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In some cases, a lender wont consider an application from a borrower with a credit score below a certain number. For the purposes of this piece, Im focusing on lenders who will make loans to customers with credit scores under 640. While this is considered average in some circles, lending criteria tightens below this mark.

The Best Bad Credit Loan Options. Best for Really Bad Credit: Bad Credit Loans. When it comes to getting a loan with really, really bad credit, your options are limited. The loans that do exist are often of the payday variety: low-dollar, short-term, and high-interest loans.

While a payday loan can provide much-needed cash in an emergency, high interest and fees can sbh personal loan apply it difficult to repay the loan in the short time period typically provided.

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