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13 Best Personal Loans for Fair Credit

If you’re struggling to get approved for a personal loan with fair credit, consider applying with a cosigner to improve your chances.

Angela Brown Angela Brown Updated March 17, 2023

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."

You’ll typically need good to excellent credit to qualify for a personal loan. If you have fair credit — usually considered to be a credit score between 640 and 699 — you might have a harder time getting approved. However, there are several lenders that offer personal loans for fair credit.

Keep in mind that the best personal loans for fair credit provide competitive interest rates, a wide selection of loan terms, and inclusive eligibility requirements.

Here’s what you should know about fair credit personal loans and where to find them:

  • 13 best personal loans for fair credit
  • Other personal loan lenders
  • How to qualify for a loan with fair credit
  • How to apply for a fair-credit loan
  • How to improve your fair credit score
  • How much will a fair credit personal loan cost?

13 best personal loans for fair credit

Before you take out a personal loan, it’s important to consider as many lenders as possible. This way, you can find the right loan for your situation.

Here are Credible’s partner lenders that offer personal loans for fair credit:

LenderFixed ratesLoan amountsMin. credit scoreLoan terms (years)


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
9.95% - 35.99% APR $2,000 to $35,000**5502, 3, 4, 5*
  • Fixed APR: 9.95% - 35.99% APR
  • Variable APR: N/A
  • Min. credit score: 550
  • Loan amount: $2,000 to $35,000**
  • Loan terms (years): 2, 3, 4, 5*
  • Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: Available in all states except HI, VT, MA, ME, NY, WV
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Loan servicer: Avant
  • Loan Uses: Debt consolidation, emergency expense, life event, home improvement, and other purposes
  • Min. Income: $1,200 monthly


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.99% - 35.99% APR $5,000 to $35,0006002, 3, 4, 5
  • Fixed APR: 8.99% - 35.99% APR
  • Variable APR: N/A
  • Min. credit score: 600
  • Loan amount: $2,000 to $50,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 1 to 3 business days after successful verification
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except DC, IA, VT, and WV
  • Customer service: Phone
  • Soft credit check: Yes
  • Loan servicer: Best Egg and Blue Ridge Bank
  • Min. Income: None
  • Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
6.99% - 24.99% APR $2,500 to $35,0006603, 4, 5, 6, 7
  • Fixed APR: 6.99% - 24.99% APR
  • Min. credit score: 660
  • Loan amount: $2,500 to $40,000
  • Loan terms (years): 3, 4, 5, 6, 7
  • Time to fund: As soon as the next business day after acceptance
  • Fees: Late fee
  • Discounts: None
  • Eligibility:  Available in all 50 states
  • Customer service: Phone
  • Soft credit check: Yes
  • Loan Uses: Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
10.5% - 29.99% APR $5,000 to $40,0006402, 3, 4, 5
  • Fixed APR: 10.5% - 29.99% APR
  • Min. credit score: 640
  • Loan amount: $3,000 to $40,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 2 to 5 business days after verification
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except MA and NV
  • Customer service: Phone, email, chat
  • Soft credit check: Yes
  • Min. Income: $25,000
  • Loan Uses: Debt consolidation and credit card consolidation


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.3% - 35.89% APR $1,000 to $40,0006003, 5
  • Fixed APR: 8.3% - 35.89% APR
  • Min. credit score: 600
  • Loan amount: $1,000 to $40,000
  • Loan terms (years): 3, 5
  • Time to fund: Usually takes about 2 days†
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all 50 states
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Loan servicer: LendingClub Bank
  • Min. Income: None
  • Loan Uses: Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.99% - 35.99% APR $2,000 to $36,5006002, 3, 4, 5, 6
  • Fixed APR: 7.99% - 35.99% APR
  • Min. credit score: 600
  • Loan amount: $2,000 to $36,500
  • Loan terms (years): 2, 3, 4, 5, 6
  • Time to fund: As soon as the next business day
  • Fees: Origination fee
  • Discounts: Autopay
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: $20,000
  • Loan Uses: Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.99% - 23.99% APR $5,000 to $100,0007002, 3, 4, 5, 6, 7
(up to 12 years for home improvement loans)
  • Fixed APR: 5.99% - 23.99% APR
  • Min. credit score: 700
  • Loan amount: $5,000 to $100,000
  • Loan terms (years): 2, 3, 4, 5, 6, 7*
  • Time to fund: As soon as the same business day
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all states except VT
  • Customer service: Phone, email
  • Soft credit check: No
  • Loan servicer: LightStream
  • Min. Income: Does not disclose
  • Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
18.0% - 35.99% APR $1,500 to $20,000None2, 3, 4, 5
  • Fixed APR: 18.0% - 35.99% APR
  • Min. credit score: None
  • Loan amount: $1,500 to $20,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 1 to 2 business days after approval
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Must have photo I.D. issued by U.S. federal, state or local government
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: Does not disclose


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.74% - 17.99% APR $600 to $50,000
(depending on loan term)
7001, 2, 3, 4, 5
  • Fixed APR: 7.74% - 17.99% APR
  • Min. credit score: 700
  • Loan amount: $600 to $50,000*
  • Loan terms (years): 1, 2, 3, 4, 5
  • Time to fund: 2 to 4 business days after verification
  • Fees: None
  • Discounts: None
  • Eligibility: Does not disclose
  • Customer service: Phone, email
  • Soft credit check: No
  • Min. Income: Does not disclose
  • Loan Uses: Debt consolidation, home improvement, transportation, medical, dental, life events


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
11.69% - 35.93% APR7 $1,000 to $50,0005603, 5
  • Fixed APR: 11.69% - 35.93% APR7
  • Min. credit score: 560
  • Loan amount: $1,000 to $50,000
  • Loan terms: 3, 5, or 7 years 8
  • Time to fund: Within one day, once approved9
  • Loan types: Debt consolidation, pay off credit cards, home improvements, unexpected expenses, home and auto repairs, weddings, and other major purchases
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: A U.S. citizen or permanent resident; not available in DC, IA
  • Customer service: Phone, email
  • Soft credit check: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
8.49% - 35.97% APR $1,000 to $50,0006002, 3, 5, 6
  • Fixed APR: 8.49% - 35.97% APR
  • Min. credit score: 600
  • Loan amount: $1,000 to $50,000*
  • Loan terms (years): 2 to 7
  • Time to fund: Within a day of clearing necessary verifications
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: Available in all states except Washington, DC
  • Customer service: Email
  • Soft credit check: Yes
  • Min. Income: Does not disclose
  • Loan Uses: Debt consolidation, credit card refinancing, home improvement, and other purposes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.4% - 35.99% APR4 $1,000 to $50,00055803, 5, or 7 years4
  • Fixed APR: 5.4% - 35.99% APR4
  • Min. credit score: 580
  • Loan amount: $1,000 to $50,0005
  • Loan terms (years): 3, 5, or 7 years4
  • Time to fund: As soon as 1 - 3 business days6
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all 50 states
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: $12,000
  • Loan Uses: Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes
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Trustpilot

All APRs reflect autopay and loyalty discounts where available | LightStream disclosure | 10SoFi Disclosures | Read more about Rates and Terms

Avant

Avant could be a good choice for borrowers with poor or fair credit. You can borrow $2,000 to $35,000* with repayment terms from two to five years.**

4.5
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Avant Personal Loans
Fixed APR
Range of fixed rates available from this lender
9.95% - 35.99% APR
Min. credit score
Minimum credit score needed to qualify
550
Loan amount
Total amount you can borrow from this lender
$2,000 to $35,000**
Time to fund
How long it takes to receive your money
As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)

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  • Fixed APR: 9.95% - 35.99% APR
  • Variable APR: N/A
  • Min. credit score: 550
  • Loan amount: $2,000 to $35,000**
  • Loan terms (years): 2, 3, 4, 5*
  • Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: Available in all states except HI, VT, MA, ME, NY, WV
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Loan servicer: Avant
  • Loan Uses: Debt consolidation, emergency expense, life event, home improvement, and other purposes
  • Min. Income: $1,200 monthly

Pros

  • Accepts poor credit scores
  • Funding as soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
  • No prepayment penalty

Cons

  • Not available in Colorado, Iowa, Hawaii, Vermont, Nevada, New York, or West Virginia
  • Administration fee up to 4.75%
  • Charges late and dishonored payment fees

Best Egg

With Best Egg, you can borrow $2,000 to $50,000 with repayment terms from two to five years. If you’re approved, you could have your funds within one to three business days after successful verification — which could make it a good option if you need cash quickly.

4.5
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Best Egg Personal Loans
Fixed APR
Range of fixed rates available from this lender
8.99% - 35.99% APR
Min. credit score
Minimum credit score needed to qualify
600
Loan amount
Total amount you can borrow from this lender
$2,000 to $50,000
Time to fund
How long it takes to receive your money
As soon as 1 to 3 business days after successful verification

Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.

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  • Fixed APR: 8.99% - 35.99% APR
  • Variable APR: N/A
  • Min. credit score: 600
  • Loan amount: $2,000 to $50,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 1 to 3 business days after successful verification
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except DC, IA, VT, and WV
  • Customer service: Phone
  • Soft credit check: Yes
  • Loan servicer: Best Egg and Blue Ridge Bank
  • Min. Income: None
  • Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes

Pros

  • Might be able to borrow up to $50,000
  • Accepts poor credit scores
  • Fast loan funding

Cons

  • Not available in Iowa; Vermont; Washington, D.C.; or West Virginia.
  • 0.99% to 8.99% origination fee
  • Charges late fees

Discover

If you’re looking for a longer repayment term, Discover could be a good choice — you can borrow $2,500 to $33,000 and can pick a term from three to seven years. Just keep in mind that opting for a longer term means you’ll pay more in interest over time.

4.4
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Discover Personal Loans
Fixed APR
Range of fixed rates available from this lender
6.99% - 24.99% APR
Min. credit score
Minimum credit score needed to qualify
660
Loan amount
Total amount you can borrow from this lender
$2,500 to $40,000
Time to fund
How long it takes to receive your money
As soon as the next business day after acceptance

Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.

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  • Fixed APR: 6.99% - 24.99% APR
  • Min. credit score: 660
  • Loan amount: $2,500 to $40,000
  • Loan terms (years): 3, 4, 5, 6, 7
  • Time to fund: As soon as the next business day after acceptance
  • Fees: Late fee
  • Discounts: None
  • Eligibility:  Available in all 50 states
  • Customer service: Phone
  • Soft credit check: Yes
  • Loan Uses: Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding

Pros

  • Repayment terms up to 7 years
  • Funding as soon as the next business day after acceptance
  • If you decide you don’t want the loan, you can return the funds within 30 days and won’t be charged interest

Cons

  • Minimum credit score is in the upper range of fair credit
  • Charges late fees
  • Can’t add a cosigner to the loan

LendingClub

LendingClub personal loans range from $1,000 to $40,000 with three- or five-year repayment terms. You might also get a lower rate if you plan to use a LendingClub personal loan to pay off credit cards or other debt and let LendingClub pay your creditors directly.

4.5
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
LendingClub Personal Loans
Fixed APR
Range of fixed rates available from this lender
8.3% - 35.89% APR
Min. credit score
Minimum credit score needed to qualify
600
Loan amount
Total amount you can borrow from this lender
$1,000 to $40,000
Time to fund
How long it takes to receive your money
Usually takes about 2 days†

Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.

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  • Fixed APR: 8.3% - 35.89% APR
  • Min. credit score: 600
  • Loan amount: $1,000 to $40,000
  • Loan terms (years): 3, 5
  • Time to fund: Usually takes about 2 days†
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all 50 states
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Loan servicer: LendingClub Bank
  • Min. Income: None
  • Loan Uses: Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes

Pros

  • Could get a lower rate if you use your loan to consolidate debt and let LendingClub pay your creditors directly
  • Accepts poor credit scores
  • Credit score won’t be affected if you’re denied a loan

Cons

  • Origination fees from 1% to 6%
  • Charges late fees
  • Limited repayment terms (only three or five years)

LendingPoint

LendingPoint specializes in working with borrowers who have near-prime credit — typically meaning a credit score in the upper 500s or 600s. You can borrow $2,000 to $36,500 with repayment terms from two to six years.

4.7
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
LendingPoint Personal Loans
Fixed APR
Range of fixed rates available from this lender
7.99% - 35.99% APR
Min. credit score
Minimum credit score needed to qualify
600
Loan amount
Total amount you can borrow from this lender
$2,000 to $36,500
Time to fund
How long it takes to receive your money
As soon as the next business day

Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.

Check Personalized Rates
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View Details
  • Fixed APR: 7.99% - 35.99% APR
  • Min. credit score: 600
  • Loan amount: $2,000 to $36,500
  • Loan terms (years): 2, 3, 4, 5, 6
  • Time to fund: As soon as the next business day
  • Fees: Origination fee
  • Discounts: Autopay
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: $20,000
  • Loan Uses: Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes

Pros

  • Accepts poor credit scores
  • Funding as soon as the next business day
  • Very competitive rates for borrowers with poor or fair credit

Cons

  • Can only borrow up to $25,000
  • Origination fees from 0% to 8%
  • Not available in Nevada or West Virginia

LightStream

If you need to borrow a large amount, LightStream could be a good option — you can borrow $5,000 to $100,000. Most LightStream loans come with terms from two to seven years, but if you’ll be using the loan for home improvements, you could have up to 12 years to repay it.

4.9
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
LightStream Personal Loans
Fixed APR
Range of fixed rates available from this lender
5.99% - 23.99% APR
Min. credit score
Minimum credit score needed to qualify
700
Loan amount
Total amount you can borrow from this lender
$5,000 to $100,000
Time to fund
How long it takes to receive your money
As soon as the same business day

Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.

Check Personalized Rates
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View Details
  • Fixed APR: 5.99% - 23.99% APR
  • Min. credit score: 700
  • Loan amount: $5,000 to $100,000
  • Loan terms (years): 2, 3, 4, 5, 6, 7*
  • Time to fund: As soon as the same business day
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all states except VT
  • Customer service: Phone, email
  • Soft credit check: No
  • Loan servicer: LightStream
  • Min. Income: Does not disclose
  • Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes

Pros

  • Loans up to $100,000
  • Funding as soon as the same business day
  • 0.50% autopay discount

Cons

  • Minimum credit score is in the upper range of fair credit
  • Not available in Rhode Island or Vermont
  • Doesn’t disclose minimum income requirements

OneMain Financial

Unlike many other lenders, OneMain Financial has no minimum required credit score — which means you might have an easier time getting approved even if you have poor or fair credit. In addition to your credit history, OneMain Financial considers your financial history, income, and expenses to determine your creditworthiness.

You can borrow $1,500 to $20,000 with repayment terms from two to five years. Keep in mind that larger loan amounts might require collateral.

4.1
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
OneMain Financial Personal Loans
Fixed APR
Range of fixed rates available from this lender
18.0% - 35.99% APR
Min. credit score
Minimum credit score needed to qualify
None
Loan amount
Total amount you can borrow from this lender
$1,500 to $20,000
Time to fund
How long it takes to receive your money
As soon as 1 to 2 business days after approval

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  • Fixed APR: 18.0% - 35.99% APR
  • Min. credit score: None
  • Loan amount: $1,500 to $20,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 1 to 2 business days after approval
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Must have photo I.D. issued by U.S. federal, state or local government
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: Does not disclose

Pros

  • No minimum credit score
  • Funding as soon as the same day (usually requires a visit to a branch office)

Cons

  • Loan origination fees vary by state
  • If approved, you’ll need to visit a branch location to discuss your options
  • Higher rates compared to other lenders

PenFed

A PenFed personal loan could be a good option if you only need to borrow a small amount — you can borrow as little as $600 up to $50,000 with repayment terms from one to five years. PenFed also charges no fees for its loans.

4.7
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
PenFed Personal Loans
Fixed APR
Range of fixed rates available from this lender
7.74% - 17.99% APR
Min. credit score
Minimum credit score needed to qualify
700
Loan amount
Total amount you can borrow from this lender
$600 to $50,000*
Time to fund
How long it takes to receive your money
2 to 4 business days after verification

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  • Fixed APR: 7.74% - 17.99% APR
  • Min. credit score: 700
  • Loan amount: $600 to $50,000*
  • Loan terms (years): 1, 2, 3, 4, 5
  • Time to fund: 2 to 4 business days after verification
  • Fees: None
  • Discounts: None
  • Eligibility: Does not disclose
  • Customer service: Phone, email
  • Soft credit check: No
  • Min. Income: Does not disclose
  • Loan Uses: Debt consolidation, home improvement, transportation, medical, dental, life events

Pros

  • Can borrow small loan amounts
  • No fees
  • Can use for a variety of purposes

Cons

  • Minimum credit score is in the upper range of fair credit
  • Doesn’t disclose minimum income requirements
  • Must join the credit union if you are approved and decide to accept the loan

Universal Credit

You can borrow $1,000 to $50,000 with Universal Credit and choose a term of three or five years. In addition, Universal Credit will pay off your cards directly if you opt for a credit card payoff loan. You might also get a rate discount.

4.6
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Universal Credit Personal Loans
Fixed APR
Range of fixed rates available from this lender
11.69% - 35.93% APR7
Min. credit score
Minimum credit score needed to qualify
560
Loan amount
Total amount you can borrow from this lender
$1,000 to $50,000
Time to fund
How long it takes to receive your money
Within one day, once approved9

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  • Fixed APR: 11.69% - 35.93% APR7
  • Min. credit score: 560
  • Loan amount: $1,000 to $50,000
  • Loan terms: 3, 5, or 7 years 8
  • Time to fund: Within one day, once approved9
  • Loan types: Debt consolidation, pay off credit cards, home improvements, unexpected expenses, home and auto repairs, weddings, and other major purchases
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: A U.S. citizen or permanent resident; not available in DC, IA
  • Customer service: Phone, email
  • Soft credit check: Yes

Pros

  • Accepts poor or fair credit scores
  • Free credit monitoring and educational resources
  • Funding within one day, once approved

Cons

  • Origination fees from 5.25% to 8.99%
  • Higher rates compared to other lenders
  • Limited information on its website

Upgrade

With Upgrade, you can borrow $1,000 to $50,000 with terms of two, three, five, or six years. Additionally, Upgrade provides free credit monitoring and educational resources that could help be helpful for building your credit.

4.8
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Upgrade Personal Loans
Fixed APR
Range of fixed rates available from this lender
8.49% - 35.97% APR
Min. credit score
Minimum credit score needed to qualify
600
Loan amount
Total amount you can borrow from this lender
$1,000 to $50,000*
Time to fund
How long it takes to receive your money
Within a day of clearing necessary verifications

Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.

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  • Fixed APR: 8.49% - 35.97% APR
  • Min. credit score: 600
  • Loan amount: $1,000 to $50,000*
  • Loan terms (years): 2 to 7
  • Time to fund: Within a day of clearing necessary verifications
  • Fees: Origination fee
  • Discounts: Autopay
  • Eligibility: Available in all states except Washington, DC
  • Customer service: Email
  • Soft credit check: Yes
  • Min. Income: Does not disclose
  • Loan Uses: Debt consolidation, credit card refinancing, home improvement, and other purposes

Pros

  • Fast approval decisions
  • Free credit monitoring and educational resources
  • Funding within a day of clearing necessary verifications

Cons

  • Origination fees from 1.85% to 8.99%
  • Not available in West Virginia
  • Limited repayment terms (three or five years)

Upstart

In addition to your credit, Upstart will also consider your education and job history to determine creditworthiness — which means you might still qualify even if you have little to no credit history. You can borrow $1,000 to $50,0005 with Upstart.

4.6
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Upstart Personal Loans
Fixed APR
Range of fixed rates available from this lender
5.4% - 35.99% APR4
Min. credit score
Minimum credit score needed to qualify
580
Loan amount
Total amount you can borrow from this lender
$1,000 to $50,0005
Time to fund
How long it takes to receive your money
As soon as 1 - 3 business days6

Ready to find a personal loan?
Compare rates from top personal loan lenders to find the right one for you.

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View Details
  • Fixed APR: 5.4% - 35.99% APR4
  • Min. credit score: 580
  • Loan amount: $1,000 to $50,0005
  • Loan terms (years): 3, 5, or 7 years4
  • Time to fund: As soon as 1 - 3 business days6
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all 50 states
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: $12,000
  • Loan Uses: Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes

Pros

  • Considers education and job history in addition to credit
  • No prepayment penalty
  • Low minimum income requirement ($12,000)

Cons

  • Origination fees from 0% to 10%
  • Charges late and returned check fees
  • Not available in Iowa or West Virginia

Learn More: 13 Best Debt Consolidation Loans for Fair Credit

Methodology

To find the “best companies,” Credible looked at loan and lender data points from 10 categories to give you a well-rounded perspective on each of our partner lenders. Here’s what we considered:

  • Interest rates
  • Repayment terms
  • Repayment options
  • Maximum loan amount
  • Loan funding time
  • Fees
  • Discounts
  • Customer service availability
  • Whether the minimum credit score is available publicly
  • Whether consumers could request rates with a soft credit check

Our hope is that this will be a win-win situation for you and us — we only want to get paid if you find a loan that works for you, not by selling your data. This means Credible will only get paid by the lender if you finish the loan process and a loan is disbursed. Additionally, Credible charges you no fees of any kind to compare your loan options.

Other personal loan lenders

There are also other lenders that offer personal loans for fair credit. Keep in mind that these lenders aren’t offered through Credible, so you won’t be able to easily compare your rates with them on the Credible platform like you can with our partner lenders.

Lender
Loan terms (years)
Loan amount
citizens bank

Show details
3, 4, 5, 6, 7
$5,000 - $50,000
  • Rates: Fixed
  • Loan terms (years): 3, 4, 5, 6, 7
  • Loan amount: $5,000 - $50,000
  • Fees: None
  • Discounts: Autopay, loyalty
  • Eligibility: Does not disclose
  • Min. income: Does not disclose
  • Customer service: Phone
  • Soft credit check: Yes
  • Min. credit score: Does not disclose
  • Time to get funds: 1 - 3 days
earnest

Show details
3, 4, 5
$5,000 - $75,000
  • Rates: Fixed
  • Loan terms (years): 3, 4, 5
  • Loan amount: $5,000 - $75,000
  • Fees: Does not disclose
  • Discounts: Autopay
  • Eligibility: Available in all states except AL, DE, KY, NV, and RI
  • Min. income: Does not disclose
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. credit score: 680
  • Time to get funds: 1 - 3 days
The lenders in this table aren't our partners. But you can use Credible to compare rates in 2 minutes from other lenders who offer personal loans.

Get Rates Now

Check Out: How Do Personal Loans Work?

How to qualify for a loan with fair credit

While eligibility criteria vary between lenders, there are a few common requirements you’ll likely come across, including:

  • Fair to excellent credit: To get approved for a personal loan, you typically need good to excellent credit — however, there are also several lenders that will work with borrowers who have fair credit. Fair credit usually refers to credit scores from 640 to 699, but you might be able to qualify with a score as low as 580 with certain lenders.
  • Verifiable income: Lenders want to see that you can afford to repay the loan. Some have minimum income requirements while others don’t — but in either case, you’ll likely need to show proof of income.
  • Low debt-to-income ratio: Your debt-to-income (DTI) ratio is the amount you owe in debt payments each month compared to your income. Personal loan lenders usually like to see a DTI ratio of 40% or less — though some lenders might make exceptions to this.

Consider applying with a cosigner

If you’re struggling to get approved for a personal loan, consider applying with a creditworthy cosigner to improve your chances. Even if you don’t need a cosigner to qualify, having one could get you a lower interest rate than you’d get on your own.

Keep in mind that not all lenders allow cosigners on personal loans, but some do. Here are Credible’s partner lenders that offer personal loans for fair credit and also permit cosigners:

LenderFixed rates from (APR)Loan amounts


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
8.3% - 35.89% APR $1,000 to $40,000


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
5.99% - 23.99% APR $5,000 to $100,000


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
10.5% - 29.99% APR $5,000 to $40,000



Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
7.74% - 17.99% APR $600 to $50,000
(depending on loan term)
Compare rates from these lenders without affecting your credit score. Just keep in mind, you won’t be able to get a personal loan with a cosigner through Credible.

Compare Now


Trustpilot

All APRs reflect autopay and loyalty discounts where available | LightStream disclosure | 10SoFi Disclosures | Read more about Rates and Terms

Learn More: How Personal Loans Impact Your Credit Score

How to apply for a fair-credit loan

If you’re ready to apply for a fair-credit personal loan, follow these four steps:

  1. Research and compare lenders. Be sure to compare as many personal loan lenders as possible to find the right loan for your needs. Consider not only interest rates but also repayment terms, any fees charged by the lender, and credit requirements.
  2. Pick your loan option. After you’ve compared lenders, choose the loan option that works best for you.
  3. Complete the application. Once you’ve picked a loan option, you’ll need to fill out a full application and submit any required documentation, such as tax returns or pay stubs.
  4. Get your funds. If you’re approved, the lender will have you sign for the loan so the money can be released to you. The time to fund for a personal loan is usually about one week — though some lenders will fund loans as soon as the same or next business day after approval.

Check Out: How to Get a Fast Personal Loan for Quick Cash

How to choose a fair credit lender

While personal loan lenders might appear similar on the surface, it’s important to do your research and compare your options from as many lenders as possible. This way, you can find a loan that best suits your needs.

Here are some important points to keep in mind as you weigh your options:

  • Interest rate: Your interest rate will play a major role in determining your overall loan cost. Several factors will influence the rates you’re offered, including your credit score and repayment term. In general, the higher your credit score, the better your rate will be. Applying with a cosigner might also help you get a lower interest rate.
  • Loan amount: You can typically borrow $600 up to $100,000 (or more) with a personal loan. Be sure to borrow only what you need to keep your repayment costs manageable.
  • Repayment term: Personal loan repayment terms usually range from one to seven years, depending on the lender. While choosing a longer term might get you a lower monthly payment, it’s usually best to choose the shortest term you can afford to keep your interest costs as low as possible. Additionally, many lenders offer better rates to borrowers who opt for shorter terms.
  • Fees: Some lenders charge fees on personal loans (such as origination fees or late fees), which could increase your overall loan cost. Note that if you take out a loan with one of Credible’s partner lenders, you won’t have to worry about prepayment penalties.
Keep in mind: Credible only partners with vetted, trustworthy lenders. If you choose to take out a loan with one of Credible’s partners, you can rest assured that you’ll be working with a quality lender.

Learn More: Where to Get a Personal Loan

How to improve your fair credit score

While you might still be able to get a personal loan with bad credit or fair credit, these loans usually have higher interest rates compared to good credit loans.

However, there are a few ways to potentially improve your credit score so you can qualify for better rates in the future, such as:

  • Make all of your payments on time. Your payment history makes up the largest part of your FICO credit score. Paying all of your bills on time can help build a positive payment history and possibly boost your credit score.
  • Pay down credit card balances. The next largest part of your credit score is your credit utilization — which is how much you owe on revolving credit lines compared to your limits. If you can pay down your balances to lower your credit utilization — such as by paying more than the minimum on your balances — you could help build your credit.
  • Consolidate your debt. Another way to potentially lower your credit utilization is by using a personal loan to consolidate credit cards and other debt. Personal loans usually come with lower interest rates than credit cards, which means taking out a debt consolidation loan might save you money on interest charges, too.
  • Get credit for other bills. You can have payments for utilities, phones, subscriptions, and more reported to the credit bureaus by using a service like Experian Boost. This can quickly help boost your credit score.

Learn More: How Debt Consolidation Loans Can Help Your Credit Score

What does a fair credit score mean?

Your credit score is a three-digit number that lenders use to determine how likely you are to repay a loan. Credit scores can range from poor to excellent — here’s how these ranges break down:

Credit score rangesCredit rating
Below 640Poor
640 to 699Fair
700 to 749Good
750 and upExcellent

Generally, the better your credit score, the more likely lenders will be willing to work with you. If you have a fair credit score (in the range of 640 to 699), your credit isn’t necessarily bad, but it could make it harder to qualify for a loan. Fair credit loans also tend to come with higher interest rates compared to good credit loans.

Remember that your credit score is made up of five factors — payment history, credit utilization, credit history length, credit mix, and new credit. This means that there could be multiple reasons why you have a fair credit score — for example, maybe you’ve:

  • Missed some payments on your bills
  • Racked up high credit balances
  • Applied for several new loans in a short period of time

How much will a fair credit personal loan cost?

How much a personal loan will cost mainly depends on your credit and the interest rate you qualify for. In general, the better your credit score, the lower your interest rate — and the less you’ll pay over the life of the loan.

For example: Borrowers who used Credible to get a three-year personal loan in May 2021 and who had credit scores between 640 and 679 received an average personal loan interest rate of 24.57%.

If you took out a $10,000 personal loan with a three-year term and this 24.57% rate, you’d end up paying $6,348 in interest over the life of the loan. But if you were able to improve your credit and qualify for a lower interest rate of 18%, you’d pay only $4,522 in interest.

Before taking out a personal loan, it’s important to consider how much that loan will cost you. This way, you can be prepared for any added expenses. You can estimate how much you’ll pay for a loan using our personal loan calculator below.

Enter your loan information to calculate how much you could pay

? Enter the total amount borrowed $
? Enter your annual interest rate %
or
? Enter the amount of time you have to repay your loan years
Total Payment $
Total Interest $
Monthly Payment $

With a $ loan, you will pay $ monthly and a total of $ in interest over the life of your loan. You will pay a total of $ over the life of the loan.


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Keep Reading: Types of Personal Loans


Methodology: Credible evaluated loan and lender data points in 8 categories to identify the “best companies” that offer personal loans to anyone with a credit score of 640 to 699. We looked at interest rates, repayment terms, repayment options, fees, discounts, and customer service availability offered by 21 lenders. We also considered each company’s max loan amount, how long it takes to receive funds, whether the minimum credit score is available publicly, and whether consumers could request rates with a soft credit check.

Credible receives compensation from its lender partners when a user of the Credible platform closes a loan with the lender.

Learn about Credible’s mission and promise to our readers.


About Rates and Terms: Rates for personal loans provided by lenders on the Credible platform range between 5.40%-35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 10%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 12, 2019, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

About the author
Angela Brown
Angela Brown

Angela Brown is a student loan, personal finance, and real estate authority and a contributor to Credible. Her work has appeared in Fox Business, LendingTree, FinanceBuzz, and Yahoo Finance.

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Home » All » Personal Loans » 13 Best Personal Loans for Fair Credit

Personal Loan Basics


  • Personal Loan Interest Rates
  • How to Get a Personal Loan
  • Qualify for a Personal Loan
  • Where to Get a Personal Loan
  • Time to Fund a Personal Loan
  • How to Get Out of Credit Card Debt

Personal Loan Amounts

  • Get a $5,000 Loan
  • Get a $10,000 Loan
  • Get a $20,000 Loan
  • Get a $50,000 Loan
  • Get a $100,000 Loan

Tools and Resources

  • Good Credit Loans
  • Fair Credit Loans
  • Bad Credit Loans
  • Get Personal Loan Rates
  • Current Personal Loan Rates
  • Best Personal Loan Lenders
  • Best Debt Consolidation Loans
  • Personal Loan Calculator
  • Lender Reviews

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