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Rates: 10.49 - 29.49%Credit Score: 620Loan Amount: $1,000 - $100,000Pros:
- Fast funding
- Wide range of loan amounts
- Rate discount for autopay
- Option to choose initial payment date
Cons:- Only available to credit union members
- No option to pre-qualify with a soft credit check
- No co-sign or joint loan option
Alliant Credit Union offers fast personal loans between $1,000 and $100,000 with terms of up to five years. While you don’t need to be a -
Loan Amount: $4,000 - $100,000Qualifications:
Minimum FICO credit score: Did not disclose
Minimum credit history: Did not disclose
Minimum annual gross income: $18,000
Maximum debt-to-income ratio: Did not disclose
Bankruptcy-related restrictions: Has restrictions but details not disclosed
States covered: All except AK, HIPros:- Competitive interest rates
- Mobile banking options
- No opening balance requirement
- No monthly maintenance fees
- No origination fee
- Pre-qualify with a soft credit check
Cons:- Limited branch locations
- Opt-in overdraft charges
- Savings rates are never the highest
- Few local branches
Capital One Auto Finance offers financing for new and used cars, but only through its network of participating dealerships. It also provides refinancing for existing -
Rates: 5.39 - 21.00%Terms: 24 - 72 monthsCredit Score: 575Loan Amount: $8,000 - $100,000Best for: Car LoansQualifications:
Minimum FICO credit score: 575
Minimum credit history: None
Minimum annual gross income: $18,000
Maximum debt-to-income ratio: Did not disclose
Bankruptcy-related restrictions: Takes into consideration prior and current bankruptcy
States covered: All states except AK and HIPros:- Competitive interest rates
- Fast application process
- No origination fees
- FICO scores of 575 or above considered
Cons:- Vehicle restrictions
- Loans not available for residents of Alaska or Hawaii
- $8,000 minimum loan amount for new cars
Want to save time looking for your next auto loan? Consider myAutoLoan, where you’ll get competing bids from up to four lenders at once, rather -
Rates: 5.54 - 17.54%Credit Score: 620Loan Amount: $7,500 - $500,000Best for: Car PurchaseQualifications:
Minimum FICO credit score: 620
Minimum credit history: None
Minimum annual gross income: None
Maximum debt-to-income ratio: No set requirement, but is generally 50% or under for approved loans
Bankruptcy-related restrictions: No open bankruptcies
States covered: All 50 states
Membership: Requires paying a one-time $5 membership fee and maintaining a $5 balance in a share/savings accountPros:- Offers rate estimates through its website using a soft credit check
- Takes applications online, by phone, in branches or at authorized dealerships in Illinois and southern Wisconsin
- Offers rate discount with automatic payment
- Provides online car-buying service with discounted pricing
- Allows co-signers
Cons:- Credit union membership required to get a loan
- No rate discounts if using online car-buying service
- Social Security number required for online rate estimate
Consumers Credit Union helps its members finance or refinance auto loans for up to 84 months with no maximum or minimum loan amounts, prepayment penalties -
Rates: 18.00 - 35.99%Terms: 2 - 5 yearsCredit Score: NoneLoan Amount: $1,500 - $20,000Pros:
- Option to choose and change your payment date
- Joint and secured loans
- Fast funding
- Direct payment to creditors on debt consolidation loans
Cons:- Rates are high compared to other lenders
- Charges origination fee
- No rate discounts
- Limited loan amounts
OneMain Financial is a personal loan lender that operates branches in 44 states around the country and makes loans available to applicants with bad credit. -
Rates: 11.69 - 35.99%Terms: 3 - 5 yearsCredit Score: 560Loan Amount: $1,000 - $50,000Qualifications:
Minimum credit score: 560
Minimum number of accounts on credit history: 1 account
Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for
Minimum length of credit history: 2 years
Minimum income requirement: None. Lender accepts income from alimony, retirement, child support, Social Security and other sourcesPros:- Offers direct payment to creditors with debt consolidation loans
- Fast funding
- Offers multiple rate discounts
- Offers free credit score access
Cons:- Charges origination fee
- Borrowers can choose from only two repayment term options
Universal Credit personal loans are best for borrowers with low credit scores who want a loan with features that will help their scores. Universal Credit’s -
Rates: 9.95 - 35.99%Terms: 1 - 5 yearsCredit Score: 550Loan Amount: $2,000 - $35,000Pros:
- Fast funding
- Option to change your payment date
- Option to pre-qualify with a soft credit check
- Mobile app to manage loan
Cons:- May charge an origination fee
- No co-signed, joint or secured loans
- No rate discounts
Avant is an online lending platform that offers personal loans to borrowers with fair and bad credit. The company says most of its customers have -
Rates: 9.57 - 35.99%Terms: 3 - 5 yearsCredit Score: 600Loan Amount: $1,000 - $40,000Qualifications:
Minimum credit score: 600; average borrower score is above 700
Minimum income: None; lender requires proof of income. Borrower average is $100,000 per year
Maximum DTI: 40%
Minimum credit history: 36 months and two accountsPros:- Joint loan option
- Direct payment to creditors with debt consolidation loans
- Option to pre-qualify with a soft credit check
- Option to change your payment date
- Fast funding
Cons:- Origination fee
- No mobile app to manage loan
- Limited term lengths
LendingClub is a digital marketplace that offers totally branchless banking and personal loans between $1,000 and $40,000. The fintech company works with a network of -
Rates: 11.25 - 29.99%Terms: 2 - 5 yearsCredit Score: 640Loan Amount: $5,000 - $40,000Best for: Credit Card ConsolidationQualifications:
Minimum credit score: 640
Minimum credit history: 3 years and 2 accounts
Maximum debt-to-income ratio: 55%
Minimum income: None; lender will assess cash flow
No bankruptcies filed in past two yearsPros:- Pre-qualify with soft credit check
- Direct payment to creditors with debt consolidation loans
- Fast funding
- Hardship program
Cons:- Origination fee
- No rate discount
- No joint, co-sign or secured loan options
- No option to choose initial payment date
Happy Money offers competitive credit card consolidation loans ranging from $3,000 to $40,000. These loans are designed to help consumers pay off their credit card -
Rates: 7.99 - 35.99%Terms: 2 - 5 yearsCredit Score: 660Loan Amount: $2,000 - $36,500Qualifications:
Minimum credit score: 660. LendingPoint uses FICO score version 9 and VantageScore version 3
Minimum credit history: 6 months
Maximum debt-to-income ratio: 50%, not including mortgagePros:- Soft credit check to pre-qualify
- Fast funding
- Offers mobile app to manage loan payments
- Option to change your payment date
Cons:- Reports payments to only two of the three major credit bureaus
- No joint, co-signed or secured loans
- No large loan amounts
- Does not directly pay creditors with debt consolidation loans
If you have poor or damaged credit, your options for borrowing a personal loan may be limited. Fortunately, LendingPoint offers unsecured personal loan options for
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