How to Secure a Personal Loan with Bad Credit in 2025
Need a personal loan but worried about bad credit in 2025? This guide covers how to secure a loan, top lenders, and strategies to improve your approval chances. Understanding Bad Credit A credit score below 600 is often considered bad credit. However, many lenders in 2025 offer loans tailored for lower scores, making financing accessible. Steps to Get a Personal Loan Check Your Credit Score: Use tools like Credit Karma to know your score. Find Lenders: Explore bad credit-friendly options like Upstart or Avant. Compare Offers: Focus on APRs and repayment terms. Submit Documents: Provide income proof and identification. Top Lenders for Bad Credit Loans Lender APR Range Loan Amount Upstart 6.7%-35.99% $1,000-$50,000 Avant 9.95%-35.99% $2,000-$35,000 LendingClub 8.05%-35.89% $1,000-$40,000 Tips for Better Approval Add a co-signer or consider secured loans. Improving your credit score can also help you get better rates. Frequently Asked Questio...