Personal Loans for Bad Credit: Guaranteed Approval Options 2025
Feb 16, 2026
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Finance
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Personal Loans for Bad Credit: Find Guaranteed Approval Options
Bad credit does not mean you are out of options. Several lenders specialize in personal loans for borrowers with low credit scores.
Best Personal Loans for Bad Credit 2025
| Lender | Min Score | APR Range | Loan Amount |
|---|
| Upgrade | 560 | 9.99% - 35.99% | $1K - $50K |
| Upstart | 300 | 7.8% - 35.99% | $1K - $50K |
| Avant | 580 | 9.95% - 35.99% | $2K - $35K |
| OneMain Financial | None | 18% - 35.99% | $1.5K - $20K |
Types of Bad Credit Loans
- Unsecured Personal Loans: No collateral, higher rates
- Secured Personal Loans: Lower rates with collateral
- Payday Alternative Loans: Credit union options, 28% APR cap
- Buy Now, Pay Later: Split purchases, 0% if paid on time
How to Improve Approval Odds
- Check credit report for errors
- Pre-qualify with multiple lenders (soft check)
- Consider a co-signer with good credit
- Add collateral for secured loan
- Show stable income with documentation
Average Personal Loan Rates by Credit Score
| Credit Score | Average APR |
|---|
| 720-850 (Excellent) | 10% - 14% |
| 690-719 (Good) | 14% - 18% |
| 630-689 (Fair) | 18% - 25% |
| 300-629 (Poor) | 25% - 36% |
Predatory Lending Warning Signs
- APR above 36%
- Upfront fees before approval
- Pressure to sign immediately
- No physical address or license
- Requests for gift card payments
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