8 Easiest Personal Loans To Get Approved

Many borrowers want quick access to funds without jumping through hoops. Whether it’s for an emergency expense, debt consolidation, or a big purchase, some lenders make the process faster and simpler than others. This list focuses on eight lenders known for making approval easier — even for those with average or fair credit.

1.     Upgrade – Best For Fair Credit Borrowers

Minimum Credit Score: 580

Loan Amounts: $1,000 – $50,000

APR Range: 8.49% – 35.99%

Funding Time: Within 1 day of approval

Why it’s easy: Upgrade offers prequalification with no impact on your credit score and approves many applicants with credit scores in the low 600s. The income requirements are reasonable and consider factors beyond your credit alone.

Ideal for: Borrowers with fair credit looking for fast approval and flexibility in repayment terms (24 to 84 months).

2.     Avant – Fast Decisions For Lower Credit Scores

Minimum Credit Score: 580

Loan Amounts: $2,000 – $35,000

APR Range: 9.95% – 35.99%

Funding Time: As soon as the next business day

Why it’s easy: Avant is one of the most accessible options for people with lower credit scores. They often approve borrowers who wouldn’t qualify with traditional banks.

Fees: Origination fees up to 4.75%, but no prepayment penalties.

Best for: People rebuilding credit or those who’ve been denied elsewhere.

3.     OneMain Financial – No Minimum Credit Score

Minimum Credit Score: No set minimum

Loan Amounts: $1,500 – $20,000

APR Range: 18.00% – 35.99%

Funding Time: Same day in many cases

Why it’s easy: OneMain specialises in lending to people with poor or no credit history. You can apply online, but you will need to complete the process at a branch, which helps them approve riskier applicants.

Collateral Option: Offers secured loans for higher approval chances.

Great for: Borrowers who’ve struggled with credit and want a human approach.

4.     Upstart – Uses Alternative Data To Approve You

Minimum Credit Score: 300 (some borrowers approved with no score)

Loan Amounts: $1,000 – $50,000

APR Range: 6.4% – 35.99%

Funding Time: 1–2 business days

Why it’s easy: Upstart looks at your education, job history, and income potential—not just your credit score. Even those with limited credit history have a shot at approval.

Bonus: Low fixed rates for qualified borrowers.

Good fit: Young borrowers or those with thin credit files who are still creditworthy.

5.     LendingPoint – Great For Near-Prime Credit

Minimum Credit Score: 600

Loan Amounts: $2,000 – $36,500

APR Range: 7.99% – 35.99%

Funding Time: Within 24 hours

Why it’s easy: LendingPoint offers a fast, flexible application process. They often approve borrowers with steady income but not perfect credit.

Best for: People with stable income who fall just short of "good credit."

Tip: Automatic payments can help you qualify for better terms.

6.     NetCredit – Quick Loans For Poor Credit

Minimum Credit Score: No minimum (accepts bad credit)

Loan Amounts: $1,000 – $10,000

APR Range: 19.9% – 155% (varies by state)

Funding Time: Next business day

Why it’s easy: NetCredit targets people who’ve been declined elsewhere. The approval process is simple, and they don’t have strict score requirements.

Note: Rates are high, so it's best for emergency needs when other lenders aren’t an option.

Use if: You need fast access and have very low or no credit.

7.     OppLoans – No Credit Check Required

Minimum Credit Score: Not required

Loan Amounts: $500 – $4,000

APR Range: 59% – 160%

Funding Time: As soon as one business day

Why it’s easy: OppLoans doesn’t run a hard credit check. Instead, they verify employment and bank activity to determine eligibility. Many users are approved in minutes.

Downside: Higher interest than banks or credit unions, but much lower than payday loans.

Suitable for: Those with no credit or limited options who need short-term help.

8.     Marcus By Goldman Sachs – Streamlined For Good Credit

Minimum Credit Score: 660

Loan Amounts: $3,500 – $40,000

APR Range: 6.99% – 24.99%

Funding Time: 1–4 business days

Why it’s easy: While it's geared toward borrowers with good credit, Marcus offers a very transparent, user-friendly process. No fees, no surprises, and a soft credit check for prequalification.

Perks: No late fees. You can defer one payment after 12 months of on-time payments.

Great if: You have decent credit and want a smooth process with no hidden costs.

How To Improve Your Chances Of Getting Approved?

Before you apply, keep these tips in mind:

Check your credit report: Fix any errors before applying. You can get a free report at AnnualCreditReport.com.

Prequalify when possible: Many lenders offer soft credit checks so you can compare offers without hurting your score.

Avoid multiple hard inquiries: Apply only once you've found the right lender.

Have proof of income ready: Payslips, tax returns, or bank statements may help speed up approval.

Keep debt-to-income ratio low: Lenders often prefer it under 35%.

Which One Should You Choose?

If your credit score is low or you've been denied before, OneMain Financial, Avant, or NetCredit might give you the best shot. For fast approval with more favourable rates, Upgrade, Upstart, or LendingPoint are solid picks.

Those with decent or good credit can benefit from Marcus by Goldman Sachs's ease and low fees.

Need a no-credit-check option? OppLoans offers one of the easiest paths, though it's best used for short-term needs due to higher rates.

Final Step: Apply Smart

After choosing a lender, take a few smart steps to avoid surprises. Start by using the lender’s prequalification tool—this won’t affect your credit score and helps you see potential rates. Gather your documents ahead of time, including ID, proof of income, and bank account details, so you're ready to apply quickly. Always apply directly through the lender’s official website to avoid third-party markups or scams.

Before accepting any offer, review the loan terms carefully: check the APR, fees, repayment schedule, and penalties. If anything seems unclear, contact customer support before signing. Taking a few extra minutes to verify everything can save you money and Stress later. An innovative application helps ensure the loan works in your favour.