Updated September 30, 2026 · BorrowCue Editorial Team
Top loans for bad credit compared in the United States
57 lenders available in the United States, ranked for the United States.
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  Alt LendingTop pick | 9.4/10 |
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| 2 |  LendKey 0.25% autopay interest rate reduction on private student loans: 0.25% APR reduction | 9.0/10 |
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| 3 |  Ibancar Prestamos | 9.0/10 |
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| 4 |  Bizcap | 9.0/10 |
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| 5 |  Brigit Brigit Premium plan includes free Express Delivery on cash advances: $15.99/month plan, free Express Delivery | 8.8/10 |
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| 6 |  Klover Klover+ 30-day free trial: 30 days free | 8.6/10 |
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| 7 | BadCreditLoans.com | 8.4/10 |
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| 8 |  AffinityPlus Credit Union | 9.4/10 |
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| ReviewCompareSee alternatives |
| 9 |  Ascent Funding | 9.4/10 |
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| ReviewCompareSee alternatives |
| 10 |  Sallie Mae | 9.4/10 |
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| ReviewCompareSee alternatives |
Licensed in the United States
- Alt Lending
- NMLS
- LendKey
- NMLS (National Mortgage Licensing System)
- Brigit
- NMLS (US)
- Brigit
- NMLS (US) - Coastal Community Bank, Member FDIC
- Brigit
- California Department of Financial Protection and Innovation (Income-Based Advance Provider, CCFPL registration)
- Brigit
- New Mexico Regulation and Licensing Department, Financial Institutions Division (Small Loan License)
- Brigit
- Connecticut Department of Banking (Small Loan Company License)
- AffinityPlus Credit Union
- National Credit Union Administration (NCUA)
- Ascent Funding
- Maryland
- Ascent Funding
- Connecticut
- Ascent Funding
- Kansas
- Ascent Funding
- Louisiana
- Ascent Funding
- Maine
- Ascent Funding
- Nebraska
- Ascent Funding
- New Jersey
- Ascent Funding
- New Mexico
- Ascent Funding
- North Carolina
- Ascent Funding
- North Dakota
- Ascent Funding
- Ohio
- Ascent Funding
- Oregon
Browse by category
- Personal loans in the United States
- Payday and short-term loans in the United States
- Debt consolidation loans in the United States
- Lines of credit in the United States
- Secured loans in the United States
- Mortgages in the United States
- Remortgage deals in the United States
- Car loans in the United States
- Business loans in the United States
- Private student loans in the United States
- Home equity loans and HELOCs in the United States
- Home improvement loans in the United States
- Cash advance apps in the United States
- Buy now, pay later in the United States
- Equity release in the United States
- Debt relief in the United States