LOANS FOR BAD CREDIT IN USA TOP 7 LENDERS

· APR Range: 8.49% - 35.99% · Loan Amount: $1,000 - $50,000 · Loan Terms: 24 months - 84 months Why We Chose It: Upgrade is recognized for its fair lending practices, lower minimum credit score requirements, generous borrowing limits, and extended repayment terms. While the upper end of the interest rate range is relatively high, competitive starting rates make Upgrade loans accessible to individuals with bad credit.

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· APR Range: 6.40% - 35.99% · Loan Amount: $1,000 - $50,000 · Loan Terms: 36 months - 60 months Why We Chose It: Upstart distinguishes itself by having one of the lowest minimum credit score requirements (300) and offers fast funding, making it a viable option for those with poor credit.

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· APR Range: 8.99% - 35.99% · Loan Amount: $5,000 - $50,000 · Loan Terms: 24 months - 60 months · Why We Chose It: Achieve is an excellent choice for debt consolidation, offering a loan discount for paying creditors directly and additional rate reductions for using a co-borrower or demonstrating retirement savings.

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· APR Range: 7.99% - 35.99% · Loan Amount: $2,000 - $36,500 · Loan Terms: 24 months - 72 months · Why We Chose It: LendingPoint distinguishes itself by providing longer repayment terms (up to 72 months), offering flexibility for those with bad credit.

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· APR Range: 8.95% - 17.90% · Loan Amount: $300 - $100,000 · Loan Terms: 6 months - 84 months · Why We Chose It: Patelco stands out for its high maximum loan amount, pre-qualification availability, and unique rate reduction program (LevelUp) for consistent, on-time payments.

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· APR Range: 8.99% - 23.99% · Loan Amount: $2,000 - $50,000 · Loan Terms: 36 months - 60 months · Why We Chose It: TD Bank provides a more traditional banking experience, quick loan approval, and competitive APRs. However, it's only available in select states.

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· APR Range: 8.99% - 18.00% · Loan Amount: $500 - $50,000 · Loan Terms: 24 months - 84 months · Why We Chose It: First Tech FCU allows loan refinancing and appears flexible in working with borrowers across various credit ranges.

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· APR Range: 6.40% - 35.99% · Loan Amount: $1,000 - $50,000 · Loan Terms: 36 months - 60 months Why We Chose It: Upstart distinguishes itself by having one of the lowest minimum credit score requirements (300) and offers fast funding, making it a viable option for those with poor credit.

· APR Range: 7.99% - 35.99% · Loan Amount: $2,000 - $36,500 · Loan Terms: 24 months - 72 months · Why We Chose It: LendingPoint distinguishes itself by providing longer repayment terms (up to 72 months), offering flexibility for those with bad credit.

· APR Range: 8.95% - 17.90% · Loan Amount: $300 - $100,000 · Loan Terms: 6 months - 84 months · Why We Chose It: Patelco stands out for its high maximum loan amount, pre-qualification availability, and unique rate reduction program (LevelUp) for consistent, on-time payments.

· APR Range: 8.99% - 23.99% · Loan Amount: $2,000 - $50,000 · Loan Terms: 36 months - 60 months · Why We Chose It: TD Bank provides a more traditional banking experience, quick loan approval, and competitive APRs. However, it's only available in select states.

· APR Range: 8.99% - 18.00% · Loan Amount: $500 - $50,000 · Loan Terms: 24 months - 84 months · Why We Chose It: First Tech FCU allows loan refinancing and appears flexible in working with borrowers across various credit ranges.

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