Personal loan options for 300-579 (rebuilding credit)
Expect higher APR bands and tighter approval criteria. Co-borrower options and credit unions are often the most realistic paths in this range.
Recommended path
Decision checklist for this range
- Confirm whether the loan is fixed-rate and whether prepayment penalties apply.
- Compare on total cost — origination fee + APR + term — not just monthly payment.
- Use prequalification flows that are soft-pull where available.