Grace Enfield, Content Writer
@grace_enfield
You can borrow anywhere from a few thousand dollars to $100,000+ with a 610 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.
The best personal loans for a 610 credit score are from Upstart. The company offers $1,000 - $75,000 with APRs of 6.6% - 35.99% and repayment periods of 36 months or 60 months.
Best Personal Loans for a 610 Credit Score
| Lender | Loan Amounts | APRs | Credit Score Requirement |
| $1,000 - $75,000 | 6.6% - 35.99%, typically | None | |
| $300 - $10,000 | 35.95% - 35.99% | None | |
| $1,500 - $20,000 | 18% - 35.99% | None | |
| $300 - $5,000 | 60% - 299% | None | |
| $500 - $4,000 | 75% - 349% | None |
For more information, check out WalletHub’s complete picks for the best personal loans for bad credit. Then, you can estimate your potential rates with our free pre-qualification tool.
Upstart Disclosure: Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 19.60% and a 6.90% origination fee of $690, for an APR of 23.22%. In this example, the borrower will receive $9310 and will make 60 monthly payments of $264. APR is calculated based on 5-year rates offered in March 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
People also ask
What credit score do I need for a $50,000 personal loan?
You will likely need a credit score of at least 580 for a $50,000 personal loan, along with enough income to afford the monthly payments. Other common loan requirements include being at least 18 years old, having a valid bank account, and being a U.S. citizen, permanent resident, or visa holder.
Credit Score Required by Lenders That Offer $50,000 Personal Loans
| Lender | Loan Range | ... |
What are the best personal loans for a 610 credit score?
The best personal loans for a 610 credit score are from LendingPoint, Avant and OppLoans. These companies offer loans to people with bad credit, and in some cases, they won’t even do a credit check when you apply. While your options are still limited with a credit score of 610, you’re getting toward the upper end of the bad credit range, so your selection expands a bit compared to lower scores.
Best Personal Loans...
read full answer by Rick Bormin, Personal Loans ModeratorCan I get a debt consolidation loan with a 610 credit score?
Yes, you can get a debt consolidation loan with a 610 credit score. You’ll also need to meet the other requirements to get a debt consolidation loan, like being at least 18 years old, having enough income to afford the loan and having a bank account.
The best debt consolidation loans for a 610 credit score are from Upstart because the company does not have a credit score requirement, loan amounts of $1,000 - $75,000 and...
read full answer by Grace Enfield, Content WriterDid we answer your question?
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