Based on your check, you may qualify for an estimated $9,732 personal loan. Here are 3 lenders known for approving a wide range of credit profiles.
None of the lenders below require a specific pageview or “click” to qualify — the estimate you saw is a general guide, and each lender listed here makes its own approval decision based on your actual application. That said, these three are worth considering first because each one is known for evaluating more than just a raw credit score, which widens approval odds for many borrowers compared to traditional banks.
1. Upstart
Upstart
Upstart doesn’t rely on your credit score alone. Its underwriting model also factors in your employment history, education, and income, which means borrowers with a limited or imperfect credit history can still be considered based on their broader financial picture. Upstart also offers a soft-pull prequalification, so you can check your estimated rate without a hard inquiry hitting your credit report.
Apply at Upstart →2. OneMain Financial
OneMain Financial
OneMain Financial doesn’t publish a minimum credit score requirement at all — it evaluates your full financial picture, including income and existing debt, rather than screening applicants out by score alone. It’s also one of the few major personal loan lenders with over 1,400 physical branch locations across the U.S., in addition to its online application, which can help if you’d rather talk through your options with someone in person.
Apply at OneMain Financial →3. Avant
Avant
Avant’s minimum credit score requirement of 580 is well below what most traditional banks ask for, and its average approved borrower has a score in the mid-600s — a range many bank lenders consider too risky. Avant also offers a genuine soft-pull prequalification, letting you preview real offers with no impact to your credit score before deciding whether to move forward with a full application and hard inquiry.
Apply at Avant →Keep in mind that every figure above is an estimate for informational purposes. Actual approval, loan amount, interest rate, and repayment terms are determined solely by the lender you choose to apply with, based on their own full underwriting review of your credit, income, and financial history. Nothing on this page guarantees approval from any lender.