Lenders that accept sub-620 credit.
A credit score below 620 narrows the field of lenders but doesn't eliminate it. The lenders below specifically serve sub-620 borrowers — at higher APRs, with smaller loan amounts, and usually with stricter income verification. Compare carefully before accepting any offer.
Editorial review of Alpha Lending is in progress. Final scoring and methodology notes ship with the next content release.
APR
5.99%–24.99% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
580+ credit
Editorial review of Beta Financial is in progress. Final scoring and methodology notes ship with the next content release.
APR
6.24%–24.49% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
600+ credit
Editorial review of Gamma Bank is in progress. Final scoring and methodology notes ship with the next content release.
APR
6.49%–23.99% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
620+ credit
Editorial review of Delta CU is in progress. Final scoring and methodology notes ship with the next content release.
APR
6.74%–23.49% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
640+ credit
Editorial review of Epsilon Direct is in progress. Final scoring and methodology notes ship with the next content release.
APR
6.99%–22.99% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
580+ credit
Editorial review of Zeta Capital is in progress. Final scoring and methodology notes ship with the next content release.
APR
7.24%–22.49% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
600+ credit
Editorial review of Eta Lending is in progress. Final scoring and methodology notes ship with the next content release.
APR
7.49%–21.99% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
620+ credit
Editorial review of Theta Loans is in progress. Final scoring and methodology notes ship with the next content release.
APR
7.74%–21.49% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
640+ credit
Editorial review of Iota Mortgage is in progress. Final scoring and methodology notes ship with the next content release.
APR
7.99%–20.99% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
580+ credit
Editorial review of Kappa Trust is in progress. Final scoring and methodology notes ship with the next content release.
APR
8.24%–20.49% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
600+ credit
Editorial review of Alpha Lending is in progress. Final scoring and methodology notes ship with the next content release.