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Get a $1,000 loan

Compare personal loans and installment loans for applicants with good, bad or no credit.

Not all lenders offer $1,000 loans, but there are a handful of options for all credit types — even if you have no credit score at all. We compared over 260 personal loan providers, payday lenders and connection services to help you find the right $1,000 loan for your needs.

8 lenders that offer $1,000 loans for bad credit or no credit

These personal and installment loan providers offer $1,000 loans to people with credit scores below 580. With Stilt and Boro, you don’t need a credit score to qualify — even if you have no credit profile.

But watch out for high interest rates on installment loans, which can top 300% in some cases.

ProviderRequirementsBest forFinder rating
Net Credit
  • Varies depending on your state of residence.
  • Depending on your state of residence, your personal loan might not be offered by NetCredit but through its partner lender, Republic Bank & Trust Company, Member FDIC.
Credit scores under 550★★★★★
Go to site
  • Credit score of 450+
  • Legal US resident
  • Age 18+
Comparing personal loans★★★★★
Go to site
  • College student or recent graduate
  • Live in an eligible state
  • 18+ years old
College students with no cosigner
Not yet rated
Go to site
  • Be employed
  • Have a US bank account
  • Live in a state where Stilt operates
  • Hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
Nonresidents and recent immigrants★★★★★
  • Steady source of income
  • Verifiable bank account
  • US citizen or permanent resident
  • At least 18 years old
Finding a loan with an interest rate under 36%★★★★★
Go to site
  • Direct deposit
  • Meet minimum income requirements
  • Live in eligible state
Installment loans that can improve your credit★★★★★
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  • Regular source of income
  • Verifiable bank account
  • US citizen, Ages 18+
Comparing payday and installment loans
Not yet rated
Go to site
  • Must be a MoneyLion Plus member
  • Have a job that pays with direct deposit
  • A checking account with a positive balance
  • A verifiable identity
  • Proof of ability to repay
  • Live in an eligible state.
Repeat borrowers★★★★★ Read more

7 lenders that offer $1,000 loans for good and fair credit

These providers offer $1,000 loans to people with credit scores above 580. Generally, the higher your credit score, the lower the rate you’ll qualify for.

ProviderMin. credit scoreAPRFinder rating
Upstart5.4% to 35.99%★★★★★
Go to site
Upgrade6005.94% to 35.97%★★★★★
Go to site
LendingClub6006.34% to 35.89%★★★★★
Go to site
Credible5803.99% to 35.99%★★★★★
Fiona6704.75% to 35.99%★★★★★
Go to site
PNC BankNot stated6.39% to 28.74%★★★★★ Read more
Laurel Road6807% to 23.25%★★★★★ Read more

5 steps to get a $1,000 loan

  1. Make sure you’re eligible. Lenders look at factors like where you live and your income when you apply for a loan.
  2. Compare lenders. Use the table below to find a lender that offers $1,000 loans you can qualify for.
  3. Apply. Found a lender you like? Choose the Go to Site button on our table to get started on the application.
  4. Review your offer. Lenders will contact you within a few minutes with an offer if you’re approved. Read carefully before signing anything.
  5. Get your $1,000. Typically, your money is deposited into your account as soon as one business day.

Calculate how much your loan will cost

How much your loan costs depends on the APR and the loan term.

Installment loans might work with bad credit borrowers, but they’re expensive. It’s common for rates to top 100% and usually you have between three and 12 months to repay an installment loan. A shorter loan term might give you higher monthly repayments, but it’ll help you save on interest.

Use our calculator below to figure out how much a $1,000 loan will cost you.

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4 ways to borrow $1,000 with a score below 580

If your FICO score is below 580, consider the following options to get the money you need:

  1. Personal loan providers — 36% max APR, 2- to 7-year terms
    Some lenders specialize in bad credit, and if you qualify, this is often the least expensive option for a loan.
  2. Credit unions — 28% max APR, 1- to 6-month terms
    If you’re willing to become a member, federal credit unions sometimes offer payday alternative loans as high as $1,000
  3. Installment loan providers — 300%+ APR, 3- to 18-month terms
    Installment loans are easier to qualify for than a personal loan and, in some cases, can be a faster option, but you’ll pay high interest and fees.
  4. Title loan providers — 100%+ APR, funded in 30 minutes
    These lenders use your car as collateral to help you qualify and often require an in-person application, but you can get funded in as little as 30 minutes, if you’re willing to pay triple-digit interest rates.

      No-credit-check loans are more expensive

      Apply for a $1,000 personal loan with no credit check with lenders like Stilt that use employment data instead of your credit score. Some installment loan providers also offer no credit check loans.

      But these loans tend to be more expensive than financing from a lender that checks your credit score. Most bad credit personal loan and installment loan providers will consider you for a loan even if you have a few bad credit listings on your file.

      Check the eligibility criteria listed for both bad credit and no credit check lenders and see which one best meets your needs.

      Compare lenders that don’t check your credit

      5 factors to compare $1,000 loans

      How you compare your options largely depends on whether you’re applying for a payday loan or a standard $1,000 loan. Below, we’ve broken down what you need to know.

      1. Eligibility. Don’t waste your time applying for a loan you can’t qualify for. Check your eligibility first.
      2. Interest rate. Installment loans are generally expensive, but some providers offer more competitive APRs than others.
      3. Loan terms. Try to find the shortest term that you can comfortably afford to save on interest.
      4. Fees. While fees are included in the APR, be aware of the charges you might have to pay up front.
      5. Lender reputation. See what other borrowers have to say by reading reviews on sites like Trustpilot and the Better Business Bureau.

      How do you know if a lender is legit?

      3 ways to increase your chances of approval

      While there’s no definite way to make sure a lender approves your application, it could help to keep the following in mind:

      1. Establish eligibility criteria. Review the list of loan eligibility requirements available on each Finder loan review page before you apply. Call the lender if you have doubts about eligibility.
      2. Go through your credit report. Get a free copy of your credit report online before you apply. Understanding your credit history will put you in a better position to know what loans you can and can’t apply for.
      3. Limit your applications. Every time you apply for a loan, it counts as an inquiry on your credit report, which can lower your score.

      3 things to avoid

      When you look for a $1,000 loan, bear in mind that it can come with associated risks:

      1. Avoid taking on more debt than you can handle and exercise caution throughout the loan process.
      2. A short repayment period and high fees translate into high repayments.
      3. You can avoid high interest rates by comparing multiple lenders. Remember to consider all costs, including financing fees if applicable.

      Compare more lenders that offer $1,000 loans

      Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

      1 - 0 of 0
      Name Product Filter Values Loan amount Turnaround time Requirements
      OppLoans Installment Loans
      $500 to $4,000
      1 business day
      Direct deposit, Meet minimum income requirements, Live in eligible state
      Comes with the option to change your due date so you won’t fall behind on repayments.
      Fast5kLoans Short-term Loans Connection Service
      $100 to $35,000
      As soon as the next business day
      Regular source of income, Verifiable bank account, US citizen, Ages 18+
      Get connected with multiple lenders you might qualify with — even if you have bad credit.
      LendYou Short-term Loans
      $100 to $2,500
      Same business day to 1 business day
      $1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
      Get offers from potential lenders in minutes by filling out just one online form.
      Monevo Installment Loans
      $500 to $100,000
      Varies by lender
      Credit score of 500+, legal US resident, ages 18+
      Quickly compare multiple online lenders with competitive rates depending on your credit.

      Compare up to 4 providers

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      4 Responses

      1. Default Gravatar
        BidRedNovember 30, 2017

        I have emergency dental work that needs to be done dont know how much.What type of loan should I apply for?

        • Avatarfinder Customer Care
          AnndyNovember 30, 2017Staff

          Hi BidRed,

          Thanks for your question.

          If you want to borrow money for a dental procedure, you may consider getting a dental loan. On this page, you may compare dental loans. Kindly review the eligibility criteria and the terms and conditions of the loan before submitting your application.

          Alternatively, you may also consider comparing emergency loans.


      2. Default Gravatar
        DustinSeptember 4, 2017

        Can I get a loan with out having a checking or saving

        • Avatarfinder Customer Care
          MariaSeptember 4, 2017Staff

          Hey Dustin,

          Thank you for reaching out to us.

          Yes, it’s possible and you can check out this page on No Bank Account Loans.

          As finder is an online comparison service and is not a product issuer, it would be best to get in touch with a lender featured on our pages to discuss your eligibility or options.

          Also, you may have to check if payday loans are legal in your state.

          Before applying, please ensure that you meet the eligibility criteria and requirements and to read the details, as well as the relevant Product Disclosure Statements/ Terms and Conditions of the option before making a decision and consider whether the product is right for you.

          I hope this helps.


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