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Personal Loans Review
Best loans for fair Credit
PenFed offers the top loans for helping you improve or repair your home
Jacob Wade Jacob Wade
Updated January 10, 2023
Read by Cierra Murry
Truth checked by Matthew M Klammer
How We Work Advertiser Disclosure We assist millions of readers in finding the best personal loans by using an independent review process and advertisers are not a factor in our selections. We may earn compensation if you visit partners we recommend.
38 Lenders reviewed
40 Loan features considered
8 Best of Awards
Personal loans are a fantastic way to consolidate your credit or cover an expense that is due. The application process takes only minutes and have the money deposited within a few days, and the majority of loans do not require collateral in order to qualify.
The problem is that even if you don't have the most impressive rating on your credit, you could be hard to qualify. If you've had loans that have ended up in collections, or simply do not have a good credit history or credit score, your loan choices are limited without excellent credit.
However, there are many firms that provide personal loans to borrowers with fair credit, and some allow co-signers as well as co-applicants to ensure you meet the requirements. We looked over a variety of personal loan firms and identified the top lenders offering loans to those with lower credit scores and less-than-perfect credit histories.
The best loans for Fair Credit in February 2023
Credit Score
The Loan Amount
Company
APR
Credit Score est.
Amount of Loan
More Information
Best Overall
PenFed Credit Union
4.7
APR Range
7.74% - 17.99%
650
The lender has not disclosed its minimum credit score requirements.
$600 - $50,000
See Details
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
Check out the Details
Check Rates
Best for Flexible Terms
Discover
4.2
APR Range
6.99% - 24.99%
660
This lender doesn't disclose the minimum credit score specifications.
$2,500 - $35,000
See Details
Check Rates
Ideal for small loan amounts
Upgrade
4.3
APR with Autopay Discount
7.96% - 35.97%
560
This lender doesn't disclose its minimum credit score requirements.
$1,000 - $50,000
See Details
Check Rates
Best for Quick Financing
Rocket Loans
4
APR Discount With Autopay
8.42% - 29.99%
Not Disclosed
The lender doesn't disclose the minimum credit score criteria.
$2,000 - $45,000
Check out the Details
Check Rates
Best for Debt Consolidation
Achieve
APR Range
7.99% - 29.99%
Not Disclosed
This lender does not disclose their minimum credit requirements.
$5,000 - $50,000
Read More
Check Rates
Best for Low Fees
LendingPoint
3.6
APR Range
7.99% - 35.99%
580
This lender does not disclose its minimum credit score criteria.
$2,000 - $36,500
Read More
Check Rates
Ideal for large loan amounts
LightStream
4
APR Range
6.99% - 23.99%
660
This lender doesn't disclose their minimum credit criteria.
$5,000 - $100,000
See Details
Check Rates
The 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 Choose
FAQ
Methodology
Best Overall PenFed Credit Union
Investopedia's Rating
4.7
PenFed Credit Union
APR Range: 7.74% - 17.99%
The loan will be received in 1 day
Loan Amount: $600 - $50,000
Check Rates
Pros & Cons
Pros
A credit score of just 650
You could receive funds within a single day
Up to $50,000 can be borrowed.
Cons
PenFed membership required
Why We Chose It
PenFed is our top overall pick in fair-credit personal loans, offering loans starting at only 600 dollars, at competitive rates, and a relatively low 650 credit score to be eligible. PenFed is a national credit union that provides banking services and loans for members. It is necessary to sign up with PenFed in order to be eligible for a loan, but membership is free.
PenFed offers pre-qualification on all personal loans that means you can complete a brief application and check the rate of your loan without affecting the credit rating. You can even pre-qualify without joining to know your rates however you'll need to sign up to get funding.
PenFed does not charge loan fees, such as charges for origination or prepayment penalties. Although co-signers aren't allowed, co-applicants are, meaning you can have someone else apply with you to help you 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 defined by the state in which you reside.
Be a United States citizen (PenFed does not support non-citizen permanent residents)
Credit score minimum of at least 650
Credit score based on credit history, financial history, and other variables
Review the full PenFed Personal Loans at Credit Union Review
Best for Military Members Navy Federal Credit Union
The Rating of Investopedia
4.0
Navy Federal Credit Union logo
APR Variation: 7.49% - 18.00%
The Loan Receiver's Time: 0 days
Loan Amount: $250 - $50,000
Check Rates
Pros and Pros and
Pros
There are no origination or prepayment charges.
Flexible loan terms
Minimum loan amount is low. loan amount
Cons
No pre-qualification available
A membership is required
The Reasons We Choose It
Navy Federal is a credit union that is available to all military personnel and their families. Navy Federal offers personal loans with low rates, repayment terms of up to 15 years in length with no origination fee. The minimum score for credit is not needed for approval, but your credit score will play an important role during loan approval.
Navy Federal offers a few various loan options, including personal loans, home improvement loans and even secured loans. While shorter-term loans have low interest rates (under 8% APR) but longer-term loans do charge more APR (over 14 percent for loans that last greater than 3 years).
Navy Federal also requires higher minimums for longer-term loans which includes a $25,000 minimum for loan terms over five years, and a $30,000 minimum for loans for seven years or more. And pre-qualification isn't available therefore you'll need to fill out a complete application to find out the interest rates.
Navy Federal is a great option for military members to get personal loans even for those with bad credit. But you must be a Navy Federal member to apply.
Qualifications
Be a Navy Federal member
At least be the age of majority in your state.
If you are an United States citizen, eligible permanent resident, or non-permanent of an alien
You can reside in any fifty U.S. states or Washington, D.C.
Qualify based on credit history, income, and other financial factors
Check out the full Naval Federal Credit Union Review of Personal Loans
Ideal for Terms that are Flexible Discover
The Rating of Investopedia
4.2
Discover Bank
APR Variation: 6.99% - 24.99 Percent
The loan will be received in 1 day
Loan Amount: $2,500 - $35,000
Check Rates
Pros and Pros and
Pros
Up to 7 years
There are no application, origination, or prepayment fee
Low interest rates
Cons
Late payment fee of $39
There are no co-signers or co-applicants.
Why We Chose It
Discover provides individual loans at low-interest rates for applicants, with a recommended minimum 660 credit score. Discover loans are repaid over 36 months up to 84 months. Additionally, there aren't any fees when financing or applying for your loan. Rates are also the same regardless of which term length you apply for.
Discover provides loans starting at $2,500 up to $35,000, and rates starting as low as 6.99%. The interest rate is lower than the majority of lenders, and even the maximum of 24.99% isn't that high in comparison to other lenders. Discover loans are ideal to consolidate debts or for other small to medium-sized needs.
Discover doesn't permit co-signers and co-applicants to personal loans and you must possess a decent credit score and income in order to qualify by yourself. Although there's no charges for application or origination, Discover does charge a late payment fee of $39 even if you are only one day in late.
Qualifications
Be you are a U.S. citizen or permanent resident
You must be at least 18 years old
Have a minimum household income of at least $25,000
The criteria for determining eligibility are based on your financial history including credit score, other variables
Review this review Full Discover Personal Loans Review
Ideal for small loan amounts Upgrading
the Rating of Investopedia
4.3
Upgrade
APR Range: 7.96% - 35.97%
Time to Receive Loan The Loan is due in 1 day
Amount of Loan: $1,000 - $50,000
Check Rates
Pros and Cons
Pros
Credit score that is low minimum of 560
Next-day funding available
Co-applicants are permitted
Cons
1.85 percent up to 8.99 1.85% to 8.99
The late payment fee is $10
Why We Chose Them?
Upgrade offers personal loans that start at just $1,000, with a low minimum credit score that is just 560. This presents an opportunity for many applicants to be eligible however, it is important to note that borrowers with poor credit are more likely to incur higher fees and rates. If you have poor credit you may be able to submit an additional applicant to help you to get a better deal.
The process of applying for a loan is simple it is possible to be pre-qualified in a matter of minutes, to check your rates and loan options. It is then possible to fill out the application online and receive your funds within a couple of days. The loan terms range from 24 months to 84 months, and rates start as low as 7.96%.
Upgrade charges an origination fee that is deducted directly from your loan balance. The fee is up to 8.99 percent, which could be costly for larger loans. There is also a late fee for payments at least 15 days late, but it's just $10, which is relatively low. Overall, the Upgrade service makes the process of obtaining a loan simple and is an excellent alternative for those who do not have the best credit.
Qualifications
You must be the U.S. citizen or permanent resident, or living within the U.S. on a valid visa
At least 18 years old (19 years old in Alabama and a few other states)
Verify a bank account
Provide a valid email address.
Borrow a minimum of $1,000
Aim for a minimal credit score of 560
Credit history, credit usage, and payment history
You can apply with a co-applicant who is a qualified applicant if needed
The best for quick funding Rocket Loans
The Rating of Investopedia
4.0
Rocket Loans
APR Band: 8.42% - 29.99 percent
The Loan Receiver's Time The Loan will be available for a period of 0 days.
The loan amount is $2,000 to $45,000
Check Rates
Pros & Cons
Pros
Available on the same day.
Pre-qualification available
You only need a credit score
Cons
Origination fee up to 7 %
Only two repayment terms
Why We Decided to Choose This?
Rocket Loans offers same-day funding for personal loans, allowing you to borrow up to $45,000 in a matter of hours. If your application is approved and the promissory note is signed before the time of 1 p.m. Eastern Time, funds may be deposited into your account the next day.
Rocket Loans offers loans to those with credit scores of 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 are available starting at $2,000 and borrowers are able to only choose between 36-month or 60-month terms for repayment.
Rocket Loans does charge up to 7% of an origination fee, and rates can reach 29.99%. All in all, Rocket Loans is a great choice for borrowers that require funds fast however be aware of the fees and costs and compare them against other lenders.
Qualifications
Be at minimum 18 years old
Be the U.S. resident
Monthly income is reviewed
Tax forms may be examined
Debt-to-income ratio (DTI) is reviewed
The credit history of the entire credit and score are reviewed
Read the Full Rocket Personal Loans Loans Review
The best option for debt consolidation
Achieve
APR Band: 7.99% - 29.99 percent
Loan Amount: $5,000 - $50,000
Check Rates
Pros & Cons
Pros
Directly pays off creditors
A minimum credit score of 620
Multiple loan discounts are available
Cons
Origination fee up to 6.99%
$5,000 minimum
Why We Chose This?
Achieve (formerly Freedom Plus) offers personal debt consolidation loans for borrowers with good credit scores, having the credit score to be at least 620 to be eligible. Loans can be funded in as soon as two business days. Additionally, there are several loan discounts that are available. There is a discount for applying with a co-applicant and even a discount when you permit Achieve to direct pay creditors when you consolidate your debt.
The loans are available starting at $5k to $50,000 in total The rates start at 7.99%. Multiple debts are able to be consolidated into a single loan which can help lower your interest rates and simplify your monthly payments.
Achieve charges an origination cost which ranges from 1.99% to 6.99%, so it is essential to estimate the cost prior to submitting your application. You can pre-qualify for the loan in just a few minutes online, to view the rates you will be charged and loan term options.
If you're hoping to reduce your debt Achieve is a good look.
Qualifications
You must be you are a U.S. citizen or permanent resident
At the age of 18
You must have a valid Social Security number
Document your income and employment
Show proof of identity
The criteria for determining eligibility are based on your financial history, credit score, and other aspects
Best for Low Fees LendingPoint
Investopedia's Rating
3.6
Lending point logo
APR Variation: 7.99% - 35.99%
The loan will be received in 1 day
The Loan Amount from $2,000 to $36,500
Check Rates
Pros & Cons
Pros
Origination fee waived for some
No application or prepayment fee
Interest rates start at 7.99%
Cons
Can only be able to borrow up to $36,500.
No co-applicants or co-signers
The Reasons We Choose This?
LendingPoint provides personal loans with no fees as well as low rates of interest. There are no prepayment or application fees assessed, and select applicants may be eligible for the origination fee waived as well.
Loans are available from $2,000 up to $36,500, and the interest rate starts at 7.99 percent. Loan repayment terms are available from 24 months up to 72 months in length and you are able to pre-qualify to check your rates and terms, without harming your credit score.
There's an upper limit on the credit scores required to apply, though you aren't able to apply for a co-signer, or co-applicant. You'll have to be able to make the decision on your own. LendingPoint is a good option for borrowers with fair credit looking to save on fees for smaller loans.
Qualifications
You must be 18 or older
You must be able to show the U.S federal, state, or local government-issued photo ID
Have a Social Security number
Have a minimum annual income of $35,000 (from retirement, employment, or some other source)
You must have a verified personal bank account that is in your name
Do not reside in Nevada and West Virginia
The best option for loans with large amounts LightStream
The Rating of Investopedia
4.0
LightStream
APR Variation: 6.99% - 23.99%
Time To Receive Loan Date To Receive Loan: 0 days
Loan Amount: $5,000 - $100,000
Check Rates
Pros & Cons
Pros
Up to $100,000 in loans can be borrowed.
No charges on loans
Same-day funding available
Low rates are available
Cons
The minimum amount you need to borrow is $5,000.
No pre-qualification
Why We Chose Them?
LightStream is part of Truist Bank, and offers personal loans that can be up to $100,000 in total. The borrower can choose from a variety of repayment conditions (up up to twelve years in length). There aren't any fees for LightStream loans that include no application, origination, prepayment, or late payment charges. It is suggested that you have a minimum 660 credit score for the best chances of getting approved.
LightStream offers an online application process, and funds may arrive within the same day if you complete the application and provide verification before the time of 2:30 p.m. ET. You can't apply through the Truist Bank location, as LightStream is a separate business that only offers online loans.
LightStream applicants can apply as a co-borrower, further increasing the chance of qualifying and getting a better rate. However, LightStream doesn't provide pre-qualification for applicants that means you have to submit an application to see your loan rates and terms.
If you're in search of a substantial personal loan, LightStream is a good choice.
The application process will result in a hard credit check, which could affect your score on credit.
Qualifications
You must be at least of majority in your state.
Be you are a U.S. citizen, eligible permanent resident, or a non-permanent foreign
Are you a resident of one or more of 50 U.S. states or Washington, D.C.
Minimum credit score recommended for 660
The criteria for determining eligibility are based on your financial history including credit score, other factors
Check out this review Full LightStream Personal Loans Review
Compare the Best Loans for Fair Credit of February 2023
Overall Rating
Best For
APR Range
Average Origination Fee
Late Fee
Time to Receive the Loan
Amount of Loan
Latest 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 for me!
Navy Federal Credit Union
4.0
The best for military members
7.49% - 18.00%
0.00%
$29.00
0 days
$250 - $50,000
180 months
Check Rates
Hide, not for me
Discover
4.2
The best option 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
Best 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 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!
Reach your goals
The best option 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 for me
LightStream
4.0
Ideal for large 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 some companies include a discount for automatic payments or customers of existing banks.
Final Verdict
If you have a lower credit score, you have numerous options in personal loans. Some companies do not require excellent credit, and submitting the help of a co-signer will boost your chances of obtaining a loan and getting a better rate.
PenFed provides excellent rates and flexible loan conditions for borrowers and you only need at least 650 credit scores to be eligible. There aren't any hidden fees or expensive origination charges on personal loans and makes them a cheaper option as compared to other lenders. Other options on this list are great for specific use cases and for those searching for a lender that will work with their individual financial situation.
Guide to Choosing the Most Effective Personal Credit Loans for Fair Credit
Do You Need to Get a Fair Credit Personal loan?
If you're in good standing and are considering taking out a personal loan, there are a few things you should consider before making a decision. Some of the most important considerations are why you need the loan, how quickly you'll be able to repay it as well as what you're able to pay for it, and if you can get a loan that you qualify for.
Why you need the loan: A personal loan can be a good option for an expense that is one-time and you need to pay in the future or want to consolidate debt into a lower fixed-rate payment. It's a better option than a credit line for this purpose since you'll pay the entire debt at the time of repayment and will usually get lower rates.
How fast the loan will be repaid If you think you'll be able pay back the money you're borrowing very quickly (e.g., in a matter of weeks or even months), then you may be able to use a credit card to fund the expenditure. However, if you need more amount of time for repayment (e.g., two to seven years) it is advisable to take out the personal loan is the best option.
What you can be able to afford: Before taking a loan, among the first things to do is make sure you are able to pay for it. Qualifying for an loan and affording it are two different aspects. Be sure to carefully evaluate your budget and make sure that you have enough money to make your monthly payments prior to signing on the dotted line.
If you can qualify for the loan You can qualify for an loan with fair credit might be challenging, especially when you have delinquencies that are active on your accounts. To increase the chance of being accepted, you must bring all of your accounts up to date prior to applying for a loan. If you're unable to get a loan on your own, consider applying with a co-signer.
In the end, the decision to get a personal loan depends on what's important for you as well as your personal financial situation.
Comparing Personal Loan Lenders to ensure Fair Credit
When looking at personal loans with fair credit scores it is important to take into consideration the eligibility requirements APR, repayment conditions, and funding speed.
Qualifications: It's harder for people with fair credit to obtain loans, so knowing how to qualify for a personal loan is essential. Most lenders evaluate your credit score, but they'll also consider such things as income and capacity to repay the loan and your credit history. To increase your chances of getting approved, make sure you're able to pay for the loan and don't have any actively delinquent accounts.
APR: Annual Percentage Rate (APR) If you are you are comparing loans be sure to examine the APR, not rates of interest. As opposed to the interest rate, the APR also includes fees you'll need to pay. For instance, many lenders charge origination charges, that are typically shown into the APR. When looking at APRs for different loans the effect of the fees is taken into consideration.
Terms of repayment: Ensure that the loan provider you choose has the repayment terms you'd like. Some lenders will offer terms for repayment of 30 or 36 months. However, if you need more or less time to repay your loan then you might be able to locate one that has the option of a shorter period of one year or less, or a longer term of up to 180 months.
Speed of funding: If you require cash fast, search for a lender that can fund you in a only a few days. Many of the best personal loan companies can get you funded as quickly as the next business day after your loan has been approved.
How do I apply for a Fair Credit Personal Loan
The basic steps you'll need to take to be eligible for fair personal credit loan are:
Make a loan application in the beginning with basic information about yourself and the loan
Examine the offers you receive from your lender and determine whether you'd like to move forward
Agree to a hard credit check and complete an application
Review and accept the terms offered by the lender
Give whatever additional data requested by the bank (e.g. pay stubs, pay stubs and tax returns)
You can receive funds as early as the next day or as long as several days after you apply
Create an online account with the lender to manage your loan
Give Basic Information
If you're looking to apply for a personal loan the initial step would be to file an application. You'll usually be required to provide information on reasons for needing the funds, the amount of money you want, and how many years you'll need to repay the loan. In the course of the loan you'll also be required to share personally identifiable information (e.g., the Social Security number and birthdate) as well as information regarding your income.
Examine the Preliminary Offers and agree to an Hard Credit Check
After your initial application has been accepted, some lenders run a soft credit check to verify your credit and let you know about the rates and terms that you can get. After you've had the chance to review loan options and choose the one you like is the lender able to proceed with the full application and hard credit test. Some lenders do not offer pre-qualification and will require to submit a complete application and submit a hard credit inquiry to determine your loan possibilities. It is important to understand when and how your credit score will be assessed in the beginning.
Accept the Terms and provide Additional Information
After the lender has analyzed your creditscore, you could be required to provide other details to verify your income and identity. For instance, you might need to share your tax returns, pay stubs, and driver's license. Keep in mind, the more fully you complete your application and the faster you provide any necessary details, the faster your loan will be granted and then financed.
You can receive funds and manage your Account Online
When the lender is done evaluating your file after which they'll notify you whether you've been approved and give details about the conditions of your loan--e.g. rates, fees, repayment terms and more. After you accept the terms, you'll receive the funds in the way you identified in your application; usually, you can request that the funds be deposited into your bank account or transferred directly to your current creditors. In some cases, this happens as soon as the day you apply. However, it can take up to a couple of days.
The only thing left to do is control your loan and make your monthly payments. Most lenders allow you to manage your account online through the portal for customers or through an online application.
What Is Considered Fair Credit?
Most credit scores range from 300 to 850 With higher scores being deemed superior to lower scores. What is considered fair credit is determined by what credit bureau you choose to use. Fair FICO credit scores fall between 580-669, and fair VantageScore scores vary from 600 to 660.1
It is a little higher than a poor credit rating, that is typically anything below 579 (FICO) (or 499 and below (VantageScore).
Can I get a Personal Loan if I Have Fair Credit?
If you are able to get a loan if you have fair credit largely depends on the reason why your credit score isn't as good. If it's due to late payments and you're unable to pay them, getting caught up will increase the credit rating. Also, making future payments on time may eventually improve your credit score.
If you have good credit due to a reason beyond a current delinquency, then it might not be as much of an issue. For example when all your accounts are current to date but you have the history of medical collection or several outstanding credit card balances, then 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 credit and that the issue that created the low score is not recurring or could be fixed through your new loan (e.g. that you're consolidating your charge card balance), then the new lender might be willing to overlook your fair credit score.
What Steps Can I Take to improve my credit score?
Improving your credit score can go a long way toward getting you a personal loan and to get a better rate of interest. If you're unhappy with your credit score however, the good news is that you can make steps to increase it. It often takes some time to boost your score on credit, however here are three strategies to help you get started:
Review Your Credit Reports
You're entitled to get no-cost copies of your credit report of the three agencies that provide credit reports (Experian, TransUnion, and Equifax) once each year. You can get your free credit reports by visiting AnnualCreditReport.com. Even if there aren't any credit issues, it's recommended to review your credit report every year to ensure there aren't mistakes and that you're not the person who has been the victim of identity theft.2
Reduce Your Credit Card Balances
The relationship between your credit card limits and balances, referred to as your credit utilization ratio, has a significant impact on your credit score is concerned. The higher your ratio, the closer you come to maxing out your cards, and it acts as an obstacle to your credit score. Your credit score might increase when you reduce the ratio of your credit utilization by paying down your card balances.
Pay Your Bills on Time
Even if you haven't made all your payments at the time you were due, it's not enough time to do so today. This is crucial as your payment history could add up to 35 percent to the FICO credit score.3 Making a budget is the best place to begin if you struggle with paying your bills on time. By doing so you'll be able to determine if you earn enough to pay your expenses, and you can begin thinking about the expenses you want you can be cut.
Methodology
Investopedia is committed to providing its users with objective and comprehensive reviews of personal loan lenders. To assess lenders we have gathered thousands of points across over 40 lending institutions. This includes fees, interest rates, loan amounts, and repayment terms to ensure that our reviews help users make informed decisions for their borrowing needs.
Mature man wearing eyeglasses working on his personal financial matters at home
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Your Money
Advisors
Academy
Personal Loans Review
Best loans for fair Credit
PenFed offers the top loans for helping you improve or repair your home
Jacob Wade Jacob Wade
Updated January 10, 2023
Read by Cierra Murry
Truth checked by Matthew M Klammer
How We Work Advertiser Disclosure We assist millions of readers in finding the best personal loans by using an independent review process and advertisers are not a factor in our selections. We may earn compensation if you visit partners we recommend.
38 Lenders reviewed
40 Loan features considered
8 Best of Awards
Personal loans are a fantastic way to consolidate your credit or cover an expense that is due. The application process takes only minutes and have the money deposited within a few days, and the majority of loans do not require collateral in order to qualify.
The problem is that even if you don't have the most impressive rating on your credit, you could be hard to qualify. If you've had loans that have ended up in collections, or simply do not have a good credit history or credit score, your loan choices are limited without excellent credit.
However, there are many firms that provide personal loans to borrowers with fair credit, and some allow co-signers as well as co-applicants to ensure you meet the requirements. We looked over a variety of personal loan firms and identified the top lenders offering loans to those with lower credit scores and less-than-perfect credit histories.
The best loans for Fair Credit in February 2023
Credit Score
The Loan Amount
Company
APR
Credit Score est.
Amount of Loan
More Information
Best Overall
PenFed Credit Union
4.7
APR Range
7.74% - 17.99%
650
The lender has not disclosed its minimum credit score requirements.
$600 - $50,000
See Details
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
Check out the Details
Check Rates
Best for Flexible Terms
Discover
4.2
APR Range
6.99% - 24.99%
660
This lender doesn't disclose the minimum credit score specifications.
$2,500 - $35,000
See Details
Check Rates
Ideal for small loan amounts
Upgrade
4.3
APR with Autopay Discount
7.96% - 35.97%
560
This lender doesn't disclose its minimum credit score requirements.
$1,000 - $50,000
See Details
Check Rates
Best for Quick Financing
Rocket Loans
4
APR Discount With Autopay
8.42% - 29.99%
Not Disclosed
The lender doesn't disclose the minimum credit score criteria.
$2,000 - $45,000
Check out the Details
Check Rates
Best for Debt Consolidation
Achieve
APR Range
7.99% - 29.99%
Not Disclosed
This lender does not disclose their minimum credit requirements.
$5,000 - $50,000
Read More
Check Rates
Best for Low Fees
LendingPoint
3.6
APR Range
7.99% - 35.99%
580
This lender does not disclose its minimum credit score criteria.
$2,000 - $36,500
Read More
Check Rates
Ideal for large loan amounts
LightStream
4
APR Range
6.99% - 23.99%
660
This lender doesn't disclose their minimum credit criteria.
$5,000 - $100,000
See Details
Check Rates
The 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 Choose
FAQ
Methodology
Best Overall PenFed Credit Union
Investopedia's Rating
4.7
PenFed Credit Union
APR Range: 7.74% - 17.99%
The loan will be received in 1 day
Loan Amount: $600 - $50,000
Check Rates
Pros & Cons
Pros
A credit score of just 650
You could receive funds within a single day
Up to $50,000 can be borrowed.
Cons
PenFed membership required
Why We Chose It
PenFed is our top overall pick in fair-credit personal loans, offering loans starting at only 600 dollars, at competitive rates, and a relatively low 650 credit score to be eligible. PenFed is a national credit union that provides banking services and loans for members. It is necessary to sign up with PenFed in order to be eligible for a loan, but membership is free.
PenFed offers pre-qualification on all personal loans that means you can complete a brief application and check the rate of your loan without affecting the credit rating. You can even pre-qualify without joining to know your rates however you'll need to sign up to get funding.
PenFed does not charge loan fees, such as charges for origination or prepayment penalties. Although co-signers aren't allowed, co-applicants are, meaning you can have someone else apply with you to help you 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 defined by the state in which you reside.
Be a United States citizen (PenFed does not support non-citizen permanent residents)
Credit score minimum of at least 650
Credit score based on credit history, financial history, and other variables
Review the full PenFed Personal Loans at Credit Union Review
Best for Military Members Navy Federal Credit Union
The Rating of Investopedia
4.0
Navy Federal Credit Union logo
APR Variation: 7.49% - 18.00%
The Loan Receiver's Time: 0 days
Loan Amount: $250 - $50,000
Check Rates
Pros and Pros and
Pros
There are no origination or prepayment charges.
Flexible loan terms
Minimum loan amount is low. loan amount
Cons
No pre-qualification available
A membership is required
The Reasons We Choose It
Navy Federal is a credit union that is available to all military personnel and their families. Navy Federal offers personal loans with low rates, repayment terms of up to 15 years in length with no origination fee. The minimum score for credit is not needed for approval, but your credit score will play an important role during loan approval.
Navy Federal offers a few various loan options, including personal loans, home improvement loans and even secured loans. While shorter-term loans have low interest rates (under 8% APR) but longer-term loans do charge more APR (over 14 percent for loans that last greater than 3 years).
Navy Federal also requires higher minimums for longer-term loans which includes a $25,000 minimum for loan terms over five years, and a $30,000 minimum for loans for seven years or more. And pre-qualification isn't available therefore you'll need to fill out a complete application to find out the interest rates.
Navy Federal is a great option for military members to get personal loans even for those with bad credit. But you must be a Navy Federal member to apply.
Qualifications
Be a Navy Federal member
At least be the age of majority in your state.
If you are an United States citizen, eligible permanent resident, or non-permanent of an alien
You can reside in any fifty U.S. states or Washington, D.C.
Qualify based on credit history, income, and other financial factors
Check out the full Naval Federal Credit Union Review of Personal Loans
Ideal for Terms that are Flexible Discover
The Rating of Investopedia
4.2
Discover Bank
APR Variation: 6.99% - 24.99 Percent
The loan will be received in 1 day
Loan Amount: $2,500 - $35,000
Check Rates
Pros and Pros and
Pros
Up to 7 years
There are no application, origination, or prepayment fee
Low interest rates
Cons
Late payment fee of $39
There are no co-signers or co-applicants.
Why We Chose It
Discover provides individual loans at low-interest rates for applicants, with a recommended minimum 660 credit score. Discover loans are repaid over 36 months up to 84 months. Additionally, there aren't any fees when financing or applying for your loan. Rates are also the same regardless of which term length you apply for.
Discover provides loans starting at $2,500 up to $35,000, and rates starting as low as 6.99%. The interest rate is lower than the majority of lenders, and even the maximum of 24.99% isn't that high in comparison to other lenders. Discover loans are ideal to consolidate debts or for other small to medium-sized needs.
Discover doesn't permit co-signers and co-applicants to personal loans and you must possess a decent credit score and income in order to qualify by yourself. Although there's no charges for application or origination, Discover does charge a late payment fee of $39 even if you are only one day in late.
Qualifications
Be you are a U.S. citizen or permanent resident
You must be at least 18 years old
Have a minimum household income of at least $25,000
The criteria for determining eligibility are based on your financial history including credit score, other variables
Review this review Full Discover Personal Loans Review
Ideal for small loan amounts Upgrading
the Rating of Investopedia
4.3
Upgrade
APR Range: 7.96% - 35.97%
Time to Receive Loan The Loan is due in 1 day
Amount of Loan: $1,000 - $50,000
Check Rates
Pros and Cons
Pros
Credit score that is low minimum of 560
Next-day funding available
Co-applicants are permitted
Cons
1.85 percent up to 8.99 1.85% to 8.99
The late payment fee is $10
Why We Chose Them?
Upgrade offers personal loans that start at just $1,000, with a low minimum credit score that is just 560. This presents an opportunity for many applicants to be eligible however, it is important to note that borrowers with poor credit are more likely to incur higher fees and rates. If you have poor credit you may be able to submit an additional applicant to help you to get a better deal.
The process of applying for a loan is simple it is possible to be pre-qualified in a matter of minutes, to check your rates and loan options. It is then possible to fill out the application online and receive your funds within a couple of days. The loan terms range from 24 months to 84 months, and rates start as low as 7.96%.
Upgrade charges an origination fee that is deducted directly from your loan balance. The fee is up to 8.99 percent, which could be costly for larger loans. There is also a late fee for payments at least 15 days late, but it's just $10, which is relatively low. Overall, the Upgrade service makes the process of obtaining a loan simple and is an excellent alternative for those who do not have the best credit.
Qualifications
You must be the U.S. citizen or permanent resident, or living within the U.S. on a valid visa
At least 18 years old (19 years old in Alabama and a few other states)
Verify a bank account
Provide a valid email address.
Borrow a minimum of $1,000
Aim for a minimal credit score of 560
Credit history, credit usage, and payment history
You can apply with a co-applicant who is a qualified applicant if needed
The best for quick funding Rocket Loans
The Rating of Investopedia
4.0
Rocket Loans
APR Band: 8.42% - 29.99 percent
The Loan Receiver's Time The Loan will be available for a period of 0 days.
The loan amount is $2,000 to $45,000
Check Rates
Pros & Cons
Pros
Available on the same day.
Pre-qualification available
You only need a credit score
Cons
Origination fee up to 7 %
Only two repayment terms
Why We Decided to Choose This?
Rocket Loans offers same-day funding for personal loans, allowing you to borrow up to $45,000 in a matter of hours. If your application is approved and the promissory note is signed before the time of 1 p.m. Eastern Time, funds may be deposited into your account the next day.
Rocket Loans offers loans to those with credit scores of 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 are available starting at $2,000 and borrowers are able to only choose between 36-month or 60-month terms for repayment.
Rocket Loans does charge up to 7% of an origination fee, and rates can reach 29.99%. All in all, Rocket Loans is a great choice for borrowers that require funds fast however be aware of the fees and costs and compare them against other lenders.
Qualifications
Be at minimum 18 years old
Be the U.S. resident
Monthly income is reviewed
Tax forms may be examined
Debt-to-income ratio (DTI) is reviewed
The credit history of the entire credit and score are reviewed
Read the Full Rocket Personal Loans Loans Review
The best option for debt consolidation
Achieve
APR Band: 7.99% - 29.99 percent
Loan Amount: $5,000 - $50,000
Check Rates
Pros & Cons
Pros
Directly pays off creditors
A minimum credit score of 620
Multiple loan discounts are available
Cons
Origination fee up to 6.99%
$5,000 minimum
Why We Chose This?
Achieve (formerly Freedom Plus) offers personal debt consolidation loans for borrowers with good credit scores, having the credit score to be at least 620 to be eligible. Loans can be funded in as soon as two business days. Additionally, there are several loan discounts that are available. There is a discount for applying with a co-applicant and even a discount when you permit Achieve to direct pay creditors when you consolidate your debt.
The loans are available starting at $5k to $50,000 in total The rates start at 7.99%. Multiple debts are able to be consolidated into a single loan which can help lower your interest rates and simplify your monthly payments.
Achieve charges an origination cost which ranges from 1.99% to 6.99%, so it is essential to estimate the cost prior to submitting your application. You can pre-qualify for the loan in just a few minutes online, to view the rates you will be charged and loan term options.
If you're hoping to reduce your debt Achieve is a good look.
Qualifications
You must be you are a U.S. citizen or permanent resident
At the age of 18
You must have a valid Social Security number
Document your income and employment
Show proof of identity
The criteria for determining eligibility are based on your financial history, credit score, and other aspects
Best for Low Fees LendingPoint
Investopedia's Rating
3.6
Lending point logo
APR Variation: 7.99% - 35.99%
The loan will be received in 1 day
The Loan Amount from $2,000 to $36,500
Check Rates
Pros & Cons
Pros
Origination fee waived for some
No application or prepayment fee
Interest rates start at 7.99%
Cons
Can only be able to borrow up to $36,500.
No co-applicants or co-signers
The Reasons We Choose This?
LendingPoint provides personal loans with no fees as well as low rates of interest. There are no prepayment or application fees assessed, and select applicants may be eligible for the origination fee waived as well.
Loans are available from $2,000 up to $36,500, and the interest rate starts at 7.99 percent. Loan repayment terms are available from 24 months up to 72 months in length and you are able to pre-qualify to check your rates and terms, without harming your credit score.
There's an upper limit on the credit scores required to apply, though you aren't able to apply for a co-signer, or co-applicant. You'll have to be able to make the decision on your own. LendingPoint is a good option for borrowers with fair credit looking to save on fees for smaller loans.
Qualifications
You must be 18 or older
You must be able to show the U.S federal, state, or local government-issued photo ID
Have a Social Security number
Have a minimum annual income of $35,000 (from retirement, employment, or some other source)
You must have a verified personal bank account that is in your name
Do not reside in Nevada and West Virginia
The best option for loans with large amounts LightStream
The Rating of Investopedia
4.0
LightStream
APR Variation: 6.99% - 23.99%
Time To Receive Loan Date To Receive Loan: 0 days
Loan Amount: $5,000 - $100,000
Check Rates
Pros & Cons
Pros
Up to $100,000 in loans can be borrowed.
No charges on loans
Same-day funding available
Low rates are available
Cons
The minimum amount you need to borrow is $5,000.
No pre-qualification
Why We Chose Them?
LightStream is part of Truist Bank, and offers personal loans that can be up to $100,000 in total. The borrower can choose from a variety of repayment conditions (up up to twelve years in length). There aren't any fees for LightStream loans that include no application, origination, prepayment, or late payment charges. It is suggested that you have a minimum 660 credit score for the best chances of getting approved.
LightStream offers an online application process, and funds may arrive within the same day if you complete the application and provide verification before the time of 2:30 p.m. ET. You can't apply through the Truist Bank location, as LightStream is a separate business that only offers online loans.
LightStream applicants can apply as a co-borrower, further increasing the chance of qualifying and getting a better rate. However, LightStream doesn't provide pre-qualification for applicants that means you have to submit an application to see your loan rates and terms.
If you're in search of a substantial personal loan, LightStream is a good choice.
The application process will result in a hard credit check, which could affect your score on credit.
Qualifications
You must be at least of majority in your state.
Be you are a U.S. citizen, eligible permanent resident, or a non-permanent foreign
Are you a resident of one or more of 50 U.S. states or Washington, D.C.
Minimum credit score recommended for 660
The criteria for determining eligibility are based on your financial history including credit score, other factors
Check out this review Full LightStream Personal Loans Review
Compare the Best Loans for Fair Credit of February 2023
Overall Rating
Best For
APR Range
Average Origination Fee
Late Fee
Time to Receive the Loan
Amount of Loan
Latest 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 for me!
Navy Federal Credit Union
4.0
The best for military members
7.49% - 18.00%
0.00%
$29.00
0 days
$250 - $50,000
180 months
Check Rates
Hide, not for me
Discover
4.2
The best option 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
Best 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 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!
Reach your goals
The best option 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 for me
LightStream
4.0
Ideal for large 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 some companies include a discount for automatic payments or customers of existing banks.
Final Verdict
If you have a lower credit score, you have numerous options in personal loans. Some companies do not require excellent credit, and submitting the help of a co-signer will boost your chances of obtaining a loan and getting a better rate.
PenFed provides excellent rates and flexible loan conditions for borrowers and you only need at least 650 credit scores to be eligible. There aren't any hidden fees or expensive origination charges on personal loans and makes them a cheaper option as compared to other lenders. Other options on this list are great for specific use cases and for those searching for a lender that will work with their individual financial situation.
Guide to Choosing the Most Effective Personal Credit Loans for Fair Credit
Do You Need to Get a Fair Credit Personal loan?
If you're in good standing and are considering taking out a personal loan, there are a few things you should consider before making a decision. Some of the most important considerations are why you need the loan, how quickly you'll be able to repay it as well as what you're able to pay for it, and if you can get a loan that you qualify for.
Why you need the loan: A personal loan can be a good option for an expense that is one-time and you need to pay in the future or want to consolidate debt into a lower fixed-rate payment. It's a better option than a credit line for this purpose since you'll pay the entire debt at the time of repayment and will usually get lower rates.
How fast the loan will be repaid If you think you'll be able pay back the money you're borrowing very quickly (e.g., in a matter of weeks or even months), then you may be able to use a credit card to fund the expenditure. However, if you need more amount of time for repayment (e.g., two to seven years) it is advisable to take out the personal loan is the best option.
What you can be able to afford: Before taking a loan, among the first things to do is make sure you are able to pay for it. Qualifying for an loan and affording it are two different aspects. Be sure to carefully evaluate your budget and make sure that you have enough money to make your monthly payments prior to signing on the dotted line.
If you can qualify for the loan You can qualify for an loan with fair credit might be challenging, especially when you have delinquencies that are active on your accounts. To increase the chance of being accepted, you must bring all of your accounts up to date prior to applying for a loan. If you're unable to get a loan on your own, consider applying with a co-signer.
In the end, the decision to get a personal loan depends on what's important for you as well as your personal financial situation.
Comparing Personal Loan Lenders to ensure Fair Credit
When looking at personal loans with fair credit scores it is important to take into consideration the eligibility requirements APR, repayment conditions, and funding speed.
Qualifications: It's harder for people with fair credit to obtain loans, so knowing how to qualify for a personal loan is essential. Most lenders evaluate your credit score, but they'll also consider such things as income and capacity to repay the loan and your credit history. To increase your chances of getting approved, make sure you're able to pay for the loan and don't have any actively delinquent accounts.
APR: Annual Percentage Rate (APR) If you are you are comparing loans be sure to examine the APR, not rates of interest. As opposed to the interest rate, the APR also includes fees you'll need to pay. For instance, many lenders charge origination charges, that are typically shown into the APR. When looking at APRs for different loans the effect of the fees is taken into consideration.
Terms of repayment: Ensure that the loan provider you choose has the repayment terms you'd like. Some lenders will offer terms for repayment of 30 or 36 months. However, if you need more or less time to repay your loan then you might be able to locate one that has the option of a shorter period of one year or less, or a longer term of up to 180 months.
Speed of funding: If you require cash fast, search for a lender that can fund you in a only a few days. Many of the best personal loan companies can get you funded as quickly as the next business day after your loan has been approved.
How do I apply for a Fair Credit Personal Loan
The basic steps you'll need to take to be eligible for fair personal credit loan are:
Make a loan application in the beginning with basic information about yourself and the loan
Examine the offers you receive from your lender and determine whether you'd like to move forward
Agree to a hard credit check and complete an application
Review and accept the terms offered by the lender
Give whatever additional data requested by the bank (e.g. pay stubs, pay stubs and tax returns)
You can receive funds as early as the next day or as long as several days after you apply
Create an online account with the lender to manage your loan
Give Basic Information
If you're looking to apply for a personal loan the initial step would be to file an application. You'll usually be required to provide information on reasons for needing the funds, the amount of money you want, and how many years you'll need to repay the loan. In the course of the loan you'll also be required to share personally identifiable information (e.g., the Social Security number and birthdate) as well as information regarding your income.
Examine the Preliminary Offers and agree to an Hard Credit Check
After your initial application has been accepted, some lenders run a soft credit check to verify your credit and let you know about the rates and terms that you can get. After you've had the chance to review loan options and choose the one you like is the lender able to proceed with the full application and hard credit test. Some lenders do not offer pre-qualification and will require to submit a complete application and submit a hard credit inquiry to determine your loan possibilities. It is important to understand when and how your credit score will be assessed in the beginning.
Accept the Terms and provide Additional Information
After the lender has analyzed your creditscore, you could be required to provide other details to verify your income and identity. For instance, you might need to share your tax returns, pay stubs, and driver's license. Keep in mind, the more fully you complete your application and the faster you provide any necessary details, the faster your loan will be granted and then financed.
You can receive funds and manage your Account Online
When the lender is done evaluating your file after which they'll notify you whether you've been approved and give details about the conditions of your loan--e.g. rates, fees, repayment terms and more. After you accept the terms, you'll receive the funds in the way you identified in your application; usually, you can request that the funds be deposited into your bank account or transferred directly to your current creditors. In some cases, this happens as soon as the day you apply. However, it can take up to a couple of days.
The only thing left to do is control your loan and make your monthly payments. Most lenders allow you to manage your account online through the portal for customers or through an online application.
What Is Considered Fair Credit?
Most credit scores range from 300 to 850 With higher scores being deemed superior to lower scores. What is considered fair credit is determined by what credit bureau you choose to use. Fair FICO credit scores fall between 580-669, and fair VantageScore scores vary from 600 to 660.1
It is a little higher than a poor credit rating, that is typically anything below 579 (FICO) (or 499 and below (VantageScore).
Can I get a Personal Loan if I Have Fair Credit?
If you are able to get a loan if you have fair credit largely depends on the reason why your credit score isn't as good. If it's due to late payments and you're unable to pay them, getting caught up will increase the credit rating. Also, making future payments on time may eventually improve your credit score.
If you have good credit due to a reason beyond a current delinquency, then it might not be as much of an issue. For example when all your accounts are current to date but you have the history of medical collection or several outstanding credit card balances, then 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 credit and that the issue that created the low score is not recurring or could be fixed through your new loan (e.g. that you're consolidating your charge card balance), then the new lender might be willing to overlook your fair credit score.
What Steps Can I Take to improve my credit score?
Improving your credit score can go a long way toward getting you a personal loan and to get a better rate of interest. If you're unhappy with your credit score however, the good news is that you can make steps to increase it. It often takes some time to boost your score on credit, however here are three strategies to help you get started:
Review Your Credit Reports
You're entitled to get no-cost copies of your credit report of the three agencies that provide credit reports (Experian, TransUnion, and Equifax) once each year. You can get your free credit reports by visiting AnnualCreditReport.com. Even if there aren't any credit issues, it's recommended to review your credit report every year to ensure there aren't mistakes and that you're not the person who has been the victim of identity theft.2
Reduce Your Credit Card Balances
The relationship between your credit card limits and balances, referred to as your credit utilization ratio, has a significant impact on your credit score is concerned. The higher your ratio, the closer you come to maxing out your cards, and it acts as an obstacle to your credit score. Your credit score might increase when you reduce the ratio of your credit utilization by paying down your card balances.
Pay Your Bills on Time
Even if you haven't made all your payments at the time you were due, it's not enough time to do so today. This is crucial as your payment history could add up to 35 percent to the FICO credit score.3 Making a budget is the best place to begin if you struggle with paying your bills on time. By doing so you'll be able to determine if you earn enough to pay your expenses, and you can begin thinking about the expenses you want you can be cut.
Methodology
Investopedia is committed to providing its users with objective and comprehensive reviews of personal loan lenders. To assess lenders we have gathered thousands of points across over 40 lending institutions. This includes fees, interest rates, loan amounts, and repayment terms to ensure that our reviews help users make informed decisions for their borrowing needs.
Mature man wearing eyeglasses working on his personal financial matters at home
Stephen Zeigler / Getty Image
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