Minimum credit rating: NoneLoan conditions: One or two in order to four yearsLoan wide variety: $step one,five-hundred so you’re able to $20,000Fees: Origination costs pertain


Minimal credit rating: 600Loan terms and conditions: Around three otherwise four yearsLoan amounts: $1,000 in order to $40,000Fees: Origination percentage of step three% to 6%; later fee fee out-of $15 otherwise 5% of one’s delinquent month-to-month paymentGood for: People who want to take a look at numerous lenders in one place


Lowest credit score: 580Loan terms: Several so you can four yearsLoan wide variety: $2,one hundred thousand to $25,000Fees: Origination costs out of 3% so you can 6%Perfect for: Individuals who wish to know rapidly if they meet the requirements


Minimal credit score: 660Loan terms: Two to help you 12 ages to have do it yourself loans; a couple of in order to eight ages for everybody most other loansLoan number: $5,one hundred thousand to $100,000Fees: NoneGood to own: Individuals who need certainly to obtain a great number of currency

Marcus by the Goldman Sachs

Marcus allows you to delay a payment immediately after an excellent year’s property value for the-go out money. Whenever you are you can easily still spend desire during this times, this particular aspect can provide certain breathing space when you require it.

Minimal credit rating: 660Loan words: 3 to 6 yearsLoan wide variety: $3,five-hundred so you can $forty,000Fees: NoneGood to own: Those who must postponed a repayment

Delighted Currency, formerly labeled as Rewards

Happy Currency, previously also known as Payoff, specializes in debt consolidation reduction, plus offers within the-family pros to speak your as a result of paying off your debt.

Minimum credit rating: 640Loan words: One or two to four yearsLoan number: $5,000 so you can $40,000Fees: Origination fee out of 0% so you can 5%Good for: Those who want assist repaying their personal debt

OneMain Monetary

When you find yourself merely starting out plus don’t possess a lengthy credit record, OneMain’s bring so you’re able to give to the people in the place of a minimum credit history can help you qualify.

These could getting flat fees between $25 and you can $five-hundred or a fee of just one% in order to ten% of one’s amount borrowed.Good for: People who have a small credit rating

PenFed Borrowing from the bank Commitment

Minimal credit score: 670Loan terminology: You to five yearsLoan amounts: $600 so you’re able to $thirty five,000Fees: NoneGood to have: Those who you would like a small loan

Do well

Do just fine matches your that have people that looking for capital your own mortgage. When you yourself have a special scenario, you may possibly have a much better risk of being qualified.

Lowest credit score: 640Loan words: About three or five yearsLoan number: $dos,100000 so you can $forty,000Fees: Origination payment away from 2.4% so you’re able to 5%; later commission payment away from $15 or 5% of your own unpaid month-to-month paymentGood to have: Those with a new financial situation


Modify takes into account individuals with down credit ratings, and you will financing loans tends to be found in only one to working day.

Lowest credit history: 580Loan conditions: Around three otherwise four yearsLoan wide variety: $1,100 so you’re able to $50,000Fees: Origination percentage away from dos.9% to 8%Perfect for: People who are strengthening borrowing


Upstart cannot simply look at the credit history – the lending company and additionally requires your studies and work history into consideration. That have a reasonable get and you can a solid background at your workplace and you will college or university, you will get a better deal.

Minimum credit rating: 580Loan words: Three to five yearsLoan numbers: $step one,100000 to $50,000Fees: Origination percentage away from 0% to 8%; late commission off $15 otherwise 5% of history due harmony (any sort of is actually better); ACH come back or take a look at reimburse percentage out-of $15Good having: Those with an excellent employment or education background

Other loan providers to consider

The following lenders commonly Legitimate partners, you will not to able so you can with ease examine your own rates which have them into Reputable system. Nonetheless can be worth considering if you are looking to own a debt consolidation loan that have fair credit.


Earnest is an internet system which fits you with assorted loan providers. But bear in mind you to their financing aren’t found in AL, De, KY, NV otherwise RI.

Minimum credit history: 680Loan terminology: Three to five yearsLoan numbers: $5,one hundred thousand to help you $75,000Fees: Cannot discloseGood to own: Those who must research rates before you apply for a financial loan