The Best Personal Loans for Every Type of Credit Score


Millions of Americans use personal loans to consolidate debt or to get fast funds for large or unexpected purchases. As a result, online lenders have grown steadily in the past few years, offering a more streamlined and transparent process when compared to more traditional lenders, like banks.

With so many online lending options, it’s important to know which lenders to choose.

Here are 4 loan companies that are trusted, industry leaders who can help you get the loan you need. (Note: Applying for a loan with any of the below companies will not affect your credit score).

Best for Any Credit Score: LendingTree

LendingTree operates as a loan marketplace, matching borrowers with the most relevant loan providers. LendingTree works with more than 1,500 lenders, so no matter your credit score, you can find a lender that will work with you.

LendingTree also has a host of different loan calculators which provide a clear picture of what repayment fees will look like, depending on loan amount, credit score and repayment time. The more information you have during the application process, the easier it is to plan ahead and find the right loan terms for you.

By far, the biggest advantage with LendingTree is that borrowers can submit one loan application and receive multiple offers - allowing anyone to easily shop around and negotiate multiple loan offers without having to wade through dozens of applications. The business model is based on loan providers competing for your business, which in most cases means you will get more favorable loan terms and amounts.

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Best for Fair Credit: Loans Under 36

LoansUnder36 is also a loan marketplace that connects borrowers with a network of reliable lenders who specialize in a variety of fields. The 36 in the lender’s name refers to the annual interest rate - the company only works with lenders who offer loans under 36% APR. Lenders who offer interest rates above 36% should only be considered if you have poor credit.

Their network is not as large as LendingTree’s (100 lenders vs. LendingTree’s network of 1,500 lenders) but one key difference is that AmOne offers both short and long-term repayment solutions.  This is a good option if you have fair credit and need fast access to cash.

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Best for Bad Credit: OppLoans​

If you have really poor credit and need cash fast, Opploans is your best choice. The lender is a better alternative to payday loans, which are predatory lenders that charge exorbitant interest rates of up to 400% APR. Opploan’s APR is still quite high for a personal loan - ranging from 99-199% - but they do offer longer repayment periods and the loans are unsecured, which means you don’t need to provide collateral.

Opploans offers loan amounts of up to $5,000 and if you’re approved you can receive funding the next day. We recommend using Opploans only if you have a bad credit score - below 630.

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If you want more information or need help finding the personal loan that will fit your needs, check out our reviews of the best personal loan companies of 2018

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