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Lending For Bad Credit vs. Bankrate Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Personal Loans

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Personal Loans

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Mortgages

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Debt Relief

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Personal Loans drop-down-btn
Good For
A Marketplace for Bad Credit Loans
Good For
More than 4 Decades of Experience
Min Credit Score
300
Min Credit Score
APR

6.99-35.99%

APR

7.80-35.99%

Loan Amount

$100-$40K

Loan Amount

$1K-$100K

Lender Type
  • Marketplace
Lender Type
  • Marketplace
Loan Type
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
Loan Type
  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
  • Co-singer / Joint loans
Loan Purpose
  • Credit Card Refinance
  • Debt Consolidation
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Relocation
  • Vacation
  • Wedding
Loan Purpose
  • Business Loans
  • Car
  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Mortgage
  • Relocation
  • Student Loan Refinance
  • Car Bike Loans
  • Vacation
  • Wedding
  • Other
Repayment terms
Varies
Repayment terms
24-84 Months
Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Funds direct deposited often within a single business day
  • Ability to compare a range of different options
  • Helps people with bad credit to get a loan
  • Good range of possible loan amounts
Pros
  • Deals with trustworthy lenders
  • Wide range of personal loans to check out
  • Easy to use comparison tool
  • More than four decades of experience
Cons
  • cons APRs can be high
  • cons Not too much info about lenders
Cons
  • cons Not a direct lender
  • cons No live chat
Mortgages drop-down-btn
Good For
A Leader in Mortgages Comparison
APR

6.46-6.99%

Loan Type
  • Mortgage Purchase
  • Mortgage Refinance
  • Fixed
  • Adjustable
  • Home Improvement
  • Home Equity Loan
  • Home Equity Line of Credit
  • FHA
  • USDA
  • VA
  • Jumbo
Prepayment Fee
Varies by lender
Origination Fee
Varies by lender
Pros
  • Comprehensive online marketplace with many lenders to compare
  • Simple application process
  • Up-to-date information on mortgage rates and lenders available
Cons
  • cons Website can be tricky to navigate and find specific information about mortgage loans
  • cons Loan rates, terms, and eligibility vary widely across lenders – specifics aren’t always available
  • cons Doesn’t contain all home loan types – ex. Jumbo loans
Not provided

Service isn't provided

Debt Relief drop-down-btn
Good For
The Ideal Choice for Debt Under $10,000
Minimum Debt Amount

$1K

Free Consultation
Yes
Soft Credit Pull
Yes
Pros
  • Personalized comparison tool
  • Helpful for comparing loans from many reputable lenders
  • Prequalification provides an overview of eligible loans and their terms
  • Options available for those with limited credit history
Cons
  • cons You must create an account before you can compare your loan options
  • cons Loan terms vary depending on the lender
  • cons Specific fees depend on the lender
Not provided

Service isn't provided

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