We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more.
Personal loans can be a great way to consolidate your debt or pay for an unexpected expense. You can apply in just minutes and have the funds deposited within a few days. Plus, most loans don’t require any collateral to qualify. The catch is that if you don’t have the best credit score, it may be hard to qualify and your loan options will likely be more limited.
But several companies offer personal loans to borrowers with fair credit, and some even allow co-signers and co-applicants to help you qualify. We reviewed more than 40 lenders, taking into consideration factors like interest rates, fees, loan amounts, and repayment terms to help you find the right loan for your circumstances.
Best Personal Loans for Fair Credit of September 2023
Company | APR | Credit Score est. | Loan Amount | More Details |
---|
Compare Personal Loan Rates with Our Partners at Fiona.com
Best for Access to Small Loans : PenFed Credit Union
:fill(white):max_bytes(150000):strip_icc()/penfed-2e2d3e6cceca42e695361d98ad185799.png)
- APR Range: 7.99% - 17.99%
- Loan Amount: $600 - $50,000
- Loan Terms: 12 months - 60 months
PenFed is an excellent choice for small fair credit personal loans. It offers loans as low as $600 with no loan fees, and the possibility of one-day funding.
May receive funding within one day
Borrow up to $50,000
PenFed membership required
PenFed is a national credit union that offers banking services and loans to members. You do need to join PenFed to qualify for a loan, but membership is free.
PenFed offers pre-qualification on all personal loans, meaning you can submit a short application and check your rate without hurting your credit score. You can even pre-qualify without being a member just to see your rate, but you do need to join to actually receive funding.
PenFed also doesn’t charge any loan fees, such as origination fees or prepayment penalties. And though co-signers are not allowed, co-applicants are, meaning you can have someone else apply with you to help you qualify. Overall, PenFed offers great loan rates, no fees, and minimal credit to receive a loan.
- Be a PenFed member
- Live in the United States
- Be the age of majority as defined by state of residence
- Be a United States citizen (PenFed does not support non-citizen permanent residents)
- Qualify based on financial history, credit history, and other factors
Best for Small Loan Amounts : Upgrade
:fill(white):max_bytes(150000):strip_icc()/Upgrade-Logo-bc0ec4b2fc0b48daaefbde361ccabe98.jpeg)
- APR Range: 8.49% - 35.99%
- Loan Amount: $1,000 - $50,000
- Loan Terms: 24 months - 84 months
Upgrade is our pick as the best for small loan amounts because it offers next-day funding, allows co-applicants and offers loans as low as $1,000.
Next-day funding available
Co-applicants allowed
1.85% to 9.99% origination fee
Late payment fee of $10
Upgrade offers personal loans starting at just $1,000. This presents an opportunity for more applicants to qualify, but take note that borrowers with poor credit will tend to get higher fees and rates. But if you do have poor credit, you can apply with a co-applicant to help you qualify for a better rate.
The application process is seamless, with the ability to pre-qualify within a few minutes to see your rates and loan options. You can then complete the application online and receive your funds within a day or so. Loan terms are available from 24 months up to 84 months, and rates start as low as 8.49%.
Upgrade charges an origination fee, which is taken directly from your loan balance. The fee is up to 9.99%, which can be costly on larger loans. And there is a late fee for payments at least 15 days late, but it is only $10, which is relatively small. Overall, Upgrade makes the process of obtaining a loan simple and is a good choice for people who don’t have the best credit.
- Be a U.S. citizen or permanent resident, or living in the U.S. on a valid visa
- Be at least 18 years old (19 years old in Alabama and certain other states)
- Provide a verifiable bank account
- Provide a valid email address.
- Borrow a minimum of $1,000
- Qualify based on credit history, credit usage, and payment history
- Apply with a qualifying co-applicant if needed
Best for Low Fees : LendingPoint
:fill(white):max_bytes(150000):strip_icc()/Lending_point-0c7ee89ac6da4e3488048aa04dbfeee2.jpg)
- APR Range: 7.99% - 35.99%
- Loan Amount: $2,000 - $36,500
- Loan Terms: 24 months - 72 months
LendingPoint has no prepayment or application fees, waives the origination fee for some borrowers and offers low rates, making it the best for low fees.
Origination fee waived for some
No application or prepayment fees
Interest rates start at 7.99%
Can only borrow up to $36,500
No co-applicants or co-signers
LendingPoint offers personal loans with minimal fees and low interest rates. There are no application or prepayment fees assessed, and select borrowers may qualify to have the origination fee waived as well.
Loans are available from $2,000 up to $36,500, and interest rates start at only 7.99%. Loan repayment terms are available from 24 months up to 72 months in length, and you can pre-qualify to check your rates and terms without hurting your credit score.
There is no minimum credit score needed to apply, though you can’t apply with a co-signer or co-applicant, so you’ll need to qualify on your own. LendingPoint is a good option for borrowers with fair credit looking to save on fees for smaller loans.
- Be 18 years or older
- Be able to provide a U.S federal, state, or local government-issued photo ID
- Have a Social Security number
- Have a minimum annual income of $35,000 (from employment, retirement, or some other source)
- Have a verifiable personal banking account in your name
- Not reside in Nevada or West Virginia
Best for High Loan Amounts : LightStream
:fill(white):max_bytes(150000):strip_icc()/Light_Stream_Loans-e56c203492c44dba97aa3f6842791277.jpg)
- APR Range: 7.99% - 25.49%
- Loan Amount: $5,000 - $100,000
- Loan Terms: 24 months - 144 months
LightStream offers loans with low credit score requirements for up to $100,000, making it our pick as the best for high loan amounts.
Borrow up to $100,000
No fees on loans
Same-day funding available
Low rates available
Must borrow at least $5,000
No pre-qualification
LightStream is part of Truist Bank and offers personal loans up to $100,000 in total. Borrowers can choose from a wide range of repayment terms (up to 12 years in length). There are no fees on LightStream loans, including no application, origination, prepayment, or late payment fees. It’s recommended that you have a minimum 660 credit score for the best chance of approval.
LightStream offers an online application process, and funds may arrive the same business day if you complete your application and verification by 2:30 p.m. ET. You can’t apply at a Truist Bank location, as LightStream is a separate company that only offers online loans.
LightStream applicants can apply with a co-borrower, further increasing the chances of qualifying and getting a better rate. But LightStream doesn’t offer pre-qualification, which means you need to submit a completed application to see your loan rates and terms.
If you are looking for a large personal loan, LightStream is a great option.
Submitting an application will result in a hard credit pull, which can affect your credit score.
- Be at least the age of majority in your state
- Be a U.S. citizen, eligible permanent resident, or non-permanent resident alien
- Reside in one of the 50 U.S. states or Washington, D.C.?
- Minimum recommended credit score of 660
- Qualify based on financial history, credit score, and other factors
Best for Flexible Terms : Discover
:fill(white):max_bytes(150000):strip_icc()/Discover_PersonalLoans_Primary_Logo_RGB-22e400594a1e4c1fbb0f412ec03c6444.jpg)
- APR Range: 7.99% - 24.99%
- Loan Amount: $2,500 - $40,000
- Loan Terms: 36 months - 84 months
Discover offers a wealth of loan terms and a wide range of borrowing amounts, as well as no loan application or funding fees. This makes it our pick as the best for flexible terms.
Loan terms up to 7 years
No application, origination, or prepayment fees
Low interest rates
Late payment fee of $39
No co-signers or co-applicants
Discover offers personal loans with low interest rates to applicants, with a recommended minimum 660 credit score. Discover loans can be repaid for 36 months up to 84 months, and there are no fees for applying for or funding your loan. Rates also remain the same, no matter which term length you apply for.
Discover offers loans starting at $2,500 up to $40,000, and rates start as low as 7.99%. This interest rate is lower than many lenders, and even the maximum of 24.99% isn’t that high compared to others. Discover loans are great for debt consolidation or other small to medium-sized needs.
Discover doesn’t allow co-signers or co-applicants on personal loans, so you must have a fair credit score and income to qualify on your own. And though there are no origination or application fees, Discover does charge a $39 late payment fee, even if you are only one day late.
- Be a U.S. citizen or permanent resident
- Be at least 18 years old
- Have a minimum household income of at least $25,000
- Qualify based on financial history, credit score, and other factors
- Have an active email address and access to a computer
Best for Quick Funding : Rocket Loans
:fill(white):max_bytes(150000):strip_icc()/rocket-loans-39dad76a718d445693212567e23a7841.png)
- APR Range: 9.12% - 29.99%
- Loan Amount: $2,000 - $45,000
- Loan Terms: 36 months - 60 months
Rocket Loans offers pre-qualification and same-day funding for loans with clear terms, making them the best for quick funding.
Same-day funding available
Pre-qualification available
Origination fee up to 9%
Only two repayment terms
Rocket Loans offers same-day funding on personal loans, allowing you to borrow up to $45,000 quickly. If your application is completed and the promissory note is signed by 1 p.m. Eastern Time, funds may be deposited into your account that same day.
Rocket Loans does charge up to a 9% origination fee, and rates can be as high as 29.99%. Rocket Loans is a great choice for borrowers that need funds quickly, but keep an eye on the fees and compare overall costs to other lenders.
- Be at least 18 years old
- Be a U.S. resident
- Monthly income is reviewed
- Tax forms may be reviewed
- Debt-to-income ratio (DTI) is reviewed
- Overall credit history and credit score are reviewed
Best for Debt Consolidation : Achieve
:fill(white):max_bytes(150000):strip_icc()/2022_Achieve_Logo_RGB-91c318d8c6ae417c836249a2c1bfdf54.jpg)
- APR Range: 7.99% - 35.99%
- Loan Amount: $5,000 - $50,000
- Loan Terms: 24 Months - 60 Months
Achieve has the best fair credit loans for debt consolidation because it pays creditors off directly and offers many loan discounts.
Pays off creditors directly
Minimum credit score of 620
Multiple loan discounts available
Origination fee up to 5.99%
$5,000 minimum
Achieve (formerly Freedom Plus) offers debt consolidation personal loans to borrowers with fair credit, only requiring a credit score of 620 to qualify. Loans can be funded in as soon as two business days, and there are several loan discounts available. There is a discount for applying with a co-applicant, and even a discount if you allow Achieve to pay your creditors directly when consolidating your debt.
Loans are available from $5,000 up to $50,000 in total, and rates start at 7.99%. Multiple debts can be consolidated into a single loan, helping lower your interest rates and simplify your monthly payments.
Achieve charges an origination fee, ranging from 1.99% up to 5.99%, so it is important to calculate the cost before completing your application. You can pre-qualify for the loan in just a few minutes online to see your rates and loan term options.
If you are hoping to consolidate your debt, Achieve is worth a look.
- Be a U.S. citizen or permanent resident
- Be at least 18 years old
- Have a valid Social Security number
- Provide proof of income and employment
- Provide proof of identity
- Qualify based on financial history, credit score, and other factors
Best for Military Members : Navy Federal Credit Union
:fill(white):max_bytes(150000):strip_icc()/navy-federal-credit-union-2cf8ae64daa040dc85d84da392c99c93.jpg)
- APR Range: 7.99% - 18.00%
- Loan Amount: $250 - $50,000
- Loan Terms: 6 months - 180 months
Navy Federal is our pick as the best option for military members with fair credit because it is available to all military members while also offering low rates, no fees and flexible terms.
No origination or prepayment fees
Flexible loan terms
Low minimum loan amount
No pre-qualification available
Membership required
Navy Federal is a credit union that is open to all military members and their families. Navy Federal offers personal loans with low rates, repayment terms up to 15 years in length and no origination fees. There is no minimum credit score required to apply, although your credit history will play a role in loan approval.
Navy Federal offers a few different loan options, including personal loans, home improvement loans and even secured loans. While shorter-term loans offer low rates (under 8% APR), longer term loans do charge a higher APR (over 15% for terms longer than three years).
Navy Federal also requires higher minimums for longer-term loans, with a $25,000 minimum for loan terms over five years, and a $30,000 minimum for loans over seven years. And prequalification isn’t available, so you will need to complete a full application to see your rates.
Navy Federal is a great option for military members to access personal loans, even with poor credit. But you must be a Navy Federal member to apply.
- Be a Navy Federal member
- Be at least the age of majority in your state
- Be a United States citizen, eligible permanent resident, or non-permanent resident alien
- Reside in one of the 50 U.S. states or Washington, D.C.?
- Qualify based on credit history, income, and other financial factors
Compare the Best Personal Loans for Fair Credit of September 2023
Best For |
APR Range
|
Average Origination Fee
|
Late Fee
|
Time To Receive Loan
|
Loan Amount
|
Latest Repayment
|
Reset All
|
---|
Final Verdict
If you have a lower credit score, there are still plenty of options for personal loans. Not all companies require great credit, and applying with a co-signer or co-applicant will increase your chances of qualifying—and getting a better rate.
PenFed offers great rates and flexible loan terms for borrowers, and membership is open to anyone. There are no hidden fees or costly origination fees on its personal loans, making it a cheaper option than other lenders. The other companies on this list are great for borrowers looking for a lender that can work with their personal financial situation.
Guide to Choosing the Best Personal Loans for Fair Credit
Should You Get a Fair Credit Personal Loan?
If you have fair credit and you’re thinking about getting a personal loan, there are a few things you should consider before making a decision. Some of the most important considerations are why you need the loan, how quickly you can repay it, what you can afford, and if you can qualify.?
- Why you need the loan: A personal loan can be a good option if you have a one-time expense you want to pay off over time or if you want to consolidate debt into a lower fixed-rate payment. It’s a better option than a credit card for these purposes since you’ll pay the debt in full at the end of the repayment period and will usually get a lower rate.
- How quickly the loan can be repaid: If you think you can pay off the money you’re borrowing very quickly (e.g., in a matter of weeks or months), then you may be able to use a credit card to fund the expense. However, if you need more time to pay (e.g., two to seven years), a personal loan is a better choice.
- What you can afford: Before you get a loan, one of the most important things to do is make sure you can afford it. Qualifying for a loan and affording it are two separate things. Carefully evaluate your budget and make sure you can comfortably make the monthly payment before signing on the dotted line.
- If you can qualify for the loan: Qualifying for a loan with fair credit can be challenging, particularly if you have active delinquencies on your accounts. To improve the odds that you’ll get approved, bring all of your accounts current before applying for a loan. If you still can’t qualify on your own, consider applying with a co-signer.
Ultimately, the decision to get a personal loan depends on what’s important to you and your financial situation.?
FICO Credit Score Ranges
Rating | Score Range |
---|---|
Excellent | 800–850 |
Very Good | 740–799? |
Good | 670–739? |
Fair | 580–669? |
Poor | 300–579? |
No Credit | Not enough data to score |
Where to Get a Personal Loan With Fair Credit
Although you won’t get the best rates with fair credit, there are still lenders willing to work with you. You should explore the typical sources of personal loans:
- Online lenders: There are many online lenders that partner with banks and credit unions to provide loans, and some of them advertise loans for people with fair or worse credit. Online lenders may be your best bet for finding a loan with fair credit; see our picks for the best online personal loan lenders to check your rates.
- Credit unions: You can also go directly to certain credit unions and banks; some online credit unions, like First Tech Federal Credit Union, offer loans to people with scores in the fair credit range. Local credit unions are worth checking, too; if you’re already a member, you may have an easier time qualifying.
- Traditional banks: Check your rates with some traditional big banks, like Discover, TD Bank, and/or U.S. Bank. You may have a harder time qualifying, but pre-qualifying is free and doesn’t hurt your credit, so there’s little downside aside from the time investment.
Comparing Personal Loan Lenders for Fair Credit
When comparing personal loans for fair credit, it’s important to consider the qualifications, APR, repayment terms, and funding speed.
- Qualifications: It’s harder for people with fair credit to get loans, so knowing what it takes to qualify for a personal loan is important. Most lenders evaluate your credit score, but they’ll also consider such things as your income, ability to repay the loan, and credit history. To improve your odds of qualifying, make sure you can afford the loan and you don’t have any actively delinquent accounts.
- Annual percentage rate (APR): When comparing loans, make sure you compare the APR rather than the interest rate. Unlike the interest rate, the APR also includes the fees you’ll be required to pay. For instance, many lenders charge origination fees, which are often reflected in the APR. By comparing APRs across different loans, the effect of these fees is taken into consideration.
- Repayment terms: Ensure that the lender you select offers the repayment term length you want. Many lenders offer limited repayment terms of 36 or 60 months. However, if you need more or less time to repay your loan, you may be able to find a lender that offers a shorter term of a year or less or a longer term of up to 180 months.
- Funding speed: If you need money quickly, look for a lender that can get you funded in a matter of days. Many of the best personal loan providers can get you funded as quickly as the next business day after your loan is approved.
How to Apply for a Fair Credit Personal Loan
The basic steps you’ll need to take to apply for a fair credit personal loan are:
- Submit a preliminary application with basic information about yourself and the loan
- Review introductory offers from your lender and decide if you want to proceed
- Agree to a hard credit check and submit a full application
- Review and accept the terms offered by the lender
- Provide any additional information requested by the lender (e.g., pay stubs, tax returns)
- Receive funding as soon as the same day or up to several days after you apply
- Set up an online account with the lender to manage your loan
Provide Basic Information
If you’re ready to move forward with a personal loan, the first step is to submit an application. You’ll usually be required to share information about why you need the funds, the amount of money you want, and how long you’ll need to repay the loan. As part of the process, you’ll also need to share personally identifiable information (e.g., your Social Security number and birthdate) along with information about your income.
Review Preliminary Offers and Agree to a Hard Credit Check
Once your initial application is submitted, some lenders will run a soft credit check to pre-qualify you and let you know the rates and terms you can get. Only after you’ve had a chance to review loan options and choose the one you want will the lender proceed to the full application and hard credit check. Other lenders don’t offer pre-qualification and will require that you submit a full application and undergo a hard credit inquiry to see your loan options. Make sure you understand when and how your credit will be checked at the onset.
Accept the Terms and Provide Additional Information
After the lender has evaluated your credit, you may be asked to provide some other information so they can confirm your income and identity. For example, you may need to share your tax returns, pay stubs, and driver’s license. Keep in mind, the more completely you fill out your application, and the quicker you submit any required information, the quicker your loan can be approved and funded.?
Receive Funding and Manage Your Account Online
When the lender is done evaluating your file, they’ll let you know if you’re approved and provide details about the terms of your loan—e.g., rates, fees, repayment terms, etc. After you accept the terms, then you’ll receive the funds in the way you identified in your application; usually, you can request that funds be disbursed into your bank account or sent directly to your existing creditors. Sometimes this can happen as soon as the day you apply. However, it can take up to a few days.
Then, all that’s left is to manage your loan and make your monthly payments. Most lenders allow you to manage your account online through a customer portal or an online app.
Fair Credit Personal Loan Alternatives
- Cash advance apps: Cash advance apps like Earnin are an alternative to traditional payday loans; they lend you money against your paycheck, but still come with some fees.
- Buy now, pay later: Buy now, pay later apps provide short-term financing for purchases; they usually don’t charge interest but they often require an upfront payment. Buy now, pay later loans allow you to pay for a purchase in several weekly or monthly installments. BNPL loans don’t usually affect your credit unless you fail to pay on time. They’re also known as point-of-sale (POS) installment loans.
- 0% purchase APR credit cards: A credit card with a 0% purchase APR—many of which last for a year or more—can be a useful way to pay for an expensive purchase over time. Just be sure to make your payments on time, and pay off the entire balance before the 0% period is over. If you don’t, you could end up paying more and/or damaging your credit.
- 0% balance transfer APR credit cards: If you’re paying down one or more debts, a 0% balance transfer credit card allows you to move the balances over and pay them off without accruing more interest. You’ll usually pay a transfer fee, and if you don’t make your monthly payments you can lose the 0% rate and hurt your credit. But if you abide by the card terms and pay off the balance within the 0% period, a balance transfer can be a great way to help reduce your debt.
- Crowdfunding: A crowdfunding site like GoFundMe or Meal Train could be worth exploring, depending on why you need a loan. These platforms can be helpful if you need to raise funds for medical, emergency, educational, or memorial expenses.
How to Improve Your Fair Credit Score
If you want to improve your credit, start by learning how credit reports and credit scores work. Once you have the basics down, there are several steps you can take to raise your credit score—some will take more time to show positive results, while others will be more immediate.
- Check your credit reports: Get your credit reports from Equifax, Experian, and TransUnion. Look for errors that could hurt your credit, like incorrect late fees or accounts that don’t belong to you. Dispute them with the credit bureaus and you may see your score rise. Consider using a credit monitoring service to keep tabs on your reports.
- Always pay your bills on time: This is essential for long-term credit health. You won’t see your score go up every time you pay a bill on time, but missed payments will have a significant negative effect on your credit. Set up autopay to help ensure you don’t miss payments (and be aware that autopay is not foolproof).
- Reduce credit card balances: Credit cards are a form of revolving credit—where you can spend up to a limit, pay the balance down, and then spend again. The amount of revolving debt you have compared to your credit limit is known as your credit utilization ratio, and this has a big impact on your credit. The closer you are to your limit, the worse it is for your credit score. Paying down your credit cards can quickly boost your score; consider making multiple payments throughout the month to keep your balances low.
- Improve your credit mix: Having a diverse set of credit accounts on your credit reports is good for your score; if you don’t have both a revolving credit account and an installment loan on your credit reports, getting the one you’re missing (or both, if necessary) could improve your score. But don’t get into debt just to improve your credit.
- Get a credit builder loan: If you don’t have an installment loan on your credit reports and/or you need to recover from some missed payments, a credit builder loan is an inexpensive way to accomplish both—without going into debt. A credit builder loan is like a reverse loan: You make all the monthly payments first, building up a record of on-time payments, and then you get the money at the end.
- Become an authorized user on a credit card: As an authorized user on a credit card, the account will appear on your credit reports. This means it can help build your credit, as long as the card is used responsibly. If the card is used irresponsibly, like missing payments or maxing out the limit, it can hurt your credit. This is why it’s important to only become an authorized user of someone you trust to manage the account well.
Building credit is a lifelong process, but some actions will have more immediate effects than others. Read more about raising your credit score fast if you hope to qualify for a loan with good terms in the near future.
Frequently Asked Questions
-
What Is a Fair Credit Score?
A fair credit score is a FICO score from 580–669, or a VantageScore from 601–660. This is lower than the average FICO credit score in the U.S., 714. Having fair credit means you won’t be eligible for the best rates and terms, but you can likely still qualify with plenty of lenders.
-
Can a Personal Loan Improve My Credit Score?
Yes, a personal loan can improve your credit score—as long as you follow the terms and pay it off on time. Payment history is one of the most important factors in your credit score, so building up a record of on-time payments is vital to improving and maintaining your credit; this means it’ll take some time for the positive effects to accrue. On the other hand, missed payments that are reported to the credit bureaus have a significant (and immediate) negative impact on your credit.?
If you don’t have any other installment loans on your credit reports, a new personal installment loan can improve your credit mix, which is good for your score. A new loan of any kind can also have a minor negative impact on your credit score—from the hard inquiry and the new account—but these effects diminish over time. -
Can I Get a Loan With Fair Credit?
Yes, you can get a loan with fair credit. Although lenders reserve their best interest rates, terms, and fees for people with good or excellent credit, there are still many loans available to people with fair (or worse) credit. You’ll have to be prepared to pay more in interest, your term options may be somewhat limited, and you may be charged higher origination fees. Still, it’s worth your time to shop around and compare offers from a handful of lenders to find the lowest rates and fees you can get.
If you’re having trouble finding a lender that’ll approve your application, browse our picks for the best bad credit loans for some options that may work for you. -
What Is the Lowest Credit Score To Borrow?
Some lenders do not have a minimum credit score requirement. However, it's important to remember that your credit history will still be taken into account. The type and amount of debt you have can impact your ability to qualify for a loan.
-
What Will a Fair Credit Score Get Me?
If you have fair credit you can still qualify for many loans. You won't get the lowest possible interest rates and fees, but you likely won't get the upper end of the range, either; your rates and fees may be somewhere in the middle. No matter your rates, be sure that the monthly payment fits in your budget so you don't fall behind.
-
Who Will Let Me Borrow Money Instantly?
Several loan providers, such as Rocket Loans and LightStream, offer same-day funding. But you have to qualify and complete the loan application process by a certain time; with Rocket Loans you must sign the agreement by 1 p.m. ET on a business day, and LightStream requires you to sign the agreement and complete the final verification process. Take note that your bank's processing time may delay access to the funds.
Methodology
Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of personal loan lenders. To rate providers, we collected hundreds of data points across more than 40 lenders, including interest rates, fees, loan amounts, and repayment terms, to ensure that our reviews help users make informed decisions for their borrowing needs.
:max_bytes(150000):strip_icc()/Primary-Image-best-personal-loans-for-fair-credit-4798008-c4773a31862046c2b13c7d30c4e75c5c.jpg)
Stephen Zeigler / Getty Image