Upstart personal loans
It’s not uncommon to struggle to qualify with traditional lending options if you have a limited credit history. However, Upstart considers additional data like your education, work experience and more to determine your eligibility — there are over 1,500 variables taken into account during its underwriting process. Rates can be anywhere from 6.5% to 35.99%, there’s an origination fee between 0% to 10%, and loan amounts range from $1,000 to $50,000. There are late fees, though.
- Not available in: West Virginia
Minimum credit score | 300 |
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APR | 6.5% to 35.99% |
Loan amount | $1,000 to $50,000 |
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I am in desperate need of a loan up to 5,000 for debit consolidation. I have tried every where my credit score isn’t the best and I know that’s what is hurting me. I just need someone to look past that an give me a chance. So I can get back on my feet.
Hi Amy,
Thanks for leaving a question on Finder.
Sorry to hear you are going through difficult times. Debt consolidation is one way to manage repayments and reduce debt if you have more than one account on which you pay interest. By moving all the separate balances into one account, you can start to reduce your liability by paying one monthly repayment instead of several. While many lenders require you to have a positive credit history to take out these loans, there are some who approve debt consolidation loans for those with bad credit.
Cheers,
Joel
I’m in desperate need of $4000 to buy a car.. I had a credit score of around 630 6 months ago but it’s 454 now because I have lived with a man for 4 years that WILL NOT work.. I’m on Disability.. I am sick..they think I have celiac disease..my mom got a loan for me but as always she never follows through..my husband is abusive.. I just need a break.. Is there someone who can help me??
Hi Candice,
Thanks for leaving a comment on finder.com. You may still be eligible for a loan while on a disability pension. Please note that laws that apply to loans may vary from state to state so make sure you choose your state from the dropdown.
If you need further help, please send us a message anytime.
Cheers,
Joel
Hello! I would like to start rebuilding my credit..my score is right at 590 to 600. Exp even had me at a 623. So, I did get a capital one journey card, 300.00 limit. Can I get a personal loan anywhere with this score? Or should I give up until I have established better history with this new card?
Hi,
Thanks for your inquiry.
An Experian credit score that falls within the range 580 to 669, it is considered Fair.
Applicants with a Fair credit score are usually seen by lenders as having unfavorable credit and may decline their credit applications. However, there are lenders that offer bad credit personal loans that may be suitable for you.
If you do not need to have an urgent need for a loan, you can improve your credit score first so you will have access to loans with flexible options and better interest rates and terms.
Best regards,
Rench
I have low credit score defaults and I’m on fixed income monthly I would like to and need to take a loan however these facts of plow credit score and defaults have not been approved and I do not have a bank account so how can I or will I qualify for a loan
Hi Benita,
Thank you for reaching out to us.
You can refer to these pages to compare your options for bad credit personal loans and cash loans.
Before applying, kindly make sure that you have met the eligibility requirements of the Lender and have reviewed the details of the loan.
I hope this information helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
How can I borrow a loan for a small business?
Hi Chydike,
Thank you for your inquiry.
Thankfully, we do have a list of business loans you may consider. Please see that list to learn more about your options and how to go about applying for a loan.
I hope this information has helped.
Cheers,
Harold