Best personal loans for bad credit for October 2025

Personal loans often have lower rates than credit cards, making them a less expensive alternative if you need to finance an unexpected cost or consolidate debt. But if you have bad credit, it can be harder to find a lender that’s willing to work with you. While it might be difficult to qualify for a personal loan if you have bad credit, it’s not impossible. We’ve pulled together this list of the best personal loans for bad credit to help with your search. LendingClub: Best overall Our take: Offering ...