Скачать или смотреть Best Unsecured Personal Loans For People with Bad Credit in the USA in 2025

Best unsecured personal loans for people with bad credit. I am going to give you the pros and cons of each one. After all, if you are applying for one of these loans, you have the right to do it with your eyes wide open.

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“Bad credit” = people with credit scores below 620.

Video Timeline: Best Unsecured Personal Loans For People with Bad Credit in the USA in 2025
00:57 - Oportun
01:53 - NetCredit
03:15 - Opploans
04:10 - Rise Credit
06:08 - 60MonthLoans
07:35 - Simple Loan (US Bank)
08:31 - One Main Financial
09:22 - Other great options (if you can get one)
09:44 - How to check your rate with up to 40 lenders at once

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Oportun has some of the best APRs for subprime borrowers. They max out at 36%. They also lend amounts as low as $300. They lend as much as $6,000 to new customers and as much as $10,000 for returning customers. They will accept cosigners on their loans. They also cater to Hispanic customers with the option of toggling the website between English and Spanish. While they offer a secured version of their loan, it's only available in 6 states. They will charge a 10% origination fee. And if you are late on a payment, they will charge either $15 or 5%, whichever is greater.

NetCredit offers loans in 37 states, so they are pretty likely to lend in your state. In a handful of those states, they lend a minimum of $500, but in most of their states, they don’t lend less than $1,000. They will lend up to $10,000, which is one of the highest amounts for lenders who lend to people with bad credit. Their maximum APR is 155%, although their most common maximum is 100%. Their minimum APR is 34%, which is quite good for loans in this space. Likely lend to customers who have credit scores in the mid-500s. They charge origination fees between 1% and 5%. If you are late on a payment, they will charge a late fee of between $10 and $15.

Opploans lends in 40 states, so their coverage is nearly national. They lend a minimum of $500 and a maximum of $4,000. Depending on what state you live in, the maximum APR will be either 160% or 179%. I believe that they will lend to people with credit scores in the mid- or low-500s. Opploans will not charge any additional fees: no origination fee, no late fees, and no NSF fees.

Rise Credit lends in 28 states, so they might not offer loans in your state. Their minimum loan amount in most of those states is $500. Their maximum is $5,000, but most first-time borrowers will not qualify for an amount that high. They have terms that go up to 36 months. The minimum APR for a Rise loan is 60%. Their maximum APR will depend on the state in which you live. The most common maximum loan amount is 149%. But there are ten states where they will charge more than that, either 199% or 299%. Rise does not charge any additional fees. They don’t charge an origination fee or NSF fees. They offer Credit Score Plus so you can track and monitor your credit score. They will also give you a 5-day risk free guarantee. They will charge you nothing if you return the money within 5 days.

60MonthLoans is only available in 17 states. Their minimum loan amount is $2,000, so this is not a good loan for you if you are just looking for a little bit of money. Their maximum loan amount is $10,000. Their APRs are some of the lowest. Their minimum APR is 19%, which is really good for people with bad credit. Their maximum APR is only 69%. That is also a great rate…unless you are borrowing more than $5,000 or for more than 3 years. They charge an origination fee of between 5% and 10%, which is kind of high. 60MonthLoans has a confusing application process. People report that they think they are approved when their application was just “accepted” or received. In general, their policies are not as clear as the other lenders on this list, so you would want to closely review the loan terms before you accept their loan.

Simple Loan from US Bank is a great option. But it’s only available in 28 states and only to people who are already existing US Bank customers. This is going to be the lowest cost option for you. But, it maxes out at $1,000, so it might not meet your needs if you have a bigger problem.

One Main Financial boasts a great low APR for people with bad credit, but they have a reputation for pushing customers to secure the loan with their motor vehicle. This can put your car at risk if you struggle to pay off the loan

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