Personal Loans
Denied by Your Bank? Now What
What's actually different about applying through a matching network instead of one bank.
Bad Credit Personal Loans: Who Qualifies
What lenders actually check — debt-to-income ratio, income, not a fixed score cutoff.
How Many Loan Applications Is Too Many?
What actually counts against you when comparing lenders with bad credit, and what doesn't.
Interest Rates With Bad Credit
A realistic rate range to expect, and what actually moves you within it.
Bad Credit Loans vs. Credit-Builder Loans
One gets you cash now; the other builds your score for later.
Does a Loan Application Hurt Your Credit?
What a soft pull and a hard pull each actually do to your score.
Bad Credit Loan Approval Odds by State
Bad Credit Loan Approval Odds by State
See whether your state favors income-based approval or weighs credit history more.
Alabama
A $500 cap and 17.5% fee keep underwriting simple, which tends to favor bad-credit appr...
Alaska
No credit-score cutoff on a first-time $500 advance — approval is based on income and r...
Arizona
No traditional bad-credit product exists here — matches route to installment lenders th...
Arkansas
A 17% constitutional cap means bad-credit applicants are matched with personal-loan len...
California
Small advances under $300 don't hinge on a credit-score cutoff; larger installment amou...
Colorado
The 36% all-in cap moved lenders toward installment products where credit history carri...
Connecticut
A wage-assignment ban limits the credit-light advance structure other states allow.
Delaware
A $1,000 cap and up to 5 simultaneous advances mean more lenders competing for bad-cred...
Florida
A database check confirms you don't already have an advance outstanding — it isn't a cr...
Georgia
Loans under $3,000 structured as payday products are barred, pushing bad-credit applica...
Hawaii
Act 56 replaced the credit-light advance product with installment loans that weigh cred...
Idaho
No rate cap and a $1,000 limit mean lenders can approve bad-credit applicants without a...
Illinois
The 36% all-in cap moved lending toward installment products that weigh credit history ...
Indiana
A 3-advance concurrent limit is the only real constraint — approval isn't tied to a cre...
Iowa
A 2-advance limit doesn't hinge on credit score — approval is generally income-based.
Kansas
A per-lender 3-advance limit doesn't factor credit score into the decision.
Kentucky
A statewide database check verifies outstanding advances — it isn't a credit check.
Louisiana
A database-enforced one-advance-at-a-time rule doesn't hinge on credit score.
Maine
A 30% APR small-loan cap rules out the credit-light payday product, shifting bad-credit...
Maryland
A 33% usury cap shifts bad-credit borrowers toward personal-loan lenders that weigh cre...
Massachusetts
A low usury cap keeps the credit-light advance product out, so bad-credit borrowers fac...
Michigan
A statewide database check tracks outstanding advances, not credit history.
Minnesota
The 2024 36% cap shifted the market toward installment products that weigh credit histo...
Mississippi
A simple $500 all-in cap keeps underwriting income-based rather than credit-score-based.
Missouri
No state rate cap and a simple $500 structure keep approval income-based.
Montana
A voter-approved 36% cap pushed most non-tribal lenders toward installment underwriting...
Nebraska
Initiative 428's 36% cap shifted the market toward installment products that weigh cred...
Nevada
No state fee or rate cap gives lenders flexibility to approve bad-credit applicants on ...
New Hampshire
A 36% cap since 2009 keeps approval realistic for bad credit, though credit history fac...
New Jersey
A low usury cap keeps the credit-light advance product off the table.
New Mexico
The 2023 36% cap moved lending toward installment products that weigh credit history mo...
New York
A 25% criminal usury cap makes the credit-light advance product illegal outright.
North Carolina
Banned since 2001 — bad-credit borrowers rely on licensed personal-loan underwriting th...
North Dakota
A 20% fee cap and database check don't factor credit score into approval.
Ohio
Installment structure and a 91-day minimum term mean credit history factors in more tha...
Oklahoma
The Small Lenders Act framework keeps underwriting income-based rather than credit-scor...
Oregon
Despite the 36% cap plus origination fee, approval remains largely income-based rather ...
Pennsylvania
A 24% APR cap keeps the credit-light advance product out of the state.
Rhode Island
Income-based approval is typical today, but the upcoming 2027 rate cap may shift toward...
South Carolina
The Deferred Presentment Services Act was repealed effective January 2026, ending the c...
South Dakota
A 2016 voter-approved 36% cap moved most lenders toward installment underwriting that w...
Tennessee
Both the payday and flex-loan licensing frameworks support income-based approval.
Texas
No state rate cap and streamlined licensing give lenders flexibility to approve on inco...
Utah
No APR cap means lenders have flexibility to approve bad-credit applicants based on inc...
Vermont
A low usury cap keeps the credit-light advance product out of the state.
Virginia
Installment structure replaced the single-payment advance, weighing credit history a bi...
Washington
An 8-advance annual limit is the main constraint — approval is still mostly income-based.
Washington DC
A 24% APR cap makes the credit-light advance product effectively illegal.
West Virginia
No deferred-presentment advances are permitted, so bad-credit borrowers face more credi...
Wisconsin
No statutory rate cap gives lenders flexibility to approve bad-credit applicants based ...
Wyoming
No maximum advance amount and simple monthly-term underwriting keep approval income-bas...
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