The Easiest Personal Loans to Get in 2025!
Personal loans can cover expenses for weddings, vacations, home repairs, emergency expenses, and more. However, if your credit is not good or you are looking for more flexible terms, you may think that you don't have access to good financing options.
Luckily, many personal lenders cater to applicants with average or poor credit, offering flexible terms with low minimum loan amounts. Even better, you may be able to get approved for a loan and receive funding in as little as one day. Below, the easiest personal loans are ranked based on credit score requirements, terms, and funding time. (Read more about these methods below.)
Best for Bad Credit: Avant Personal Loans
Who's it for? Avant Personal Loans is a great choice when you need money fast but have a low credit score.
Loan Purpose: Debt Consolidation, Large Expenses, Emergency Expenses, Home Improvements
Loan Amount: $2,000 to $35,000
Credit Required: Poor/Fair
Pros
• Offers loans to applicants with lower credit scores
• No early repayment fees
• Fast funding (usually next day)
• 10-day grace period for extended payments
Best for Flexible Terms: OneMain Financial Personal Loans
Who's it for? OneMain Financial personal loans may be a good option if you want to choose from a variety of loan terms: 24, 36, 48, or 60 months.
Loan Purpose: Debt Consolidation, Major Expenses, Emergency Expenses
Loan Amount: $1,500 to $20,000
Credit Required: Poor/Fair
Pros
• Approved for applicants with bad or fair credit
• No early repayment fees
• Reasonable loan minimum ($1,500) for smaller needs
Best for No Credit History: Upstart Personal Loans
Who is this service for? If you haven’t built up enough credit history, Upstart may be one of your best loan options because it considers factors other than credit score when considering loan applications.
Loan Purpose: Debt Consolidation, Credit Card Refinancing, Wedding, Moving, or Medical
Loan Amount: $1,000 to $50,000
Pros
• Will accept applicants with insufficient credit history and no credit score
• No early repayment fees
• 99% of personal loan funds will be sent the next business day after required documents are completed before 5pm, Monday to Friday
Best for Longer Loan Terms: Upgrade Personal Loan
Who is it for? If you want more time to pay back your loan, Upgrade is ideal as it offers loan terms of up to 84 months, the longest of all providers on this list.
Loan Purpose: Debt consolidation/refinancing, home improvements, major purchases
Loan Amount: $1,000 to $50,000
Benefits
•No prepayment fees
•Loans up to $50,000
•Fixed interest rates
•Can pay creditors directly
With so many options, how do you compare personal loans?
Here are things to consider when taking out a loan:
APR: A higher interest rate means you’ll have to pay more over the life of the loan, so it’ll cost you more to borrow. Some lenders will offer you a lower APR if you sign up for automatic payments.
Fees: Many personal loans come with application fees, origination fees, prepayment penalties, and late fees. While you can't avoid these fees completely, the fewer they are, the lower your loan costs.
Loan term: The loan term refers to the amount of time you have to repay the loan in full. Generally speaking, the longer the repayment term, the lower your monthly repayment amount. This makes a long-term loan more affordable for your monthly budget, but you may pay more in interest during the loan.
When to receive funds: Funding disbursement time varies from lender to lender. Most lenders can provide you with funds within 3-5 business days. But if you need emergency cash, choose a lender with a faster turnaround time.
