{"id":327,"date":"2025-06-18T18:52:40","date_gmt":"2025-06-18T18:52:40","guid":{"rendered":"http:\/\/www.awele.net\/?p=327"},"modified":"2025-06-23T09:36:29","modified_gmt":"2025-06-23T09:36:29","slug":"best-emergency-loans-for-bad-credit-of-2025","status":"publish","type":"post","link":"http:\/\/www.awele.net\/index.php\/2025\/06\/18\/best-emergency-loans-for-bad-credit-of-2025\/","title":{"rendered":"Best Emergency Loans For Bad Credit Of 2025"},"content":{"rendered":"<div>\n<div class=\"eat-widget-container exclude-eds shadow-effect\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;&quot;,&quot;componentType&quot;:&quot;EAT Widget&quot;}\">\n<div class=\"eat-header-wrap \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Why you can trust Forbes Advisor&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;&quot;}\">\n<div class=\"eat-header\">\n<p class=\"eat-heading\">\n                        Why you can trust Forbes Advisor\n                    <\/p>\n<\/div>\n<\/div>\n<div>\n<div class=\"eat-wrapper right-section-enabled left-section-enabled\">\n<div class=\"left-section\">\n<p>Our editorial team has over 20 years of cumulative experience and relies on research and data-driven methodologies to provide unbiased ratings for emergency loans for bad credit. <strong>Advertisers do not and cannot influence our ratings.<\/strong> You can read more about our <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;editorial guidelines&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>editorial guidelines<\/a><\/span> and the <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;loans methodology&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>loans methodology<\/a><\/span> below.<\/p>\n<\/div>\n<div class=\"right-section\">\n<ul>\n<li>31 nationwide lenders researched<\/li>\n<li>16 data points evaluated and scored<\/li>\n<li>Lenders re-evaluated every month<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Credible Widget&quot;,&quot;componentType&quot;:&quot;Credible-External Widget-Personal Loan Rich Cta&quot;}\">\n<div class=\"credible-js-widget\">\n<div id=\"personal-loans-rich-cta-68591957781b7\" data-ecom-external-widget=\"{&quot;tid&quot;:&quot;tid_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;,&quot;referenceText&quot;:&quot;Credible Widget&quot;}\"><\/div>\n<\/div>\n<\/div>\n<h2 id=\"best_emergency_loans_for_bad_credit_of_2025\" class=\"section-title article-section\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best Emergency Loans for Bad Credit of 2025&quot;,&quot;componentType&quot;:&quot;Section Titles&quot;}\">Best Emergency Loans for Bad Credit of 2025<\/h2>\n<div data-ecom-container=\"{&quot;componentTitle&quot;:&quot;&quot;,&quot;componentType&quot;:&quot;Loan Products Block&quot;}\">\n<div data-ecom-list=\"{&quot;listName&quot;:&quot;Loan Products&quot;,&quot;productsOnPage&quot;:&quot;6&quot;,&quot;appliedFilters&quot;:&quot;&quot;,&quot;pageNumber&quot;:1}\">\n<div data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Upgrade&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<section class=\"generic-widget-wrapper\" id=\"genericProductWidget2021\" data-generic-widget=\"root\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Upgrade&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<div class=\"exclude-eds cc-wrapper toc-product-element toc-element\" data-ecom-product=\"{&quot;itemId&quot;:&quot;695192&quot;,&quot;itemName&quot;:&quot;Upgrade&quot;,&quot;itemBrand&quot;:&quot;Credible&quot;,&quot;itemCategory&quot;:&quot;Personal Loans&quot;,&quot;itemCategory2&quot;:&quot;&quot;,&quot;itemCategory3&quot;:&quot;&quot;,&quot;itemCategory4&quot;:&quot;&quot;,&quot;price&quot;:0,&quot;quantity&quot;:1,&quot;affiliation&quot;:&quot;Credible&quot;,&quot;coupon&quot;:&quot;&quot;,&quot;secondaryCallout&quot;:&quot;&quot;,&quot;initialCost&quot;:0,&quot;subscriptionCost&quot;:0,&quot;starRating&quot;:5}\" id=\"upgrade\">\n<div class=\"featured-widget-label\">\n                                <\/div>\n<div class=\"cc-wrapper-inner shadow-effect \">\n<div class=\"card-top-wrap\">\n<div class=\"left\">\n<h2 class=\"card-best-for\">Best Bad Credit Emergency Loan for Flexible Requirements<\/h2>\n<h3 class=\"card-title\">Upgrade<\/h3>\n<div class=\"bottom-wrap\">\n<div class=\"card-image-wrapper\">\n                                                                                                            <a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" data-component-title=\"Generic Product Widget\" data-product-name=\"Upgrade\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"5\" data-product-offer=\"No\" data-wp-postid=\"695192\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                            <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Upgrade\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/http:\/\/awele.net\/wp-content\/uploads\/2025\/06\/Upgrade-rem-bg.png\">                                        <\/a>\n                                                                                                <\/div>\n<div class=\"card-rating has-tooltip\">\n<div class=\"left-wrap\">\n<div class=\"rating-value\">5.0<\/div>\n<\/div>\n<div class=\"right-wrap\">\n<div class=\"cc-rating-wrapper\">\n\t\t\t<span class=\"cc-rating\" style=\"width: 100%\"><\/span>\n\t\t<\/div>\n<div class=\"rating-logo\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"85\" height=\"12\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/fb-rating-logo.svg\"><br \/>\n\t\t\t\t\t\t\t\t\t\t<span class=\"icon-tooltip icon-info\"><\/span>\t\t<\/div>\n<\/div>\n<div class=\"card-rating-tooltip\">Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.<\/div>\n<\/div>\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Minimum Credit Score\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">620<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    APR range                                            <span class=\"icon-tooltip icon-info tooltip tooltipstered tooltip-tippy\" data-tooltip-content=\"#attr_tooltip1695192\"><\/span><\/p>\n<div class=\"tooltip_templates d-none\">\n<div id=\"attr_tooltip1695192\">\n                                Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade&#8217;s bank partners. Information on Upgrade&#8217;s bank partners can be found at https:\/\/www.upgrade.com\/bank-partners\/.                            <\/div>\n<\/div>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">7.99% to 35.99%<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Loan amounts\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$1,000 to $50,000<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"right\">\n<div class=\"card-image-wrapper\">\n                                                                                                <a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" data-component-title=\"Generic Product Widget\" data-product-name=\"Upgrade\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"5\" data-product-offer=\"No\" data-wp-postid=\"695192\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Upgrade\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/http:\/\/awele.net\/wp-content\/uploads\/2025\/06\/Upgrade-rem-bg.png\">                                    <\/a>\n                                                                                    <\/div>\n<div class=\"btn-wrap primary-cta-btn-wrap\">\n                                                            <!-- URL param restriction --><br \/>\n                                                                        <a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" class=\"apply-now c-button add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"Compare Rates\" data-link-placement=\"Button Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" data-component-title=\"Generic Product Widget\" data-product-name=\"Upgrade\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"5\" data-product-offer=\"No\" data-wp-postid=\"695192\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                        <span><br \/>\n                                            Compare Rates                                        <\/span><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"32\" height=\"32\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Arrow\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/right-arrow.svg\"><br \/>\n                                    <\/a><\/p>\n<div class=\"secure-site-txt\">\n                                Via Credible.com&#8217;s Website                            <\/div>\n<\/div>\n<\/div>\n<div class=\"mobile-fact-wrapper\">\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Minimum Credit Score\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">620<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"APR range\">\n                                                                <span class=\"icon-tooltip icon-info tooltip tooltipstered tooltip-tippy\" data-tooltip-content=\"#attr_tooltip1695192\"><\/span><\/p>\n<div class=\"tooltip_templates d-none\">\n<div id=\"attr_tooltip1695192\">\n                                Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade&#8217;s bank partners. Information on Upgrade&#8217;s bank partners can be found at https:\/\/www.upgrade.com\/bank-partners\/.                            <\/div>\n<\/div>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">7.99% to 35.99%<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Loan amounts\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$1,000 to $50,000<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"card-bottom-wrap\">\n<div class=\"tab-content-wrapper\">\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Editor&#039;s Take&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Upgrade&quot;}\">Editor&#8217;s Take<\/div>\n<div class=\"c-tab--content list-points\">\n<p>Upgrade offers loans with quick funding turnarounds and a low minimum credit score requirement.<\/p>\n<p><strong>Why We Like It<\/strong><\/p>\n<p>In addition to setting a minimum credit score requirement of 620, Upgrade has two- to seven-year repayment terms and there is no prepayment penalty.<\/p>\n<p><strong>What We Don\u2019t Like<\/strong><\/p>\n<p>Upgrade charges an origination fee between 1.85% and 9.99% of the loan amount, and there are no interest rate discounts for autopay.<\/p>\n<p><strong>Who It\u2019s Best For<\/strong><\/p>\n<p><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Upgrade personal loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Upgrade personal loans<\/a><\/span> are best for borrowers who want quick access to funding with flexible requirements.<\/p>\n<\/div>\n<div class=\"accordion-tab \">\n                          Consumer Sentiment Index                      <\/div>\n<div class=\"c-tab--content-wrapper\">\n<div class=\"consumer-sentiment-index-wrap remove-empty-p-tags\">\n<div class=\"cs-inner-wrap\">\n<div class=\"cs-top-wrap\">\n<div class=\"cs-meter-wrap neutral-sentiments\">\n<div class=\"csm-inner\">\n<div class=\"outer-svg-wrapper\">\n<div class=\"svg-wrapper\">\n<div class=\"dot-wrapper\" style=\"--rotateDegree: 95deg\"><\/div>\n<div><\/div>\n<div class=\"consumer-rating-number\">\n                                    5.4\n                                <\/div>\n<\/div>\n<\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-index-tippy-content-8\">\n<div class=\"consumer-score-info\">\n                                                                                            <strong class=\"consumer-score-number neutral-sentiments\">5.4\/10<\/strong><\/p>\n<p>                                                                                            Consumer Score\n                                                                                    <\/p>\n<\/div>\n<div class=\"consumer-score-description\">\n                                            The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.\n                                        <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cs-index-text\">Consumer Sentiment Index<\/div>\n<\/div>\n<div class=\"insight-analyzed-wrap\">\n<div class=\"ia-top-wrap\">\n<div class=\"ia-svg-wrap\"><\/div>\n<div class=\"ia-wrapper\">\n<div class=\"ia-count\">\n                                5,884\n                            <\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-ia-tippy-content-8\">\n<div class=\"cs-ia-tippy-content-heading\">\n                                            How do we calculate\n                                        <\/div>\n<p class=\"cs-ia-tippy-content-subheading\">\n                                            We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5\n                                        <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ia-text\">\n                        Insights Analyzed\n                    <\/div>\n<\/div>\n<\/div>\n<div class=\"cs-middle-wrap\">\n<ul class=\"features-rows-wrap\">\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Interest Rates and Fees<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-80\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Interest Rates and Fees\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">54% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">10% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">36% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-80\" style=\"--postive_bar: 54%;--neutral_bar: 10%;--negative_bar: 36%\">\n<div class=\"fr-bar positive-bar\">\n                                54%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                10%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                36%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-80\">\n<div class=\"tippy-rank-subheading\">\n                                For Interest Rates and Fees\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">54% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">10% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">36% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Customer Service<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-81\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Customer Service\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">67% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">3% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">30% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-81\" style=\"--postive_bar: 67%;--neutral_bar: 3%;--negative_bar: 30%\">\n<div class=\"fr-bar positive-bar\">\n                                67%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                3%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                30%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-81\">\n<div class=\"tippy-rank-subheading\">\n                                For Customer Service\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">67% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">3% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">30% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Loan Terms and Flexibility<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-82\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Loan Terms and Flexibility\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">74% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">10% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">16% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-82\" style=\"--postive_bar: 74%;--neutral_bar: 10%;--negative_bar: 16%\">\n<div class=\"fr-bar positive-bar\">\n                                74%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                10%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                16%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-82\">\n<div class=\"tippy-rank-subheading\">\n                                For Loan Terms and Flexibility\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">74% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">10% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">16% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Ease of Approval and Process<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-83\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Ease of Approval and Process\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">94% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">4% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-83\" style=\"--postive_bar: 94%;--neutral_bar: 2%;--negative_bar: 4%\">\n<div class=\"fr-bar positive-bar\">\n                                94%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                2%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                4%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-83\">\n<div class=\"tippy-rank-subheading\">\n                                For Ease of Approval and Process\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">94% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">4% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"cs-bottom-wrap\">\n<div class=\"cs-bottom-summary\">\n<p>Upgrade customers report mixed experiences with its personal loan offerings. Some wins that jump out include the streamlined application process, easy approval and quick funding. But their experiences were not perfect. Some users are dissatisfied with the high APRs and loan fees that make working with Upstart costly.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Pros &amp; Cons&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Upgrade&quot;}\">Pros &amp; Cons<\/div>\n<div class=\"c-tab--content list-points\">\n<div class=\"pros-cons-wrapper\">\n<div class=\"list-points pros\">\n<ul>\n<li>Fair credit accepted<\/li>\n<li>Rate discounts for using autopay and for using loans to pay off existing debt<\/li>\n<li>Free credit health monitoring<\/li>\n<\/ul>\n<\/div>\n<div class=\"list-points cons\">\n<ul>\n<li>Origination fees<\/li>\n<li>Potentially high interest rates<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Details&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Upgrade&quot;}\">Details<\/div>\n<div class=\"c-tab--content list-points\">\n<p><strong>Eligibility<\/strong><\/p>\n<ul>\n<li><strong>Minimum credit score:<\/strong> 620620<\/li>\n<li><strong>Co-applicants:<\/strong> Permitted<\/li>\n<li><strong>Direct pays third-party creditors:<\/strong> Yes<\/li>\n<\/ul>\n<p><strong>Customer service<\/strong><\/p>\n<p>We called Upgrade to gauge the responsiveness of its customer service team and found it to be one of the most responsive lenders on our list. While we waited just over one minute for their team to answer our call\u2014which is not the fastest time\u2014they were transparent and knowledgeable about Upgrade\u2019s loans.<\/p>\n<p>We received information on loan amounts, required documentation, interest rate ranges, approval speed, fees and various perks, like hardship programs and autopay discounts. The representative also confirmed that they report payments to credit bureaus.<\/p>\n<\/div>\n<div class=\"accordion-tab \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Disclosuren&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Upgrade&quot;}\">\n<p>Disclosure<\/p>\n<\/div>\n<div class=\"c-tab--content list-points\">\n<p>Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed-rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade&#8217;s bank partners. Information on Upgrade&#8217;s bank partners can be found at <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;https:\/\/www.upgrade.com\/bank-partners\/&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.upgrade.com\/bank-partners\/\" target=\"_blank\">https:\/\/www.upgrade.com\/bank-partners\/<\/a><\/span>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<div data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Upstart&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<section class=\"generic-widget-wrapper\" id=\"genericProductWidget2021\" data-generic-widget=\"root\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Upstart&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<div class=\"exclude-eds cc-wrapper toc-product-element toc-element\" data-ecom-product=\"{&quot;itemId&quot;:&quot;695284&quot;,&quot;itemName&quot;:&quot;Upstart&quot;,&quot;itemBrand&quot;:&quot;Credible&quot;,&quot;itemCategory&quot;:&quot;Personal Loans&quot;,&quot;itemCategory2&quot;:&quot;&quot;,&quot;itemCategory3&quot;:&quot;&quot;,&quot;itemCategory4&quot;:&quot;&quot;,&quot;price&quot;:0,&quot;quantity&quot;:1,&quot;affiliation&quot;:&quot;Credible&quot;,&quot;coupon&quot;:&quot;&quot;,&quot;secondaryCallout&quot;:&quot;&quot;,&quot;initialCost&quot;:0,&quot;subscriptionCost&quot;:0,&quot;starRating&quot;:4.6}\" id=\"upstart\">\n<div class=\"featured-widget-label\">\n                                <\/div>\n<div class=\"cc-wrapper-inner shadow-effect \">\n<div class=\"card-top-wrap\">\n<div class=\"left\">\n<h2 class=\"card-best-for\">Best Bad Credit Emergency Loan for Limited Credit History<\/h2>\n<h3 class=\"card-title\">Upstart<\/h3>\n<div class=\"bottom-wrap\">\n<div class=\"card-image-wrapper\">\n                                                                                                            <a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" data-component-title=\"Generic Product Widget\" data-product-name=\"Upstart\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.6\" data-product-offer=\"No\" data-wp-postid=\"695284\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                            <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Upstart\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/http:\/\/awele.net\/wp-content\/uploads\/2025\/06\/Upstart-Holdings-Inc.-UPST.png\">                                        <\/a>\n                                                                                                <\/div>\n<div class=\"card-rating has-tooltip\">\n<div class=\"left-wrap\">\n<div class=\"rating-value\">4.6<\/div>\n<\/div>\n<div class=\"right-wrap\">\n<div class=\"cc-rating-wrapper\">\n\t\t\t<span class=\"cc-rating\" style=\"width: 90%\"><\/span>\n\t\t<\/div>\n<div class=\"rating-logo\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"85\" height=\"12\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/fb-rating-logo.svg\"><br \/>\n\t\t\t\t\t\t\t\t\t\t<span class=\"icon-tooltip icon-info\"><\/span>\t\t<\/div>\n<\/div>\n<div class=\"card-rating-tooltip\">Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.<\/div>\n<\/div>\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Minimum Credit Score\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">620<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    APR range\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">6.70% to 35.99%<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Loan amounts\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$1,000 to $50,000<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"right\">\n<div class=\"card-image-wrapper\">\n                                                                                                <a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" data-component-title=\"Generic Product Widget\" data-product-name=\"Upstart\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.6\" data-product-offer=\"No\" data-wp-postid=\"695284\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Upstart\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/http:\/\/awele.net\/wp-content\/uploads\/2025\/06\/Upstart-Holdings-Inc.-UPST.png\">                                    <\/a>\n                                                                                    <\/div>\n<div class=\"btn-wrap primary-cta-btn-wrap\">\n                                                            <!-- URL param restriction --><br \/>\n                                                                        <a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" class=\"apply-now c-button add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"Compare Rates\" data-link-placement=\"Button Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" data-component-title=\"Generic Product Widget\" data-product-name=\"Upstart\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.6\" data-product-offer=\"No\" data-wp-postid=\"695284\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                        <span><br \/>\n                                            Compare Rates                                        <\/span><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"32\" height=\"32\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Arrow\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/right-arrow.svg\"><br \/>\n                                    <\/a><\/p>\n<div class=\"secure-site-txt\">\n                                Via Credible.com&#8217;s Website                            <\/div>\n<\/div>\n<\/div>\n<div class=\"mobile-fact-wrapper\">\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Minimum Credit Score\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">620<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"APR range\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">6.70% to 35.99%<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Loan amounts\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$1,000 to $50,000<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"card-bottom-wrap\">\n<div class=\"tab-content-wrapper\">\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Editor&#039;s Take&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Upstart&quot;}\">Editor&#8217;s Take<\/div>\n<div class=\"c-tab--content list-points\">\n<p>Upstart evaluates applicants using non-traditional qualification requirements, making it an accessible option for those with a limited credit history.<\/p>\n<p><strong>Why We Like It<\/strong><\/p>\n<p>Upstart sets a minimum credit score requirement of 620 and accepts borrowers who don\u2019t have enough credit to generate a credit score.<\/p>\n<p><strong>What We Don\u2019t Like<\/strong><\/p>\n<p>Upstart offers more limited repayment terms than other lenders\u2014three to five years\u2014and origination fees may be as much as up to 12% of the loan amount.<\/p>\n<p><strong>Who It\u2019s Best For<\/strong><\/p>\n<p><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Upstart personal loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Upstart personal loans<\/a><\/span> are best for applicants with thin credit who might struggle to get approved elsewhere.<\/p>\n<\/div>\n<div class=\"accordion-tab \">\n                          Consumer Sentiment Index                      <\/div>\n<div class=\"c-tab--content-wrapper\">\n<div class=\"consumer-sentiment-index-wrap remove-empty-p-tags\">\n<div class=\"cs-inner-wrap\">\n<div class=\"cs-top-wrap\">\n<div class=\"cs-meter-wrap neutral-sentiments\">\n<div class=\"csm-inner\">\n<div class=\"outer-svg-wrapper\">\n<div class=\"svg-wrapper\">\n<div class=\"dot-wrapper\" style=\"--rotateDegree: 69deg\"><\/div>\n<div><\/div>\n<div class=\"consumer-rating-number\">\n                                    3.4\n                                <\/div>\n<\/div>\n<\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-index-tippy-content-9\">\n<div class=\"consumer-score-info\">\n                                                                                            <strong class=\"consumer-score-number neutral-sentiments\">3.4\/10<\/strong><\/p>\n<p>                                                                                            Consumer Score\n                                                                                    <\/p>\n<\/div>\n<div class=\"consumer-score-description\">\n                                            The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.\n                                        <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cs-index-text\">Consumer Sentiment Index<\/div>\n<\/div>\n<div class=\"insight-analyzed-wrap\">\n<div class=\"ia-top-wrap\">\n<div class=\"ia-svg-wrap\"><\/div>\n<div class=\"ia-wrapper\">\n<div class=\"ia-count\">\n                                2,077\n                            <\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-ia-tippy-content-9\">\n<div class=\"cs-ia-tippy-content-heading\">\n                                            How do we calculate\n                                        <\/div>\n<p class=\"cs-ia-tippy-content-subheading\">\n                                            We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5\n                                        <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ia-text\">\n                        Insights Analyzed\n                    <\/div>\n<\/div>\n<\/div>\n<div class=\"cs-middle-wrap\">\n<ul class=\"features-rows-wrap\">\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Interest Rates and Fees<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-90\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Interest Rates and Fees\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">28% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">14% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">58% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-90\" style=\"--postive_bar: 28%;--neutral_bar: 14%;--negative_bar: 58%\">\n<div class=\"fr-bar positive-bar\">\n                                28%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                14%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                58%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-90\">\n<div class=\"tippy-rank-subheading\">\n                                For Interest Rates and Fees\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">28% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">14% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">58% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Customer Service<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-91\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Customer Service\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">10% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">3% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">87% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-91\" style=\"--postive_bar: 10%;--neutral_bar: 3%;--negative_bar: 87%\">\n<div class=\"fr-bar positive-bar\">\n                                10%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                3%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                87%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-91\">\n<div class=\"tippy-rank-subheading\">\n                                For Customer Service\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">10% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">3% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">87% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Loan Terms and Flexibility<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-92\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Loan Terms and Flexibility\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">56% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">16% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">28% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-92\" style=\"--postive_bar: 56%;--neutral_bar: 16%;--negative_bar: 28%\">\n<div class=\"fr-bar positive-bar\">\n                                56%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                16%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                28%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-92\">\n<div class=\"tippy-rank-subheading\">\n                                For Loan Terms and Flexibility\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">56% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">16% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">28% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Ease of Approval and Process<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-93\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Ease of Approval and Process\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">66% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">8% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">26% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-93\" style=\"--postive_bar: 66%;--neutral_bar: 8%;--negative_bar: 26%\">\n<div class=\"fr-bar positive-bar\">\n                                66%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                8%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                26%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-93\">\n<div class=\"tippy-rank-subheading\">\n                                For Ease of Approval and Process\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">66% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">8% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">26% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"cs-bottom-wrap\">\n<div class=\"cs-bottom-summary\">\n<p>Upstart borrowers express frustration with high interest rates and origination fees that increase the cost of borrowing. While borrowers found Upstart\u2019s borrowing process simple and quick, others reported issues with customer service, communication and lending practices.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Pros &amp; Cons&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Upstart&quot;}\">Pros &amp; Cons<\/div>\n<div class=\"c-tab--content list-points\">\n<div class=\"pros-cons-wrapper\">\n<div class=\"list-points pros\">\n<ul>\n<li>Accessible to borrowers with no credit history<\/li>\n<li>Prequalification with a soft credit check<\/li>\n<li>Ability to choose a custom payment date<\/li>\n<\/ul>\n<\/div>\n<div class=\"list-points cons\">\n<ul>\n<li>Charges an origination fee up to 12% of the loan amount<\/li>\n<li>No co-signer option<\/li>\n<li>Only offers three- or five-years terms<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Details&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Upstart&quot;}\">Details<\/div>\n<div class=\"c-tab--content list-points\">\n<p><strong>Eligibility<\/strong><\/p>\n<ul>\n<li><strong>Minimum credit score.<\/strong> 620<\/li>\n<li><strong>Minimum income.<\/strong> No minimum but must have a source of income<\/li>\n<li><strong>Co-signers.<\/strong> Not permitted<\/li>\n<li><strong>Co-borrowers.<\/strong> Not permitted<\/li>\n<\/ul>\n<p><strong>Customer service<\/strong><\/p>\n<p>We tested Upstart\u2019s customer service quality to evaluate its helpfulness. Through our research, we found Upstart\u2019s team was one of the fastest to answer, as we waited only 39 seconds. However, once connected, the representative was vague. While they disclosed general loan details like loan amounts, fees and interest rate ranges, they were unclear about documentation requirements and approval times.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<div data-ecom-container=\"{&quot;componentTitle&quot;:&quot;LendingClub&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<section class=\"generic-widget-wrapper\" id=\"genericProductWidget2021\" data-generic-widget=\"root\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;LendingClub&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<div class=\"exclude-eds cc-wrapper toc-product-element toc-element\" data-ecom-product=\"{&quot;itemId&quot;:&quot;695319&quot;,&quot;itemName&quot;:&quot;LendingClub&quot;,&quot;itemBrand&quot;:&quot;Credible&quot;,&quot;itemCategory&quot;:&quot;Personal Loans&quot;,&quot;itemCategory2&quot;:&quot;&quot;,&quot;itemCategory3&quot;:&quot;&quot;,&quot;itemCategory4&quot;:&quot;&quot;,&quot;price&quot;:0,&quot;quantity&quot;:1,&quot;affiliation&quot;:&quot;Credible&quot;,&quot;coupon&quot;:&quot;&quot;,&quot;secondaryCallout&quot;:&quot;&quot;,&quot;initialCost&quot;:0,&quot;subscriptionCost&quot;:0,&quot;starRating&quot;:4.5}\" id=\"lendingclub\">\n<div class=\"featured-widget-label\">\n                                <\/div>\n<div class=\"cc-wrapper-inner shadow-effect \">\n<div class=\"card-top-wrap\">\n<div class=\"left\">\n<h2 class=\"card-best-for\">Best Bad Credit Emergency Loan for Co-borrowers <\/h2>\n<h3 class=\"card-title\">LendingClub<\/h3>\n<div class=\"bottom-wrap\">\n<div class=\"card-image-wrapper\">\n                                                                                                            <a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" data-component-title=\"Generic Product Widget\" data-product-name=\"LendingClub\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.5\" data-product-offer=\"No\" data-wp-postid=\"695319\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                            <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"LendingClub\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/10\/LendingClub_Personal_Loans-removebg-preview-e1696855208183.png\">                                        <\/a>\n                                                                                                <\/div>\n<div class=\"card-rating has-tooltip\">\n<div class=\"left-wrap\">\n<div class=\"rating-value\">4.5<\/div>\n<\/div>\n<div class=\"right-wrap\">\n<div class=\"cc-rating-wrapper\">\n\t\t\t<span class=\"cc-rating\" style=\"width: 90%\"><\/span>\n\t\t<\/div>\n<div class=\"rating-logo\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"85\" height=\"12\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/fb-rating-logo.svg\"><br \/>\n\t\t\t\t\t\t\t\t\t\t<span class=\"icon-tooltip icon-info\"><\/span>\t\t<\/div>\n<\/div>\n<div class=\"card-rating-tooltip\">Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.<\/div>\n<\/div>\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Minimum Credit Score\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">600<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    APR range\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">7.90% to 35.99%<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Loan amounts\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$1,000 to $40,000<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"right\">\n<div class=\"card-image-wrapper\">\n                                                                                                <a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" data-component-title=\"Generic Product Widget\" data-product-name=\"LendingClub\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.5\" data-product-offer=\"No\" data-wp-postid=\"695319\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"LendingClub\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/10\/LendingClub_Personal_Loans-removebg-preview-e1696855208183.png\">                                    <\/a>\n                                                                                    <\/div>\n<div class=\"btn-wrap primary-cta-btn-wrap\">\n                                                            <!-- URL param restriction --><br \/>\n                                                                        <a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" class=\"apply-now c-button add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"Compare Rates\" data-link-placement=\"Button Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" data-component-title=\"Generic Product Widget\" data-product-name=\"LendingClub\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.5\" data-product-offer=\"No\" data-wp-postid=\"695319\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                        <span><br \/>\n                                            Compare Rates                                        <\/span><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"32\" height=\"32\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Arrow\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/right-arrow.svg\"><br \/>\n                                    <\/a><\/p>\n<div class=\"secure-site-txt\">\n                                Via Credible.com&#8217;s Website                            <\/div>\n<\/div>\n<\/div>\n<div class=\"mobile-fact-wrapper\">\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Minimum Credit Score\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">600<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"APR range\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">7.90% to 35.99%<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Loan amounts\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$1,000 to $40,000<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"card-bottom-wrap\">\n<div class=\"tab-content-wrapper\">\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Editor&#039;s Take&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;LendingClub&quot;}\">Editor&#8217;s Take<\/div>\n<div class=\"c-tab--content list-points\">\n<p>LendingClub offers borrowers personal loans with quick funding turnarounds and the ability to apply with a co-borrower.<\/p>\n<p><strong>Why We Like It<\/strong><\/p>\n<p>LendingClub requires a minimum credit score of just 600 and allows applicants to boost their approval odds with the help of a co-borrower.<\/p>\n<p><strong>What We Don\u2019t Like<\/strong><\/p>\n<p>LendingClub charges high APRs and doesn\u2019t offer an autopay discount. Borrowers also face an origination fee between 0% to 8% of the total loan amount, which is taken from the loan proceeds at funding.<\/p>\n<p><strong>Who It\u2019s Best For<\/strong><\/p>\n<p><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;LendingClub personal loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>LendingClub personal loans<\/a><\/span> are best for those applying for an emergency loan with a co-borrower.<\/p>\n<\/div>\n<div class=\"accordion-tab \">\n                          Consumer Sentiment Index                      <\/div>\n<div class=\"c-tab--content-wrapper\">\n<div class=\"consumer-sentiment-index-wrap remove-empty-p-tags\">\n<div class=\"cs-inner-wrap\">\n<div class=\"cs-top-wrap\">\n<div class=\"cs-meter-wrap neutral-sentiments\">\n<div class=\"csm-inner\">\n<div class=\"outer-svg-wrapper\">\n<div class=\"svg-wrapper\">\n<div class=\"dot-wrapper\" style=\"--rotateDegree: 103deg\"><\/div>\n<div><\/div>\n<div class=\"consumer-rating-number\">\n                                    6.0\n                                <\/div>\n<\/div>\n<\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-index-tippy-content-10\">\n<div class=\"consumer-score-info\">\n                                                                                            <strong class=\"consumer-score-number neutral-sentiments\">6\/10<\/strong><\/p>\n<p>                                                                                            Consumer Score\n                                                                                    <\/p>\n<\/div>\n<div class=\"consumer-score-description\">\n                                            The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.\n                                        <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cs-index-text\">Consumer Sentiment Index<\/div>\n<\/div>\n<div class=\"insight-analyzed-wrap\">\n<div class=\"ia-top-wrap\">\n<div class=\"ia-svg-wrap\"><\/div>\n<div class=\"ia-wrapper\">\n<div class=\"ia-count\">\n                                10,607\n                            <\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-ia-tippy-content-10\">\n<div class=\"cs-ia-tippy-content-heading\">\n                                            How do we calculate\n                                        <\/div>\n<p class=\"cs-ia-tippy-content-subheading\">\n                                            We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5\n                                        <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ia-text\">\n                        Insights Analyzed\n                    <\/div>\n<\/div>\n<\/div>\n<div class=\"cs-middle-wrap\">\n<ul class=\"features-rows-wrap\">\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Interest Rates and Fees<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-100\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Interest Rates and Fees\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">64% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">13% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">23% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-100\" style=\"--postive_bar: 64%;--neutral_bar: 13%;--negative_bar: 23%\">\n<div class=\"fr-bar positive-bar\">\n                                64%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                13%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                23%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-100\">\n<div class=\"tippy-rank-subheading\">\n                                For Interest Rates and Fees\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">64% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">13% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">23% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Customer Servic<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-101\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Customer Service\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">68% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">30% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-101\" style=\"--postive_bar: 68%;--neutral_bar: 2%;--negative_bar: 30%\">\n<div class=\"fr-bar positive-bar\">\n                                68%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                2%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                30%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-101\">\n<div class=\"tippy-rank-subheading\">\n                                For Customer Service\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">68% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">30% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Loan Terms and Flexibility<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-102\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Loan Terms and Flexibility\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">84% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">7% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">9% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-102\" style=\"--postive_bar: 84%;--neutral_bar: 7%;--negative_bar: 9%\">\n<div class=\"fr-bar positive-bar\">\n                                84%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                7%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                9%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-102\">\n<div class=\"tippy-rank-subheading\">\n                                For Loan Terms and Flexibility\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">84% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">7% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">9% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Ease of Approval and Process<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-103\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Ease of Approval and Process\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">95% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">3% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-103\" style=\"--postive_bar: 95%;--neutral_bar: 2%;--negative_bar: 3%\">\n<div class=\"fr-bar positive-bar\">\n                                95%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                2%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                3%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-103\">\n<div class=\"tippy-rank-subheading\">\n                                For Ease of Approval and Process\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">95% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">3% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"cs-bottom-wrap\">\n<div class=\"cs-bottom-summary\">\n<p>Borrowers are typically satisfied with LendingClub and value the competitive interest rates and efficient application process. However, some cite concerns about high origination fees and communication issues.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Pros &amp; Cons&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;LendingClub&quot;}\">Pros &amp; Cons<\/div>\n<div class=\"c-tab--content list-points\">\n<div class=\"pros-cons-wrapper\">\n<div class=\"list-points pros\">\n<ul>\n<li>Low credit score requirement<\/li>\n<li>Rate discount for using funds to pay off debt<\/li>\n<li>Accepts co-applicants<\/li>\n<\/ul>\n<\/div>\n<div class=\"list-points cons\">\n<ul>\n<li>Origination fees<\/li>\n<li>High potential rates<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Details&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;LendingClub&quot;}\">Details<\/div>\n<div class=\"c-tab--content list-points\">\n<p><strong>Eligibility<\/strong><\/p>\n<ul>\n<li><strong>Minimum credit score:<\/strong> 600<\/li>\n<li><strong>Co-applicants:<\/strong> Permitted<\/li>\n<li><strong>Direct pays third-party creditors:<\/strong> Yes<\/li>\n<\/ul>\n<p><strong>Customer service<\/strong><\/p>\n<p>We tested LendingClub\u2019s customer service to assess how helpful it is for prospective borrowers and found the representative could provide only surface-level answers. For example, after waiting just over one minute to connect with a rep, they confirmed you can set up autopay but did not confirm if any autopay discounts are available. In another case, they mentioned LendingClub charges an origination fee but didn\u2019t disclose anything further like the amount.<\/p>\n<p>However, this does not mean they were not responsive or able to provide helpful information. We connected with a rep in just over one minute. Through our evaluation, we gathered key information, including loan amounts, required documentation such as W-2s and bank statements, loan assistance options and funding turnaround times.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<div data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Avant&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<section class=\"generic-widget-wrapper\" id=\"genericProductWidget2021\" data-generic-widget=\"root\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Avant&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<div class=\"exclude-eds cc-wrapper toc-product-element toc-element\" data-ecom-product=\"{&quot;itemId&quot;:&quot;695229&quot;,&quot;itemName&quot;:&quot;Avant&quot;,&quot;itemBrand&quot;:&quot;Credible&quot;,&quot;itemCategory&quot;:&quot;Personal Loans&quot;,&quot;itemCategory2&quot;:&quot;&quot;,&quot;itemCategory3&quot;:&quot;&quot;,&quot;itemCategory4&quot;:&quot;&quot;,&quot;price&quot;:0,&quot;quantity&quot;:1,&quot;affiliation&quot;:&quot;Credible&quot;,&quot;coupon&quot;:&quot;&quot;,&quot;secondaryCallout&quot;:&quot;&quot;,&quot;initialCost&quot;:0,&quot;subscriptionCost&quot;:0,&quot;starRating&quot;:4.5}\" id=\"avant\">\n<div class=\"featured-widget-label\">\n                                <\/div>\n<div class=\"cc-wrapper-inner shadow-effect \">\n<div class=\"card-top-wrap\">\n<div class=\"left\">\n<h2 class=\"card-best-for\">Best Bad Credit Emergency Loan for Customer Service<\/h2>\n<h3 class=\"card-title\">Avant<\/h3>\n<div class=\"bottom-wrap\">\n<div class=\"card-image-wrapper\">\n                                                                                                            <a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" data-component-title=\"Generic Product Widget\" data-product-name=\"Avant\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.5\" data-product-offer=\"No\" data-wp-postid=\"695229\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                            <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Avant\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/10\/avant-e1696855121251.png\">                                        <\/a>\n                                                                                                <\/div>\n<div class=\"card-rating has-tooltip\">\n<div class=\"left-wrap\">\n<div class=\"rating-value\">4.5<\/div>\n<\/div>\n<div class=\"right-wrap\">\n<div class=\"cc-rating-wrapper\">\n\t\t\t<span class=\"cc-rating\" style=\"width: 90%\"><\/span>\n\t\t<\/div>\n<div class=\"rating-logo\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"85\" height=\"12\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/fb-rating-logo.svg\"><br \/>\n\t\t\t\t\t\t\t\t\t\t<span class=\"icon-tooltip icon-info\"><\/span>\t\t<\/div>\n<\/div>\n<div class=\"card-rating-tooltip\">Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.<\/div>\n<\/div>\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Minimum Credit Score\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">550<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    APR range                                            <span class=\"icon-tooltip icon-info tooltip tooltipstered tooltip-tippy\" data-tooltip-content=\"#attr_tooltip1695229\"><\/span><\/p>\n<div class=\"tooltip_templates d-none\">\n<div id=\"attr_tooltip1695229\">\n                                If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.                            <\/div>\n<\/div>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">9.95% to 35.99%<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Loan amounts                                            <span class=\"icon-tooltip icon-info tooltip tooltipstered tooltip-tippy\" data-tooltip-content=\"#attr_tooltip2695229\"><\/span><\/p>\n<div class=\"tooltip_templates d-none\">\n<div id=\"attr_tooltip2695229\">\n                                Example: A $5,900 loan with an administration fee of 4.75% and an amount financed of $5,619.75, repayable in 36 monthly installments, with an APR of 29.95% would have monthly payments of $250.30. If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.                            <\/div>\n<\/div>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$2,000 to $35,000<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"right\">\n<div class=\"card-image-wrapper\">\n                                                                                                <a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" data-component-title=\"Generic Product Widget\" data-product-name=\"Avant\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.5\" data-product-offer=\"No\" data-wp-postid=\"695229\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Avant\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/10\/avant-e1696855121251.png\">                                    <\/a>\n                                                                                    <\/div>\n<div class=\"btn-wrap primary-cta-btn-wrap\">\n                                                            <!-- URL param restriction --><br \/>\n                                                                        <a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" class=\"apply-now c-button add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"Compare Rates\" data-link-placement=\"Button Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" data-component-title=\"Generic Product Widget\" data-product-name=\"Avant\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.5\" data-product-offer=\"No\" data-wp-postid=\"695229\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                        <span><br \/>\n                                            Compare Rates                                        <\/span><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"32\" height=\"32\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Arrow\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/right-arrow.svg\"><br \/>\n                                    <\/a><\/p>\n<div class=\"secure-site-txt\">\n                                Via Credible.com&#8217;s Website                            <\/div>\n<\/div>\n<\/div>\n<div class=\"mobile-fact-wrapper\">\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Minimum Credit Score\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">550<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"APR range\">\n                                                                <span class=\"icon-tooltip icon-info tooltip tooltipstered tooltip-tippy\" data-tooltip-content=\"#attr_tooltip1695229\"><\/span><\/p>\n<div class=\"tooltip_templates d-none\">\n<div id=\"attr_tooltip1695229\">\n                                If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.                            <\/div>\n<\/div>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">9.95% to 35.99%<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Loan amounts\">\n                                                                <span class=\"icon-tooltip icon-info tooltip tooltipstered tooltip-tippy\" data-tooltip-content=\"#attr_tooltip2695229\"><\/span><\/p>\n<div class=\"tooltip_templates d-none\">\n<div id=\"attr_tooltip2695229\">\n                                Example: A $5,900 loan with an administration fee of 4.75% and an amount financed of $5,619.75, repayable in 36 monthly installments, with an APR of 29.95% would have monthly payments of $250.30. If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.                            <\/div>\n<\/div>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$2,000 to $35,000<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"card-bottom-wrap\">\n<div class=\"tab-content-wrapper\">\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Editor&#039;s Take&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Avant&quot;}\">Editor&#8217;s Take<\/div>\n<div class=\"c-tab--content list-points\">\n<p>Avant is a consumer lending platform that offers secured and unsecured personal loans.<\/p>\n<p><strong>Why We Like It<\/strong><\/p>\n<p>Avant offers robust and convenient customer support options, including a phone number dedicated to personal loans, an online application, a mobile app and extensive online resources.<\/p>\n<p><strong>What We Don\u2019t Like<\/strong><\/p>\n<p>Avant\u2019s loans come with an administration fee of up to 9.99%, and loan amounts range from $2,000 to $35,000\u2014more restrictive than those offered by other lenders.<\/p>\n<p><strong>Who It\u2019s Best For<\/strong><\/p>\n<p><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Avantu2019s personal loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Avant\u2019s personal loans<\/a><\/span> are best for middle-income borrowers with less-than-stellar credit who value customer satisfaction and quick access to funds.<\/p>\n<\/div>\n<div class=\"accordion-tab \">\n                          Consumer Sentiment Index                      <\/div>\n<div class=\"c-tab--content-wrapper\">\n<div class=\"consumer-sentiment-index-wrap remove-empty-p-tags\">\n<div class=\"cs-inner-wrap\">\n<div class=\"cs-top-wrap\">\n<div class=\"cs-meter-wrap neutral-sentiments\">\n<div class=\"csm-inner\">\n<div class=\"outer-svg-wrapper\">\n<div class=\"svg-wrapper\">\n<div class=\"dot-wrapper\" style=\"--rotateDegree: 85deg\"><\/div>\n<div><\/div>\n<div class=\"consumer-rating-number\">\n                                    4.6\n                                <\/div>\n<\/div>\n<\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-index-tippy-content-11\">\n<div class=\"consumer-score-info\">\n                                                                                            <strong class=\"consumer-score-number neutral-sentiments\">4.6\/10<\/strong><\/p>\n<p>                                                                                            Consumer Score\n                                                                                    <\/p>\n<\/div>\n<div class=\"consumer-score-description\">\n                                            The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.\n                                        <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cs-index-text\">Consumer Sentiment Index<\/div>\n<\/div>\n<div class=\"insight-analyzed-wrap\">\n<div class=\"ia-top-wrap\">\n<div class=\"ia-svg-wrap\"><\/div>\n<div class=\"ia-wrapper\">\n<div class=\"ia-count\">\n                                7,304\n                            <\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-ia-tippy-content-11\">\n<div class=\"cs-ia-tippy-content-heading\">\n                                            How do we calculate\n                                        <\/div>\n<p class=\"cs-ia-tippy-content-subheading\">\n                                            We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5\n                                        <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ia-text\">\n                        Insights Analyzed\n                    <\/div>\n<\/div>\n<\/div>\n<div class=\"cs-middle-wrap\">\n<ul class=\"features-rows-wrap\">\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Interest Rates and Fees<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-110\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Interest Rates and Fees\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">18% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">11% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">71% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-110\" style=\"--postive_bar: 18%;--neutral_bar: 11%;--negative_bar: 71%\">\n<div class=\"fr-bar positive-bar\">\n                                18%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                11%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                71%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-110\">\n<div class=\"tippy-rank-subheading\">\n                                For Interest Rates and Fees\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">18% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">11% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">71% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Customer Service<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-111\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Customer Service\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">23% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">1% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">76% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-111\" style=\"--postive_bar: 23%;--neutral_bar: 1%;--negative_bar: 76%\">\n<div class=\"fr-bar positive-bar\">\n                                23%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                1%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                76%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-111\">\n<div class=\"tippy-rank-subheading\">\n                                For Customer Service\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">23% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">1% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">76% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Loan Terms and Flexibility<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-112\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Loan Terms and Flexibility\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">67% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">12% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">21% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-112\" style=\"--postive_bar: 67%;--neutral_bar: 12%;--negative_bar: 21%\">\n<div class=\"fr-bar positive-bar\">\n                                67%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                12%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                21%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-112\">\n<div class=\"tippy-rank-subheading\">\n                                For Loan Terms and Flexibility\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">67% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">12% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">21% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Ease of Approval and Process<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-113\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Ease of Approval and Process\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">87% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">11% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-113\" style=\"--postive_bar: 87%;--neutral_bar: 2%;--negative_bar: 11%\">\n<div class=\"fr-bar positive-bar\">\n                                87%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                2%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                11%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-113\">\n<div class=\"tippy-rank-subheading\">\n                                For Ease of Approval and Process\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">87% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">11% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"cs-bottom-wrap\">\n<div class=\"cs-bottom-summary\">\n<p>While some borrowers praise Avant\u2019s user-friendly app and fast approval process, others comment negatively about customer service quality, unexplained fees and high interest rates. However, many borrowers appreciate quick loan decisions and funding turnaround times.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Pros &amp; Cons&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Avant&quot;}\">Pros &amp; Cons<\/div>\n<div class=\"c-tab--content list-points\">\n<div class=\"pros-cons-wrapper\">\n<div class=\"list-points pros\">\n<ul>\n<li>Secured and unsecured loan options available<\/li>\n<li>Low credit score requirement of 550<\/li>\n<li>Loan terms available up to 60 months<\/li>\n<\/ul>\n<\/div>\n<div class=\"list-points cons\">\n<ul>\n<li>Charges an upfront administrative fee<\/li>\n<li>High minimum APR<\/li>\n<li>Co-signers and co-applicants not allowed<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Details&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Avant&quot;}\">Details<\/div>\n<div class=\"c-tab--content list-points\">\n<p><strong>Eligibility<\/strong><\/p>\n<ul>\n<li><strong>Minimum credit score.<\/strong> 550<\/li>\n<li><strong>Minimum income.<\/strong> Does not disclose<\/li>\n<li><strong>Co-borrowers.<\/strong> Not permitted<\/li>\n<li><strong>Co-signers.<\/strong> Not permitted<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<div data-ecom-container=\"{&quot;componentTitle&quot;:&quot;LendingPoint&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<section class=\"generic-widget-wrapper\" id=\"genericProductWidget2021\" data-generic-widget=\"root\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;LendingPoint&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<div class=\"exclude-eds cc-wrapper toc-product-element toc-element\" data-ecom-product=\"{&quot;itemId&quot;:&quot;695311&quot;,&quot;itemName&quot;:&quot;LendingPoint&quot;,&quot;itemBrand&quot;:&quot;Even Finance&quot;,&quot;itemCategory&quot;:&quot;Personal Loans&quot;,&quot;itemCategory2&quot;:&quot;&quot;,&quot;itemCategory3&quot;:&quot;&quot;,&quot;itemCategory4&quot;:&quot;&quot;,&quot;price&quot;:0,&quot;quantity&quot;:1,&quot;affiliation&quot;:&quot;Even Finance&quot;,&quot;coupon&quot;:&quot;&quot;,&quot;secondaryCallout&quot;:&quot;&quot;,&quot;initialCost&quot;:0,&quot;subscriptionCost&quot;:0,&quot;starRating&quot;:4.5}\" id=\"lendingpoint\">\n<div class=\"featured-widget-label\">\n                                <\/div>\n<div class=\"cc-wrapper-inner shadow-effect \">\n<div class=\"card-top-wrap\">\n<div class=\"left\">\n<h2 class=\"card-best-for\">Best Bad Credit Emergency Loan for Long Repayment Terms<\/h2>\n<h3 class=\"card-title\">LendingPoint<\/h3>\n<div class=\"bottom-wrap\">\n<div class=\"card-image-wrapper\">\n                                                                                                            <a href=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" data-component-title=\"Generic Product Widget\" data-product-name=\"LendingPoint\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.5\" data-product-offer=\"No\" data-wp-postid=\"695311\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint&quot;,&quot;partnerName&quot;:&quot;Even Finance&quot;}\"><br \/>\n                                            <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"LendingPoint\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/http:\/\/awele.net\/wp-content\/uploads\/2025\/06\/26-262308_personal-loan-lendingpoint.png\">                                        <\/a>\n                                                                                                <\/div>\n<div class=\"card-rating has-tooltip\">\n<div class=\"left-wrap\">\n<div class=\"rating-value\">4.5<\/div>\n<\/div>\n<div class=\"right-wrap\">\n<div class=\"cc-rating-wrapper\">\n\t\t\t<span class=\"cc-rating\" style=\"width: 90%\"><\/span>\n\t\t<\/div>\n<div class=\"rating-logo\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"85\" height=\"12\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/fb-rating-logo.svg\"><br \/>\n\t\t\t\t\t\t\t\t\t\t<span class=\"icon-tooltip icon-info\"><\/span>\t\t<\/div>\n<\/div>\n<div class=\"card-rating-tooltip\">Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.<\/div>\n<\/div>\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Minimum Credit Score\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">600 <\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    APR range\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">7.99% to 35.99%  <\/p>\n<p class=\"fact-value-light\">with autopay <\/p>\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Loan amounts\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$1,000 to $36,500<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"right\">\n<div class=\"card-image-wrapper\">\n                                                                                                <a href=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" data-component-title=\"Generic Product Widget\" data-product-name=\"LendingPoint\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.5\" data-product-offer=\"No\" data-wp-postid=\"695311\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint&quot;,&quot;partnerName&quot;:&quot;Even Finance&quot;}\"><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"LendingPoint\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/http:\/\/awele.net\/wp-content\/uploads\/2025\/06\/26-262308_personal-loan-lendingpoint.png\">                                    <\/a>\n                                                                                    <\/div>\n<div class=\"btn-wrap primary-cta-btn-wrap\">\n                                                            <!-- URL param restriction --><br \/>\n                                                                        <a href=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" class=\"apply-now c-button add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"Compare Rates\" data-link-placement=\"Button Link\" data-url=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" data-component-title=\"Generic Product Widget\" data-product-name=\"LendingPoint\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.5\" data-product-offer=\"No\" data-wp-postid=\"695311\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint&quot;,&quot;partnerName&quot;:&quot;Even Finance&quot;}\"><br \/>\n                                        <span><br \/>\n                                            Compare Rates                                        <\/span><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"32\" height=\"32\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Arrow\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/right-arrow.svg\"><br \/>\n                                    <\/a><\/p>\n<div class=\"secure-site-txt\">\n                                Via MoneyLion\u2019s Website                            <\/div>\n<\/div>\n<\/div>\n<div class=\"mobile-fact-wrapper\">\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Minimum Credit Score\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">600 <\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"APR range\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">7.99% to 35.99%  <\/p>\n<p class=\"fact-value-light\">with autopay <\/p>\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Loan amounts\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$1,000 to $36,500<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"card-bottom-wrap\">\n<div class=\"tab-content-wrapper\">\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Editor&#039;s Take&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;LendingPoint&quot;}\">Editor&#8217;s Take<\/div>\n<div class=\"c-tab--content list-points\">\n<p>LendingPoint is an online lender that offers personal loans with repayment terms from two to six years.<\/p>\n<p><strong>Why We Like It<\/strong><\/p>\n<p>LendingPoint\u2019s lengthy loan terms and flexible loan amounts of $1,000 to $36,500 mean borrowers are more likely to find a personal loan payment that fits their budget.<\/p>\n<p><strong>What We Don\u2019t Like<\/strong><\/p>\n<p>LendingPoint has high maximum APRs and its origination fees are as much as up to 10%, depending on your state.<\/p>\n<p><strong>Who It\u2019s Best For<\/strong><\/p>\n<p><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;LendingPoint personal loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>LendingPoint personal loans<\/a><\/span> are best for fair-credit borrowers who want to keep their monthly payments manageable with longer repayment terms.<\/p>\n<\/div>\n<div class=\"accordion-tab \">\n                          Consumer Sentiment Index                      <\/div>\n<div class=\"c-tab--content-wrapper\">\n<div class=\"consumer-sentiment-index-wrap remove-empty-p-tags\">\n<div class=\"cs-inner-wrap\">\n<div class=\"cs-top-wrap\">\n<div class=\"cs-meter-wrap neutral-sentiments\">\n<div class=\"csm-inner\">\n<div class=\"outer-svg-wrapper\">\n<div class=\"svg-wrapper\">\n<div class=\"dot-wrapper\" style=\"--rotateDegree: 103deg\"><\/div>\n<div><\/div>\n<div class=\"consumer-rating-number\">\n                                    6.0\n                                <\/div>\n<\/div>\n<\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-index-tippy-content-12\">\n<div class=\"consumer-score-info\">\n                                                                                            <strong class=\"consumer-score-number neutral-sentiments\">6\/10<\/strong><\/p>\n<p>                                                                                            Consumer Score\n                                                                                    <\/p>\n<\/div>\n<div class=\"consumer-score-description\">\n                                            The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.\n                                        <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cs-index-text\">Consumer Sentiment Index<\/div>\n<\/div>\n<div class=\"insight-analyzed-wrap\">\n<div class=\"ia-top-wrap\">\n<div class=\"ia-svg-wrap\"><\/div>\n<div class=\"ia-wrapper\">\n<div class=\"ia-count\">\n                                10,607\n                            <\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-ia-tippy-content-12\">\n<div class=\"cs-ia-tippy-content-heading\">\n                                            How do we calculate\n                                        <\/div>\n<p class=\"cs-ia-tippy-content-subheading\">\n                                            We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5\n                                        <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ia-text\">\n                        Insights Analyzed\n                    <\/div>\n<\/div>\n<\/div>\n<div class=\"cs-middle-wrap\">\n<ul class=\"features-rows-wrap\">\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Interest Rates and Fees<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-120\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Interest Rates and Fees\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">64% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">13% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">23% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-120\" style=\"--postive_bar: 64%;--neutral_bar: 13%;--negative_bar: 23%\">\n<div class=\"fr-bar positive-bar\">\n                                64%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                13%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                23%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-120\">\n<div class=\"tippy-rank-subheading\">\n                                For Interest Rates and Fees\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">64% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">13% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">23% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Customer Service<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-121\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Customer Service\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">68% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">30% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-121\" style=\"--postive_bar: 68%;--neutral_bar: 2%;--negative_bar: 30%\">\n<div class=\"fr-bar positive-bar\">\n                                68%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                2%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                30%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-121\">\n<div class=\"tippy-rank-subheading\">\n                                For Customer Service\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">68% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">30% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Loan Terms and Flexibility<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-122\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Loan Terms and Flexibility\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">84% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">7% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">9% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-122\" style=\"--postive_bar: 84%;--neutral_bar: 7%;--negative_bar: 9%\">\n<div class=\"fr-bar positive-bar\">\n                                84%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                7%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                9%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-122\">\n<div class=\"tippy-rank-subheading\">\n                                For Loan Terms and Flexibility\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">84% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">7% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">9% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Ease of Approval and Process<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-123\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Ease of Approval and Process\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">95% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">3% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-123\" style=\"--postive_bar: 95%;--neutral_bar: 2%;--negative_bar: 3%\">\n<div class=\"fr-bar positive-bar\">\n                                95%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                2%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                3%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-123\">\n<div class=\"tippy-rank-subheading\">\n                                For Ease of Approval and Process\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">95% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">2% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">3% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"cs-bottom-wrap\">\n<div class=\"cs-bottom-summary\">\n<p>Borrowers appreciate the easy application process and robust customer service but criticize the high interest rates and misleading prequalification process. Some borrowers are concerned about LendingPoint\u2019s perceived predatory practices and poor handling of loans post-approval.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Pros &amp; Cons&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;LendingPoint&quot;}\">Pros &amp; Cons<\/div>\n<div class=\"c-tab--content list-points\">\n<div class=\"pros-cons-wrapper\">\n<div class=\"list-points pros\">\n<ul>\n<li>Quick funding<\/li>\n<li>Low credit score requirements<\/li>\n<li>No prepayment penalty<\/li>\n<\/ul>\n<\/div>\n<div class=\"list-points cons\">\n<ul>\n<li>Origination fee up to 10%<\/li>\n<li>Co-signers or joint loans not permitted<\/li>\n<li>Not available in Nevada and West Virginia<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Details&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;LendingPoint&quot;}\">Details<\/div>\n<div class=\"c-tab--content list-points\">\n<p><strong>Eligibility:\u00a0<\/strong><\/p>\n<ul>\n<li><strong>Minimum credit score.<\/strong> 600 <\/li>\n<li><strong>Minimum annual income.<\/strong> $35,000<\/li>\n<li><strong>Co-signers.<\/strong> Not permitted<\/li>\n<\/ul>\n<p><strong>Customer service<\/strong><\/p>\n<p>After testing and evaluating LendingPoint\u2019s customer service, we found it to be one of the most helpful and transparent lenders on our list after waiting only 46 seconds to be connected to a representative. The customer service representative we spoke with shared an in-depth perspective of their loan offers, including information about loan amounts, eligibility requirements, how interest rates are determined and prequalification.<\/p>\n<p>LendingPoint\u2019s team also disclosed late fees but didn\u2019t confirm origination fees. While customer service didn\u2019t share this information wasn\u2019t, the lender discloses a fee of up to 10% on its website. LendingPoint was also one of few lenders that shared how they report payments to credit bureaus, which it typically does at the start of the month.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<div data-ecom-container=\"{&quot;componentTitle&quot;:&quot;OneMain Financial&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<section class=\"generic-widget-wrapper\" id=\"genericProductWidget2021\" data-generic-widget=\"root\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;OneMain Financial&quot;,&quot;componentType&quot;:&quot;Loan Product&quot;}\">\n<div class=\"exclude-eds cc-wrapper toc-product-element toc-element\" data-ecom-product=\"{&quot;itemId&quot;:&quot;699380&quot;,&quot;itemName&quot;:&quot;OneMain Financial&quot;,&quot;itemBrand&quot;:&quot;Credible&quot;,&quot;itemCategory&quot;:&quot;Personal Loans&quot;,&quot;itemCategory2&quot;:&quot;&quot;,&quot;itemCategory3&quot;:&quot;&quot;,&quot;itemCategory4&quot;:&quot;&quot;,&quot;price&quot;:0,&quot;quantity&quot;:1,&quot;affiliation&quot;:&quot;Credible&quot;,&quot;coupon&quot;:&quot;&quot;,&quot;secondaryCallout&quot;:&quot;&quot;,&quot;initialCost&quot;:0,&quot;subscriptionCost&quot;:0,&quot;starRating&quot;:4.4}\" id=\"onemain_financial\">\n<div class=\"featured-widget-label\">\n                                <\/div>\n<div class=\"cc-wrapper-inner shadow-effect \">\n<div class=\"card-top-wrap\">\n<div class=\"left\">\n<h2 class=\"card-best-for\">Best Bad Credit Emergency Loan for Small Loans<\/h2>\n<h3 class=\"card-title\">OneMain Financial<\/h3>\n<div class=\"bottom-wrap\">\n<div class=\"card-image-wrapper\">\n                                                                                                            <a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" data-component-title=\"Generic Product Widget\" data-product-name=\"OneMain Financial\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.4\" data-product-offer=\"No\" data-wp-postid=\"699380\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                            <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"OneMain Financial\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/http:\/\/awele.net\/wp-content\/uploads\/2025\/06\/OneMain-Financial.png\">                                        <\/a>\n                                                                                                <\/div>\n<div class=\"card-rating has-tooltip\">\n<div class=\"left-wrap\">\n<div class=\"rating-value\">4.4<\/div>\n<\/div>\n<div class=\"right-wrap\">\n<div class=\"cc-rating-wrapper\">\n\t\t\t<span class=\"cc-rating\" style=\"width: 90%\"><\/span>\n\t\t<\/div>\n<div class=\"rating-logo\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"85\" height=\"12\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/fb-rating-logo.svg\"><br \/>\n\t\t\t\t\t\t\t\t\t\t<span class=\"icon-tooltip icon-info\"><\/span>\t\t<\/div>\n<\/div>\n<div class=\"card-rating-tooltip\">Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.<\/div>\n<\/div>\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Minimum Credit Score\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">OneMain Financial does not disclose this information <\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    APR range\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">18.00% to 35.99% <\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"\">\n                    Loan amounts\n                <\/p>\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$1,500 to $20,000<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"right\">\n<div class=\"card-image-wrapper\">\n                                                                                                <a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" class=\"add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"NA\" data-link-placement=\"Image Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" data-component-title=\"Generic Product Widget\" data-product-name=\"OneMain Financial\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.4\" data-product-offer=\"No\" data-wp-postid=\"699380\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"125\" height=\"70\" class=\"card-image lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"OneMain Financial\" data-src=\"https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/150x\/http:\/\/awele.net\/wp-content\/uploads\/2025\/06\/OneMain-Financial.png\">                                    <\/a>\n                                                                                    <\/div>\n<div class=\"btn-wrap primary-cta-btn-wrap\">\n                                                            <!-- URL param restriction --><br \/>\n                                                                        <a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" class=\"apply-now c-button add-generic-widget-tid-attribute track-type\" target=\"_blank\" rel=\"nofollow\" data-cta-text=\"Compare Rates\" data-link-placement=\"Button Link\" data-url=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" data-component-title=\"Generic Product Widget\" data-product-name=\"OneMain Financial\" data-product-category=\"Loan\" data-product-position=\"NA\" data-product-badge=\"NA\" data-product-rating=\"4.4\" data-product-offer=\"No\" data-wp-postid=\"699380\" data-product-id=\"NA\" data-product-segment=\"NA\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><br \/>\n                                        <span><br \/>\n                                            Compare Rates                                        <\/span><br \/>\n                                        <img decoding=\"async\" loading=\"lazy\" width=\"32\" height=\"32\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Arrow\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/right-arrow.svg\"><br \/>\n                                    <\/a><\/p>\n<div class=\"secure-site-txt\">\n                                Via Credible.com&#8217;s Website                            <\/div>\n<\/div>\n<\/div>\n<div class=\"mobile-fact-wrapper\">\n<div class=\"facts-wrapper\">\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Minimum Credit Score\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">OneMain Financial does not disclose this information <\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"APR range\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">18.00% to 35.99% <\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<div class=\"facts \">\n<p class=\"fact\" data-attribute-label=\"Loan amounts\">\n<div class=\"fact-value-wrapper\">\n<p class=\"fact-value\">$1,500 to $20,000<\/p>\n<p class=\"fact-value-light\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"card-bottom-wrap\">\n<div class=\"tab-content-wrapper\">\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Editor&#039;s Take&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;OneMain Financial&quot;}\">Editor&#8217;s Take<\/div>\n<div class=\"c-tab--content list-points\">\n<p>OneMain Financial works with borrowers with less-than-perfect credit and offers small loans ranging from $1,500 to $20,000, depending on the state.<\/p>\n<p><strong>Why We Like It<\/strong><\/p>\n<p>OneMain Financial offers small loan amounts that borrowers can receive via debit card within one hour after loan closing or within one to two banking days if disbursed via direct deposit.<\/p>\n<p><strong>What We Don\u2019t Like<\/strong><\/p>\n<p>OneMain Financial\u2019s loans come with high minimum interest rates starting at 18%. The lender\u2019s origination fees range from 1% to 10% of the loan amount or a $25 to $500 flat fee.<\/p>\n<p><strong>Who It\u2019s Best For<\/strong><\/p>\n<p><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;OneMain Financialu2019s personal loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>OneMain Financial\u2019s personal loans<\/a><\/span> are best for subprime borrowers who need a small amount of money with fast funding speeds.<\/p>\n<\/div>\n<div class=\"accordion-tab \">\n                          Consumer Sentiment Index                      <\/div>\n<div class=\"c-tab--content-wrapper\">\n<div class=\"consumer-sentiment-index-wrap remove-empty-p-tags\">\n<div class=\"cs-inner-wrap\">\n<div class=\"cs-top-wrap\">\n<div class=\"cs-meter-wrap neutral-sentiments\">\n<div class=\"csm-inner\">\n<div class=\"outer-svg-wrapper\">\n<div class=\"svg-wrapper\">\n<div class=\"dot-wrapper\" style=\"--rotateDegree: 105deg\"><\/div>\n<div><\/div>\n<div class=\"consumer-rating-number\">\n                                    6.2\n                                <\/div>\n<\/div>\n<\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-index-tippy-content-13\">\n<div class=\"consumer-score-info\">\n                                                                                            <strong class=\"consumer-score-number neutral-sentiments\">6.2\/10<\/strong><\/p>\n<p>                                                                                            Consumer Score\n                                                                                    <\/p>\n<\/div>\n<div class=\"consumer-score-description\">\n                                            The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.\n                                        <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cs-index-text\">Consumer Sentiment Index<\/div>\n<\/div>\n<div class=\"insight-analyzed-wrap\">\n<div class=\"ia-top-wrap\">\n<div class=\"ia-svg-wrap\"><\/div>\n<div class=\"ia-wrapper\">\n<div class=\"ia-count\">\n                                5,106\n                            <\/div>\n<div class=\"tippy-wrap\">\n<div id=\"cs-ia-tippy-content-13\">\n<div class=\"cs-ia-tippy-content-heading\">\n                                            How do we calculate\n                                        <\/div>\n<p class=\"cs-ia-tippy-content-subheading\">\n                                            We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5\n                                        <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ia-text\">\n                        Insights Analyzed\n                    <\/div>\n<\/div>\n<\/div>\n<div class=\"cs-middle-wrap\">\n<ul class=\"features-rows-wrap\">\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Interest Rates and Fees<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-130\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Interest Rates and Fees\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">13% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">14% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">73% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-130\" style=\"--postive_bar: 13%;--neutral_bar: 14%;--negative_bar: 73%\">\n<div class=\"fr-bar positive-bar\">\n                                13%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                14%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                73%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-130\">\n<div class=\"tippy-rank-subheading\">\n                                For Interest Rates and Fees\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">13% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">14% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">73% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Customer Service<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-131\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Customer Service\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">81% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">1% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">18% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-131\" style=\"--postive_bar: 81%;--neutral_bar: 1%;--negative_bar: 18%\">\n<div class=\"fr-bar positive-bar\">\n                                81%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                1%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                18%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-131\">\n<div class=\"tippy-rank-subheading\">\n                                For Customer Service\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">81% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">1% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">18% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Loan Terms and Flexibility<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-132\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Loan Terms and Flexibility\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">36% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">31% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">33% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-132\" style=\"--postive_bar: 36%;--neutral_bar: 31%;--negative_bar: 33%\">\n<div class=\"fr-bar positive-bar\">\n                                36%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                31%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                33%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-132\">\n<div class=\"tippy-rank-subheading\">\n                                For Loan Terms and Flexibility\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">36% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">31% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">33% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li class=\"feature-row\">\n<div class=\"fr-top-info\">\n<div class=\"rank-wrap\">\n                                                                    <strong class=\"rank-hash\">#<\/strong><strong class=\"rank-number\"> <\/strong><\/p>\n<div class=\"feature-tippy-wrap\">\n                                    <span class=\"feature-name\"><br \/>\n                                        Ease of Approval and Process<br \/>\n                                    <\/span><\/p>\n<div class=\"tippy-wrap\">\n<div id=\"feature-row-tippy-content-133\">\n<div class=\"tippy-rank-subheading\">\n                                                    For Ease of Approval and Process\n                                                <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                                    <strong class=\"rank-sentiment-percent\">86% <\/strong>of people had positive sentiments\n                                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                                    <strong class=\"rank-sentiment-percent\">3% <\/strong>of people had neutral sentiments\n                                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                                    <strong class=\"rank-sentiment-percent\">11% <\/strong>of people had negative sentiments\n                                                <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fr-bottom-bar sentiment-bar-tippy\" data-tooltip-content=\"#sentiment-bar-tippy-content-133\" style=\"--postive_bar: 86%;--neutral_bar: 3%;--negative_bar: 11%\">\n<div class=\"fr-bar positive-bar\">\n                                86%\n                            <\/div>\n<div class=\"fr-bar neutral-bar\">\n                                3%\n                            <\/div>\n<div class=\"fr-bar negative-bar\">\n                                11%\n                            <\/div>\n<\/div>\n<div id=\"sentiment-bar-tippy-content-133\">\n<div class=\"tippy-rank-subheading\">\n                                For Ease of Approval and Process\n                            <\/div>\n<ul class=\"tippy-rank-sentiments\">\n<li class=\"rank-sentiment positive\">\n                                    <strong class=\"rank-sentiment-percent\">86% <\/strong>of people had positive sentiments\n                                <\/li>\n<li class=\"rank-sentiment neutral\">\n                                    <strong class=\"rank-sentiment-percent\">3% <\/strong>of people had neutral sentiments\n                                <\/li>\n<li class=\"rank-sentiment negative\">\n                                    <strong class=\"rank-sentiment-percent\">11% <\/strong>of people had negative sentiments\n                                <\/li>\n<\/ul>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"cs-bottom-wrap\">\n<div class=\"cs-bottom-summary\">\n<p>Borrowers appreciate the knowledge of customer representatives and the streamlined loan process. However, some borrowers are upset about high interest rates and poor communication. While the customer sentiment trends toward being satisfied, OneMain Financial receives mixed reviews from its borrowers.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Pros &amp; Cons&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;OneMain Financial&quot;}\">Pros &amp; Cons<\/div>\n<div class=\"c-tab--content list-points\">\n<div class=\"pros-cons-wrapper\">\n<div class=\"list-points pros\">\n<ul>\n<li>Designed for borrowers with low credit scores<\/li>\n<li>Offers secured loan options<\/li>\n<li>Evaluates entire credit and income history instead of credit score<\/li>\n<\/ul>\n<\/div>\n<div class=\"list-points cons\">\n<ul>\n<li>Limits only up to $20,000<\/li>\n<li>Can\u2019t be used for business purposes<\/li>\n<li>Charges high APRs<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-tab  \" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Details&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;OneMain Financial&quot;}\">Details<\/div>\n<div class=\"c-tab--content list-points\">\n<p><strong>Eligibility:<\/strong><\/p>\n<ul>\n<li><strong>Minimum credit score required.<\/strong> No minimum credit score requirement<\/li>\n<li><strong>Minimum annual income.<\/strong> No minimum income requirement<\/li>\n<li><strong>Co-borrowers.<\/strong> Not permitted<\/li>\n<li><strong>Co-signers.<\/strong> Permitted<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\">Summary: Best Emergency Loans for Bad Credit Of 2025<\/h2>\n<p><!-- fadv:ignore-wpautop --><\/p>\n<div class=\"mkpl-shortcode-instance variation-2 advisor\" data-custom-value=\"mkpl-tables-1324517\" data-variation=\"variation-2\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;&quot;,&quot;componentType&quot;:&quot;Simple Table&quot;}\">\n<div class=\"mkpl-mobile-table-container open\" id=\"mkpl-table-container\">\n<div class=\"mkpl-table-inner-container\">\n<div class=\"mkpl-mobile-table-scroll\">\n<div class=\"mkpl-single-row\">\n<div class=\"mkpl-product-details cell cell-col-1\">\n<div class=\"mkpl-prod-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&#038;utm_medium=referral&#038;utm_campaign=upgrade&#038;preferred_lender=upgrade_pl&#038;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"http:\/\/www.awele.net\/wp-content\/uploads\/2025\/06\/Upgrade-rem-bg.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\">Upgrade <\/a><\/div>\n<\/div><\/div>\n<div class=\"mkpl-prod-rating\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">5.0<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-prod-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via Credible.com\u2019s Website<\/div>\n<\/div><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-2\">\n<div class=\"mkpl-col-name\">                                        Minimum Credit Score                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">620<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-3\">\n<div class=\"mkpl-col-name\">                                        Current Apr Range                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">7.99% to 35.99%<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-4\">\n<div class=\"mkpl-col-name\">                                        Loan Amounts                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">$1,000 to $50,000<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-row\">\n<div class=\"mkpl-product-details cell cell-col-1\">\n<div class=\"mkpl-prod-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&#038;utm_medium=referral&#038;utm_campaign=upstart&#038;preferred_lender=upstart_pl&#038;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"http:\/\/www.awele.net\/wp-content\/uploads\/2025\/06\/Upstart-Holdings-Inc.-UPST.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\">Upstart <\/a><\/div>\n<\/div><\/div>\n<div class=\"mkpl-prod-rating\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">4.6<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/half-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-prod-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via Credible.com\u2019s Website<\/div>\n<\/div><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-2\">\n<div class=\"mkpl-col-name\">                                        Minimum Credit Score                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">620<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-3\">\n<div class=\"mkpl-col-name\">                                        Current Apr Range                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">6.70% to 35.99%<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-4\">\n<div class=\"mkpl-col-name\">                                        Loan Amounts                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">$1,000 to $50,000<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-row\">\n<div class=\"mkpl-product-details cell cell-col-1\">\n<div class=\"mkpl-prod-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&#038;utm_medium=referral&#038;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&#038;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/02\/LendingClub_Personal_Loans-removebg-preview-e1696855208183.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\">LendingClub <\/a><\/div>\n<\/div><\/div>\n<div class=\"mkpl-prod-rating\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">4.5<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/half-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-prod-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via Credible.com\u2019s Website<\/div>\n<\/div><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-2\">\n<div class=\"mkpl-col-name\">                                        Minimum Credit Score                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">600<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-3\">\n<div class=\"mkpl-col-name\">                                        Current Apr Range                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">7.90% to 35.99%<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-4\">\n<div class=\"mkpl-col-name\">                                        Loan Amounts                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">$1,000 to $40,000<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-row\">\n<div class=\"mkpl-product-details cell cell-col-1\">\n<div class=\"mkpl-prod-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&#038;utm_medium=referral&#038;utm_campaign=avant&#038;preferred_lender=avant_pl&#038;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"http:\/\/www.awele.net\/wp-content\/uploads\/2025\/06\/avant-e1627897880316.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\">Avant <\/a><\/div>\n<\/div><\/div>\n<div class=\"mkpl-prod-rating\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">4.5<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/half-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-prod-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via Credible.com\u2019s Website<\/div>\n<\/div><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-2\">\n<div class=\"mkpl-col-name\">                                        Minimum Credit Score                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">550<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-3\">\n<div class=\"mkpl-col-name\">                                        Current Apr Range                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">9.95% to 35.99%<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-4\">\n<div class=\"mkpl-col-name\">                                        Loan Amounts                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">$2,000 to $35,000<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-row\">\n<div class=\"mkpl-product-details cell cell-col-1\">\n<div class=\"mkpl-prod-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&#038;tag.pref_partner=lendingpoint&quot;,&quot;partnerName&quot;:&quot;Even Finance&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"http:\/\/www.awele.net\/wp-content\/uploads\/2025\/06\/26-262308_personal-loan-lendingpoint.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint&quot;,&quot;partnerName&quot;:&quot;Even Finance&quot;}\">LendingPoint <\/a><\/div>\n<\/div><\/div>\n<div class=\"mkpl-prod-rating\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">4.5<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/half-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-prod-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint&quot;,&quot;partnerName&quot;:&quot;Even Finance&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via MoneyLion\u2019s Website<\/div>\n<\/div><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-2\">\n<div class=\"mkpl-col-name\">                                        Minimum Credit Score                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">600 <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-3\">\n<div class=\"mkpl-col-name\">                                        Current Apr Range                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">7.99% to 35.99%  <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-4\">\n<div class=\"mkpl-col-name\">                                        Loan Amounts                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">$1,000 to $36,500<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-row\">\n<div class=\"mkpl-product-details cell cell-col-1\">\n<div class=\"mkpl-prod-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&#038;utm_medium=referral&#038;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&#038;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"http:\/\/www.awele.net\/wp-content\/uploads\/2025\/06\/OneMain-Financial.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\">OneMain Financial <\/a><\/div>\n<\/div><\/div>\n<div class=\"mkpl-prod-rating\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">4.4<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/half-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-prod-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via Credible.com\u2019s Website<\/div>\n<\/div><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-2\">\n<div class=\"mkpl-col-name\">                                        Minimum Credit Score                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">OneMain Financial does not disclose this information <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-3\">\n<div class=\"mkpl-col-name\">                                        Current Apr Range                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">18.00% to 35.99% <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-single-column cell cell-col-4\">\n<div class=\"mkpl-col-name\">                                        Loan Amounts                                    <\/div>\n<div class=\"mkpl-col-value\">\n<div class=\"cell-content primary-font\">$1,500 to $20,000<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"mkpl-desktop-table-container open\" id=\"mkpl-table-container\">\n<div id=\"mkpl-table-main-container\">\n<div id=\"mkpl-table-scroll\" class=\"table-container \">\n<table id=\"mkpl-market-table\" data-mc=\"0\" data-tcc=\"6\" class=\"mkpl-simple_tables table style-1\" data-initial-visible-rows=\"10\" data-expand_table=\"1\" style=\"text-align: left\">\n<tr class=\"thead\" style=\"background-color: #003186 !important\">\n<th style=\"text-align: left\" class=\"primary-font\">\t\t\t\t\tCOMPANY                <\/th>\n<th style=\"text-align: left\" class=\"primary-font\">\t\t\t\t\tFORBES ADVISOR RATING                <\/th>\n<th style=\"text-align: left\" class=\"primary-font\">\t\t\t\t\tMINIMUM CREDIT SCORE                <\/th>\n<th style=\"text-align: left\" class=\"primary-font\">\t\t\t\t\tCURRENT APR RANGE                <\/th>\n<th style=\"text-align: left\" class=\"primary-font\">\t\t\t\t\tLOAN AMOUNTS                <\/th>\n<th style=\"text-align: left\" class=\"primary-font\">\t\t\t\t\tLEARN MORE                <\/th>\n<\/tr>\n<tr style=\"background-color: #F3F5FB\">\n<td class=\" product-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&#038;utm_medium=referral&#038;utm_campaign=upgrade&#038;preferred_lender=upgrade_pl&#038;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"http:\/\/www.awele.net\/wp-content\/uploads\/2025\/06\/Upgrade-rem-bg.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\">Upgrade <\/a><\/div>\n<\/div>\n<\/td>\n<td class=\" ratings\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">5.0<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">620<\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">7.99% to 35.99%<\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">$1,000 to $50,000<\/div>\n<\/td>\n<td class=\" product-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upgrade?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upgrade&amp;preferred_lender=upgrade_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via Credible.com\u2019s Website<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr style=\"background-color: #F3F5FB\">\n<td class=\" product-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&#038;utm_medium=referral&#038;utm_campaign=upstart&#038;preferred_lender=upstart_pl&#038;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"http:\/\/www.awele.net\/wp-content\/uploads\/2025\/06\/Upstart-Holdings-Inc.-UPST.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\">Upstart <\/a><\/div>\n<\/div>\n<\/td>\n<td class=\" ratings\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">4.6<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/half-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">620<\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">6.70% to 35.99%<\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">$1,000 to $50,000<\/div>\n<\/td>\n<td class=\" product-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/upstart?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=upstart&amp;preferred_lender=upstart_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via Credible.com\u2019s Website<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr style=\"background-color: #F3F5FB\">\n<td class=\" product-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&#038;utm_medium=referral&#038;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&#038;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/02\/LendingClub_Personal_Loans-removebg-preview-e1696855208183.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\">LendingClub <\/a><\/div>\n<\/div>\n<\/td>\n<td class=\" ratings\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">4.5<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/half-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">600<\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">7.90% to 35.99%<\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">$1,000 to $40,000<\/div>\n<\/td>\n<td class=\" product-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-bad-credit\/?lendingclub&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via Credible.com\u2019s Website<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr style=\"background-color: #F3F5FB\">\n<td class=\" product-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&#038;utm_medium=referral&#038;utm_campaign=avant&#038;preferred_lender=avant_pl&#038;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"http:\/\/www.awele.net\/wp-content\/uploads\/2025\/06\/avant-e1627897880316.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\">Avant <\/a><\/div>\n<\/div>\n<\/td>\n<td class=\" ratings\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">4.5<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/half-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">550<\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">9.95% to 35.99%<\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">$2,000 to $35,000<\/div>\n<\/td>\n<td class=\" product-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/lp\/avant?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=avant&amp;preferred_lender=avant_pl&amp;utm_content=&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via Credible.com\u2019s Website<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr style=\"background-color: #F3F5FB\">\n<td class=\" product-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&#038;tag.pref_partner=lendingpoint&quot;,&quot;partnerName&quot;:&quot;Even Finance&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"http:\/\/www.awele.net\/wp-content\/uploads\/2025\/06\/26-262308_personal-loan-lendingpoint.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint&quot;,&quot;partnerName&quot;:&quot;Even Finance&quot;}\">LendingPoint <\/a><\/div>\n<\/div>\n<\/td>\n<td class=\" ratings\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">4.5<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/half-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">600 <\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">7.99% to 35.99%  <\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">$1,000 to $36,500<\/div>\n<\/td>\n<td class=\" product-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/fiona.com\/partner\/forbes-pp-loans\/loans?preferred_offer_partner=a3ac7be1-dc8d-4f73-a417-d381e851a3d3&amp;tag.pref_partner=lendingpoint&quot;,&quot;partnerName&quot;:&quot;Even Finance&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via MoneyLion\u2019s Website<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr style=\"background-color: #F3F5FB\">\n<td class=\" product-image\">\n<div class=\"mkpl-product-container\">\n<div class=\"mkpl-product-image-container\"><a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Image Link&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&#038;utm_medium=referral&#038;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&#038;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"mkpl-product-image lazyload\" alt=\" \" data-src=\"http:\/\/www.awele.net\/wp-content\/uploads\/2025\/06\/OneMain-Financial.png\"><\/a><\/div>\n<div class=\"mkpl-product-name primary-font\"><a href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" class=\"primary-font\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot; &quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\">OneMain Financial <\/a><\/div>\n<\/div>\n<\/td>\n<td class=\" ratings\">\n<div class=\"mkpl-product-rating-container mkpl-tooltip-trigger\" data-tooltip-text=\"Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.\">\n<div class=\"mkpl-logo-container\">\t\t\t\t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo desktop-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Desktop Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">            \t<img decoding=\"async\" class=\"mkpl-rating-vertical-logo mobile-logo lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Forbes Advisor Mobile Logo\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg\">\t\t\t\t\t\t<\/div>\n<div class=\"mkpl-product-rating\">\n<div class=\"mkpl-product-rating-txt primary-font\">4.4<\/div>\n<div class=\"mkpl-star-rating-container\">\n<div class=\"mkpl-rating-stars\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/half-star.svg\"><\/div>\n<\/div>\n<div class=\"mkpl-product-rating-tooltip\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload\" data-src=\"https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">OneMain Financial does not disclose this information <\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">18.00% to 35.99% <\/div>\n<\/td>\n<td class=\" wysiwyg-editor\">\n<div class=\"cell-content primary-font\">$1,500 to $20,000<\/div>\n<\/td>\n<td class=\" product-cta\">\n<div class=\"mkpl-product-cta-container advisor\">\n<div><a class=\"mkpl-product-cta-button  mkpl-cta-type-green primary-font\" href=\"https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value\" rel=\"nofollow\" target=\"_blank\" data-ecom-conversion=\"{&quot;clickText&quot;:&quot;Compare Rates&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.credible.com\/personal-loan\/?utm_source=forbes&amp;utm_medium=referral&amp;utm_campaign=https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans-for-debt-consolidation\/?onemainfinancial&amp;utm_content=Forbes_TID_value&quot;,&quot;partnerName&quot;:&quot;Credible&quot;}\"><span class=\"primary-font\">Compare Rates<\/span><\/a><\/div>\n<div class=\"mkpl-cta-subtext primary-font\">Via Credible.com\u2019s Website<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/table>\n<div class=\"mkpl-table-navigation-arrows\">                    <button type=\"button\" id=\"left-arrow\" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Left&quot;,&quot;clickType&quot;:&quot;Button&quot;,&quot;referenceText&quot;:&quot;&quot;}\">                        <img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Left Arrow\" class=\"lazyload\" 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data-src=\"image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41\/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9\/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC\">                    <\/button>                <\/div>\n<\/p><\/div>\n<p>                        <button type=\"button\" class=\"primary-font\" id=\"seeMoreBtn\" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;See More&quot;,&quot;clickType&quot;:&quot;Button&quot;,&quot;referenceText&quot;:&quot;&quot;}\">See More<\/button>            <button type=\"button\" class=\"primary-font\" id=\"seeLessBtn\" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;See Less&quot;,&quot;clickType&quot;:&quot;Button&quot;,&quot;referenceText&quot;:&quot;&quot;}\">See Less<\/button>        <\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- \/fadv:ignore-wpautop --><\/p>\n<h2 id=\"tips_for_comparing_emergency_loans_for_bad_credit\" class=\"section-title article-section\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Tips for Comparing Emergency Loans for Bad Credit&quot;,&quot;componentType&quot;:&quot;Section Titles&quot;}\">Tips for Comparing Emergency Loans for Bad Credit<\/h2>\n<p>As you compare <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;emergency loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>emergency loans<\/a><\/span> for bad credit:<\/p>\n<ul>\n<li><strong>Review your credit score. <\/strong>Knowing your credit score can help you find loans you\u2019ll qualify for. You can get free annual credit reports from AnnualCreditReport.com.<\/li>\n<li><strong>Check interest rates. <\/strong>If you have bad credit and need cash quickly, you\u2019ll likely be offered loans with a higher interest rate, compared to a more qualified applicant. Research and compare different APRs\u2014taking into account the interest rate and any fees\u2014from various lenders to get the best rate possible.<\/li>\n<li><strong>Read the terms and conditions. <\/strong>Understand the terms and conditions before agreeing to any loan, especially if it\u2019s an emergency loan. It can be tempting to rush through the lending process to get funds quickly, but knowing the conditions can keep you from accepting a loan that\u2019s difficult to repay.<\/li>\n<li><strong>Compare repayment terms. <\/strong>The shorter the <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;loan term&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>loan term<\/a><\/span>, or time you have to repay the loan, the higher the monthly payment. Consider the repayment terms available from each lender to find one that aligns with your budget, keeping in mind that many emergency loans come with abbreviated terms.<\/li>\n<li><strong>Research lenders. <\/strong>Read reviews and customer feedback about any lender you\u2019re considering. This can help you determine which lenders are trustworthy and provide the best overall customer experience\u2014and which are well-suited to less-qualified borrowers.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\">Complete Guide To Bad Credit Emergency Loans<\/h2>\n<ul>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;What Is an Emergency Loan?&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>What Is an Emergency Loan?<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Can You Get an Emergency Loan With Bad Credit?&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Can You Get an Emergency Loan With Bad Credit?<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Pros and Cons of Emergency Loans for Bad Credit&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Pros and Cons of Emergency Loans for Bad Credit<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;How To Get an Emergency Loan With Bad Credit?&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>How To Get an Emergency Loan With Bad Credit?<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Where Can I Get an Emergency Loan With Bad Credit?&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Where Can I Get an Emergency Loan With Bad Credit?<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;4 Alternatives To Bad Credit Emergency Loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>4 Alternatives To Bad Credit Emergency Loans<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Methodology&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Methodology<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Next Up In Personal Loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Next Up In Personal Loans<\/a><\/span><\/li>\n<\/ul>\n<h2 id=\"what_is_an_emergency_loan\" class=\"section-title article-section\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;What Is an Emergency Loan?&quot;,&quot;componentType&quot;:&quot;Section Titles&quot;}\">What Is an Emergency Loan?<\/h2>\n<p>An emergency loan is a personal loan designed to help you cover unexpected expenses or costs. Personal loan amounts often range from $1,000 to $100,000, with interest rates up to around 36%. Applying for an emergency loan typically involves a credit check, making it difficult for applicants with <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;bad credit to qualify for a loan&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>bad credit to qualify for a loan<\/a><\/span>.<\/p>\n<p>If you have bad credit, there may still be options available to you. Many lenders offer emergency loans specifically designed to provide financial assistance for those with poor or no credit history. That said, you\u2019ll likely be offered high interest rates and less attractive terms than those on the <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;best personal loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>best personal loans<\/a><\/span>.<\/p>\n<\/p>\n<h2 id=\"can_you_get_an_emergency_loan_with_bad_credit\" class=\"section-title article-section\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Can You Get an Emergency Loan With Bad Credit?&quot;,&quot;componentType&quot;:&quot;Section Titles&quot;}\">Can You Get an Emergency Loan With Bad Credit?<\/h2>\n<p>You can get an emergency loan with bad credit, but it may be more difficult to qualify, and you&#8217;ll likely face high borrowing costs and short repayment terms. Traditional lenders, such as banks and credit unions, may hesitate to issue you a loan if you have a low credit score. Your approval odds may improve if you have an existing relationship with the institution.<\/p>\n<p>Some lenders offer emergency loans specifically to consumers with poor credit, but research your options before making a decision. Alternative options, such as <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;payday loans and cash advance apps&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>payday loans and cash advance apps<\/a><\/span>, may offer more lenient requirements for loan approval but come with additional risks.<\/p>\n<\/p>\n<h2 id=\"pros_and_cons_of_emergency_loans_for_bad_credit\" class=\"section-title article-section\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Pros and Cons of Emergency Loans for Bad Credit&quot;,&quot;componentType&quot;:&quot;Section Titles&quot;}\">Pros and Cons of Emergency Loans for Bad Credit<\/h2>\n<p>As you consider different funding options to cover a temporary financial need, consider the pros and cons of emergency loans for bad credit.<\/p>\n<h3 class=\"wp-block-heading\">Pros<\/h3>\n<ul>\n<li><strong>Quick access to funds.<\/strong> Emergency loans are designed to provide borrowers with fast access to cash. These lenders often have streamlined application processes and quicker approval times compared to traditional loans, allowing you to receive funds within hours or days.<\/li>\n<li><strong>Flexible loan amounts.<\/strong> Many lenders offering emergency loans cater to a range of financial needs, allowing borrowers to choose the right loan amount for their situation.<\/li>\n<li><strong>Low credit score requirements.<\/strong> Lenders specializing in emergency loans for borrowers with bad credit often have less stringent credit requirements. This lets individuals with less-than-stellar credit bridge financial gaps when emergencies arise.<\/li>\n<li><strong>Opportunity to improve your credit score.<\/strong> By making consistent, on-time payments, you\u2019ll add positive marks to your credit history, demonstrating to future lenders your improved creditworthiness. This can open the door for better loan options in the future.<\/li>\n<li><strong>Lower interest rates than other options.<\/strong> While emergency loans generally carry higher interest rates than conventional loans, they might still be more affordable than other high-cost borrowing options, such as payday loans or credit card cash advances.<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\">Cons<\/h3>\n<ul>\n<li><strong>Higher interest rates.<\/strong> Emergency loans frequently come with higher interest rates than traditional loans. This can make repayment costly.&nbsp;<\/li>\n<li><strong>Shorter repayment terms.<\/strong> Many emergency loans are structured with shorter repayment periods, which can result in high monthly payments. A lack of manageable repayment options can increase the likelihood of missed payments, potentially resulting in additional fees or penalties.<\/li>\n<li><strong>Potential for debt cycle.<\/strong> Convenience and quick access to funds may encourage some borrowers to rely on emergency loans repeatedly during financial hardships. This dependence can create a cycle of debt where borrowers continually take out new loans to pay off existing ones.<\/li>\n<li><strong>Limited loan amounts.<\/strong> Some lenders offer flexible loan amounts, but emergency loans for bad credit often have lower borrowing limits. These lower borrowing amounts may not be enough to cover significant emergencies, potentially requiring multiple loans.&nbsp;<\/li>\n<li><strong>Risk of predatory lenders.<\/strong> The demand for emergency loans among consumers with bad credit is viewed as an opportunity for predatory lending practices. Predatory lenders exploit vulnerable borrowers through exorbitant fees, hidden loan terms or unfair lending practices.<\/li>\n<\/ul>\n<h2 id=\"where_can_i_get_an_emergency_loan_with_bad_credit\" class=\"section-title article-section\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Where Can I Get an Emergency Loan With Bad Credit?&quot;,&quot;componentType&quot;:&quot;Section Titles&quot;}\">Where Can I Get an Emergency Loan With Bad Credit?<\/h2>\n<p>Depending on your other qualifications, you may be able to take out an emergency loan from a bank, credit union or online lender\u2014even with a bad credit score. Here\u2019s where you can <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;apply for an emergency loan&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>apply for an emergency loan<\/a><\/span> with bad credit and what you can expect from each:<\/p>\n<h3 class=\"wp-block-heading\">1. Banks<\/h3>\n<p>Most banks require consumers to have a minimum credit score of at least 670 to qualify for a personal loan. However, some offer loans to customers with scores below that threshold, and many allow you to <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;prequalify for personal loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>prequalify for personal loans<\/a><\/span> without impacting your credit score.<\/p>\n<p>Interest rates on <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;bank personal loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>bank personal loans<\/a><\/span> typically start around 6% and maximum interest rates may be lower than those from online lenders. If you have a relationship with a bank, contact a loan officer to learn more about your options, approval odds and likely interest rates.<\/p>\n<h3 class=\"wp-block-heading\">2. Credit Unions<\/h3>\n<p>Credit union qualification requirements vary by institution, with many <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;loans from credit unions&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>loans from credit unions<\/a><\/span> having more lenient emergency loan qualifications. Because credit unions are often community-oriented, they may look at your loan application more holistically than larger banks. <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Payday alternative loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Payday alternative loans<\/a><\/span> are one option that credit unions offer to borrowers needing a small loan.<\/p>\n<p>Having an existing relationship with a local credit union can make it easier to qualify for funds in an emergency. Interest rates are often more favorable than those available from online and alternative lenders\u2014federal credit unions cap annual percentage rates (APRs) at 18%.<\/p>\n<h3 class=\"wp-block-heading\">3. Online Lenders<\/h3>\n<p>Online lenders have emerged as an alternative to traditional financial institutions that can be especially helpful if you have a bad credit score. You typically need a minimum score of 580 to qualify for a loan with an <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;online lender&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>online lender<\/a><\/span>.<\/p>\n<p>As with traditional lenders, some platforms specialize in bad credit borrowers, and some don\u2019t require borrowers to have a score at all. Interest rates for these types of loans are generally higher than traditional loans, with rates up to 36%. Compared to conventional financial institutions, online lenders may have higher rates, but they also offer faster access to funds and a more lenient credit approval process.<\/p>\n<\/p>\n<h2 id=\"how_to_get_an_emergency_loan_with_bad_credit\" class=\"section-title article-section\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;How To Get an Emergency Loan With Bad Credit&quot;,&quot;componentType&quot;:&quot;Section Titles&quot;}\">How To Get an Emergency Loan With Bad Credit<\/h2>\n<p>Covering unexpected expenses can be difficult, especially when you have bad credit. Regardless of your credit history, there are options available.<\/p>\n<ol>\n<li><strong>Find the right lender. <\/strong>In order to get an emergency loan with bad credit, you\u2019ll need to find lenders that work with borrowers with bad credit. Be aware, though, that some of these lenders, like <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;payday loan&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>payday loan<\/a><\/span> and <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;guaranteed loan&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>guaranteed loan<\/a><\/span> lenders, might offer loans with exorbitant fees that can be difficult to repay.<\/li>\n<li><strong>Prequalify. <\/strong>If you have bad credit, it may be hard to qualify for a loan. By getting prequalified, you can see if you\u2019d be approved for a loan without impacting your credit.&nbsp;<\/li>\n<li><strong>Find a co-signer. <\/strong>Applying with a co-signer can increase your approval odds. A co-signer is someone with a good credit score who agrees to take responsibility for the loan if you default, decreasing the lender\u2019s risk.<\/li>\n<\/ol>\n<div class=\"pro-tip pro-tip-wrapper exclude-eds\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;&quot;,&quot;componentType&quot;:&quot;Pro Tip&quot;}\">\n<div class=\"pro-tip__heading\">\n        <span class=\"icon\"><\/span><br \/>\n        <span class=\"text label\">Pro Tip<\/span>\n    <\/div>\n<div class=\"pro-tip__content\">\n<p>If you decide to apply for a loan with a co-signer, the ideal co-signer is someone with good credit or a FICO Score of 670 or higher. Having a co-signer with strong credit increases your approval odds and chances of qualifying for a loan with a low-interest rate.<\/p>\n<\/div>\n<\/div>\n<h2 id=\"alternatives_to_bad_credit_emergency_loans\" class=\"section-title article-section\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;4 Alternatives to Bad Credit Emergency Loans&quot;,&quot;componentType&quot;:&quot;Section Titles&quot;}\">4 Alternatives to Bad Credit Emergency Loans<\/h2>\n<p>It\u2019s possible to qualify for an emergency loan with bad credit, but there are a few other options that may better meet your needs. Here are popular alternatives to bad credit emergency loans:<\/p>\n<h3 class=\"wp-block-heading\">1. Credit Cards<\/h3>\n<p>Credit cards can provide continual access to funds without a lengthy application process. This can be especially beneficial if unexpected expenses arise, as you can quickly and conveniently access credit. Interest rates may be as high as 25% to 30%, with less-qualified applicants getting the highest rates.<\/p>\n<p>Using a credit card to cover expenses can lead to overborrowing if you aren\u2019t careful. If you plan on using a credit card to cover unexpected expenses, make a plan for paying off the debt you accumulate so you don\u2019t borrow more money than you can repay.<\/p>\n<h3 class=\"wp-block-heading\">2. Cash Advance<\/h3>\n<p>A cash advance is a type of short-term loan designed to provide fast cash in a financial emergency. These advances are typically less than $500. Although cash advances can be beneficial in an emergency, you should only use them as a last resort due to their high interest rates and fees.<\/p>\n<h3 class=\"wp-block-heading\">3. 401(k) Loans<\/h3>\n<p>A <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;401(k) loan&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>401(k) loan<\/a><\/span> is a type of loan that allows you to borrow from the funds available in your retirement account. With one of these loans, you borrow against your savings and the payments go back into your 401(k) account. The process can take anywhere from one or two days to several weeks.<\/p>\n<p>Generally, a 401(k) loan is best if you have no other possible means of financing an emergency and have ample time to repay the loan without depleting your long-term retirement savings.<\/p>\n<h3 class=\"wp-block-heading\">4. Friends and Family<\/h3>\n<p>When you need emergency financial assistance, it\u2019s worth considering if friends or family could lend you money. Borrowing from people you trust can alleviate the pressure of repaying high-interest loans, and you can get financial support without going through a credit check.<\/p>\n<p>It\u2019s crucial to prioritize repaying the loan to avoid damaging relationships, and before money is exchanged, create a contract so there is mutual understanding on when the loan will be repaid.<\/p>\n<\/p>\n<h2 id=\"methodology\" class=\"section-title article-section\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Methodology&quot;,&quot;componentType&quot;:&quot;Section Titles&quot;}\">Methodology<\/h2>\n<p>We reviewed 31 popular lenders based on 16 data points in the categories of loan details, loan costs, eligibility and accessibility, customer experience and the application process. We chose the best lenders based on the weighting assigned to each category:<\/p>\n<ul>\n<li><strong>Application process.<\/strong> 30%<\/li>\n<li><strong>Eligibility and accessibility.<\/strong> 30%<\/li>\n<li><strong>Loan details.<\/strong> 20%<\/li>\n<li><strong>Loan cost.<\/strong> 10%<\/li>\n<li><strong>Customer experience.<\/strong> 10%<\/li>\n<\/ul>\n<p>Within each major category, we also considered several characteristics, including available loan amounts, repayment terms, APR ranges and applicable fees. We also looked at minimum credit score requirements, whether each lender accepts co-signers or joint applications and the geographic availability of the lender. Finally, we evaluated each provider\u2019s customer support tools, borrower perks and features that simplify the borrowing process\u2014like prequalification options and mobile apps.<\/p>\n<p>Where appropriate, we awarded partial points depending on how well a lender met each criterion.<\/p>\n<p>To learn more about how Forbes Advisor rates lenders, and our editorial process, check out our <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Personal Loans Rating &amp; Review Methodology&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Personal Loans Rating &amp; Review Methodology<\/a><\/span>.<\/p>\n<div id=\"cta-builder\" class=\"cta-builder exclude-eds default dark-mode\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Find the Best Personal Loans of 2025&quot;,&quot;componentType&quot;:&quot;CTA Builder&quot;}\">\n<div class=\"cta-builder__wrap \" data-ecom-product=\"{&quot;itemId&quot;:&quot;&quot;,&quot;itemName&quot;:&quot;Find the Best Personal Loans of 2025&quot;,&quot;itemBrand&quot;:&quot;&quot;,&quot;itemCategory&quot;:&quot;Personal Loans&quot;,&quot;itemCategory2&quot;:&quot;&quot;,&quot;itemCategory3&quot;:&quot;&quot;,&quot;itemCategory4&quot;:&quot;&quot;,&quot;price&quot;:0,&quot;quantity&quot;:1,&quot;affiliation&quot;:&quot;&quot;,&quot;coupon&quot;:&quot;&quot;,&quot;secondaryCallout&quot;:&quot;&quot;,&quot;initialCost&quot;:0,&quot;subscriptionCost&quot;:0}\">\n<div class=\"left\">\n<h2 class=\"cta-builder__title\">Find the Best Personal Loans of 2025<\/h2>\n<p class=\"cta-builder__desc\">\n<\/div>\n<div class=\"right\">\n\t\t\t<a href=\"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans\/\" class=\"cta-builder__btn cta-builder-button\" data-nofollow=\"false\" data-component=\"Default with Blue Background\" data-cta-placement=\"Button Link\" style=\"background-color:#13B698\" data-trellis-widget-wrapper-id=\"68591957a79ef\" data-ecom-link=\"{&quot;clickText&quot;:&quot;Learn More&quot;,&quot;clickCat&quot;:&quot;Primary&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans\/&quot;,&quot;clickType&quot;:&quot;internal&quot;}\"><br \/>\n\t\t\t\t<span>Learn More<\/span><br \/>\n\t\t\t<\/a>\n\t\t<\/div>\n<\/div>\n<\/div>\n<div class=\"faq-section article-section\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Frequently Asked Questions (FAQs)&quot;,&quot;componentType&quot;:&quot;Faq Blocks&quot;}\">\n<div class=\"faq-wrapper\">\n<h2 class=\"title shared-blocks-title\">Frequently Asked Questions (FAQs)<\/h2>\n<div class=\"main-faqs\">\n<div class=\"faqs\">\n<div class=\"faq-question\" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;What credit score is needed for an emergency loan with bad credit?&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Frequently Asked Questions (FAQs)&quot;}\">\n<div class=\"plus-minus\">\n<p><\/p><\/div>\n<h3 class=\"question-text\">What credit score is needed for an emergency loan with bad credit?<\/h3>\n<\/div>\n<div class=\"faq-answer wysiwyg-content\">\n<p>The credit score needed for an emergency loan with bad credit varies by lender, but typically, scores of 580 or higher are considered. Some lenders may accept scores as low as 300 or focus more heavily on income and other factors. Check specific lender criteria to evaluate your approval odds before undergoing a hard credit inquiry.<\/p>\n<\/div>\n<\/div>\n<div class=\"faqs\">\n<div class=\"faq-question\" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;How much will it cost to get an emergency loan with bad credit?&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Frequently Asked Questions (FAQs)&quot;}\">\n<div class=\"plus-minus\">\n<p><\/p><\/div>\n<h3 class=\"question-text\">How much will it cost to get an emergency loan with bad credit?<\/h3>\n<\/div>\n<div class=\"faq-answer wysiwyg-content\">\n<p>The cost to get an emergency loan with bad credit depends on the lender, loan amount, repayment terms and fees. Borrowers may encounter interest rates from 15% to 36% and origination fees up to 12% of the loan amount. A <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;personal loan calculator&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>personal loan calculator<\/a><\/span> can help you estimate the total repayment amount before committing to a loan.<\/p>\n<\/div>\n<\/div>\n<div class=\"faqs\">\n<div class=\"faq-question\" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;How long does it take to get an emergency loan with bad credit?&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Frequently Asked Questions (FAQs)&quot;}\">\n<div class=\"plus-minus\">\n<p><\/p><\/div>\n<h3 class=\"question-text\">How long does it take to get an emergency loan with bad credit?<\/h3>\n<\/div>\n<div class=\"faq-answer wysiwyg-content\">\n<p>While timelines vary by lender, emergency loan applications can be completed in a few minutes online, and funds may be disbursed the same day or a few days after approval. Approval times depend on documentation, verification requirements and disbursement method.<\/p>\n<\/div>\n<\/div>\n<div class=\"faqs\">\n<div class=\"faq-question\" data-ecom-misc-click=\"{&quot;clickText&quot;:&quot;Does getting an emergency loan with bad credit affect your credit score?&quot;,&quot;clickType&quot;:&quot;Accordion&quot;,&quot;referenceText&quot;:&quot;Frequently Asked Questions (FAQs)&quot;}\">\n<div class=\"plus-minus\">\n<p><\/p><\/div>\n<h3 class=\"question-text\">Does getting an emergency loan with bad credit affect your credit score?<\/h3>\n<\/div>\n<div class=\"faq-answer wysiwyg-content\">\n<p>Getting an emergency loan with bad credit can result in a hard credit inquiry, which can cause a temporary dip in your score. However, consistent, on-time payments can boost your credit score over time. Missed payments or high levels of debt can cause your credit score to drop.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\">Next Up In Personal Loans<\/h2>\n<ul>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best Personal Loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-personal-loans\/\" target=\"_blank\">Best Personal Loans<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best Debt Consolidation Loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.forbes.com\/advisor\/personal-loans\/debt-consolidation-loans\/\" target=\"_blank\">Best Debt Consolidation Loans<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best Emergency Loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-emergency-loans\/\" target=\"_blank\">Best Emergency Loans<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best Unemployment Emergency Loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.forbes.com\/advisor\/personal-loans\/unemployment-emergency-loans\/\" target=\"_blank\">Best Unemployment Emergency Loans<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best Fast Personal Loans&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.forbes.com\/advisor\/personal-loans\/best-fast-personal-loans\/\" target=\"_blank\">Best Fast Personal Loans<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Easiest Personal Loans To Get&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.forbes.com\/advisor\/personal-loans\/easiest-personal-loans-to-get\/\" target=\"_blank\">Easiest Personal Loans To Get<\/a><\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Why you can trust Forbes Advisor Our editorial team has over 20 years of cumulative experience and relies on research and data-driven methodologies to provide unbiased ratings for emergency loans for bad credit. Advertisers do not and cannot influence our ratings. You can read more about our editorial guidelines and the loans methodology below. 31 nationwide lenders researched 16 data points evaluated and scored Lenders re-evaluated every month Best Emergency Loans for Bad Credit of 2025 Best Bad Credit Emergency Loan for Flexible Requirements Upgrade 5.0 Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team. Minimum Credit Score 620 APR range Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade&#8217;s bank partners. Information on Upgrade&#8217;s bank partners can be found at https:\/\/www.upgrade.com\/bank-partners\/. 7.99% to 35.99% Loan amounts $1,000 to $50,000 Compare Rates Via Credible.com&#8217;s Website 620 Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade&#8217;s bank partners. Information on Upgrade&#8217;s bank partners can be found at https:\/\/www.upgrade.com\/bank-partners\/. 7.99% to 35.99% $1,000 to $50,000 Editor&#8217;s Take Upgrade offers loans with quick funding turnarounds and a low minimum credit score requirement. Why We Like It In addition to setting a minimum credit score requirement of 620, Upgrade has two- to seven-year repayment terms and there is no prepayment penalty. What We Don\u2019t Like Upgrade charges an origination fee between 1.85% and 9.99% of the loan amount, and there are no interest rate discounts for autopay. Who It\u2019s Best For Upgrade personal loans are best for borrowers who want quick access to funding with flexible requirements. Consumer Sentiment Index 5.4 5.4\/10 Consumer Score The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. Consumer Sentiment Index 5,884 How do we calculate We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 Insights Analyzed # Interest Rates and Fees For Interest Rates and Fees 54% of people had positive sentiments 10% of people had neutral sentiments 36% of people had negative sentiments 54% 10% 36% For Interest Rates and Fees 54% of people had positive sentiments 10% of people had neutral sentiments 36% of people had negative sentiments # Customer Service For Customer Service 67% of people had positive sentiments 3% of people had neutral sentiments 30% of people had negative sentiments 67% 3% 30% For Customer Service 67% of people had positive sentiments 3% of people had neutral sentiments 30% of people had negative sentiments # Loan Terms and Flexibility For Loan Terms and Flexibility 74% of people had positive sentiments 10% of people had neutral sentiments 16% of people had negative sentiments 74% 10% 16% For Loan Terms and Flexibility 74% of people had positive sentiments 10% of people had neutral sentiments 16% of people had negative sentiments # Ease of Approval and Process For Ease of Approval and Process 94% of people had positive sentiments 2% of people had neutral sentiments 4% of people had negative sentiments 94% 2% 4% For Ease of Approval and Process 94% of people had positive sentiments 2% of people had neutral sentiments 4% of people had negative sentiments Upgrade customers report mixed experiences with its personal loan offerings. Some wins that jump out include the streamlined application process, easy approval and quick funding. But their experiences were not perfect. Some users are dissatisfied with the high APRs and loan fees that make working with Upstart costly. Pros &amp; Cons Fair credit accepted Rate discounts for using autopay and for using loans to pay off existing debt Free credit health monitoring Origination fees Potentially high interest rates Details Eligibility Minimum credit score: 620620 Co-applicants: Permitted Direct pays third-party creditors: Yes Customer service We called Upgrade to gauge the responsiveness of its customer service team and found it to be one of the most responsive lenders on our list. While we waited just over one minute for their team to answer our call\u2014which is not the fastest time\u2014they were transparent and knowledgeable about Upgrade\u2019s loans. We received information on loan amounts, required documentation, interest rate ranges, approval speed, fees and various perks, like hardship programs and autopay discounts. The representative also confirmed that they report payments to credit bureaus. Disclosure Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed-rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade&#8217;s bank partners. Information on Upgrade&#8217;s bank partners can be found at https:\/\/www.upgrade.com\/bank-partners\/. Best Bad Credit Emergency Loan for Limited Credit History Upstart 4.6 Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team. Minimum Credit Score 620 APR range 6.70% to 35.99% Loan amounts $1,000 to $50,000 Compare Rates Via Credible.com&#8217;s Website 620 6.70% to 35.99% $1,000 to $50,000 Editor&#8217;s Take Upstart evaluates applicants using non-traditional qualification requirements, making it an accessible option for those with a limited credit history. Why We Like It Upstart sets a minimum credit score requirement of 620 and accepts borrowers who don\u2019t have enough credit to generate a credit score. What We Don\u2019t Like Upstart offers more limited repayment terms than other lenders\u2014three to five years\u2014and origination fees may be as much as up to 12% of the loan amount. Who It\u2019s Best For Upstart personal loans are best for applicants with thin credit who might struggle to get approved elsewhere. Consumer Sentiment Index 3.4 3.4\/10 Consumer Score The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale. Consumer Sentiment Index 2,077 How do we calculate We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5 Insights Analyzed # Interest Rates and Fees For Interest Rates and Fees 28% of people had positive sentiments 14% of people had neutral sentiments 58% of people had negative sentiments 28% 14% 58% For Interest Rates and Fees 28% of people had positive sentiments 14% of people had neutral sentiments 58% of people had negative sentiments # Customer Service For Customer Service 10% of people had positive sentiments 3% of people had neutral sentiments 87% of people had negative sentiments 10% 3% 87% For Customer Service 10% of people had positive sentiments 3% of people had neutral sentiments 87% of people had negative sentiments # Loan Terms and Flexibility For Loan Terms and Flexibility 56% of people had positive sentiments 16% of people had neutral sentiments 28% of people had negative sentiments 56% 16% 28% For Loan Terms and Flexibility 56% of people had positive sentiments 16% of people had neutral sentiments 28% of people had negative sentiments # Ease of Approval and Process For Ease of Approval and Process 66% of people had positive sentiments 8% of people had neutral sentiments 26% of people had negative sentiments 66% 8% 26% For Ease of Approval and Process 66% of people had positive sentiments 8% of people had neutral sentiments 26% of people had negative sentiments Upstart borrowers express frustration with high interest rates and origination fees that increase the cost of borrowing. While borrowers found Upstart\u2019s borrowing process simple and quick, others reported issues with customer service, communication and lending practices. Pros &amp; Cons Accessible to borrowers with no credit history Prequalification with a soft credit check Ability to choose a custom payment date Charges an origination fee up to 12% of the loan amount No co-signer option Only offers three- or five-years terms Details Eligibility Minimum credit score. 620 Minimum income. No minimum but must have a source of income Co-signers. Not permitted Co-borrowers. Not permitted Customer service We tested Upstart\u2019s customer service quality to evaluate its helpfulness. Through our research, we found Upstart\u2019s team was one of the fastest to answer, as we waited only 39 seconds. However, once connected, the representative was vague. While they disclosed general loan details like loan amounts, fees and interest rate ranges, they were unclear about documentation requirements and approval times. Best Bad Credit Emergency Loan for Co-borrowers LendingClub 4.5 Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team. Minimum Credit Score 600 APR range 7.90% to 35.99% Loan amounts $1,000 to $40,000 Compare Rates Via Credible.com&#8217;s Website 600 7.90% to 35.99% $1,000 to&#8230;<\/p>\n","protected":false},"author":1,"featured_media":306,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisor"],"_links":{"self":[{"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/posts\/327","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/comments?post=327"}],"version-history":[{"count":3,"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/posts\/327\/revisions"}],"predecessor-version":[{"id":331,"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/posts\/327\/revisions\/331"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/media\/306"}],"wp:attachment":[{"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/media?parent=327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/categories?post=327"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.awele.net\/index.php\/wp-json\/wp\/v2\/tags?post=327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}