Quick Answer: Best Hardship Loans for 2025<\/h3>
Based on our research, here are the top hardship loan providers for 2024:<\/p>\n
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- Upgrade<\/strong><\/a>: Best for flexible repayment terms (24-84 months) and joint applications. APR: 8.49% – 35.99%<\/li>\n
- Avant<\/strong>: Ideal for borrowers with fair credit. Quick funding available. APR: 9.95% – 35.99%<\/li>\n
- Upstart<\/strong><\/a>: Best for borrowers with limited credit history. Uses AI for underwriting. APR: 7.8% – 35.99%<\/li>\n
- LoansUnder36<\/strong><\/a>: Offers a marketplace of lenders with APRs under 36%. Good for comparing multiple offers quickly.<\/li>\n
- Low Credit Finance<\/strong><\/a>: Specializes in loans for people with poor credit scores. Higher APRs but more accessible approval.<\/li>\n<\/ul><\/div>\n\n\n
What Are Hardship Loans?<\/h2>\n\n\n\n
Hardship loans are financial products designed to help individuals cope with unexpected financial difficulties. <\/p>\n\n\n\n
These loans typically offer more flexible terms and may have less stringent eligibility requirements compared to traditional personal loans<\/a>.<\/p>\n\n\n
<\/div>Key Features of Hardship Loans:<\/h3>
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- Typically smaller loan amounts<\/li>\n
- Shorter repayment terms<\/li>\n
- May have higher interest rates than traditional loans<\/li>\n
- Often more accessible to those with lower credit scores<\/li>\n
- Can be used for various urgent expenses<\/li>\n<\/ul><\/div>\n\n\n
While hardship loans can be a valuable resource during financial crises, it’s essential to understand their terms and consider them as a last resort due to potentially higher costs.<\/p>\n\n\n\n\t\t
Compare loans from 48 lenders<\/h3>
Find the cheapest rate with one click<\/p>
\n <\/span>\n <\/div>\n\n \n <\/div>\n<\/div>Compare Offers<\/a><\/div>\t\t<\/div>Top Hardship Loan Providers in 2025<\/h2>\n\n\n\n
Based on our extensive research, here are the best hardship loan providers for 2025:<\/p>\n\n\n\n
1. Upgrade<\/h3>\n\n\n
![\"\"](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2020\/03\/new-upgradelogo-fullcolor-h-1.png\")
<\/a>Chosen 2,712<\/strong> times<\/span>- High Trustpilot Rating<\/li>
- No prepayment fees<\/li>
- Fast Funding<\/li>
- Helpful Support Team<\/li><\/ul><\/div>Min Loan Amount<\/span>1000<\/span><\/div>Max Loan Amount<\/span>50000<\/span><\/div>Lowest APR<\/span>9.99<\/span><\/div>Highest APR<\/span>35.99<\/span><\/div>Min Loan Term<\/span>2 Years<\/span><\/div>Max Loan Term<\/span>7 Years<\/span><\/div>Accepts bad credit:<\/span>Yes. <\/span><\/div>Minimum Age<\/span>18<\/span><\/div><\/div>See offer<\/a>More Info<\/a>
![\"rating_blue\"](\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\")
![\"rating_blue\"](\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\")
![\"rating_blue\"](\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\")
<\/div>3.6<\/span><\/a>Read 18<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\nMinimum credit score: 580<\/p>\n<\/li>
APR range: 8.49% – 35.99%<\/p>\n<\/li>
Loan amounts: $1,000 – $50,000<\/p>\n<\/li>
Repayment terms: 24 – 84 months<\/p>\n<\/li><\/ul><\/div>\n\n\n
Upgrade stands out for its flexible repayment terms and quick funding process. They also allow joint applications, which can be beneficial for those who need a cosigner to qualify.<\/p>\n\n\n
Apply Now<\/a><\/div>\n\n\n2. Avant<\/h3>\n\n\n
![\"\"](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/08\/avant.png\")
<\/a>Chosen 60<\/strong> times<\/span>- Borrow upto $35,000<\/li>
- APRs from 9.95%<\/li>
- Funds deposited as soon as the next business day<\/li>
- Fixed monthly payments<\/li><\/ul><\/div>Min Loan Amount<\/span>2000<\/span><\/div>Max Loan Amount<\/span>35000<\/span><\/div>Lowest APR<\/span>9.95<\/span><\/div>Highest APR<\/span>35.99<\/span><\/div>Min Loan Term<\/span>2 Years<\/span><\/div>Max Loan Term<\/span>5 Years<\/span><\/div>Accepts bad credit:<\/span>Yes. <\/span><\/div><\/div>See offer<\/a>More Info<\/a><\/div>N\/A<\/span><\/a>Read 0<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n
Minimum credit score: 580<\/p>\n<\/li>
APR range: 9.95% – 35.99%<\/p>\n<\/li>
Loan amounts: $2,000 – $35,000<\/p>\n<\/li>
Repayment terms: 24 – 60 months<\/p>\n<\/li><\/ul><\/div>\n\n\n
Avant is an excellent option for those with less-than-perfect credit. They offer next-day funding and accommodate borrowers with lower credit scores.<\/p>\n\n\n\n
3. Upstart<\/h3>\n\n\n
Avant Highlights<\/h3>
Upgrade Highlights<\/h3>
- Avant<\/strong>: Ideal for borrowers with fair credit. Quick funding available. APR: 9.95% – 35.99%<\/li>\n
![\"upstart](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2017\/06\/upstart-review.png\")
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