Personal loans for less-than-perfect credit
We use 100% internal decisioning — not a single credit-bureau cutoff — so all credit tiers are welcome to apply for a fixed 10% APR loan.
All credit tiers welcome
We look at your full picture — income and affordability — not just a single score.
Checking your rate is soft
Seeing your offer won't affect your credit score, so it's safe to apply.
The same fixed 10% APR
Your rate doesn't change based on your credit tier — everyone gets 10% APR.
How it works
Apply in minutes
Tell us how much you need and a few details about your income and housing. It takes about 3 minutes and won't affect your credit score.
Verify your details
Securely connect your bank so we can confirm your account, then e-sign your agreement. A specialist may call to confirm a few details.
Get funded
Once you're approved and verified, we send your funds by ACH — typically within 24 hours of signing.
Frequently asked questions
Every approved applicant receives the same fixed 10% APR. The rate does not vary by credit score, loan amount, or term.
Ready to get started?
Check your rate for a $2,000.00–$50,000.00 loan at a fixed 10% APR. It won't affect your credit score.