Personal loans for fair credit

If your FICO^® Score^Θ is 600 or 650, you still have great options for a personal loan. Get cash fast and compare rates with no impact to your credit scores.

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Checking your options won’t hurt your credit scores

Graphic personal loan with pen and money.

Compare personal loans for fair credit from our partners

As of February 2026, compare personal loans with APRs as low as 4.99%, loan amounts up to $250,000 and one-day funding options available.

Best for flexible term length: Avant

(223 reviews)

97%

would recommend

View all offers from Avant

Recommended FICO^® Score^Θ

Fair - Very Good

Est. APR	9.95 - 35.95%
Term	24 - 60 mo
Loan amount	$2,000 - $35,000
Est. monthly payment	$92 - $1,264

Loan details

Personal loans from $2,000 to $35,000¹ entirely online
Checking your loan options will not affect your credit score
Funding as soon as next business day²
No collateral needed and customer support available 7 days a week

Lender disclosure

¹ Loan amounts range from $2,000 to $35,000. APR ranges from 9.95% to 35.99% with the lowest rates available only for the most creditworthy borrowers. Loan lengths range from 24 to 60 months. Administration fee up to 9.99%. If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state. Administration fee is deducted from the loan proceeds and paid to the Lender. Any administration fee of 5% or less of the initial loan amount is not refundable. Administration fee amount in excess of 5% of the initial loan amount is refundable on a prorated basis over the remaining term of the loan when and if the loan is paid in full prior to its original maturity date. A partial prepayment does not trigger a refund of any administration fee amount. Borrower recognizes that the Administration fee is deemed part of the loan principal and is subject to the accrual of interest.

² Personal loan funds are generally deposited via ACH for delivery next business day if approved by 4:30 pm CT Monday-Friday.

Example: A $5,700 loan with an administration fee of 9.99% and an amount financed of $5,130.57, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $217.66.

New Mexico consumer brochure for common terms and definitions and regulations around rates and fees.

Avant branded credit products are issued by WebBank.

Why we picked it^†

Avant is an online lender that offers competitive interest rates to people with fair credit and above. Borrowers can benefit from available fast funding as soon as three business days after approval. Loan amounts range from $2,000 to $35,000 with repayment terms ranging from 24 to 60 months.
There is no prepayment penalty, but you may incur an origination fee. The lender’s interest rates are competitive with a range of low to high fixed rates. Avant also offers a hardship program for borrowers facing financial difficulties, providing options like deferred payments, extended loan terms or temporarily reduced monthly payments on a case-by-case basis.

Pros and cons

Accessibility for fair-credit borrowers
Flexible loan amounts
Fast funding

Charges an upfront administrative fee
Potentially high interest rate
No cosigners allowed

Best for fast funding: LendingPoint

(112 reviews)

96%

would recommend

View all offers from LendingPoint

Recommended FICO^® Score^Θ

Fair - Good

Est. APR	7.99 - 35.99%
Term	24 - 48 mo
Loan amount	$2,000 - $30,000
Est. monthly payment	$90 - $1,187

Loan details

Loans from $2,000 to $36,500 and no prepayment penalties
Rates from 7.99% to 35.99% APR
Check your rate without impacting your credit score
Simple online application
Funds available as soon as the next business day upon approval
LendingPoint's innovative technology allows them to understand the individual creditworthiness of every applicant
Terms from 24 - 72 months
Fixed monthly payment and simple interest
LendingPoint has thousands of five-star reviews on Trustpilot
LendingPoint has an A+ rating from the Better Business Bureau

Lender disclosure

Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

Why we picked it^†

LendingPoint is an online lender that offers available fast funding on loans for borrowers with fair credit. You can receive same-day approval and funds can be available as quick as one business day after approval. Loan sizes range from $2,000 to $30,000 with repayment terms ranging from 24 to 48 months.
There is no prepayment penalty, but you may incur an origination fee. The lender’s interest rates are competitive with a range of low to high fixed rates. LendingPoint loans aren’t available in every state.

Pros and cons

Accessibility for fair-credit borrowers
Quick loan funding
Offers prequalification

Potentially high interest rate
May charge an origination fee
Not available in all states

Best for secured loan options: Reprise Financial

(134 reviews)

85%

would recommend

View all offers from Reprise Financial

Recommended FICO^® Score^Θ

Poor - Good

Est. APR	9.99 - 35.99%
Term	36 - 60 mo
Loan amount	$1,000 - $35,000
Est. monthly payment	$32 - $1,264

Loan details

Affordable loans from $1,000 to $35,000 with low fixed rates from 9.99% to 35.99% APR
Consolidate your debt, reduce your monthly payments or get cash back to use for just about anything
Simplify your financial picture with fixed rates, payments that stay the same, clear terms, and no prepayment penalties
Easy online account management with dedicated specialists standing by to answer your questions

Lender disclosure

Reprise Financial branded credit products are originated by WebBank in select states. To qualify for this offer you must apply and continue to meet the criteria used to select you for this offer. Your loan terms and loan approval depend on your credit history, proof of sufficient income to pay your bills (including this loan), banking history, and, for certain applicants, your ability to provide sufficient collateral. The loan offer amount is inclusive of the amount financed and any applicable fees. Loan fees (including origination fees) differ by state. Loans terms typically range from 36 to 60 months with Annual Percentage Rates (APRs) between 9.99 to 35.99%. The minimum loan amount in GA is $3,500. In all other states, the minimum loan amount is $2,500. Loan proceeds may not be used to finance gambling, illegal activity, commercial activity, or post-secondary educational expenses as defined by Regulation Z. If your loan is funded by 3pm CST (not including weekends or holidays) you will receive your funds the next business day. Interest on your loan will begin to accrue the first business day after your loan funds. Both unsecured and loans secured by your vehicle are provided. Not all applicants will qualify for unsecured loans. Loans secured by an automobile may not be available to borrowers covered by the Military Lending Act. If you apply for a loan, Reprise Financial will contact you on the phone number provided to discuss the application and your submission of an application affirms your consent to be contacted by Reprise Financial, including through an automated telephone dialing system.

Example Loan: A $9,000 personal loan with a 25% APR that is repayable in 48 monthly installments would have monthly payments of $298.73.

Why we picked it^†

Reprise Financial personal loans are a good choice for fair credit borrowers due to flexible approval criteria and fast funding. They offer both secured and unsecured loans and prequalification with a soft credit check. Loan amounts range from $1,000 to $35,000 with repayment terms ranging from 36 to 60 months.
Borrowers can qualify for one-day funding and can chat with live customer service representatives during the application process. However, these loans aren’t available in all states and Reprise doesn’t accept self-employed income as a primary source of income.

Pros and cons

Quick loan funding
No prepayment penalty
Offers prequalification

Has an origination fee
Doesn’t allow self-employed income as primary income source
Not available in all states

Best for same-day funding: Zable Personal Loans

(29 reviews)

90%

would recommend

View all offers from Zable Personal Loans

Recommended FICO^® Score^Θ

Fair - Very Good

Est. APR	11.11%
Term	12 - 60 mo
Loan amount	$1,000 - $15,000
Est. monthly payment	$88 - $327

Loan details

Quick and easy online application. Most applications complete in less than 10 minutes.
No Prepayment Penalties
Zable loan offers are pre-approved, so what you see is what you get. Offer rates don’t change after application.
Same day ACH for applications approved before 3:30 pm EST.
Zable is rated excellent on Trustpilot.
Funds in as few as 5 days⁴ - No waiting for months on end for the funding you need.
No personal collateral required - Get funded without leveraging your personal assets.
Dedicated concierge service - Speak to highly trained loan specialists who are available around your busy schedule.
Simplified finances - Take advantage of affordable, extended-term¹ financing to pay down your debt and turn multiple bills into a single loan.
20+ years of lending experience - We understand your unique needs and will provide you with a fully tailored financial solution.

Lender disclosure

Approval is subject to Income and identity verification; fraud, credit, and bank account checks; and state law restriction. Credit checks include whether unsecured personal loans were found to be obtained within the past 90 days from this loan application. Bank accounts must have a positive balance on the information provided at the time of application and are subject to review.

This offer is conditioned upon your submission of a complete application, and our final approval based on our consideration and verification of financial and non-financial information. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, and resides in the US. Not all applicants will qualify. When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you proceed with your application, we do another (hard) credit inquiry that may impact your credit score.

Zendable, LLC is registered in New York as Zendable of New York, LLC under the assumed name Zable. Zendable, LLC and Zable loans are made by Cross River Bank where APR is under 30% or New Horizon Bank, N.A., where APR is 30% or greater, Members FDIC, Equal Housing Opportunity Lenders. This is not a deposit product.

Why we picked it^†

Zable personal loans can be a good fit for fair credit borrowers with a low minimum credit score requirement and a simple online application process. Borrowers can prequalify without affecting their credit score and can access loan amounts from $1,000 to $15,000 with flexible terms.
A key advantage is Zable’s fast funding—approved applicants may receive funds as soon as same-day if the loan is approved by 3:30 pm ET on business days. The lender also allows one payment date change per year and accepts various income sources, making it a competitive option for those with fair credit. However, Zable personal loans aren’t available in every state.

Pros and cons

Same-day funding
No prepayment penalty
Offers prequalification

Has an origination fee
No cosigners
Not available in all states

(667 reviews)

94%

would recommend

View all offers from Upstart

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	6.70 - 35.99%
Term	36 - 60 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$31 - $1,806

Loan details

Loan amounts from $1,000 - $50,000
APRs from 6.7% - 35.99% with loan terms of 3 or 5 years
Won't affect your credit score
You can have funds in as fast as 1 day
You are more than your credit score. On Upstart your education and experience help you get the rate you deserve.

Lender disclosure

This offer is conditioned on final approval based on our consideration and verification of financial and non-financial information. Rate, loan amount, and loan terms are subject to change based upon information received in your full inquiry on our site. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, a US citizen or permanent resident, and a current resident of the US. Closing your loan is contingent on your meeting our eligibility requirements, our verification of your information, and your agreement to the terms and conditions on the Upstart.com website. Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000). The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

While most loans through Upstart are unsecured, certain lenders may place a lien on other accounts you hold with the same institution. There may be an option to secure your personal loan through Upstart with your vehicle, which will require a lien to be placed on the vehicle. It is important to review your promissory note for these details before accepting your loan.

(592 reviews)

97%

would recommend

View all offers from Best Egg

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	6.99 - 35.99%
Term	36 - 60 mo
Loan amount	$2,000 - $50,000
Est. monthly payment	$62 - $1,806

Loan details

You could get money in your account in as little as one business day
With a fixed APR, your monthly payment will be the same
No pre-payment penalties if you choose to pay it down quicker
Trusted company with an A+ BBB rating and a 4.8/5 Trustpilot TrustScore‡

Lender disclosure

‡ TrustPilot Trust Score = 4.6*
*Trustpilot TrustScore as of April 2025. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender, Column N.A., Member FDIC, Equal Housing Lender, or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa,Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/

(1752 reviews)

98%

would recommend

View all offers from LendingClub Bank

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	4.99 - 32.39%
Term	24 - 60 mo
Loan amount	$1,000 - $60,000
Est. monthly payment	$44 - $2,030

Loan details

LendingClub Bank offers loan amounts from $1,000 - $60,000, flexible terms, and no pre-payment penalties
Check your rate with no impact to your credit score¹
Fast Funding - Once your loan is approved for funding, we’ll pay your creditors directly or send the money in as little as 24 hours²

Lender disclosure

¹Checking a rate through us generates a soft inquiry on a person’s credit report, which does not impact that person’s credit score. A hard credit inquiry, which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person.

²Between Jan 2025 to June 2025, 55% of LendingClub Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $17,413 for a term of 36 months, with an interest rate of 12.49% and a 6.00% origination fee of $1,045 for an APR of 16.86%. In this example, the borrower will receive $16,369 and will make 36 monthly payments of $582. Loan amounts range from $1,000 to $60,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 7.90% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of Apr 22, 2025 and are subject to change without notice.

Loans are made by LendingClub Bank, N.A., Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of this platform, which is an unrelated third party (“third party”), and is not responsible for any products and services provided by this third party. Credit eligibility is not guaranteed. Loans are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures. “LendingClub” and the “LC” symbol are trademarks of LendingClub Bank.

(477 reviews)

96%

would recommend

View all offers from Upgrade

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	6.50 - 33.64%
Term	36 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$31 - $2,223

Loan details

Affordable loans from $10,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your personal loan through Upgrade is easy and will give you a clear payoff date

Lender disclosure

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For certain discounts, collateral may be required. Repayment terms from 24 to 84 months. For example, if you receive a $10,000 unsecured loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states. Upgrade is a financial technology company, not a bank. Personal loans issued by Upgrade's bank partners: https://www.upgrade.com/bank-partners/.

(114 reviews)

97%

would recommend

View all offers from Prosper

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	8.99 - 35.99%
Term	24 - 60 mo
Loan amount	$2,000 - $50,000
Est. monthly payment	$91 - $1,806

Loan details

More than $25 billion loans funded
Join America's first personal loan marketplace with over 1 million members
Next Day Funding - In as Little as One Business Day**
Get fixed monthly payments with no prepayment penalties

Lender disclosure

Terms presented, including APR and monthly payment amount, are estimated and created based on information entered by you and through analysis of historical data on loans through Prosper. Your eligibility for a loan and actual terms depend on the information you provide in your application, and other variables including, but not limited to, your credit score, Prosper Rating, loan amount, loan term, employment and income details, credit usage and history. Eligibility for personal loans up to $50,000 depends on a number of factors, including (but not limited to) your financial history, credit score, monthly income, and monthly expenses. Eligibility for personal loans is not guaranteed, and requires sufficient investor commitments to fund. Your monthly payment amount may be different in the final month of your loan.

Personal loans through Prosper have an annual percentage rate ("APR") of 8.99% to 35.99%, terms between two and five years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 16.66% and a 8.99% origination fee results in a 23.53% APR. You would receive $9,101.00 and make 36 scheduled monthly payments of $354.84. A five-year $10,000 personal loan with an interest rate of 18.73% and a 8.99% origination fee results in a 23.26% APR. You would receive $9,101.00 and make 60 scheduled monthly payments of $257.92. The average APR for loans with a 3-year term funded between January 1, 2025, and June 30, 2025, was 23.53%.

Whether you are eligible for a specific APR or loan term will depend on a number of factors, including (but not limited to) your current credit rating and information you provide in your application. The lowest rates are for the most creditworthy applicants. Your actual rate may differ.

You may receive your funds one business day following your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's transaction processing speed.

All personal loans made by WebBank.

(25 reviews)

100%

would recommend

View all offers from Happy Money

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	7.70 - 24.50%
Term	24 - 60 mo
Loan amount	$5,000 - $50,000
Est. monthly payment	$225 - $1,453

Loan details

7.95% - 29.99% APR
Quickly check your rate without affecting your credit score
No prepayment, late, or check-processing fees

Lender disclosure

(63 reviews)

95%

would recommend

View all offers from Reach Financial

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	7.99 - 35.99%
Term	24 - 60 mo
Loan amount	$5,000 - $40,000
Est. monthly payment	$226 - $1,445

Loan details

Customize Your Payment
90% of loans are funded within 1 day^§
No pre-payment penalties
A+ BBB Rating
100% US Based Customer Service

Lender disclosure

All loans are subject to eligibility criteria and review of creditworthiness and history. Terms and conditions apply. All loans advertised are unsecured personal loans issued by FinWise Bank, a Utah chartered commercial bank, member FDIC, as creditor, on the Reach Financial platform. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, and the loan term you select. Fixed Annual Percentage Rates (APR) range from 14.30% to 35.99%. You could receive a loan of $10,000 with an interest rate of 13.65%, an origination fee of $400, for an APR of 15.49%, which would result in total payment of $13,852 with 60 monthly payments of $230.87. Total approved loan amount reflects origination fee, which ranges from 4% to 8%.

^Â§Within 24 hours of your loan approval, loan proceeds will be available to pay the creditors named on your Truth-In-Lending Disclosure.

(35 reviews)

90%

would recommend

View all offers from Achieve

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	6.99 - 26.99%
Term	24 - 60 mo
Loan amount	$15,000 - $50,000
Est. monthly payment	$672 - $1,526

Loan details

Fixed-rate loans from $5,000 to $50,000. APRs from 8.99% to 29.99%
Interest rate discounts possible with a co-borrower, direct payment of creditors, or sufficient retirement assets*
Loan terms of 2, 3, 4, or 5 years
If approved, funds sent within 24-72* hours. Loan consultants available via phone at (888) 494-6066.

Lender disclosure

Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, Delaware Branch, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 36.00% and include applicable origination fees that vary from 1.99% to 9.99%. Repayment periods range from 24 to 60 months. Example loan: four-year, $20,000 loan with an origination fee of 8.99%, a rate of 15.49%, and corresponding APR of 20.77%, would have an estimated monthly payment of $561.60 and a total cost of $26,966.26. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time. Average savings claims for personal loans are based on 2023 data for 2, 3, and 4-year terms on funded debt consolidation loans for $21,600. Savings will vary based on several factors, subject to credit approval and other conditions. Any savings will be reflected in the offer.

(59 reviews)

83%

would recommend

View all offers from BHG Financial

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	6.39 - 24.99%
Term	60 - 120 mo
Loan amount	$20,000 - $250,000
Est. monthly payment	$390 - $5,686

Loan details

Terms up to 10 years¹,²: Lower monthly payments and more cash flow
Competitive, fixed rates: More affordable, predictable monthly payments
No impact on personal credit to apply³
Hassle-free application: Streamlined process with minimal paperwork
Fast approval: Get your decision in as little as 24 hours⁴
Quick funding: Receive your money in as few as 5 days⁴
No personal collateral required: Get funded without leveraging personal assets
Dedicated concierge support: Access expert loan specialists on your schedule
One solution: Consolidate multiple bills into one affordable, monthly payment
20+ years of experience: Tailored solutions from a trusted lending partner

Lender disclosure

Not all solutions, loan amounts, rates or terms are available in all states.

¹Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile.

²For example, if you request a $60,000 unsecured loan with an 84-month term and a 17.06% APR (which includes a 15.99% yearly interest rate and a 3% one-time origination fee), you would receive $58,200 and would have a required monthly payment of $1,191.38. Rates and terms are for illustrative purposes only and may vary based on creditworthiness and other factors. The APR includes the origination fee. Not all applicants will qualify for the lowest rate. Loan terms and availability are subject to change without notice. Loan amount may vary based upon request amount and cash to you.

³There is no impact on your credit for applying. For personal loans, a complete credit history, which will appear as an inquiry on your credit report, will be performed upon acceptance and funding of the loan and may impact your credit.

⁴This is not a guaranteed offer of credit and is subject to credit approval.

No application fees, commitment, or impact on personal credit to estimate your payment.

Consumer loans funded by Pinnacle Bank, a Tennessee bank, or County Bank. Equal Housing Lenders.

For California Residents: BHG Financial loans made or arranged pursuant to a California Financing Law license - Number 603G493.

Advertised rates are subject to change without notice.

The APR and other loan terms presented are estimates only and not guaranteed.

Testimonial(s) based on unique customer experience. Individual customer experiences may vary.

Google Play and the Google Play logo are trademarks of Google LLC.

Apple Store and the App Store logo are registered trademarks of Apple Inc.

(40 reviews)

97%

would recommend

View all offers from Universal Credit

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	9.66 - 33.64%
Term	36 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$32 - $2,223

Loan details

Affordable loans from $1,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your personal loan through Upgrade is easy and will give you a clear payoff date

Lender disclosure

Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99% and a 5.25%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Repayment terms from 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states.

(1020 reviews)

94%

would recommend

View all offers from OneMain Financial

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	18.00 - 35.99%
Term	36 - 60 mo
Loan amount	$1,500 - $20,000
Est. monthly payment	$54 - $723

Loan details

BBB Accredited Business, Rated Excellent on Trustpilot (100,000+ 5-star reviews)
100+ years responsible lending
Affordable, simple fixed terms, no prepayment penalty
Complete our online application in minutes
Money as fast as 1 hour after loan closing (see details below)
We’re here online or in person at over 1,300 community branches nationwide

Lender disclosure

You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral. Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07. OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees. Current OneMain Customers: Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates. If a customer applies for a new loan offer, a OneMain representative will discuss available options. Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral. If you are covered by the MLA, you are not eligible for secured loans. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes. Time to Fund Loans: Funding within one hour after loan closing through SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after closing.

How to find the best personal loan for you

Know your FICO^® Score^Θ

It plays a big role in the personal loans you’re likely to qualify for, and the rates and terms you might get.

Compare loan options

Determine how much you’ll need, then look for a low APR and monthly payment that fits your budget.

Look for extra benefits

Consider lender-specific perks, like getting a reduced interest rate if you set up autopay.

Get pre-qualified

Once you find a personal loan to apply for, pre-qualifying first can tell you if you’re likely to be approved.

No impact to your credit scores if you’re not approved

Experian’s No Ding Decline™^⊛

When applying for a loan, most lenders will perform a hard inquiry on your credit report which can negatively impact your credit scores. With Experian’s No Ding Decline, only a soft inquiry is performed when applying for loans labeled No Ding Decline, so if you are declined there is no impact to your credit scores.

See your loan options

You could save up to $3,763* with a low, fixed-rate personal loan, even with fair credit

	High-interest credit card	Personal loan with fair credit
Balance	$11,700	$11,700
Monthly payment	$359 for 60 months	$297 for 60 months
Average interest rate	27.30%	17.93%
Total paid with interest	$21,562	$17,799
*Estimated interest savings: $3,763

Personal loan calculator

Use this calculator to compare loan amounts, rates, and terms to estimate what you’ll pay for your loan.

Frequently asked questions

A FICO^® Score from 580 to 669 is considered fair credit. With this type of credit score it can be harder to get approved for loans. However, personal loans typically have lower interest rates than credit cards, which can help you save money on interest. Experian will help you compare loans for individuals with fair credit and find the best offers that you can qualify for.

Absolutely! With a fair credit score you may pay more in interest and fees, but you’ll likely find lenders who will work with you.

If you want to give yourself the best chance at approval and secure better terms you can:

Check your credit report to know where you currently stand and to look for any errors.
Pay down existing debt to lower your debt-to-income ratio (DTI).
Consider getting a cosigner to improve your creditworthiness.

Pros:

With funding times as little as one business day, you can access funds quickly for emergencies or other important expenses that may arise.
Personal loans with fair credit often have lower interest rates than credit cards.
Most personal loans don’t require any collateral like a car or home to get approved.

Cons:

With a lower credit score, interest rates and fees may be higher.
You will be taking on additional debt. This is why it is important to think about why you’re borrowing the money and how you’ll use it.
While having fixed payment amounts can help with budgeting, they offer less flexibility than credit cards with minimum payment amounts.

While personal loans are incredibly versatile, taking on unnecessary debt can put pressure on your budget and threaten your financial security. What's more, taking on more debt than you can afford to pay off can potentially damage your credit score.

The best ways to use a personal loan responsibly involve improving your financial or living situation or avoiding more expensive debt. Here are just a few examples:

Debt consolidation: This can help you save money on interest if you pay off higher-interest debt using the funds.
Emergency costs: If you have some unexpected expenses and don't have sufficient emergency savings, a personal loan can help you avoid more expensive financing options and give you time to get back on your feet financially.
Medical expenses: Unexpected medical bills can cause financial stress, and a personal loan can help cover these expenses so you can get the necessary treatment without the burden of immediate out-of-pocket expenses.

Prequalifying for a loan with fair credit uses a soft inquiry that will not affect your credit score. To prequalify, all you have to do is answer a few questions about the loan you’re looking for and we will match you to your loan offers.

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Advertiser Disclosure: The offers that appear on this site are from third party companies that may compensate Experian Consumer Services when consumers engage with them, for example, by clicking an offer link, when an application is approved, or when an account is opened. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

^†Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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How to find the best personal loan for you

Know your FICO® ScoreΘ

Compare loan options

Look for extra benefits

Get pre-qualified

No impact to your credit scores if you’re not approved

Experian’s No Ding Decline™⊛

You could save up to $3,763* with a low, fixed-rate personal loan, even with fair credit

Personal loan calculator

Frequently asked questions

What is a fair credit personal loan?

Can you qualify for a personal loan with fair credit?

How you can improve your loan approval odds

Pros and cons of personal loans with fair credit

Pros:

Cons:

What are common uses for personal loans with fair credit?

Will applying for a loan hurt my credit?

Learn more about personal loans

What Are the Different Types of Personal Loans?

How to Prequalify for a Personal Loan

Should I Get a 0% APR Card or Personal Loan?

5 Steps for Moving Your Credit Score From Fair to Good

Can You Get a Personal Loan With Fair Credit?

How to Get a Personal Loan: A Step-by-Step Guide

Know your FICO^® Score^Θ

Experian’s No Ding Decline™^⊛