Personal Loans for Good, Fair and Bad Credit

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Personal Loans for Good, Fair and Bad Credit

An unsecured personal loan can be a great way to consolidate your debt and have a lower rate fixed monthly payment. The interest that you are charged and other terms of a personal loan will be greatly influenced by your credit score and other factors.personal loan

If you are looking for a personal loan for good, fair or even bad credit, take a look at these offers below.

SoFi

With SoFi you are able to lend from $5000 to $100 000. The rates are between 4.73 to 11.74%. With this loan you will need to have a credit score of 700 or more. There are no origination fees and it is available in 47 states

Upstart

With Upstart you are able to borrow between $3000 and $35 000. The interest rate varies from 4.66 to 29.99%. You will need to have a minimum FICO score of 640. Upstart will take your education and job history into account. You are able to access your funds the next business day.

Discover

With Discover you are able to get a personal loan of between $2500 and $30 000. The APR rates are between 6.99 and 29.99%. You will need to have a minimum FICO score of 620. This loan is available in 50 states and there is no origination fee.

Payoff

You can borrow between $5000 and $25 000. The APR rate is 8 and 22%. You will need to have a minimum FICO score of 660. The loan is available in 31 states and can only be used for credit card refinancing.

Lending Club

With Lending Club you can borrow between $1000 and $40 000. The interest rates are between 5.99 and 35.96%. The minimum FICO score is 600. The loan is available in 49 states.

Prosper

You are able to borrow between $2000 and $35 000. The interest varies between 5.99 and 36%. You will need to have a minimum FICO score of 640. The loan is available in 43 states.

Pave

With Pave you can borrow between $3000 and $25000. The APR is between 6 and 26.26%. The minimum FICO score is 660. This loan is good for those that have a shorter credit history. The loan can be obtained in 34 states.

LightStream

You are able to borrow between $5000 and $100 000. The APR is charged between 2.99 and 14.49% and the minimum FICO score is 680. LightStream offer same day funding in certain circumstances. There are no origination fees and they do not issue college or business loans.

Earnest

With Earnest you can borrow between $2000 and $50 000. The APR is 5.25 – 12%. You will need to have a credit score of 700 to qualify. There are no origination fees and it is available in 36 states.

LendingPoint

You are able to borrow between $3500 and $20 000. The APR is 17.46 and 35.99%. The minimum FICO is 600. They do accept poor credit and is available in 13 states.

Vouch

With Vouch you can borrow between $2000 and $15 000. The APR is 10.68 to 29.99%. The minimum FICO is 600. They do accept poor credit. Your interest rate can be lowered or your loan amount can be increased when there is one or more co-signer.

Peerform

With Peerform you are able to borrow between $1000 and $25 000. The APR rates are between 7.12 and 29.99%. The minimum FICO is 600. Peerform accepts poor credit.

OneMain

OneMain allows you to borrow between $1500 and $15 000. The APR rates are 12.99 and 35.99%. OneMain accepts poor credit. There is same day funding in one of the 1100 locations if you are approved by noon. The loan is available in 43 states.

Avant

Avant allows you to borrow between $1000 and $35 000. The interest rate is charged between 9.95 and 36%. The minimum FICO score is 580. Poor credit is accepted. There is next day business funding and it is available in 46 states.

 

Personal Loan Offers

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Here is a look at some personal loan offers.personal loans

Lending Club

With the Lending Club you are able to get a loan amount of $10 000. The APR estimate is between 7.75% – 8.99%. The estimated repayment that you will have to make is $312.

With this loan you are able to pay down your credit card or pay them off. You have the chance to make one low monthly payment that is fixed. You are able to build credit whilst you pay down your debt and the process is easy online.

Light Stream

With Light Stream you can get a loan of $10 000 and the APR estimate is as low as 5.99%. The estimated repayment that you will have to make is $304.

The debt consolidation rates are from 5.99% to 10.29%. There are no fees or prepayment penalties. They accept joint applications and you can get a loan between $5000 and $100 000.

Prosper

Prosper offers loan amounts of $10 000 with an APR estimate of 6.76% – 7.74%. The estimated repayment is $308.

The rates start at 5.99%. You will have access to the loan in just 5 minutes and you can get up to $35 000 in as little as 5 days.

Freedom Plus

The loan amount is $10 000 and the estimated APR is 15.56% – 21.05%. Your estimated repayment is between $349.40 – $377.01.

With Freedom Plus you will receive competitive rates and are able to get loans up to $35 000. The approval takes 24 hours and you have access to the money in 48 hours. There are no prepayment penalties, no collateral needed and no hidden fees.