Best fair / bad credit picks

Options built for rebuilding, with a path to lower rates. Compare our current picks, matched to your credit profile.

Editor's take: How we pick: we prioritize transparent APRs, no hidden origination surprises, and realistic approval odds.

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Great for fair creditRebuild Path Loan

774 reviews

APR range17.99%–35.99%

Amount$1,000–$15,000

Term24–48 months

Orig. fee2%–8%

Designed for rebuilding credit
Reports to all three bureaus
Rate-reduction path for on-time payments

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Debt consolidation Home improvement Major purchase Emergency

Frequently asked questions

You borrow a fixed amount and repay it in equal monthly installments over a set term at a fixed rate — so your payment never changes and you know your payoff date up front.

Pre-qualifying uses a soft inquiry that doesn't affect your score. A hard inquiry only happens if you formally apply for a chosen offer.

Most personal loans are flexible — consolidating credit-card debt, home projects, medical bills, or large one-off costs. Rates are usually lower than carrying a card balance.