Bad Credit Loans: Check Your Options and Apply Online
Page last reviewed: March 18, 2026 · Reviewed for accuracy by LendUp
Yes, You Can Get a Loan With Bad Credit
Many lenders serve borrowers with poor credit. Payday lenders often focus on income rather than score. Online installment lenders serve a wide range. Some credit unions offer small-dollar options to members. What you'll be offered - and what it'll cost - depends on your score, but bad credit doesn't mean no options.
Start Here
- Check your state's rules: your state sets the products, rates, and fees available to you. Find your state.
- Check your options: see what lenders offer at your income and credit level.
Want to find the best option for your score range? The guides below help you target the right lenders and avoid overpaying.
Find Your Score Range
300–499
Options are narrow but they exist. Payday is most accessible. Verify the lender is licensed - scam risk is highest here.
See 300–499 options500–579
More lenders compete at this range. Installment loan rates vary - comparing 2–3 offers can save you hundreds.
See 500–579 options580–669
Check mainstream lenders first. Credit unions and banks may offer rates far below subprime at this range.
See 580–669 options670+ but Still Seeing High Rates?
You're past the subprime threshold. If you're still getting expensive offers, you may be looking in the wrong place.
See 670+ optionsDon't know your exact score? Your bank app, card app, or a free service can show you an approximate number. Or pick the range closest to what you've seen recently.
I Have a Specific Concern
No Credit History
A thin file isn't the same as a bad score - your options and path forward are different.
See thin-file optionsWorried About Credit Checks?
Some lenders prequalify with a soft pull. Others check income only. See which products protect your score.
See no-hard-check optionsImprove Your Approval Odd
Small steps - some in a few weeks - can move your score and your options before you commit.
See what you can do nowAlready Know What You Want?
- Need a small amount fast? See payday loans and bad credit.
- Need $500+ with monthly payments? See installment loans and bad credit.
- Know your amount? See loan amount ranges.
- Not sure borrowing is the right move? See lower-cost alternatives.