Loans for Bad Credit
Explore personal loan options for bad credit with flexible terms and transparent rates. Checking your rate won’t impact your credit score*, so you can see your options with confidence.
See My Loan Offers
Why Personify
A Smarter Option for Bad Credit Loans A Smarter Option for Bad Credit Loans
Looking for a personal loan with less-than-perfect credit? Personify offers online personal loans for borrowers with fixed payments, transparent terms, and a quick application process.
Bad Credit? You May Still Qualify
We look beyond your credit score when reviewing applications. Factors like income, employment, and banking history may also help determine eligibility for a bad credit personal loan.
Fast Decisions† & Next-Day Funding#
Apply online in minutes and receive a fast decision.† If approved, your personal loan funds may be deposited into your bank account as soon as the next business day.#
Transparent Terms & No Prepayment Penalties
No hidden fees and no penalties for paying off your loan early. With fixed monthly payments and clear loan terms, you’ll always know what to expect.
Simple Process
How Personify Loans Work
Applying for a personal loan with bad credit does not have to be complicated. Personify gives you a simple online process so you can explore your options from a phone, tablet, or computer.
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Check Your Rate Online
Start with a short online form to review possible loan offers.
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Review Your Offer
If you qualify, you will see your loan amount, repayment term, and rate before deciding whether to move forward.
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Get Your Funds
Review your loan terms, APR, and monthly payment. Accept only if it works for you.
Eligibility
Who May Qualify for a Personal Loan
Checking your rate is simple for many borrowers. Here are the basic requirements to apply for a bad credit loan.
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Minimum Age to Apply
You must be at least 18 years old to apply for a personal loan.
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Steady Source of Income
Applicants must have verifiable income from employment, self-employment, or other recurring income sources.
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Active Checking Account
An active checking account is required for loan funding and when enrolling in automatic recurring payments.
FAQ
Frequently Asked Questions
Everything you need to know about getting a personal loan with bad credit.
See My Loan Offers-
Yes, you may still qualify for a personal loan even if you have bad credit. Approval is based on several factors, including your credit profile, income, and ability to repay, not just your credit score.
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No. Checking your rate will not impact your credit score. You can review available loan options first and decide if you want to move forward.
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If approved, funds may be available as soon as the next business day. Timing can vary based on your bank and application details.
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Qualified borrowers may be able to borrow between $500 and $15,000, depending on eligibility and the loan offer provided.
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Yes. We believe there’s more to understanding your particular financial situation than just your credit score. We are able to include many factors besides credit history in our loan evaluation process.
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Yes. There are no penalties for paying your loan off early.
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No. There is no application fee. If you’re approved and accept the loan, an origination fee will apply. Please see our Rates, Terms and Licensing Information page for more information.
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To apply for a personal loan, you typically need to meet a few basic requirements. These may include being at least 18 years old, having an active checking account, and showing a steady source of income. Additional factors such as credit history and overall financial profile are also considered during the review process.
Ready to See Your Options?
Explore bad credit loans in Texas with transparent terms and a simple online application.
See My Loan Offers100% secure and confidential
*There is no impact to your credit score to apply. Your credit score will be impacted if you are approved and accept the loan.
#Funds are disbursed on the next business day, if approved and signed by you by 11:59 PM CT. Actual availability of funds depends on your financial institution’s policies.
†The majority of unsecured loan applicants receive an instant decision after submitting a complete application. However, final approval may be delayed if we require additional information.