Bad Credit
Personal Loans
Your credit score doesn't define you. Get personal loans up to $50,000 even with bad credit. Soft pull only — no impact on your score. Instant decision.
Personal Loan Estimator
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Total interest: $2043 over 36 months
How Bad Credit Personal Loans Work— Explained
A bad credit personal loan works exactly like a standard personal loan — you receive a lump sum, repay in fixed monthly installments, and pay a fixed APR. The difference is that lenders in PrimeLendings' network place greater weight on your income, employment stability, and banking history than your FICO score. Borrowers with scores as low as 500 regularly receive loan offers. Loan amounts range from $1,000 to $50,000, and terms run 12 to 60 months. There is no collateral required — these are fully unsecured loans.
Personal Loans Bad Credit— Why Pre-Qualification Matters
Pre-qualification is the most important first step. PrimeLendings uses a soft credit pull — identical to checking your own credit — that has zero effect on your FICO or VantageScore. You get real APR offers from real lenders before committing. Competitors like SoFi and LightStream offer the same feature, but PrimeLendings specializes specifically in bad credit and fair credit applicants who are often declined elsewhere.
Pre-qualify in 3 minutes. No obligation. No commitment. See your real rate, your real term, and your real monthly payment before you sign anything.
Improve Your Approval Odds— Tips for Bad Credit Borrowers
- 1Add a co-signer with good credit to lower your APR significantly
- 2Apply with a higher income — document all income sources including gig work
- 3Request a smaller amount first to demonstrate repayment ability
- 4Ensure your bank account is active and has regular deposits
- 5Avoid multiple hard credit pulls in a short window
No Hard Credit Pull
See Your Real Rate —
Zero Score Impact
3-minute application. Soft pull only. No obligation. Real offers from licensed lenders.
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Meet the Expert
Sarah Chen
“Over 10 years of experience in consumer lending and personal finance. Sarah leads the PrimeLendings editorial review process, ensuring all content is accurate, compliant, and useful for borrowers.”
Ready to Get Up to $50,000?
Rates from 5.99% APR · Bad credit OK · No hard credit pull · Same-day funding available
Takes 2 minutes · Zero impact to credit score