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Best Personal Loans for Bad Credit November 2024
Don't let your credit score hold you back!
Even if you don't meet the requirements for other types of loans, you may still qualify for a low-credit loan. Compare personal loan offers from top-rated lending partners and find rates and conditions that work for you.
Best Personal Loans for Bad Credit November 2024
Even if you don't meet the requirements for other types of loans, you may still qualify for a low-credit loan. Compare personal loan offers from top-rated lending partners and find rates and conditions that work for you.
Top Personal Loans in Virginia in 2024
Updated November 2024
Check out our top picks for you or Restart your search
1
Editor's Choice
9.5
Exceptional
Scores are calculated based on:
Brand Performance
Based on data insights
9.9
Customer Engagement
Based on click-share
9.9
Products & Offerings
8.2
9.5
Exceptional
Scores are calculated based on:
Brand Performance
Based on data insights
9.9
Customer Engagement
Based on click-share
9.9
Products & Offerings
8.2
  • Borrow up to $100,000
  • Min. Credit Score: 540
  • APR: 5.49% - 35.99%
  • Term: 12 - 84 months
Read Review
Variety of loan options
Read Review
Visit Site
Visit Bankrate
2
8.8
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.8
Customer Engagement
Based on click-share
8.5
Products & Offerings
8.6
8.8
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.8
Customer Engagement
Based on click-share
8.5
Products & Offerings
8.6
  • Borrow up to $50K
  • Min. credit score: 550
  • APR: 6.99% - 35.99%
  • Term: 3 - 180 months
Read Review
Aided 100M+ people in funding
Read Review
Visit Site
Visit LendingTree
3
8.9
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.2
Customer Engagement
Based on click-share
8.8
Products & Offerings
8.6
8.9
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.2
Customer Engagement
Based on click-share
8.8
Products & Offerings
8.6
  • Borrow up to $100K
  • Min. credit score: 640
  • APR: 6.99% - 25.29%
  • Term: 24 - 84 months
Read Review
Diverse loans for any financial need
Read Review
Visit Site
Visit LightStream
*Offered by Credible
4
8.3
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.3
Customer Engagement
Based on click-share
9.0
Products & Offerings
5.6
8.3
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.3
Customer Engagement
Based on click-share
9.0
Products & Offerings
5.6
  • Borrow up to $40K
  • Min. credit score: none
  • APR: 5.99% - 35.99
  • Term: 2 - 180 months
Read Review
Fast & easy loan options
Read Review
Visit Site
Visit Lending For Bad Credit
5
9.0
Outstanding
Scores are calculated based on:
Brand Performance
Based on data insights
9.4
Customer Engagement
Based on click-share
8.3
Products & Offerings
10
9.0
Outstanding
Scores are calculated based on:
Brand Performance
Based on data insights
9.4
Customer Engagement
Based on click-share
8.3
Products & Offerings
10
  • Borrow up to $200K
  • Min. credit score: 600
  • APR: 6.94% - 35.99%
  • Term: 12 - 120 months
Read Review
Personalized pre-qualified offers
Read Review
Visit Site
Visit Credible
6
7.9
Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.6
Customer Engagement
Based on click-share
7.8
Products & Offerings
7.6
7.9
Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.6
Customer Engagement
Based on click-share
7.8
Products & Offerings
7.6
  • Borrow up to $10K
  • Min. Credit Score: 500
  • APR: 5.99% - 35.99%
  • Term: 3 - 36 months
Read Review
Low-credit loan offers
Read Review
Visit Site
Visit Bad Credit Loans
7
8.1
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.1
Customer Engagement
Based on click-share
8.3
Products & Offerings
6.8
8.1
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.1
Customer Engagement
Based on click-share
8.3
Products & Offerings
6.8
  • Borrow up to $35K
  • Min. credit score: 500
  • APR: 5.99% - 35.99%
  • Term: 2 - 72 months
Read Review
Network of 100+ lending partners
Read Review
Visit Site
Visit 5KFunds
8
8.6
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.1
Customer Engagement
Based on click-share
8.0
Products & Offerings
9.0
8.6
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.1
Customer Engagement
Based on click-share
8.0
Products & Offerings
9.0
  • Borrow up to $35K
  • Min. Credit Score: 500
  • APR: 5.99%-35.99%
  • Term: 2-72 months
Read Review
Large network of lenders
Read Review
Visit Site
Visit My Lending Wallet
9
7.8
Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.2
Customer Engagement
Based on click-share
7.8
Products & Offerings
6.2
7.8
Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.2
Customer Engagement
Based on click-share
7.8
Products & Offerings
6.2
  • Borrow up to $50K
  • Min. credit score: 599
  • APR: 6.40% - 35.99%
  • Term: 24 - 84 months
Read Review
Suitable for different credit ratings
Read Review
Visit Site
Visit AmOne
10
7.9
Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.5
Customer Engagement
Based on click-share
7.5
Products & Offerings
7.2
7.9
Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.5
Customer Engagement
Based on click-share
7.5
Products & Offerings
7.2
  • Borrow up to $50K
  • Min. credit score: 640
  • APR: 8.99% - 35.99%
  • Term: 24 - 60 months
Read Review
Funding in as little as 24 hours
Read Review
Visit Site
Visit BestEgg
SHOW MORE
Compare Between Top Lenders
Use this side-by-side comparison table to help you find the right lender. Choose up to four lenders to compare.
Features
Score
9.5
8.8
8.9
8.3
9.0
APR
5.49% to 35.99%
6.99% to 35.99%
6.99% to 25.29%
5.99% to 35.99%
6.94% to 35.99%
Borrow Up To
$100K
$50K
$100K
$40K
$200K
Min. Credit Score
540
550
640
none
600
Term
12-84 months
12-144 months
24-84 months
2-180 months
12-120 months
FAQs About Personal Loans for Bad Credit
Before taking a personal loan be sure you familiarize yourself with all the terms and conditions associated with the loan. To help you get started, we've compiled below some of the most frequently asked questions about personal loans for bad credit.
What is a personal loan?
Personal loans are loans taken from a lender and paid back by the borrower in fixed monthly installments. These loans can be taken for a wider variety of reasons ranging from home improvement to financing large purchases. Unlike mortgage loans or some types of business loans, personal loans are almost always unsecured, meaning they aren't backed by any collateral
What is considered a low credit score?
Bad credit stems from an accumulation of past failures to make payments and meet deadlines on your credit agreements. Credit scores are calculated according to FICO scores which range between 300-850. A bad credit score is typically anything below 629, however, this may differ depending on the lender and how they categorize it.
Can you get a personal loan with bad credit?
When applying for a personal loan with bad credit, you have several options which include going to a local bank or credit union or getting a co-signer. However, the most practical option would be to seek an online lender that specifically works with individuals who are struggling with bad credit.
Can I take a personal loan online?
Absolutely! By using an online personal loan service you save yourself the trouble of arranging meetings with banks and/or credit unions and you can easily compare offers while sitting at home. Furthermore, many online personal loan lenders offer better rates than banks and provide more flexible terms ranging from 61 days up to 180 months. These online personal loan services often function as a middleman between the borrower and the lender. The loan service will connect you with a lender who will make a loan offer specifying the APR and loan terms.
How long do I have to repay the loan?
Much like APR, the term or length of your loan will depend on a variety of factors. Repayment periods can range from 61 days to 180 months. One of the great things about online personal loan services is they allow you to compare loan terms meaning you can choose a repayment period that best suits your financial goals.
Representative Example
Assuming a loan of $5,000 over 36 months at a fixed rate of 10.5% per annum and fees of $60.00.
This would result in a representative rate of 11.3% APR, with monthly repayments of $162.51, for a total amount paid of $5,910.44.
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