Grace Enfield, Content Writer
@grace_enfield
A signature loan is hard to get approved for if you have a credit score below 580 or limited income, since lenders use your track record as a borrower and your ability to repay a loan to determine whether it’s safe to approve you for a signature loan. Some signature loans are easier to get than others, though. You can even find options that won’t check your credit when you apply.
Some of the easiest signature loans to get are from Oportun because you do not need to have a credit score to qualify. Oportun offers loan amounts of $300 - $15,400 with APRs of 10.07% - 35.95% and repayment periods of 6 - 46 months. You can see a comparison of the easiest signature loans to get below.
Easiest Signature Loans to Get
| Lender | APRs | Loan Amounts | Credit Score Requirement |
| 10.07% - 35.95% | $300 - $15,400 | None | |
| 19% - 35.83% | $2,600 - $10,000 | None | |
| 34% - 155% (varies by state) | $500 - $10,500 | Considers people with bad credit | |
| 59% - 160% | $500 - $4,000 | None | |
| 60% - 299% | $500 - $5,000 | Bad credit accepted | |
| 99% - 300% | $500 - $3,000 | None |
To read more about the top-ranked offers, check out WalletHub’s picks for the best personal loans for people with no credit and the best no credit check loans. Then, you can estimate your potential rates with our free pre-qualification tool.
Best Signature Loans of 2023
Compare OffersPeople also ask
What credit score do you need for a signature loan?
You need a credit score of at least 580 to qualify for a signature loan in most cases. Lenders that offer signature loans typically have minimum credit score requirements of 580 or higher, though you will likely need a better score to get approved for a loan with no origination fee. You can check your latest credit score for free on WalletHub.
Credit Score Required for a Signature Loan by Lender
| Lender | ... | APR | Loan Amounts |
Does a signature loan require a credit check?
Yes, signature loans require a credit check because there is no collateral to protect lenders against the threat of nonpayment. There are a few signature loans available without a credit check, but they typically have high APRs and only offer up to a few thousand dollars.
The best signature loans are from Upstart because the company offers loan amounts of $1,000 - $50,000, APRs of 5.35% - 35.99% and repayment periods of 36 , 60 months. Upstart does require a credit check,...
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