
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated
Ascend stopped offering personal loans in June 2017. While it continues to service any outstanding loans customers have out, it’s no longer extending new loans. The online lender was known for its lenient credit requirements and monthly interest rate discounts for showing responsible financial behavior. Though it’s no longer around, there are other personal loan providers that may be willing to work with you — even if you don’t have the best credit.
These providers offer a wider range of loan amounts than Ascend and report to the three major credit bureaus — so you can improve your score with on-time repayments.
LendingClub is a peer-to-peer (P2P) lender that grades your profile from A to G. Lenders then use that grade to determine how much they’re willing to lend and at what rates. While it has a higher credit score requirement than the other providers on this list, you can bring on a cosigner to increase your chances of approval and potentially qualify for lower rates.
OneMain Financial is a direct lender that offers both secured and unsecured personal loans. It doesn’t have a minimum credit score requirement, making this a good option for borrowers with less-than-perfect credit. While you can fill out an application online, you’ll need to visit your local branch to complete the process and receive your funds.
Read OneMain Financial's review
LendingTree is a connection service, not a direct lender. This means you’ll fill out one online form to be connected with personal loan providers you may qualify with. Like OneMain, it doesn’t have a minimum credit score requirement. And on top of matching borrowers with potential lenders, it also has a credit score tool that allows you to check your score for free, explore the factors that influence it and find ways to boost it.
Ascend may no longer offer personal loans, but these three options provide similar services that could help you build your credit. Before you get started, read up on how personal loans work to make sure you understand the full cost of borrowing.
Compare 6 lenders to find one that’s a good fit for your needs.
Loans of up to $50,000 available from this well-established lender.
Compare lenders and rates quickly — with options for borrowers with bad credit.
Opening a business bank account is easier than you think. Explore our guide on how to do it.
11 experts weigh in on when taking out a personal loan to pay bills makes sense — and when you should explore other options.
Grants, nonprofit assistance and other options to cover your bills.
Learn about coronavirus financial support options, complimentary insurance and other credit card details you may be wondering about.
Explore our top five picks for best banks in the Lone Star State.
Explore online lenders, banks and credit unions offering funding right now.
Find out if your credit is strong enough for no-collateral financing.