10 Best Personal Loans for Bad Credit in 2025

Author: Speedfunds Now
Introduction

Struggling with a low credit score shouldn’t stop you from getting the financial help you need. In fact, over 30% of Americans have a credit score below 670, putting them in the "bad credit" category. But the good news? There are now more lenders than ever offering personal loans for bad credit with easy approval, low-interest options, and even same-day funding. Whether you're dealing with an emergency, consolidating debt, or covering unexpected expenses, this guide covers the best personal loans for bad credit in 2025 with detailed reviews, features, and benefits to help you choose the right one.

Quick Summary: Top 10 Best Personal Loans for Bad Credit

  • Speedyfundsnow – Best for fast approvals and no credit check loans

  • Upstart – Ideal for AI-based lending and fair rates

  • LendingPoint – Best for borrowers with fair-to-bad credit

  • Acorn Finance – Great loan marketplace with multiple lenders

  • SoFi – Top-tier option with added financial tools

  • Discover Personal Loans – Reputable lender with flexible repayment

  • Fig Loans – Designed specifically for bad credit borrowers

  • Check Into Cash – Fast and easy approval process

  • LendUp – Offers educational tools and credit-building

  • CashNetUSA – Best for same-day funding and emergency cash

1. SpeedyfundsnowWebsite: Contact:

Speedyfundsnow is a leading platform for people seeking online personal loans for bad credit with instant approval. This lender focuses on quick processing and minimal eligibility requirements, making it one of the most trusted sources for guaranteed approval personal loans.

Features & Benefits

  • No credit check required

  • Same-day deposit available

  • Flexible repayment terms

  • Easy online application process

Why It Stands Out: Speedyfundsnow is known for offering same day personal loans for bad credit with an easy-to-navigate interface and approval within minutes.

2. UpstartWebsite: Contact:

Upstart uses AI-driven underwriting to offer low credit score personal loans. It's ideal for borrowers with limited credit history but strong financial behavior.

Features & Benefits

  • Loan amounts from $1,000 to $50,000

  • Approval within 24 hours

  • Fixed interest rates

  • No prepayment penalties

Why It Stands Out: By evaluating non-traditional data points, Upstart provides a higher approval rate for those with bad credit.

3. LendingPointWebsite: Contact:

LendingPoint specializes in fast personal loans for poor credit and has flexible eligibility criteria that make it accessible even for those with scores below 600.

Features & Benefits

  • Loan amounts up to $36,500

  • Next-day funding

  • Customizable loan terms

  • Soft credit check for pre-qualification

Why It Stands Out: LendingPoint is one of the best personal loan lenders for credit rebuilding and emergency funding.

4. Acorn FinanceWebsite: Contact:

Acorn Finance is a loan marketplace that connects you with lenders offering easy approval personal loans tailored for bad credit borrowers.

Features & Benefits

  • Multiple lender offers with one application

  • Competitive APRs

  • Personal and home improvement loans

  • No impact on credit to check rates

Why It Stands Out: It's an efficient way to compare loan offers without affecting your credit score.

5. SoFiWebsite: Contact:

Though SoFi typically favors higher credit scores, its financial coaching and low-rate personal loans can still benefit borrowers with fair-to-bad credit.

Features & Benefits

  • Loans up to $100,000

  • No fees (origination, late, or prepayment)

  • Unemployment protection

  • Member rewards and financial tools

Why It Stands Out: SoFi offers more than just lending; it's a full-suite financial platform for long-term growth.

6. Discover Personal LoansWebsite: Contact: 1-866-248-1255

A trusted name in finance, Discover offers personal loans with no origination fees and quick approvals, making it a solid choice even for those with less-than-perfect credit.

Features & Benefits

  • Fixed APR starting at 7.99%

  • 36 to 84-month terms

  • No prepayment or hidden fees

  • 30-day return policy

Why It Stands Out: Reputable and transparent, Discover Personal Loans are excellent for consolidating debt or large expenses.

7. Fig LoansWebsite: Contact:

Fig Loans caters specifically to individuals with poor or no credit, providing small installment loans and credit builder programs.

Features & Benefits

  • Loan amounts from $300 to $1,000

  • Biweekly repayment

  • Reports to all major credit bureaus

  • No hidden fees

Why It Stands Out: Designed to help borrowers improve their credit while covering short-term needs.

8. Check Into CashWebsite: Contact: 1-877-262-2274

A pioneer in payday lending, Check Into Cash offers instant approval personal loans for bad credit, including in-store and online options.

Features & Benefits

  • Payday, title, and installment loans

  • Immediate decision process

  • In-store pickup or direct deposit

  • Low minimum requirements

Why It Stands Out: One of the oldest providers of fast loans with nationwide physical locations.

9. LendUpWebsite: Contact:

LendUp offers short-term personal loans for bad credit with an emphasis on financial education and credit score improvement.

Features & Benefits

  • Loan ladder system for repeat customers

  • Reports to credit bureaus

  • Transparent pricing

  • Educational resources included

Why It Stands Out: Designed to help borrowers get out of the payday loan trap and improve credit.

10. CashNetUSAWebsite: Contact: 1-888-801-9075

CashNetUSA is a leading provider of same-day personal loans for bad credit. It offers fast funding and user-friendly online tools.

Features & Benefits

  • Instant decisions

  • Same-day funding available

  • Loans up to $3,000

  • Educational financial tools

Why It Stands Out: Known for speed and convenience, CashNetUSA is ideal for financial emergencies.

Comparison Table: Best Personal Loans for Bad CreditLenderLoan AmountApproval TimeCredit CheckUnique FeatureSpeedyfundsnow$100 - $5,000InstantNoNo credit check, fast fundingUpstart$1,000 - $50,00024 hoursYesAI-based approval systemLendingPointUp to $36,500Next-daySoftCustomizable termsAcorn FinanceVariesInstant pre-qualSoftMultiple lender offersSoFiUp to $100,000Few daysYesNo fees, member perksDiscoverUp to $35,000Same-dayYes30-day return optionFig Loans$300 - $1,0001 business dayYesCredit builder loanCheck Into CashVariesInstantVariesIn-store or online optionsLendUpUp to $500MinutesSoftCredit improvement toolsCashNetUSAUp to $3,000Same-dayYesEmergency-focused quick loansFAQs: Personal Loans for Bad Credit1. Can I get a personal loan with bad credit?

Yes, many lenders like Speedyfundsnow, LendingPoint, and Fig Loans offer personal loans for bad credit with fast and flexible terms.

2. Are there guaranteed approval personal loans?

While no loan is truly "guaranteed," lenders like Speedyfundsnow and Check Into Cash offer high-approval-rate loans with minimal credit checks.

3. What is the easiest personal loan to get with poor credit?

Speedyfundsnow and CashNetUSA are among the easiest to get, offering easy approval personal loans with instant decisions.

4. Do personal loans for bad credit charge high interest?

Some may have higher APRs, but options like Upstart and Discover provide low-interest personal loans even for less-than-perfect credit.

5. Can I get a same-day personal loan for bad credit?

Yes, lenders such as CashNetUSA and Speedyfundsnow offer same-day personal loans designed for emergencies.

Conclusion

Getting a personal loan for bad credit in 2025 is easier than ever with the rise of fintech and credit-friendly lenders. Whether you're looking for instant approval, low rates, or no credit check personal loans, the ten lenders listed here offer reliable, accessible solutions. Ready to improve your financial stability? Start by applying to one of these trusted providers today and take back control of your finances.