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How to Get a Personal Loan With a 600 Credit Score

Several lenders offer personal loans for fair credit, but they might come with higher interest rates.

Kat Tretina Kat Tretina Edited by Maddie Lloyd Updated January 25, 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."

Having a fair credit score could make it more difficult to qualify for a personal loan. But there are personal loan lenders that provide options for borrowers with fair credit.

While it’s possible to get a personal loan with a 600 credit score, these loans may come with higher interest rates and less favorable terms. That’s why it’s important to shop around and compare multiple lenders to find the best loan for your unique financial situation.

Here’s everything you need to know about getting a personal loan with a 600 credit score:

  • 15 personal loans for a 600 credit score
  • How to apply for a personal loan with a 600 credit score
  • Can you get a personal loan with a 600 credit score?
  • How to raise your credit score

15 personal loans for a 600 credit score

Several personal loan lenders are willing to work with borrowers who have a fair credit score — generally meaning a FICO score between 580 and 669.

Here are Credible’s partner lenders that offer personal loans to borrowers with credit scores in the 600s:

LenderFixed ratesLoan amountsMin. credit score


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 $10,000 to $50,000Not disclosed by lender
  • Fixed APR: 7.99% - 35.99% APR
  • Min. credit score: Does not disclose
  • Loan amount: $7,500 to $50,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: If approved, funds sent within 24-72 hours†
  • Fees: Origination fee
  • Discounts: No
  • Eligibility: Available in all states except CO, CT, HI, KS, ND, NV, VT, WV, WI, and WY
  • Customer service: Phone
  • Soft credit check: Yes
  • Min. Income: None
  • Loan Uses: Debt consolidation, home improvement, wedding, travel, medical expenses, 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
9.95% - 35.99% APR $2,000 to $35,000**550
  • 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 $2,000 to $50,000600
  • 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 $35,000660
  • 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 $40,000640
  • 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 $40,000600
  • 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 $36,500600
  • 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
  • Eligibility: Available in all states except NV and WV
  • 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 $100,000700
  • 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 $20,000None
  • 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)
700
  • 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
6.99% - 35.99% APR $2,000 to $50,000640
  • Fixed APR: 6.99% - 35.99% APR
  • Min. credit score: 640
  • Loan amount: $2,000 to $50,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as one business day
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except IA, ND, WV
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: None
  • Loan Uses: Debt consolidation, home improvement, vehicles, small business, new baby expenses, 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% - 35.99% APR $3,500 to $40,000640
  • Fixed APR: 5.99% - 35.99% APR
  • Min. credit score: 640
  • Loan amount: $3,500 to $40,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: 90% funded within a day13
  • Fees: Origination Fee, $15 Late Fee, $25 NSF Fee
  • Discounts: None
  • Eligibility: Available in all states except CO, CT, ME, NV, NH, TN, VT, WV, WY, and all U.S. Territories
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Loan servicer: Reach Financial
  • Min. Income: $1,000 monthly
  • Loan Uses: Debt consolidation, credit card refinancing


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% - 23.43% APR10 $5,000 to $100,000Does not disclose
  • Fixed APR: 8.99% - 23.43% APR10
  • Min. credit score: Does not disclose
  • Loan amount: $5,000 to $100,000
  • Loan terms (years): 2, 3, 4, 5, 6, 7
  • Time to fund: 3 business days
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all states except MS
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Min. Income: Does not disclose
  • Loan Uses: Solely for personal, family, or household uses


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 $50,000600
  • 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 $50,0005580
  • 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
Compare rates from these lenders without affecting your credit score. 100% free!

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

Achieve

With Achieve, you can borrow up to $50,000 with terms from two to five years.

Keep in mind that you might qualify for a lower interest rate if you use 50% of your loan to pay off existing debt — which could make Achieve a good option if you want to consolidate high-interest debt.

Avant

Avant personal loans range from $2,000 to $35,000, with repayment terms from two to five years. If you’re approved, you might get your funds as soon as the next business day.

Best Egg

Best Egg offers personal loans from $2,000 to $50,000 with loan terms from two to five years. You can use a Best Egg loan for a wide variety of purposes, including debt consolidation and home improvement.

Discover

Discover could be a good choice if you’re looking for a longer repayment term — you’ll have up to seven years to repay a Discover loan.

Also keep in mind that Discover provides a 30-day guarantee: If you decide within 30 days that you don’t want your Discover loan, you can return the funds via check with no interest.

Happy Money

If you want to consolidate high-interest credit card debt, a Happy Money personal loan could help. You can borrow up to $40,000 and will have up to five years to repay the loan.

LendingClub

LendingClub offers personal loans up to $40,000 and is one of the few lenders that allow cosigners on personal loans. If you’re having a hard time qualifying for a loan, applying with a cosigner could improve your chances of getting approved.

LendingPoint

LendingPoint primarily offers personal loans to borrowers with fair credit scores, which might make a LendingPoint loan easier to qualify for if you have less-than-perfect credit. With LendingPoint, you can borrow $2,000 to $36,500.

LightStream

With LightStream, you can borrow up to $100,000. Most LightStream loans come with repayment terms ranging from two to seven years, but you might have up to 12 years if you take out a personal loan specifically for home improvements.

OneMain Financial

If you don’t need to borrow very much money, OneMain Financial might be a good option. You can borrow $1,500 up to $20,000 — just keep in mind that higher loan amounts might require collateral.

PenFed

PenFed could be another good choice if you’re looking for small loans — you can borrow as little as $600 all the way up to $50,000, with terms ranging from one to five years.

You can use a PenFed loan for debt consolidation, home improvement, and more.

Prosper

Prosper operates a peer-to-peer, online marketplace, with loans available from $2,000 up to $50,000.

Keep in mind that investors will have to commit to funding your loan, which could take up to 14 days. Your loan might also not get funded, in which case you’ll have to create a new listing.

Reach Financial

Reach Financial offers personal loans up to $40,000 for credit card refinancing and debt consolidation. Reach offers customizable payment options and hardship assistance that lets you pause your payments for up to 90 days.

SoFi

SoFi offers personal loan amounts ranging from $5,000 up to $100,000, making it a good choice for larger loan amounts. If you take out a loan with SoFi, you’ll also enjoy member perks like unemployment protection.

Upgrade

If you need money quickly, Upgrade could be a good option — if you’re approved, you could have your Upgrade loan funds within a day of clearing necessary verifications. You’ll also get access to free credit monitoring and educational resources.

Upstart

With Upstart, you can borrow $1,000 to $50,0005. Keep in mind that Upstart will also consider your education and job history in addition to your credit score, meaning you might qualify even if you have little to no credit history.

Learn More: Where to Get a Personal Loan

How to apply for a personal loan with a 600 credit score

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

  1. Review your credit. Lenders will check your credit to determine if they should lend to you. It’s a good idea to review your credit report ahead of time to make sure there aren’t any errors dragging down your credit score. You can check your credit report for free at AnnualCreditReport.com.
  2. Compare lenders and choose a loan option. Be sure to compare as many lenders as possible to find the right loan for you. Consider not only rates but also repayment terms and any fees the lender charges. After shopping around, choose the loan that best fits your needs.
  3. Submit the application. After deciding on a lender, you’ll need to complete a full application and submit any required documentation, such as tax returns or bank statements.
  4. Get your funds. If you’re approved, the lender will have you sign for the loan so they can release the funds to you (often through direct deposit). The time to fund for personal loans is typically a week or less — though some lenders offer same or next-day funding.

It’s also a good idea to consider how much a low interest personal loan will cost you over time. 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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Can you get a personal loan with a 600 credit score?

Yes, you can get a personal loan with a 600 credit score — there are even lenders that specialize in offering fair credit personal loans.

But keep in mind that if you have a credit score between 580 and 669, you’ll generally be considered a “subprime” borrower — meaning lenders might see you as a more risky investment. Because of this, you’ll likely pay a higher interest rate than borrowers with good to excellent credit.

In addition to your credit score, lenders may also consider your Credit Information Bureau (India) Limited, or CIBIL, rating. Your CIBIL rating is calculated by your payment history for different loan types and credit institutions over a period of time. CIBIL scores range from 300 to 900, and a score above 700 is considered good.

Tip: If you’re struggling to qualify for a personal loan, one option is to add a cosigner to your application. While most personal loan lenders don’t allow cosigners, some do. Having a cosigner with good credit can make you less of a risk to the lender, which could help you get approved.

Even if you don’t need a cosigner to qualify, having one might get you a lower interest rate than you’d get on your own.

Here are Credible’s partner lenders that offer cosigned personal loans:

  • Achieve
  • LendingClub
  • LightStream
  • OneMain Financial
  • SoFi

If you decide to take out a personal loan, remember to consider as many lenders as possible to find a loan that fits your needs. Credible makes this easy — you can compare your prequalified rates from multiple lenders in two minutes.

Ready to find your personal loan?

You can use Credible to compare rates from multiple lenders in 2 minutes. Just keep in mind, you won’t be able to get a personal loan with a cosigner through Credible.

  • Free to use, no hidden fees
  • One simple form, easy to fill out and your info is protected
  • More options, pick the loan option that best fits your personal needs
  • Here for you. Our team is here to help you reach your financial goals

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Learn More: How to Get a $5,000 Personal Loan

How to raise your credit score

If you can wait to take out a loan, spending some time improving your credit score first could help you qualify for lower interest rates and better loan terms. Having a lower interest rate could help you save money on your loan over time.

Here are several ways to potentially build credit:

  • Pay your bills on time. Your payment history accounts for 35% of your credit score. Paying all of your bills — such as utility and credit card bills — on time could help improve your credit over time, especially if you’ve missed payments in the past.
  • Pay down existing debt. Your credit utilization (the amount of credit you’ve used compared to your total available credit) makes up 30% of your credit score. If you can pay down the balances on your accounts, you might see a boost to your credit.
  • Dispute errors on your credit report. One in five people have errors on their credit reports, according to the Federal Trade Commission. If you’re one of these people, you could end up with less favorable loan terms — or even damaged credit. Take some time to review your credit report and dispute any issues with the major credit bureaus.
  • Reduce your debt-to-income ratio. Your debt-to-income (DTI) ratio measures the amount you pay in monthly debt compared to your income. This ratio informs lenders of your ability to manage monthly payments, and a good one is considered to be 40% or less.

To calculate your DTI, add up your monthly debt payments and divide the total payment cost by your gross monthly income. Your DTI doesn’t directly affect your credit, but many lenders take it into consideration when deciding if they should approve your loan.

What credit score should I aim for? Generally, borrowers with good to excellent credit get better loan terms.

If you want to improve your fair credit score, aiming for a score anywhere from 670 to 739 is a good place to start — this will put you in the good credit range and will likely qualify you for better rates and terms.

Keep Reading: No Credit Check Personal Loans


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
Kat Tretina
Kat Tretina

Kat Tretina is a freelance writer who covers everything from student loans to personal loans to mortgages. Her work has appeared in publications like the Huffington Post, Money Magazine, MarketWatch, Business Insider, and more.

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Home » All » Personal Loans » How to Get a Personal Loan With a 600 Credit Score

Personal Loan Basics


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

Personal Loan Amounts

  • Get a $5,000 Loan
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  • Get a $100,000 Loan

Tools and Resources

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