Personal Loans
Personal Loans
for Bad Credit
Your credit score is one factor — not the only one. Harbor Lenders connects borrowers with a network of participating lenders who consider income, employment, and other details alongside credit history.
No hard credit pull · Free to check · ~2 min
Credit context
What bad credit means for your options
Your score is one factor
Lenders in the Harbor network also weigh income, employment status, loan amount, and how long you have banked. A lower credit score does not automatically mean no option.
Smaller amounts may be easier
Requesting a smaller loan reduces lender risk. Borrowers with lower scores often find it easier to match on amounts under $3,000.
Income matters
Steady monthly income — from employment, self-employment, or benefits — can support a request even when credit is below average.
Checking is free
Submitting a request through Harbor Lenders does not require a hard credit pull and costs nothing. You only continue if an option is available and you choose to.
By state
Bad credit loans by state
Alabama
Avg score: 692
Alaska
Avg score: 722
Arizona
Avg score: 712
Arkansas
Avg score: 695
California
Avg score: 722
Colorado
Avg score: 731
Connecticut
Avg score: 726
Delaware
Avg score: 714
Florida
Avg score: 707
Georgia
Avg score: 695
Hawaii
Avg score: 732
Idaho
Avg score: 730
Illinois
Avg score: 720
Indiana
Avg score: 712
Iowa
Avg score: 730
Kansas
Avg score: 722
Kentucky
Avg score: 705
Louisiana
Avg score: 690
Maine
Avg score: 731
Maryland
Avg score: 715
Massachusetts
Avg score: 732
Michigan
Avg score: 719
Minnesota
Avg score: 742
Mississippi
Avg score: 680
Missouri
Avg score: 714
Montana
Avg score: 732
Nebraska
Avg score: 731
Nevada
Avg score: 701
New Hampshire
Avg score: 736
New Jersey
Avg score: 724
New Mexico
Avg score: 702
New York
Avg score: 722
North Carolina
Avg score: 709
North Dakota
Avg score: 733
Ohio
Avg score: 716
Oklahoma
Avg score: 696
Oregon
Avg score: 732
Pennsylvania
Avg score: 722
Rhode Island
Avg score: 721
South Carolina
Avg score: 700
South Dakota
Avg score: 734
Tennessee
Avg score: 706
Texas
Avg score: 695
Utah
Avg score: 730
Vermont
Avg score: 737
Virginia
Avg score: 723
Washington
Avg score: 735
West Virginia
Avg score: 702
Wisconsin
Avg score: 738
Wyoming
Avg score: 725
Check your options today
Bad credit does not automatically mean no options. One request, no hard credit pull.