The easiest loan to get with bad credit is a no-credit-check loan from OppLoans, as this lender will not even consider your credit score during the application process. In order to qualify for a loan from OppLoans with bad credit, you will just need to have an income that's high enough to pay the loan back. OppLoans personal loans offer $500 to $4,000 in funding for up to 18 months, and the APR range is 59% - 160%. There are also a few other no-credit-check lenders you can consider, like NetCredit, LendUp, and Integra Credit.
Easiest Loans to Get with Bad Credit
Easiest Traditional Loan to Get With Bad Credit
While a no-credit-check loan is the easiest type of loan to get with bad credit, it's bound to be a lot more expensive than loans from lenders that do a credit check.
The easiest loans to get with bad credit from a lender that does a credit check are from LendingPoint, which requires a credit score of 580 to qualify. LendingPoint offers $2,000 to $36,500 in funding for 24 to 60 months. The APR range is 9.99% - 35.99%.
Other Easy Loans to Get With Bad Credit
Another easy type of loan to get with bad credit is a secured personal loan. This type of loan requires you to put up collateral that the lender can keep if you default on the loan. Because there's little risk for the lender, it's often easy for people with bad credit to get approved.
Alternatively, you could consider borrowing from a friend or family member. They may not care about your credit score at all.
Finally, one of the easiest types of loans to get with bad credit is a payday loan, which is a small, short-term loan to be paid back with your next paycheck. You should avoid these unless they're your only option, however, because they charge extremely expensive fees.
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