Quick Answer: Best Bad Credit Loans For 2024<\/h3>\n- Upstart<\/a>:<\/strong> Best overall for bad credit<\/li>\n
- Upgrade<\/a>:<\/strong> Best for flexible terms<\/li>\n
- Best Egg:<\/strong> Best for secured loan options<\/li>\n
- LoansUnder36<\/a>:<\/strong> Best for comparing multiple lenders<\/li>\n
- 5KFunds<\/a>:<\/strong> Best for quick funding<\/li>\n
- Low Credit Finance:<\/strong><\/a> Best for very low credit scores<\/li>\n<\/ul><\/div>\n\n\n
Top Bad Credit Loan Providers for 2024<\/h2>\n\n\n\n
After thorough research and analysis, we’ve identified the top lenders offering bad credit loans in 2024. Here are our top picks:<\/p>\n\n\n\n
1. Upstart: Best Overall for Bad Credit<\/h3>\n\n\n![\"upstart](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2017\/06\/upstart-review.png\")
<\/a>Chosen 10,265<\/strong> times<\/span>- Fast Funding<\/li>
- High Trustpilot Rating<\/li>
- High Acceptance Rate<\/li>
- No Repayment Penalty Fees<\/li><\/ul><\/div>Min Loan Amount<\/span>1000<\/span><\/div>Max Loan Amount<\/span>50000<\/span><\/div>Lowest APR<\/span>7.80<\/span><\/div>Highest APR<\/span>35.99<\/span><\/div>Min Loan Term<\/span>3 Years<\/span><\/div>Max Loan Term<\/span>5 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\")
<\/div>4.9<\/span><\/a>Read 7<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<\/div>You might consider Upstart if:<\/h3>\n- You have a limited credit history but a strong educational background or promising career trajectory<\/li>\n
- You want a lender that uses alternative data for approval, such as education and job history<\/li>\n
- You need funds quickly, as Upstart often provides next-day funding<\/li>\n
- You’re looking for a lender that accepts lower credit scores without requiring a co-signer<\/li>\n<\/ul><\/div>\n\n\n\n
Pros<\/h3>
Low minimum credit score requirement<\/p>\n<\/li>
Flexible loan amounts<\/p>\n<\/li>
Quick funding<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Cons<\/h3>
No option to apply with a co-borrower<\/p>\n<\/li>
Limited repayment terms<\/p>\n<\/li>
Charges origination fees<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
2. Upgrade: Best for Flexible Terms<\/h3>\n\n\n![\"\"](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2020\/03\/new-upgradelogo-fullcolor-h-1.png\")
<\/a>Chosen 2,285<\/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_outline_rating_blue.svg\")
<\/div>3.6<\/span><\/a>Read 18<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<\/div>You might consider Upgrade if:<\/h3>\n- You want the flexibility to choose your payment due date<\/li>\n
- You’re interested in a lender that offers both personal loans and credit cards for bad credit<\/li>\n
- You appreciate having the option for direct payment to creditors for debt consolidation<\/li>\n
- You want access to free credit monitoring and educational resources<\/li>\n<\/ul><\/div>\n\n\n\n
Pros<\/h3>
Offers APR discounts for autopay<\/p>\n<\/li>
Flexible loan terms<\/p>\n<\/li>
Direct payment to creditors available<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Cons<\/h3>
Charges origination fees<\/p>\n<\/li>
Late fees apply<\/p>\n<\/li>
Failed payment attempt fees<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
3. Best Egg: Best for Secured Loan Options<\/h3>\n\n\n<\/div>You might consider Best Egg if:<\/h3>\n- You have valuable assets and prefer a secured loan option for better rates<\/li>\n
- You want a lender that offers both unsecured and secured personal loan options<\/li>\n
- You value a lender with a track record of high customer satisfaction<\/li>\n
- You’re looking for potential soft credit pull pre-qualification<\/li>\n<\/ul><\/div>\n\n\n\n
Pros<\/h3>
Offers secured loans with home fixtures as collateral<\/p>\n<\/li>
Flexible repayment terms<\/p>\n<\/li>
Unsecured loan options available<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Cons<\/h3>
Charges origination fees<\/p>\n<\/li>
Minimum credit score requirement of 600<\/p>\n<\/li>
May have stricter eligibility criteria<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
4. 5KFunds: Best for Quick Funding<\/h3>\n\n\n![\"5KFunds](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2018\/08\/5kfunds-logo.png\")
<\/a>Chosen 80,525<\/strong> times<\/span>- Check Rates without Credit Impact<\/li>
- No Minimum Credit Score<\/li>
- Large Network of Lenders<\/li><\/ul><\/div>Min Loan Amount<\/span>500<\/span><\/div>Max Loan Amount<\/span>35000<\/span><\/div>Lowest APR<\/span>5.99<\/span><\/div>Highest APR<\/span>35.99<\/span><\/div>Min Loan Term<\/span>2 Months<\/span><\/div>Max Loan Term<\/span>6 Years<\/span><\/div>Accepts bad credit:<\/span>Yes. <\/span><\/div>Minimum Age<\/span>18<\/span><\/div><\/div>See offer<\/a>More Info<\/a><\/div>4.2<\/span><\/a>Read 91<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<\/div>
You might consider 5KFunds if:<\/h3>\n- You want to save time by comparing multiple loan offers with a single application<\/li>\n
- You’re open to various types of loans, including personal loans, installment loans, and lines of credit<\/li>\n
- You value a quick and easy online application process<\/li>\n
- You’re looking for lenders who may consider factors beyond just your credit score<\/li>\n<\/ul><\/div>\n\n\n\n
Pros<\/h3>
Quick and easy application process<\/p>\n<\/li>
Connects you with multiple lenders<\/p>\n<\/li>
Free to use<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Cons<\/h3>
Not a direct lender<\/p>\n<\/li>
Rates and terms vary by lender<\/p>\n<\/li>
May receive marketing communications<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
5. LoansUnder36: Best for Comparing Multiple Lenders<\/h3>\n\n\n
Top Bad Credit Loan Providers for 2024<\/h2>\n\n\n\n
After thorough research and analysis, we’ve identified the top lenders offering bad credit loans in 2024. Here are our top picks:<\/p>\n\n\n\n
1. Upstart: Best Overall for Bad Credit<\/h3>\n\n\n<\/a>Chosen 10,265<\/strong> times<\/span>- Fast Funding<\/li>
- High Trustpilot Rating<\/li>
- High Acceptance Rate<\/li>
- No Repayment Penalty Fees<\/li><\/ul><\/div>Min Loan Amount<\/span>1000<\/span><\/div>Max Loan Amount<\/span>50000<\/span><\/div>Lowest APR<\/span>7.80<\/span><\/div>Highest APR<\/span>35.99<\/span><\/div>Min Loan Term<\/span>3 Years<\/span><\/div>Max Loan Term<\/span>5 Years<\/span><\/div>Accepts bad credit:<\/span>Yes. <\/span><\/div>Minimum Age<\/span>18<\/span><\/div><\/div>See offer<\/a>More Info<\/a><\/div>4.9<\/span><\/a>Read 7<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<\/div>
You might consider Upstart if:<\/h3>\n- You have a limited credit history but a strong educational background or promising career trajectory<\/li>\n
- You want a lender that uses alternative data for approval, such as education and job history<\/li>\n
- You need funds quickly, as Upstart often provides next-day funding<\/li>\n
- You’re looking for a lender that accepts lower credit scores without requiring a co-signer<\/li>\n<\/ul><\/div>\n\n\n\n
Pros<\/h3>
Low minimum credit score requirement<\/p>\n<\/li>
Flexible loan amounts<\/p>\n<\/li>
Quick funding<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Cons<\/h3>
No option to apply with a co-borrower<\/p>\n<\/li>
Limited repayment terms<\/p>\n<\/li>
Charges origination fees<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
2. Upgrade: Best for Flexible Terms<\/h3>\n\n\n<\/a>Chosen 2,285<\/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><\/div>3.6<\/span><\/a>Read 18<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<\/div>
You might consider Upgrade if:<\/h3>\n- You want the flexibility to choose your payment due date<\/li>\n
- You’re interested in a lender that offers both personal loans and credit cards for bad credit<\/li>\n
- You appreciate having the option for direct payment to creditors for debt consolidation<\/li>\n
- You want access to free credit monitoring and educational resources<\/li>\n<\/ul><\/div>\n\n\n\n
Pros<\/h3>
Offers APR discounts for autopay<\/p>\n<\/li>
Flexible loan terms<\/p>\n<\/li>
Direct payment to creditors available<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Cons<\/h3>
Charges origination fees<\/p>\n<\/li>
Late fees apply<\/p>\n<\/li>
Failed payment attempt fees<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
3. Best Egg: Best for Secured Loan Options<\/h3>\n\n\n<\/div>You might consider Best Egg if:<\/h3>\n- You have valuable assets and prefer a secured loan option for better rates<\/li>\n
- You want a lender that offers both unsecured and secured personal loan options<\/li>\n
- You value a lender with a track record of high customer satisfaction<\/li>\n
- You’re looking for potential soft credit pull pre-qualification<\/li>\n<\/ul><\/div>\n\n\n\n
Pros<\/h3>
Offers secured loans with home fixtures as collateral<\/p>\n<\/li>
Flexible repayment terms<\/p>\n<\/li>
Unsecured loan options available<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Cons<\/h3>
Charges origination fees<\/p>\n<\/li>
Minimum credit score requirement of 600<\/p>\n<\/li>
May have stricter eligibility criteria<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
4. 5KFunds: Best for Quick Funding<\/h3>\n\n\n<\/a>Chosen 80,525<\/strong> times<\/span>- Check Rates without Credit Impact<\/li>
- No Minimum Credit Score<\/li>
- Large Network of Lenders<\/li><\/ul><\/div>Min Loan Amount<\/span>500<\/span><\/div>Max Loan Amount<\/span>35000<\/span><\/div>Lowest APR<\/span>5.99<\/span><\/div>Highest APR<\/span>35.99<\/span><\/div>Min Loan Term<\/span>2 Months<\/span><\/div>Max Loan Term<\/span>6 Years<\/span><\/div>Accepts bad credit:<\/span>Yes. <\/span><\/div>Minimum Age<\/span>18<\/span><\/div><\/div>See offer<\/a>More Info<\/a><\/div>4.2<\/span><\/a>Read 91<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<\/div>
You might consider 5KFunds if:<\/h3>\n- You want to save time by comparing multiple loan offers with a single application<\/li>\n
- You’re open to various types of loans, including personal loans, installment loans, and lines of credit<\/li>\n
- You value a quick and easy online application process<\/li>\n
- You’re looking for lenders who may consider factors beyond just your credit score<\/li>\n<\/ul><\/div>\n\n\n\n
Pros<\/h3>
Quick and easy application process<\/p>\n<\/li>
Connects you with multiple lenders<\/p>\n<\/li>
Free to use<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Cons<\/h3>
Not a direct lender<\/p>\n<\/li>
Rates and terms vary by lender<\/p>\n<\/li>
May receive marketing communications<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
5. LoansUnder36: Best for Comparing Multiple Lenders<\/h3>\n\n\n
<\/a>Chosen 10,265<\/strong> times<\/span>- Fast Funding<\/li>
- High Trustpilot Rating<\/li>
- High Acceptance Rate<\/li>
- No Repayment Penalty Fees<\/li><\/ul><\/div>Min Loan Amount<\/span>1000<\/span><\/div>Max Loan Amount<\/span>50000<\/span><\/div>Lowest APR<\/span>7.80<\/span><\/div>Highest APR<\/span>35.99<\/span><\/div>Min Loan Term<\/span>3 Years<\/span><\/div>Max Loan Term<\/span>5 Years<\/span><\/div>Accepts bad credit:<\/span>Yes. <\/span><\/div>Minimum Age<\/span>18<\/span><\/div><\/div>See offer<\/a>More Info<\/a><\/div>4.9<\/span><\/a>Read 7<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<\/div>
You might consider Upstart if:<\/h3>
- \n
- You have a limited credit history but a strong educational background or promising career trajectory<\/li>\n
- You want a lender that uses alternative data for approval, such as education and job history<\/li>\n
- You need funds quickly, as Upstart often provides next-day funding<\/li>\n
- You’re looking for a lender that accepts lower credit scores without requiring a co-signer<\/li>\n<\/ul><\/div>\n\n\n\n
Low minimum credit score requirement<\/p>\n<\/li>
Flexible loan amounts<\/p>\n<\/li>
Quick funding<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
No option to apply with a co-borrower<\/p>\n<\/li>
Limited repayment terms<\/p>\n<\/li>
Charges origination fees<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
2. Upgrade: Best for Flexible Terms<\/h3>\n\n\n
<\/a>Chosen 2,285<\/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><\/div>3.6<\/span><\/a>Read 18<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<\/div>
You might consider Upgrade if:<\/h3>
- \n
- You want the flexibility to choose your payment due date<\/li>\n
- You’re interested in a lender that offers both personal loans and credit cards for bad credit<\/li>\n
- You appreciate having the option for direct payment to creditors for debt consolidation<\/li>\n
- You want access to free credit monitoring and educational resources<\/li>\n<\/ul><\/div>\n\n\n\n
Offers APR discounts for autopay<\/p>\n<\/li>
Flexible loan terms<\/p>\n<\/li>
Direct payment to creditors available<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Charges origination fees<\/p>\n<\/li>
Late fees apply<\/p>\n<\/li>
Failed payment attempt fees<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
3. Best Egg: Best for Secured Loan Options<\/h3>\n\n\n
<\/div>You might consider Best Egg if:<\/h3>
- \n
- You have valuable assets and prefer a secured loan option for better rates<\/li>\n
- You want a lender that offers both unsecured and secured personal loan options<\/li>\n
- You value a lender with a track record of high customer satisfaction<\/li>\n
- You’re looking for potential soft credit pull pre-qualification<\/li>\n<\/ul><\/div>\n\n\n\n
Offers secured loans with home fixtures as collateral<\/p>\n<\/li>
Flexible repayment terms<\/p>\n<\/li>
Unsecured loan options available<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Charges origination fees<\/p>\n<\/li>
Minimum credit score requirement of 600<\/p>\n<\/li>
May have stricter eligibility criteria<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
4. 5KFunds: Best for Quick Funding<\/h3>\n\n\n
<\/a>Chosen 80,525<\/strong> times<\/span>- Check Rates without Credit Impact<\/li>
- No Minimum Credit Score<\/li>
- Large Network of Lenders<\/li><\/ul><\/div>Min Loan Amount<\/span>500<\/span><\/div>Max Loan Amount<\/span>35000<\/span><\/div>Lowest APR<\/span>5.99<\/span><\/div>Highest APR<\/span>35.99<\/span><\/div>Min Loan Term<\/span>2 Months<\/span><\/div>Max Loan Term<\/span>6 Years<\/span><\/div>Accepts bad credit:<\/span>Yes. <\/span><\/div>Minimum Age<\/span>18<\/span><\/div><\/div>See offer<\/a>More Info<\/a><\/div>4.2<\/span><\/a>Read 91<\/strong> reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<\/div>
You might consider 5KFunds if:<\/h3>
- \n
- You want to save time by comparing multiple loan offers with a single application<\/li>\n
- You’re open to various types of loans, including personal loans, installment loans, and lines of credit<\/li>\n
- You value a quick and easy online application process<\/li>\n
- You’re looking for lenders who may consider factors beyond just your credit score<\/li>\n<\/ul><\/div>\n\n\n\n
Quick and easy application process<\/p>\n<\/li>
Connects you with multiple lenders<\/p>\n<\/li>
Free to use<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n
Not a direct lender<\/p>\n<\/li>
Rates and terms vary by lender<\/p>\n<\/li>
May receive marketing communications<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n
5. LoansUnder36: Best for Comparing Multiple Lenders<\/h3>\n\n\n
Cons<\/h3>
Pros<\/h3>
Cons<\/h3>
Pros<\/h3>
Cons<\/h3>
Pros<\/h3>
Cons<\/h3>
Pros<\/h3>
![\"LoansUnder36\"](\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/09\/loansunder36.png\")
<\/a>