There are several personal lenders and online lending marketplaces that specialize in loans for consumers who don’t have excellent credit. If you have bad credit, there are viable loan options. At Upstart, our AI model looks beyond your credit score and factors in a borrower’s education² and employment when assessing creditworthiness and credit risk. You can see if you’re able to get approved, and what your rate would be without impacting your credit score when you check your rate.
²Neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
Are credit cards or personal loans worse for credit?
