Best Unsecured Personal Loans of October 2021

ElitePersonalFinance
Last Update: August 10, 2021
Amount:

$1,000 - $250,000

Min. Credit Score:

550

APR:

2.49% - 35.99%

Approval:

< 1 Day

Terms:

2 - 7 Years

Amount:

$600 - $100,000

Min. Credit Score:

500

APR:

2.49% - 35.99%

Approval:

< 1 Day

Terms:

2 - 7 Years

3700 Reviews
Amount:

$1,000 - $100,000

Min. Credit Score: 0 620 is Recommended APR:

5.94% - 35.99%

Approval:

< 1 Day

Terms:

1 - 10 Years

Loan Comparison Site
More Information

There are plenty of services in the marketplace. SuperMoney is the best! This company works with thousands of loan companies, lenders, credit unions, and so on, so finding you a loan will be easy. And they work differently. Instead of getting your personal details and sending them to a list of their lenders, as other companies do, SuperMoney will ask you to complete their form one time and directly list the offers that are available to you. There is a big difference because you directly get personalized offers based on your financial situation. Your personal information is not sent to a list of lenders like other sites do. After that, you can pick the best for you. Click offer details below each, and you will find all of the information you need to know regarding APRs, repayment terms, and fees. Best of all, the service is completely free and requires no obligation.

3000 Reviews
Amount:

$1,000 - $50,000

Min. Credit Score:

600

APR:

5.94% - 35.97%

Approval:

< 1 Day

Terms:

3 - 5 Years

Lowest cost
More Information

Upgrade Disclaimer: Personal loans made through Upgrade feature APRs of 5.94%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Upgrade’s lending partners issue personal loans. Information on Upgrade’s lending partners can be found at https://www.upgrade.com/lending-partners/.

Upgrade is one of the best personal loans for fair and good credit. If your credit score is above bad, then try these loans:

Best Personal Loans for Fair Credit 2021 >>
2690 Reviews
Amount:

$1,000 - $35,000

Min. Credit Score:

580

APR:

5.99% - 35.99%

Approval:

< 1 Day

Terms:

3 - 72 Months

Lowest cost
More Information

PersonalLoans offers unsecured loans ranging from $1,000 to $35,000, and because the company only requires a minimum credit score of 580, PersonalLoans is a great place to obtain a bad credit loan. Its APRs range from 5.99% to 35.99%, but you need to have some form of recurring income to qualify. It can be full-time employment, self-employment, regular disability, or Social Security benefits. Loans are not available to residents in Arkansas, Georgia, or New York.

Pros:
  • Low credit score requirements of 580.
  • Low-income requirement of $1,000.
  • Bad credit is ok.
  • The highest amount allowed is $35,000.
  • Available in many states.
Cons:
  • People with really bad credit can’t apply.
  • You can’t have an account with a late payment for longer than 60 days or a recent bankruptcy.
  • You can’t have any recent charge-offs or late payments.
Best for: Bad Credit
1370 Reviews
Amount:

$500 - $10,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

< 1 Day

Terms:

3 - 36 Months

Really Bad Credit
More Information

When we talk about bad credit loans, BadCreditLoans.com should always be at the top of our list! And there is a good reason for that.  BadCreditLoans have helped millions get a personal loan, while so many people still pay insane interest on their payday loans. BadCreditLoans.com is a leading company helping people with really bad credit. They are NOT a payday loan company! They are a huge marketplace connecting people with bad credit with lenders offering UNSECURED bad credit loans. The company offers loans of $500 to $10,000, APR 5.99% to 35.99%. And bad credit is always approved ... in less than a day. In fact, this is the most successful personal loans company for bad credit that we at ElitePersonalFinance know. Whether you want to get a bad credit loan or refinance your existing payday loans with one cheaper loan, try BadCreditLoans.

Pros:
  • The Best in The Bad Credit Business!
  • Easy and fast approval.
  • Unsecured loans.
  • Those with really bad credit get approved.
  • APRs are in the personal loan range, which means less than 5.99% to 35.99%.
  • Not a payday loan company.
  • Amount of up to $10,000.
  • Huge lending network.
  • Free to register and no obligation to accept any offer.
  • The minimum credit score required is 0.
  • No hard inquiry on your credit score, so registering won't lower your credit score.
Cons:
  • For those with really bad credit, expect high APRs ranging from 15% to 35.99%.
  • People with really bad credit can’t expect to qualify for the highest amount of $10,000, but they can expect up to $1,500.
  • Not all loans get approved.
Best for: Really Bad Credit
Amount:

$100 - $15,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

< 1 Day

Terms:

1 - 72 Months

Amount:

$100 – $10,000

Min. Credit Score:

0

APR:

Vary

Approval:

< 1 Day

Terms:

1 – 60 Months

2489 Reviews
Amount:

$1,500 - $20,000

Min. Credit Score:

0

APR:

18% - 35.99%

Approval:

1 Day

Terms:

2 - 5 Years

2394 Reviews
Amount:

$2,000 - $35,000

Min. Credit Score:

580

APR:

9.95% - 35.99%

Approval:

1 Day

Terms:

2 - 5 Years

1245 Reviews
Amount:

$1,000 - $40,000

Min. Credit Score:

600

APR:

8.05% - 35.89%

Approval:

1 - 4 Days

Terms:

3 - 5 Years

1185 Reviews
Amount:

$2,000 - $36,500

Min. Credit Score:

585

APR:

9.99% - 35.99%

Approval:

1 - 3 Days

Terms:

2 - 5 Years

1089 Reviews
Amount:

$4,000 - $25,000

Min. Credit Score:

600

APR:

5.99% - 29.99%

Approval:

1 - 7 Days

Terms:

3 - 5 Years

1226 Reviews
Amount:

$5,000 - $100,000

Min. Credit Score:

660

APR:

2.49% - 19.99%

Approval:

1 - 7 Days

Terms:

2 - 7 Years

3770 Reviews
Amount:

$2,500 - $35,000

Min. Credit Score: 660 APR:

6.99% - 24.99%

Approval:

1 - 7 Days

Terms:

3 - 7 Years

1547 Reviews
Amount:

$2,000 - $45,000

Min. Credit Score:

640

APR:

7.16% - 29.99%

Approval:

1 Day

Terms:

3 - 5 Years

1269 Reviews
Amount:

$1,000 - $50,000

Min. Credit Score:

580

APR:

6.76% - 35.99%

Approval:

1 - 3 Days

Terms:

3 - 5 Years