recommended that you have a minimum credit score for the best chances of getting approved.
LightStream provides an online application procedure, and the funds could be received on the same business day if you complete your application and verification by the time of 2:30 p.m. ET. It is not possible to apply at a Truist Bank location, as LightStream is a different company that offers only online loans.
LightStream applicants are able to apply for co-borrowers, which can increase the likelihood of being approved and getting a better rate. However, LightStream does not offer pre-qualification, which means you need to submit a completed application to find out the loan rates and conditions.
If you're looking for an extensive personal loan, LightStream is a good choice.
Making an application can result in a hard credit pull, which can negatively impact your credit score.
Qualifications
You must be at least of majority in your state
You must be a U.S. citizen, eligible permanent resident, or non-permanent foreign
You can reside in any fifty U.S. states or Washington, D.C.
Minimum credit score recommended for 666
The criteria for determining eligibility are based on your financial history as well as credit score and other aspects
Review the Full LightStream Personal Loans Review
Compare the Best Loans to Fair Credit of February 2023
Overall Rating
Best For
APR Range
Average Origination Fee
Late Fee
Time to Receive Loan
Amount of Loan
The Most Recent Repayment
Reset All
PenFed Credit Union
4.7
Overall, the Best
7.74% - 17.99%
0.00%
$29.00
1 day
$600 - $50,000
60 months
Check Rates
Hide, not me!
Navy Federal Credit Union
4.0
Ideal for Military Personnel
7.49% - 18.00%
0.00%
$29.00
0 days
$250 - $50,000
180 months
Check Rates
Hide, not for me
Discover
4.2
Ideal for flexible terms
6.99% - 24.99%
0.00%
$39.00
1 day
$2,500 - $35,000
84 months
Check Rates
Hide, not me!
Upgrade
4.3
Ideal for small loan amounts
7.96% - 35.97%
1.85%-8.99%
$10.00
1 day
$1,000 - $50,000
84 months
Check Rates
Hide, not for me!
Rocket Loans
4.0
Best for Quick Financing
8.42% - 29.99%
1.00% - 7.00%
$15.00
0 days
$2,000 - $45,000
60 months
Check Rates
Hide, not me!
Achieve
Ideal for Debt Consolidation
7.99% - 29.99%
N/A
N/A
N/A
$5,000 - $50,000
5 Years
Check Rates
Hide, not for me
LendingPoint
3.6
The best for low fees
7.99% - 35.99%
0.00% - 8.00%
$0.00 - $30.00
1 day
$2,000 - $36,500
72 months
Check Rates
Hide, not me!
LightStream
4.0
The best option for high loan amounts
6.99% - 23.99%
0.00%
$0.00
0 days
$5,000 - $100,000
120 months
Check Rates
Hide, not for me!
*APR ranges for certain businesses include a discount for automatic payments or customers of existing banks.
Final Verdict
If you're not able to get a better credit score, there are still plenty of options for personal loans. Some companies do not require excellent credit, and applying with an co-signer or co-applicant can boost your chances of obtaining a loan and receiving a lower rate.
PenFed provides excellent rates and flexible loan terms for borrowers, and all you require is at least 650 credit scores to apply. There aren't any hidden charges or expensive origination charges for personal loans, making them a cheaper option than other lenders. The other choices on this list are great for specific needs and those who are seeking a lender who can work with their personal financial situation.
How to Choose the Best Personal Loans for Fair Credit
Do you need to get a fair Credit Personal loan?
If you're in good standing and you're thinking about getting a personal loan There are a few factors you need to think about prior to making the decision. One of the primary considerations are why you need the loan, how quickly you'll be able to repay it, what you can afford, and if you can get a loan that you qualify for.
What you should consider when you take out a loan: A personal loan could be a viable option for an unplanned expense that you wish to pay in the future or need to consolidate debt into a smaller fixed-rate payment. It's better than a credit line for these purposes because you'll be able to pay off the loan in full at the completion of the repayment and will usually get an interest rate that is lower.
How quickly the loan is able to be paid back: If you think you'll be able pay off the money you're borrowing very quickly (e.g., in the span of a few weeks or even months), then you may be able to use credit cards to pay for the cost. If you require more time to pay (e.g. between two and seven years) then a personal loan is the better option.
How much you can manage to afford: Prior to taking a loan among the first things you need to do is make sure you can afford it. Being eligible for an loan and affording it are two distinct aspects. Take a careful look at your budget and ensure you are able to afford the monthly payment before signing the dotted lines.
If you can qualify for the loan: Qualifying for a loan having fair credit can be challenging, especially in the event that you have outstanding delinquencies on your accounts. To increase the chance that you'll get approved, make sure you have all your accounts up to date prior to applying for a loan. If you still can't qualify on your own, you might consider applying with the help of a co-signer.
In the end, the decision to take out a personal loan depends on what's important to you and your financial circumstances.
Comparing the Personal Loan Lenders to ensure Fair Credit
When looking at personal loans for fair credit It is crucial to look at the requirements APR, repayment conditions, and funding speed.
The qualifications: It's more difficult for those with good credit to get loans therefore knowing what you need to do to be eligible for an individual loan is crucial. Many lenders assess the creditworthiness of your score but they'll also take into consideration such factors as income and your ability to pay back the loan and your credit history. To improve your chances of getting approved, make sure that you are able to afford the loan and that you do not have any outstanding accounts.
Annual percentage rate (APR): When looking at loans ensure that you examine the APR, not the interest rate. Unlike the interest rate, it is important to note that the APR also includes charges you'll have to pay. For instance, many lenders charge origination charges, which are usually reflected into the APR. When looking at APRs across various loans and the impact of these fees are taken into account.
Repayment terms: Make sure that your lender choose provides the length of repayment you want. Many lenders offer limited terms for repayment of 36 or 60 months. However, if you need longer or shorter timeframe to pay back your loan then you might be able to locate an option with the option of a shorter period of one year or less or longer terms of up to 180 months.
Fast funding speed: If need money quickly, look for a lender that can fund you in a just a few days. A lot of the top personal loan companies can get you funded as quickly as the next business day after the loan is approved.
How to apply for a Fair Credit Personal Loan
The basic steps you'll need to follow to apply for fair credit personal loan are:
Send a pre-application with the basic information you have about yourself and the loan
Review introductory offers from your lender and determine if you want to proceed
Accept a hard credit check and then submit a complete application
Review and accept the terms and conditions offered by the lender
Include any additional information requested by the lender (e.g. Pay stubs, tax returns)
You can receive funds as early as the next day or as long as several days after submitting your application.
Create an online account with the lender to oversee your loan
Provide Basic Information
If you're willing to apply for an individual loan, the next step will be to fill out an application. It is typical to share information about why you need the funds, the amount of money you'd like to borrow, as well as how many years you'll need to repay the loan. As part of the process you'll also have to share personally identifiable information (e.g., you Social Security number and birthdate) together with details about your earnings.
Examine the Preliminary Offers and agree to an Hard Credit Check
After your initial application has been submitted, some lenders will run a soft credit check to verify your credit and let you know the rates and terms that you can receive. After you've had the chance to review loan options and choose the one you want will the lender proceed to the complete application and hard credit check. Certain lenders don't provide pre-qualification and will require that you fill out a full application and undergo an inquiry into your credit to determine your loan possibilities. It is important to understand when and how your credit will be analyzed at the onset.
Accept the Terms and provide Additional Information
Once the lender has assessed your creditscore, you could be asked to provide some other information so they can confirm your income and identity. For instance, you might be required to provide tax returns or pay stubs as well as your driver's license. Keep in mind, the more accurately you fill out your application and the faster you can submit the required information, the quicker your loan can be approved and financed.
Get Funding and Manage Your Account Online
Once the lender is finished reviewing your application after which they'll notify you if you're approved and provide details about the terms of your loan--e.g. rates or fees, repayment conditions and so on. Once you've accepted the terms, then you'll be able to receive your funds the manner you specified in your application; usually you'll have the option of requesting that the money be transferred to your bank account or sent directly to existing creditors. In some cases, this happens as soon as the day you apply. However, it can be a few days.
The only thing left to do is take control of your loan and make your monthly payment. Most lenders allow you to manage your account online via the portal for customers or through an online application.
What is considered Fair Credit?
The majority of credit scores are between 300 to 850 and higher scores considered better than lower scores. What constitutes fair credit is determined by the bureau that handles credit. Fair FICO credit scores range from 580 to 669, while fair VantageScore credit scores range from 600 to 660.1
It is a little higher than a poor credit score. This is generally anything below 579 (FICO) and 499 or below (VantageScore).
Is it possible to get a personal loan if I have fair Credit?
The possibility of getting a loan when you have good credit is largely dependent on the reason your credit score is low. If it's because of past due accounts being repaid, it will raise your credit score. In addition, paying future installments punctually could improve your credit score.
If you have decent credit due to an event beyond a current delinquency, it may not be as big of a problem. For example If all of your accounts are up to date, but you have the history of medical collection or a number of outstanding credit card debts, you could be able to qualify for a better deal.
If you're in a position to prove that you are able to pay for your debt and that the issue that led to the lower score isn't recurring or is fixable with this newly approved loan (e.g. that you're consolidating your credit card debt) If you can do that, the new lender may accept your credit score.
What are the steps I can take to boost my credit score?
Achieving a better credit score could make a huge difference in helping you qualify for an individual loan and get a better rate of interest. If you're not happy with your credit score but you're not unhappy, you can take steps to improve it. It takes some time to boost your score on credit, however here are three strategies to help you start:
Make sure to check Your Credit Reports
You're entitled to receive complimentary copies of credit reports at the 3 credit-reporting agencies (Experian, TransUnion, and Equifax) every year. You can get your free credit reports by visiting AnnualCreditReport.com. Even if there aren't any problems with your credit, it's an excellent idea to examine your credit report annually to ensure that there aren't any errors and to ensure that you're not a person who has been the victim of identity theft.2
Reduce Your Credit Card Balances
The relationship between your credit card limit and balances, also known as the credit utilization ratio is crucial when your credit score is involved. Your ratio increases as you get closer to maxing out your credit cards and is an obstacle to your score. Your credit score might increase if you lower your credit utilization ratio by paying off your card balances.
Make Payments on Time
Even if you've never been able to pay all your bills punctually in the past, too late to start doing it today. This is important since your past payment records can add up to 35% in the FICO credit score.3 The process of creating a budget can be an excellent place to begin when you're struggling to pay your bills on time. By doing so you'll find out if make enough money to cover your expenses and begin making decisions about what expenses you can reduce.
Methodology
Investopedia is dedicated to providing its users with objective complete reviews of personal loan lenders. To assess lenders, we collected many data elements across more than 40 lenders. This includes fees, interest rates, loan amounts, and repayment terms to ensure that our reviews help consumers make educated choices for their needs with regard to borrowing.
Man in his late 20s wearing glasses working on his personal financial matters at home
Stephen Zeigler / Getty Image
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