PrimeRates provides access to personalized loan offers through our simple and quick pre-qualification application. Once you’re pre-qualified, you can select the best offer for you and finalize the loan application with the lender.
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Simple pre-qual application in less than 1 minute.
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Choose the offer that best fits your needs.
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Finalize your loan offer, get approved, and receive funds.
With a credit score of 600 or lower, you fall into the fair credit range. Many lenders consider scores below 630 as subprime, but several reputable online lenders specialize in working with borrowers in this range.
The lenders below work with borrowers at this credit level and offer competitive terms. Pre-qualify to see your personalized rates without impacting your credit score.
These lenders accept borrowers with credit scores of 600 and below.
| Lender | APR range | Min. loan | Min. credit |
| Upgrade | 6.94% – 35.97% | $1,000 | 580 |
| Upstart | 6.40% – 35.99% | $1,000 | 300 (AI) |
| OneMain Financial | 18.00% – 35.99% | $1,500 | None |
| Avant | 9.95% – 35.99% | $2,000 | 580 |
| LendingPoint | 7.99% – 35.99% | $2,000 | 580 |
Most online lenders require a minimum credit score between 580 and 660. Some lenders like Upstart use AI-based evaluation and accept scores as low as 300, while OneMain Financial has no published minimum.
Borrowers with a 600 credit score can typically expect APRs in the 15%–36% range, depending on the lender, loan amount, income, and other factors.
Make all payments on time, reduce credit card balances below 30% of your limit, avoid opening too many new accounts, and check your credit report for errors. A personal loan with on-time payments can also help build credit over time.
Upgrade accepts credit scores as low as 580 and offers loans from $1,000 to $50,000. Funds typically deposited within one business day.
Upstart uses AI and machine learning to evaluate borrowers beyond traditional credit scores, considering education and employment history.
OneMain Financial offers both secured and unsecured loans with no published minimum credit score. 1,500+ branches for in-person service.
Avant specializes in lending to borrowers with credit scores between 580 and 700. Next-day funding available.
LendingPoint looks at your complete financial picture, not just your credit score.
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