Bad-credit personal loans work much like personal loans for borrowers with fair, good or excellent credit. You'll complete an application and, if approved, receive your funds and start repayment.

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We looked at fees, interest rates and flexible repayment options for different credit scores to find the best bad credit personal loans. Best Bad Credit Personal Loans of July 2025 ...

Your credit mix refers to the different types of credit accounts you have, including credit cards, student loans, mortgages, etc., and it makes up 10% of your credit score.

We rate all personal loan products in our reviews and guides on a 1-5 scale. ... and terms you may qualify for, without affecting your credit score. Complete the loan application: ...