Compare Bad Credit Loans
Options for lower credit scores. Last updated April 2025.
NetCredit
APR Range
34.00% – 155.00%
Check the lender for current rates
Loan Amount
$500 – $10,000
Min Credit
500+
NetCredit specializes in personal loans for borrowers with bad or limited credit history.
You apply on the lender’s site
Bad Credit Loans — Frequently Asked Questions
What is the best bad credit loans rate right now?
Bad Credit Loans rates depend on the lender, loan amount, term and your credit profile, and they change often. Compare current offers from several lenders and check each lender's published rates before you apply.
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.