Pre-qualification quiz
Bad Credit? Have a Job? See If You May Qualify.
Six quick questions. Lenders consider your income alongside your credit — a steady job makes a real difference. See your result in under 60 seconds, no hard credit pull.
No credit impact
Checking pre-qualification does not affect your credit score.
No obligation
See your result before deciding whether to take the next step.
Under 60 seconds
Six quick questions and a result — no account required.
How much do you want to borrow?
Enter the amount you're looking to borrow. Typical personal loans range from $1,000 to $10,000.
Enter an amount between $100 and $10,000.
Borrower experiences
Real people. Bad credit. Got matched.
Experiences shared by borrowers who completed the Harbor application.
"I'd been turned down by two banks and figured I was out of options. Harbor matched me with a lender the same day. My credit score was 527 — I honestly didn't think it was going to work."
Marcus T.
Atlanta, GA · Borrowed $2,500
"I was nervous it was one of those sites that just sells your info. It wasn't — I gave consent before anything was shared and the lender called me the next morning. Fixed payments, not a payday thing."
Denise R.
Houston, TX · Borrowed $1,800
"I have a full-time job but my credit got wrecked a few years back. Harbor was straightforward about what to expect and didn't make me feel judged. Got matched within 24 hours."
Kevin L.
Columbus, OH · Borrowed $3,000
Experiences are representative of borrowers who completed the Harbor application. Individual results vary based on lender review.