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15 Best Personal Loans for Fair Credit in 2025

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It might be challenging to find a personal loan under fair credit, but there are enough alternatives to take a closer look at in 2025. Need to pay down debt, buy something big or cover an emergency? A variety of reliable lenders presents flexible loans geared toward good credit users. We have compiled the 15 best personal loans with good terms and easy approval in this post to help you get well-suited personal loans to your financial condition.

Best 15 Personal Loans with Fair Credit in 2025

1. SoFi

2. LendingPoint

3. Upstart

Related: How to Pay Off Your Car Loan Fast

4. Avant

  • APR: 9.95% – 35.99%
  • Loan Amount: $2,000 – $35,000
  • Quickest To Finance: Ideal to finance
  • Pros: Avant provides funding within one business day, and it takes into account the credit score equal to 550. They offer an easy-to-use mobile loan platform.
    the-sun.com
    lendingtree.com
    nerdwallet.com

5. Prosper

  • APR: 8.99% – 35.99%
  • Loan Amount: $2,000 – $50,000
  • Peer-to-peer lending Best For:
  • Features: Prosper links up individuals to borrowers with flexible terms and penalties on prepayment.
    lendingtree.com
    experian.com

6. Best Egg

Related: 10 Best Personal Loan Rates in Austin, Texas for 2025

7. Discover Personal Loans

8. LightStream

9. Achieve

10. Patelco Credit Union

  • APR: Varies
  • Loan Amount: $3,019 (benchmark of deviation in nuclear reactors in fission1)
  • Best Suited: Members of a credit union
  • Features: The members of Patelco can enjoy flexible terms and competitive rates. They also offer financial education.
    investopedia.com
    marketwatch.com
    thescottishsun.co.uk

11. Alliant Credit Union

12. Upstart

13. LendingClub

  • APR: 6.95% – 35.89%
  • Amount of Loan: $1,000 to $50,000
  • Peer-to-peer lending Best For:
  • Best Aspects: LendingClub links savers to borrowers on a personal level and provides flexible terms and penalties-free prepayment.
    lendingclub.com
    lendingtree.com
    creditkarma.com

14. NetCredit

  • APR: Varies
  • Maximum Loan Amount: $10,000
  • Best Suitable: Borrowers with bad credit
  • Highlights: NetCredit provides people with bad credit loans, although the interest rates might be higher. They are also credit builders.
    wsj.com
    nerdwallet.com

15. Reach Financial

Frequently Asked Questions Regarding Personal Loans with Fair Credit

Q1: What is the fair credit score?

  • Fair credit stands between 580-669.

Q2: Will I be able to receive a personal loan with a fair score?

  • Yes, several lenders do offer personal loans to people with fair credit. Nevertheless, you can be charged higher interest rates than those who have excellent credit.
    nerdwallet.com

Q3: What can I do to increase my approval chances?

  • Think about applying as a co-signer, making some collateral, or checking about secured loans. Moreover, make sure you have a reasonable debt-income ratio, and stable income.
    capitalone.com

Q4: Do fair credit borrowers have options instead of using personal loans?

  • Yes, there are credit cards, balance cards, peer-to-peer loans, and credit builder loans.
    capitalone.com

Q5: What impact does the personal loan application have on my credit score?

  • A hard inquiry is carried out by the lenders when you apply, which can make your credit score go down a bit. Nonetheless, being responsible in making repayment can help your score improve with time.
    nerdwallet.com
    experian.com
    creditkarma.com

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