If you’re looking for a personal loan but have less-than-perfect credit, it may be tough to find an affordable option. The lenders we’ve picked as the best personal loans for bad credit either offer prequalification options that let you preview your estimated rate without a hard inquiry on your credit reports or don’t check your credit., Working with hundreds of clients has taught him some insider tricks about getting approved, even with credit scores in the 500s. Below are the best ones to help you get the funds you need, even if you have bad credit. Secured Personal Loans First up, secured personal loans are your best bet., We looked at fees, interest rates and flexible repayment options for different credit scores to find the best bad credit personal loans. Getting a personal loan when you have bad, According to our systematic rating and review process, the best personal loans for bad credit come from Upstart, OneMain Financial, Upgrade, Best Egg, LendingClub, Prosper and Happy Money., Bad credit personal loans are tailored to those with less-than-perfect credit scores, providing access to needed funds and an opportunity to improve credit history. Bad credit lenders consider factors beyond just credit scores, such as income, employment, and overall financial situation., .