Trusted by 100,000+ borrowers with bad credit

Bad Credit Loans:
$1,000 to $35,000

Don't let a low credit score stop you. We connect you with lenders who specialize in bad credit loans - credit scores as low as 500 accepted. Check your rate in 2 minutes with no impact to your credit score.

✓ No credit score impact  •  ✓ Takes 2 minutes  •  ✓ Funds as soon as tomorrow

100K+

Bad Credit Approvals

500

Min. Credit Score

$35K

Max. Loan Amount

24 hrs

Fast Funding

Check Your Bad Credit Loan Options

What Are Bad Credit Loans?

Bad credit loans are personal loans designed specifically for borrowers with low credit scores. While traditional banks typically require scores of 670 or higher, bad credit lenders work with borrowers whose FICO scores fall in the "poor" (300-579) or "fair" (580-669) range.

These loans provide a path to get the funds you need while also offering an opportunity to rebuild your credit through on-time payments. Unlike payday loans or title loans, bad credit personal loans have fixed monthly payments and reasonable terms.

Our lender network specializes in evaluating your complete financial picture - your current income, employment stability, and ability to repay - not just the three-digit number on your credit report.

Loan amounts $1,000 - $35,000 - Borrow what you need
Credit scores 500+ accepted - Low scores welcome
Fixed monthly payments - Know your exact payment
Reports to credit bureaus - Build credit over time
Terms from 12-60 months - Flexible repayment

What Credit Score Do You Need?

Our lenders work with all credit situations

We Accept
300-579
Poor Credit

Yes, you can still qualify. Lenders focus on your income and ability to repay.

We Accept
580-669
Fair Credit

Good approval odds with competitive rates from multiple lenders.

670-739
Good Credit

Strong approval rates. You may qualify for better rates.

740+
Excellent Credit

Best rates available. Compare offers to find the lowest APR.

How Bad Credit Loans Work

Simple 3-step process to get funded

1

Check Your Rate

Fill out our simple form in 2 minutes. We only need basic info about your income and loan needs. No credit impact.

2

Compare Offers

Get matched with lenders who specialize in bad credit. Review your personalized offers and pick the best one.

3

Get Your Funds

Complete your application with the lender and receive funds as soon as the next business day.

What Can You Use a Bad Credit Loan For?

Personal loans can be used for almost any purpose

Debt Consolidation

Combine multiple high-interest debts into one lower monthly payment and simplify your finances.

Emergency Expenses

Cover unexpected bills, medical expenses, or urgent repairs when you need funds fast.

Home Repairs

Fix that leaky roof, replace appliances, or tackle home improvement projects.

Major Purchases

Finance a car repair, new appliances, or other large expenses with predictable payments.

Medical Bills

Pay off medical debt or cover healthcare costs not covered by insurance.

Credit Building

Take out a small loan and make on-time payments to improve your credit score over time.

Bad Credit Loan FAQ

Answers to common questions

Yes, many lenders in our network work with borrowers who have credit scores as low as 500. While approval depends on factors like income and employment, having bad credit doesn't automatically disqualify you. Our lender network specializes in bad credit loans and looks at your complete financial picture, not just your credit score.
Bad credit typically means a FICO score below 580, though some lenders consider scores below 670 as subprime. Credit scores are categorized as: Excellent (800-850), Very Good (740-799), Good (670-739), Fair (580-669), and Poor (300-579). If your score falls in the "Poor" or "Fair" range, you're a candidate for bad credit loans.
Bad credit loan amounts typically range from $1,000 to $35,000, depending on your income, state regulations, and specific lender. First-time borrowers often qualify for $1,000-$5,000 initially, with the opportunity to qualify for larger amounts after demonstrating payment history. Some lenders offer up to $50,000 for qualified borrowers with sufficient income.
Interest rates for bad credit loans typically range from 18% to 35.99% APR, though rates vary by lender and your specific situation. While higher than rates for excellent credit borrowers, these rates are significantly lower than payday loans (which can exceed 400% APR) or credit card cash advances. The key is comparing multiple offers to find your best rate.
No. Checking your rate through SwipeSolutions uses a soft credit inquiry, which does NOT affect your credit score. You can see your personalized offers without any risk. A hard inquiry only occurs if you choose to formally apply with a specific lender after reviewing your options.
Many lenders can deposit funds as soon as the next business day after approval. The timeline depends on how quickly you complete the application and verification process. Some lenders offer same-day funding for applications completed early in the day.

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Bad Credit Loans by State

Find bad credit lenders in your state

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See what you qualify for in just 2 minutes. No impact to your credit score.

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