Best personal loans for bad credit for July 2026

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Personal loans often have lower rates than credit cards, making them a less expensive alternative if you need to finance an unexpected cost or consolidate debt. But if you have bad credit, it can be harder to find a lender that's willing to work with you.

While it might be difficult to qualify for a personal loan if you have bad credit, it's not impossible. We've pulled together this list of the best personal loans for bad credit to help with your search.

Our take: Offering a simple application process and relatively low rates and fees, LendingClub is our best overall pick among personal loan lenders we evaluated.

Funding speed: As soon as one business day

LendingClub offers the option to prequalify for its personal loans, making it a good starting point if your credit isn't great and you're comparing options. This lender offers a range of loan amounts and repayment terms, competitive rates, and fairly low origination fees. Borrowers also benefit from fast funding, with loans disbursed as soon as one business day

Fuente original: Yahoo Finance (https://finance.yahoo.com/personal-finance/personal-loans/article/best-personal-loans-for-bad-credit-211415243.html)