7 Top Personal Loans in the USA for Individuals with Bad Credit

A personal loan may be taken out for a variety of reasons, including emergency costs, home improvements, and debt consolidation.

It's unlikely that active-duty and retired members of the U.S. armed forces with less-than-perfect credit will find a better personal loan than what Navy Federal Credit Union can offer.

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For those in need of an emergency loan, Rocket Loan may be a suitable alternative. Borrowers who sign loan documents before 1 p.m. EST Monday through Friday frequently obtain same-day money.

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LendingClub will take two borrowers' income and credit scores into account to increase the likelihood of approval and get a lower APR.

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Many Happy Loan borrowers pay a 5% or less loan origination fee, with some paying no fee at all — and no one pays an application fee with Happy Money.

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A short credit history can make it just as difficult to get approved for a personal loan as bad credit, but Upgrade appears to be more willing to lend to new credit borrowers than other lenders.

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Many personal loan lenders offer quick approvals, but LendingPoint can provide an answer to most lenders within seconds of submitting the initial application.

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OneMain Financial makes it simple for borrowers to select a repayment schedule that fits their budget by providing 24, 36, 48, and 60-month repayment options.

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