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Best Bad Credit Loans of 2025

Options for lower credit scores. We compared 15+ lenders to find the top picks for every borrower profile. Last updated April 2025.

Personal LoansBusiness LoansMortgagesAuto LoansStudent LoansBad Credit Loans
Our picks: We evaluated bad credit loans from 50+ lenders based on APR, fees, loan amounts, minimum credit score, funding speed, and customer reviews. Featured lenders are verified partners. We may earn a commission when you apply — this never affects our ratings.
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NetCredit

4(1,654 reviews)

APR Range

34.00% – 155.00%

Loan Amount

$500 – $10,000

Min Credit

500+

NetCredit specializes in personal loans for borrowers with bad or limited credit history.

Check My Rate Full Review

Soft pull only · No credit impact

Bad Credit Loans — Frequently Asked Questions

What is the best bad credit loans rate right now?

The best bad credit loans rates start around 7–9% APR for borrowers with excellent credit (720+). Rates vary by lender, loan amount, term, and your credit profile. Use our comparison tool above to check personalized rates without impacting your credit.

How do I qualify for a bad credit loans?

Most lenders require a minimum credit score of 580–680, verifiable income, and a debt-to-income ratio under 45–50%. Some lenders specialize in borrowers with lower credit scores. Compare your options above to find lenders that match your profile.

How long does it take to get funded?

Many online lenders fund within 1–3 business days after approval. Some offer same-day or next-day funding. Traditional banks can take 5–10 business days.