Fastest ways to pay for repairs based on credit
Emergency loan for a $4,000 transmission repair with fair credit
Find a same- or next-day personal loan you can get with fair credit. If you need to pay with a credit card, using a personal loan to pay it off can possibly get you a lower rate and monthly payment.
Same-day loan to fix my car so I can get to work this week
Check your bank first if you need less than $1,000 — Bank of America and U.S. Bank offer small loans up to $500 or $1,000 without a credit check. A cash app could get you a small same-day loan, but the money will come out of your next paycheck. If you need more money or longer to repay, a same-day personal loan could be an option, though same-day funding isn't guaranteed.
Best auto repair loan for a $2,500 bill and a 580 credit score
A secured loan might be your only option if you need $2,500 with bad or borderline bad credit. Offering your car — like the one in the shop — or the fixtures in your home as collateral can make it easier to qualify.
Interest rates on fair credit loans for top loan purposes
Compare home insurance options today
Compare quotesLorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since 1966, when designers at Letraset and James Mosley, the librarian at St Bride Printing Library in London, took a 1914 Cicero translation and scrambled it to make dummy text for Letraset's Body Type sheets. It has survived not only many decades, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised thanks to these sheets and more recently with desktop publishing software like Aldus PageMaker and Microsoft Word including versions of Lorem Ipsum.
The standard Lorem Ipsum passage, used since the 1500s
"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum."
Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC
"Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?"
1914 translation by H. Rackham
"But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?"
Section 1.10.33 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC
"At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores et quas molestias excepturi sint occaecati cupiditate non provident, similique sunt in culpa qui officia deserunt mollitia animi, id est laborum et dolorum fuga. Et harum quidem rerum facilis est et expedita distinctio. Nam libero tempore, cum soluta nobis est eligendi optio cumque nihil impedit quo minus id quod maxime placeat facere possimus, omnis voluptas assumenda est, omnis dolor repellendus. Temporibus autem quibusdam et aut officiis debitis aut rerum necessitatibus saepe eveniet ut et voluptates repudiandae sint et molestiae non recusandae. Itaque earum rerum hic tenetur a sapiente delectus, ut aut reiciendis voluptatibus maiores alias consequatur aut perferendis doloribus asperiores repellat."
LightStream: Best for good to excellent credit
4.9
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
on LightStream's website
Our take
LightStream is a true no-fee lender that stands out for low rates, high available loan amounts, an extensive range of allowed loan uses, funding as soon as the same day, and long repayment terms. Notably, rates on LightStream loans closed via Credible were the second-lowest among all Credible partner lenders for borrowers with good, very good, and excellent credit, according to 12 months of Credible personal loans marketplace data. LightStream does not let you prequalify on its site — but you can prequalify through Credible.
Note: In September 2026, LightStream increased its minimum APR by 2 percentage points — the average APRs noted above were based on a lower minimum APR.
4% - 12%
Home equity loan:
6% - 11%
Cash-out refi:
6% - 7%
Home equity loan: 6% - 11%
Cash-out refi: 6% - 7%
Test Content With Tooltip
Examples from Bad Credit Loans
Example 1:
Current: Bad-credit borrowers took out more than $2.78 million in personal loans through Credible over the past 12 months. Most loans were used to consolidate debt, refinance credit cards, or pay bills or rent.
Potential Use Case: Bad-credit borrowers took out more than $2.78 million in personal loans through Credible [1]
Data is from the last 10 months.
Example 2: