Bad Credit Loans
Loans designed for borrowers with FICO scores under 600.
Typical Range
$300 – $5,000
Typical Term
3 – 36 months
Best For
Borrowers with damaged credit who need funds quickly and want to rebuild over time.
About Bad Credit Loans
Bad credit loans look beyond your credit score to factors like income, employment, and banking history. Options include installment loans, secured loans, credit-union PALs, and online lenders that specialize in subprime borrowers. APRs are higher than prime loans but typically lower than payday alternatives, and on-time payments help rebuild credit.
Key Features
- Open to scores below 600
- Soft prequalification
- Income-based approval
- Reports to credit bureaus
- Funds as soon as next day
Pros
- Available to subprime borrowers
- Helps rebuild credit
- More flexible underwriting
- Faster than bank loans
Cons
- Higher APRs
- Smaller loan amounts
- Shorter terms
- Limited lender options in some states
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