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Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”
Having a fair credit score could make it more difficult to qualify for a personal loan. However, there are personal loan lenders that provide options for borrowers with fair credit.
15 personal loans for a 600 credit score
There are several personal loan lenders willing to work with borrowers who have a fair credit score — generally meaning a score between 640 and 699.
Here are Credible’s partner lenders that offer personal loans to borrowers with credit scores in the 600s:
| Lender | Fixed rates | Loan amounts | Min. credit score |
|---|---|---|---|
Credible Rating  Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
9.95% – 35.99% APR |
$2,000 to $35,000** | 550 |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
4.99% – 35.99% APR |
$2,000 to $50,000 | 600 |
|
|||
 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
5.99% – 24.99% APR |
$2,500 to $35,000 | 660 |
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|||
 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
7.99% – 29.99% APR |
$10,000 to $50,000 | Not disclosed by lender |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
7.04% – 35.89% APR |
$1,000 to $40,000 | 600 |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
9.99% – 35.99% APR |
$2,000 to $36,500 | 580 |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
2.49% – 19.99% APR |
$5,000 to $100,000 | 660 |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
6.99% – 19.99% APR1 |
$3,500 to $40,0002 | 660
(TransUnion FICOÂ®ï¸ Score 9) |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
18.0% – 35.99% APR |
$1,500 to $20,000 | None |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
5.99% – 24.99% APR |
$5,000 to $40,000 | 600 |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
4.99% – 17.99% APR |
$600 to $50,000 (depending on loan term) |
660 |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
6.95% – 35.99% APR |
$2,000 to $40,000 | 640 |
|
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
4.74% – 19.28% APR10 |
$5,000 to $100,000 | Does not disclose |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
5.94% – 35.97% APR |
$1,000 to $50,000 | 560 |
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 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. |
4.37% – 35.99% APR4 |
$1,000 to $50,0005 | 580 |
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In this post:
Avant
Avant personal loans range from $2,000 up to $35,000, with repayment terms from two to five years. If you’re approved, you might get your funds as soon as the next business day.
Best Egg
With Best Egg, you can take out a $2,000 loan up to a $50,000 loan. You can use a Best Egg loan for a wide variety of purposes, including debt consolidation and home improvement.
Discover
Discover could be a good choice if you’re looking for a longer repayment term — you’ll have up to seven years to repay a Discover loan.
Also keep in mind that Discover provides a 30-day guarantee: If you decide within 30 days that you don’t want your Discover loan, you can return the funds via check with no interest.
FreedomPlus
With FreedomPlus, you can borrow up $50,000 with a term of two to five years.
Keep in mind that you might qualify for a lower interest rate if you use 85% of your loan to pay off existing debt — which could make FreedomPlus a good option if you want to consolidate high-interest debt.
LendingClub
LendingClub offers personal loans up to $40,000 and is one of the few lenders that allow cosigners on personal loans. If you’re having a hard time qualifying for a loan, applying with a cosigner could improve your chances of getting approved.
LendingPoint
LendingPoint primarily offers personal loans to borrowers with fair credit, which might make a LendingPoint loan easier to qualify for if you have less-than-perfect credit. With LendingPoint, you can borrow $2,000 to $36,500.
LightStream
With LightStream, you can borrow up to $100,000. Most LightStream loans come with a term ranging from two to seven years, but you might have up to 12 years if you take out a personal loan specifically for home improvements.
Marcus
Marcus offers personal loans up to $40,000 with flexible repayment options. Also, if you make consecutive, on-time payments for 12 months on your Marcus loan, you can defer your payment for a month with no interest.
OneMain Financial
If you don’t need to borrow very much money, OneMain Financial might be a good option. You can borrow $1,500 up to $20,000 — just keep in mind that higher loan amounts might require collateral.
Payoff
If you want to consolidate high-interest credit card debt, a Payoff personal loan could help. You can borrow up to $40,000 and will have up to five years to repay the loan.
PenFed
PenFed could be a good choice if you’re looking for small loans — you can borrow as little as $600 all the way up to $50,000, with terms ranging from one to five years.
You can use a PenFed loan for debt consolidation, home improvement, and more.
Prosper
Prosper operates a peer-to-peer, online marketplace, with loans available from $2,000 up to $40,000.
Keep in mind that investors will have to commit to funding your loan, which could take up to 14 days. Your loan might also not be funded, in which case you’ll have to create a new listing.
SoFi
SoFi offers personal loans ranging from $5,000 up to $1000,000, making it a good choice for larger loan amounts. If you take out a loan with SoFi, you’ll also enjoy member perks like unemployment protection.
Upgrade
If you need money quickly, Upgrade could be a good option — if you’re approved, you could have your Upgrade loan funds within a day of clearing necessary verification. You’ll also get access to free credit monitoring and educational resources.
Upstart
With Upstart, you can borrow $1,000 to $50,0005. Keep in mind that Upstart will also consider your education and job history in addition to your credit score, meaning you might qualify even if you have little to no credit history.
Learn More: Where to Get a Personal Loan
How to apply for a personal loan with a 600 credit score
If you’re ready to apply for a fair-credit personal loan, follow these four steps:
- Review your credit. Lenders will check your credit to determine your creditworthiness. It’s a good idea to double-check your credit report ahead of time to make sure there are no errors. You can check your credit report for free at AnnualCreditReport.com.
- Compare lenders and choose your loan option. Be sure to compare as many lenders as possible to find the right loan for you. Consider not only rates but also repayment terms and any fees charged by the lender. After researching lenders, choose the loan that best fits your needs.
- Fill out the application. After deciding on the lender, you’ll need to complete the full application and submit any required documentation, such as tax returns or bank statements.
- Get your funds. If you’re approved, the lender will have you sign for the loan so they can release the funds to you (often through direct deposit). The time to fund for personal loans is typically a week or less — though some lenders will get you your money as soon as the next business day.
It’s also a good idea to consider how much a low interest personal loan will cost you over time. You can estimate how much you’ll pay for a loan using our personal loan calculator below.
Enter your loan information to calculate how much you could pay
Total Payment
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Total Interest
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Monthly Payment
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With a
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loan, you will pay
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monthly and a total of
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in interest over the life of your loan. You will pay a total of
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over the life of the
loan.
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Can you get a personal loan with a 600 credit score?
Yes, you can get a personal loan with a 600 credit score — there are even lenders that specialize in offering fair credit personal loans.
Even if you don’t need a cosigner to qualify, having one might get you a lower interest rate than you’d get on your own.
Here are Credible’s partner lenders that offer cosigned personal loans:
If you decide to take out a personal loan, remember to consider as many lenders as possible to find a loan that fits your needs. Credible makes this easy — you can compare your prequalified rates from multiple lenders in two minutes.
Ready to find your personal loan?
You can use Credible to compare rates from multiple lenders in 2 minutes. Just keep in mind, you won’t be able to get a personal loan with a cosigner through Credible.
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Checking rates won’t affect your credit
Learn More: How to Get a $5,000 Personal Loan
How to raise your credit score
If you can wait to take out a loan, spending some time improving your credit score first could help you qualify for lower interest rates and better loan terms.
Keep in mind that having a lower interest rate could help you save money on your loan over time.
Here are several ways to potentially build credit:
- Pay your bills on time. Your payment history accounts for 35% of your credit score. Paying all of your bills — such as utility and credit card bills — on time could help improve your credit over time, especially if you’ve missed payments in the past.
- Reduce existing debt. Your credit utilization (the amount of credit you’ve used compared to your total available credit) makes up 30% of your credit score. If you can pay down the balances on your accounts, you might see a boost to your credit.
- Dispute issues on your credit report. One in five people have errors on their credit reports, according to the Federal Trade Commission. If you’re one of these people, you could end up with less favorable loan terms — or even damaged credit. Take some time to review your credit report and dispute any issues with the major credit bureaus.
If you want to improve your fair credit score, aiming for a score anywhere from 670 to 739 is a good place to start — this will put you in the good credit range and will likely qualify you for better rates and terms.
Keep Reading: No Credit Check Personal Loans
About Rates and Terms: Rates for personal loans provided by lenders on the Credible platform range between 4.99-35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 12, 2019, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
