Personal Loans for a 300-to-399 Credit Score
Compare top personal loan options for bad credit scores in the 300–399 range. Or, get personalized offers in less than 60 seconds with no impact on your score.
There were more loans to choose from than I was expecting. Who knew obtaining home remodel financing could be so easy!
– Ann S.
Personal Loans for Bad Credit Scores Ranging from 300 to 399
Sadly, when you have a 300-to-399 credit score, it is going to be horribly difficult to get approved for a high-dollar unsecured personal loan. While there are lenders who are willing to work with people with low credit scores, you will likely need to improve your score substantially to obtain a traditional personal loan with favorable terms.
Even so, you can still view a list of our top lending partners below to see which are currently offering to work with people with a credit score in the 300s, or visit our partner CreditNinja now to see if they can issue you a small, bad-credit-score personal loan of up to $2,500.
If someone isn’t able to approve you due to your current financial circumstances and you need funding right away, you could browse the Internet for no-credit-check installment loans, find a local payday lender, or look into secured lending options such as a car title loan. However, approval cannot be guaranteed without seeing your finances.
Reputable lenders that work with bad credit to provide personal loans.
Obtain a 300–399 credit score loan fast when you apply online.
Compare Rates From Top Lending Partners
How we choose our Editor’s Choice: Our independent editorial review evaluates lenders across several factors that matter to typical borrowers, including interest rate ranges, fees, loan terms, customer reviews, and credit score requirements. When designated, our Editor’s Choice represents the editor’s best overall pick across the site based on this review; individual rates, terms, and approval outcomes may vary depending on each borrower’s situation.
Using our platform to find personal loans for home improvement projects or other purposes is a safe way to evaluate loan options and connect with providers. We protect our website with SSL, which encrypts your browser connection to help prevent unauthorized access to your information.
When you only go to your local bank or credit union to seek a personal loan, you will severely limit the number of products you see. Use our website to compare multiple personal loan options from top online lenders and get matched with the best lending partners meeting your criteria.
We don’t verify your finances when using our website and financial-matching technology. Instead, our tools help you analyze the best personal loan offers based on the information you provide us. When you leave our site to get prequalified, our partners will usually perform a soft credit inquiry and then verify your full credit report using a hard pull after you officially apply for a loan.
APRfinder has served individuals and businesses for over a decade and responds promptly to support requests. We also don’t sell your information to other companies. Instead, we provide resources and tools to help you make smarter borrowing decisions. We only make a commission when you click through a partner link and take an action such as applying for or receiving a loan.
Answers to Your Personal Loan Questions
What is an unsecured personal loan?
An unsecured personal loan is money borrowed from a bank, credit union, or another lender, not secured by property such as a home or vehicle. All funds are issued at once and paid back over time with set monthly payments. Most of our lending partners provide access to unsecured personal loans. However, some lenders may present you with a personal loan that requires collateral.
What can I use a personal loan for?
You can use personal loans to finance a wide range of individual, family, household, and business purposes. That could include paying for small and large home improvement projects, paying off credit cards and bills, consolidating debt, covering educational expenses, financing a vacation, medical expenses, moving, buying a car, a wedding, or other costs.
However, some lenders may not permit you to use the funds for purchasing real estate, paying business expenses, making investments, or other non-traditional uses. Be sure to check with the lender before submitting your completed application.
How much money can I borrow?
Most lenders in our network provide personal loans from $1,000 to $50,000. However, you may be able to find a company willing to lend you as low as $100 and up to $75,000 or more.
Do personal loans have a fixed or variable interest rate?
The majority of personal loans offered through our network of providers come with a fixed interest rate and monthly payments.
How long does it take to receive funds?
Many lenders will require you to have a bank account available for them to deposit your funds. Once you have accepted your final loan offer, you may receive funds in a checking or savings account the same day.
Once the loan is final, you will typically receive the money in your account on the next business day. However, some credit unions and banks can take up to three days to process funding into your account. Otherwise, receiving a check could take up to a week.
How long do I have to pay back my loan?
Personal loans from our partners typically need to be repaid within one to seven years. You can select an offer from the available loan options and request terms that best fit your needs, but each lender may require specific repayment terms to get you approved.
Will checking my rate affect my credit score?
Most initial rate checks will only perform a soft credit inquiry and won’t impact your credit score. However, if you accept your rate and proceed with a formal application, the company will eventually make a hard credit inquiry to verify your information and finalize the loan. We do not check your credit when matching you with lenders on our site.
What People Are Saying!
There were more loans to choose from than I was expecting. Who knew obtaining home remodel financing could be so easy!
– Ann S.
I didn’t realize how much interest I would save by using a low-interest-rate personal loan rather than my credit card. Thanks!
– Sarah L.
Connecting with a home improvement personal loan lender through APR finder is as easy as 1-2-3!
– Mike M.
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