Having a low credit score doesn't mean you're out of options. Our financial experts have reviewed lenders in our network who specialize in working with borrowers who have less-than-perfect credit.
See what you qualify for — no obligation, no credit impact.
A credit score below 580 is generally considered "bad credit" by most lenders, but that doesn't mean you can't get a personal loan. Many lenders in our network specialize in working with borrowers who have experienced financial setbacks — whether from medical bills, job loss, divorce, or simply limited credit history.
The key is knowing where to look. Traditional banks often have strict credit requirements, but online lenders and marketplace platforms use alternative data points — like income, employment history, and education — to evaluate your application. Below are our top picks for borrowers with credit scores below 670.
Independently reviewed and ranked by our financial advisory team. These lenders are part of our network and specialize in working with borrowers who have lower credit scores.
Getting a loan through Clear Harbor Financial is simple, fast, and won't affect your credit score.
Tell us how much you need and a little about your situation. We'll match you with lenders in our network who work with your credit profile — no impact to your score.
Review multiple offers side-by-side. Compare rates, terms, fees, and monthly payments to find the best fit for your budget.
Choose your best offer and complete the application. Many of our lending partners can fund your loan within 1–3 business days.
| Lender | APR Range | Loan Amount | Min. Credit | Term |
|---|---|---|---|---|
| Upstart | 6.70–35.99% | $1K–$50K | 300 | 3–5 years |
| Upgrade | 9.99–35.99% | $1K–$50K | 580 | 2–7 years |
| Universal Credit | 11.69–35.99% | $1K–$50K | 560 | 3–5 years |
| Avant | 9.95–35.99% | $2K–$35K | 580 | 2–5 years |
| OppLoans (OppFi) | 59–160% | $500–$4K | 350 | 9–18 months |
| NetCredit | 34–155% | $1K–$10K | 520 | 6–60 months |
| CreditNinja | 19.99–199% | $500–$4K | 500 | 6–24 months |
| Prosper | 8.99–35.99% | $2K–$50K | 600 | 3–5 years |
Credit scores typically range from 300 to 850. A score below 580 is generally considered "poor" or "bad" credit by FICO standards. However, credit is a spectrum — and many lenders in our network work with borrowers across the full range. Here's how scores are typically categorized:
Yes. While traditional banks may decline applications from borrowers with low credit scores, many online lenders and marketplace platforms specialize in serving this market. These lenders often use alternative data — such as income, employment stability, education, and banking history — to make lending decisions beyond just your credit score.
Even with bad credit, there are steps you can take to strengthen your application:
Bad-credit loans often come with higher costs. Be aware of these potential pitfalls:
Bad credit doesn't have to hold you back. Let Clear Harbor Financial connect you with lenders who specialize in working with borrowers like you. Check your rate in minutes — no impact on your credit score.
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