Best Bad Credit

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Rankings are calculated based on verified user reviews, recency of updates, and community voting weighted by user reputation score.

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Best 1 Auto Credit Express
Auto Credit Express
Free Plan Available

Auto Credit Express specializes in connecting families with bad or no credit to auto loans. They work with a network of specialized lenders who understand the challenges faced by individuals with less...

8.9 Very Good
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2 MyAutoLoan
MyAutoLoan

MyAutoLoan is designed to cater to a wider range of credit profiles, including those with less-than-perfect credit. They connect borrowers with a network of lenders specializing in auto financing for...

8.7 Very Good
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3 myAutoloan.com
myAutoloan.com

myAutoloan.com acts as a loan aggregator, connecting families with a wide network of lenders. This allows for easy comparison of interest rates and loan terms. The platform caters to a broad range of...

8.2 Very Good
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4 Westlake Financial
Westlake Financial

Westlake Financial is primarily an indirect lender, working through a network of dealerships to provide financing to borrowers with credit challenges. They specialize in financing used vehicles and of...

7.8 Good
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5 Auto Credit Now
Auto Credit Now

Auto Credit Now is a loan matching service designed to connect individuals with poor credit to auto lenders. They don't offer loans directly but facilitate connections. The platform emphasizes finding...

7.6 Good
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6 OneMain Financial
OneMain Financial

OneMain Financial is a go-to lender for individuals with less-than-perfect credit who need access to funds. They offer a unique blend of online and in-person service, with hundreds of branches across...

7.5 Good
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7 Auto Credit Express - Bad Credit Auto Loans
Auto Credit Express - Bad Credit Auto Loans

Auto Credit Express specializes in connecting individuals with bad or no credit to auto loan lenders. They operate as a loan matching service, submitting applications to a large network of lenders who...

7.3 Good
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8 DriveTime Auto Loans
DriveTime Auto Loans

DriveTime specializes in auto loans for individuals with credit challenges, particularly those with limited or no credit history. They offer financing for used vehicles and have a network of dealershi...

7.3 Good
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9 Avant
Avant

Avant is a digital lender that focuses on providing fast and accessible personal loans to individuals with fair to good credit. They are known for their simple, user-friendly application process and q...

7.3 Good
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10 OpenRoad Lending
OpenRoad Lending

OpenRoad Lending connects borrowers with bad credit to a network of lenders specializing in auto financing. Seniors with limited credit history or past financial challenges can find options through th...

7.2 Good
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11 First Access Secured Credit Card
First Access Secured Credit Card

The First Access Secured Credit Card is another secured card option for students with limited or no credit history. It requires a security deposit and reports to the major credit bureaus. While it doe...

7.2 Good
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12 OpenSky® Secured Credit Card
OpenSky® Secured Credit Card

The OpenSky® Secured Credit Card is notable for its no credit check approval process, making it accessible to those with severely damaged credit. It requires a security deposit of $200, $300, or $500....

7.2 Good
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13 Credit One Bank Platinum Visa
Credit One Bank Platinum Visa

The Credit One Bank Platinum Visa is an unsecured card designed for those with less-than-perfect credit. It offers 1% cash back on eligible gas and grocery purchases, which is a nice perk for a card i...

7.2 Good
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14 Springleaf Financial
Springleaf Financial

Springleaf Financial (now part of OneMain) is a lender that focuses on providing personal loans to individuals with less-than-perfect credit. They offer a unique blend of online and in-person service,...

6.2 Fair
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15 Alliant Signature Student Credit Card
Alliant Signature Student Credit Card

The Alliant Signature Student Credit Card is a secured card that requires a signature as collateral, rather than a deposit. It reports to the major credit bureaus and has no annual fee. It's a good op...

6.0 Fair
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16 Total Visa Unsecured Card
Total Visa Unsecured Card

The Total Visa is an unsecured card specifically marketed to those with bad credit. While it is 'unsecured' (meaning no deposit is required), it comes with significant fees, including an application f...

6.0 Fair
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17 Auto Credit Solutions
Auto Credit Solutions

Auto Credit Solutions is a loan matching service focused on connecting individuals with bad credit to auto lenders. They don't offer loans directly but facilitate connections. The platform aims to pro...

5.8 Average
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18 NetCredit
NetCredit

NetCredit is a lender that focuses on providing personal loans to individuals with less-than-perfect credit. They offer a simple, user-friendly application process and quick funding times. While their...

5.8 Average
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19 Auto Credit Express Direct
Auto Credit Express Direct

Auto Credit Express Direct is a service by Auto Credit Express that connects borrowers with direct lenders specializing in auto loans for those with bad credit. They focus on providing a more direct c...

5.3 Average
20 Reflex Mastercard
Reflex Mastercard

The Reflex Mastercard is similar in structure to the Surge and Total Visa cards. It is an unsecured card for those with poor credit, offering immediate access to credit without a deposit. However, the...

5.3 Average
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21 Milestone Mastercard
Milestone Mastercard

The Milestone Mastercard is an unsecured card for those with less-than-perfect credit. It provides a way to access credit without a deposit, but it is accompanied by high annual fees. It is a basic, n...

4.9 Poor
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22 Indigo Mastercard
Indigo Mastercard

The Indigo Mastercard is an unsecured card designed for individuals with poor credit. It offers the convenience of no deposit but comes with high annual fees that can make it a costly way to build cre...

4.8 Poor
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23 First Access Visa
First Access Visa

The First Access Visa is an unsecured card for those with poor credit. It provides access to credit without a deposit, but it is accompanied by high annual and application fees. It is a basic card tha...

4.2 Poor
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