8 Easiest Personal Loans To Get Approved in 2026: Lenders, Credit Score Minimums and APRs Compared

The easiest personal loans to get approved for come from Upstart, Universal Credit, Avant, OneMain Financial, Upgrade, LendingPoint, Oportun and Prosper — lenders that accept credit scores as low as 300 to 600 and often approve borrowers with thin credit files or past credit issues.

While these “easier” loans typically come with higher annual percentage rates (APRs), they can provide access to funds when traditional lenders aren’t an option. 

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Read on to learn some of the easiest personal loans to get, including options for easy approval, loans for fair credit, low income or no credit history.

With MoneyLion, you can access offers up to $100,000 from top lenders. Compare rates, terms, and fees to find the deal that fits your needs. 

Key Takeaways

• The easiest personal loans to get come from flexible-credit lenders: Upstart, Universal Credit, Avant, OneMain Financial, Upgrade, LendingPoint, Oportun and Prosper accept scores as low as 300 to 600 or no score at all.

• Easier approval usually means higher APRs: Rates run from about 6.2% on the low end to 35.99%, with lower-credit borrowers typically landing in the 20% to 35.99% range.

• Some lenders skip the credit-score minimum entirely: Upstart, Oportun and OneMain look at factors like income, education or collateral instead of a set score.

• Prequalify with a soft credit check first: Most of these lenders let you preview your rate without hurting your score, so compare the full cost before applying.

• Funding is often fast: LendingPoint, Upgrade and Avant can fund in as little as one business day, and OneMain can fund same-day at a branch.

• Weigh the alternatives: A cash advance, credit-builder loan or 0% APR credit card may cost less than a high-APR easy-approval loan.

Summary generated by AI, verified by MoneyLion editors

Easiest Personal Loans to Get at a Glance

Easiest Personal Loan Lenders Ranked by Minimum Credit Score

Here are the eight lenders, ranked from lowest to highest, by minimum credit score required for approval.

• Oportun: No minimum credit score

• OneMain Financial: No minimum credit score

• Upstart: No minimum credit score

• Avant: 580 minimum credit score

• Universal Credit: Fair credit score

• Upgrade: Fair credit score

• LendingPoint: Fair credit score

• Prosper: 600 minimum credit score

Upstart: Best Easy Approval Loan for No Credit History

Upstart stands out for its AI-driven approval process that looks beyond credit scores to consider your education and work history. This approach makes it ideal for borrowers who may still need to establish credit. With loan amounts starting at $1,000, Upstart is perfect for smaller financial needs, and funds are often available within one business day.

Universal Credit: Best Easy Approval Loan for Credit Building

Universal Credit is a strong option for borrowers who are trying to rebuild their credit and want a loan process with a little less friction. The lender lets you check your rate with a soft credit inquiry, and it’s often positioned as a fit for fair- to bad-credit borrowers who may not qualify as easily elsewhere. That makes it a practical choice for people focused on getting approved first, as long as they compare the full cost carefully since origination fees and APRs can run high.

Avant: Best Easy Approval Loan for Fair Credit Scores

Avant specializes in loans for borrowers with fair credit, offering fast funding and a simple application process. With flexible terms and an easy-to-navigate platform, Avant ensures you can manage your loan without complications. It’s an excellent choice for those needing quick access to funds for emergencies or other short-term needs.

OneMain Financial: Best Easy Approval Loan for Secured Borrowing

OneMain Financial stands out for secured borrowing because it gives applicants another path to approval beyond a standard unsecured loan. Borrowers can check for offers without hurting their credit score, and the lender offers both secured and unsecured personal loans, which can be especially helpful for people with less-than-perfect credit who want to use a vehicle as collateral to improve their odds or potentially qualify for better terms. Its flexible underwriting is a plus, though the trade-off may be higher rates and fees than you’d see with more prime-focused lenders.

Upgrade: Best Easy Approval Loan for Bad Credit Borrowers

Upgrade shines as an option for easy approval loans for borrowers with bad or less-than-perfect credit. With competitive rates and no prepayment penalties, this loan is designed to help you consolidate debt or cover unexpected expenses.

LendingPoint: Best Easy Approval Loan for Fast Funding

LendingPoint earns its spot for fast funding thanks to its streamlined online process and the potential for next-business-day funding for approved borrowers. The lender also lets you check your rate with a soft credit inquiry and says its underwriting considers more than just a traditional credit score, which can make it appealing to borrowers with fair credit who need cash quickly. It’s a solid fit for emergencies or time-sensitive expenses, though borrowers should still watch for origination fees and compare offers before committing.

Oportun: Best Easy Approval Loan With No Credit Score Required

Oportun is one of the better-known options for borrowers without an established credit history who still need access to a personal loan. The lender says you can prequalify in minutes without affecting your credit score, and outside reviews consistently note that Oportun has no credit history requirement, making it a useful option for people with thin files or no credit score at all. Smaller loan amounts also make it a more realistic fit for modest borrowing needs, though availability varies by state and fees can apply.

Prosper: Best Easy Approval Peer-to-Peer Loan

Prosper stands out in this roundup because its peer-to-peer (P2P) model gives borrowers access to a marketplace-style approval process rather than a single traditional lender. It also allows applicants to check rates with a soft credit pull, and borrowers can apply with a co-applicant, which may improve approval odds or help secure a better offer. While Prosper isn’t the most lenient lender on the list, it makes sense here for fair-credit borrowers who want a peer-to-peer loan with a relatively accessible entry point.

What To Check Before You Apply for an Easy Approval Loan

Use this checklist to understand personal loan requirements and compare offers before you submit a full application.

1. Minimum credit score: Confirm your credit score meets the lender’s stated minimum.

2. APR range: Check both the low and high end of the APR, not just the advertised starting rate.

3. Loan amount: Make sure the lender offers the exact amount you need.

4. Loan term: Look for a loan term that keeps your monthly payment affordable.

5. Origination fee: Some lenders charge up to 12% of the loan amount upfront.

6. Funding time: Confirm how quickly the funds hit your account after approval.

7. Prequalification: Use a soft credit check to see your rate without hurting your score.

8. Income requirements: Check the minimum income and proof-of-income rules.

9. Co-signer option: See if adding a co-signer can lower your rate or improve your odds.

10. Repayment flexibility: Look for autopay discounts, hardship programs and no prepayment penalty.

Alternatives to Quick and Easy Personal Loans

Looking for other ways to access funds? While quick personal loans can be a solid choice for many borrowers, it’s worth exploring all your options to find the best fit for your situation.

Cash Advances

You can get access to wages you’ve already earned before your scheduled payday, typically for a small flat fee rather than interest charges. MoneyLion’s Instacash^® allows you to access up to $500 of your paycheck before you get paid — without interest or mandatory fees*. 

Credit Cards

You may be able to gain immediate access to funds with a revolving credit line. Some credit cards have 0% APR promotional periods for new purchases or balance transfers. However, the better offers come to those with good credit. 

Credit Builder Loans

Credit builder loans can be a smart alternative when you need to build credit. Instead of giving you immediate access to funds, they can help you establish a positive payment history while building a savings cushion that you can access later, potentially allowing you to qualify for better loan terms in the future when you truly need to borrow.

Bottom Line 

• While “quick and easy loans” can provide immediate financial relief, the smartest choice isn’t always the easiest one. 

• Take time to compare multiple lenders, understand their true costs and read the fine print before signing. Remember, even with less-than-perfect credit, you have options – whether it’s online lenders or secured loans. 

• The right lender won’t just offer easy approval, but terms that set you up for financial success rather than a cycle of debt. 

Easiest Personal Loans To Get FAQs

Which personal loans are the easiest to get approved for? 

The easiest personal loans to get approved for are from Upstart, Oportun and OneMain Financial, which do not require a minimum credit score. Universal Credit, Avant and Upgrade also approve borrowers with scores in the fair range.

Can you get a personal loan with bad credit? 

Yes. Upstart approves borrowers with scores as low as 300, and Avant and Upgrade approve borrowers with fair credit. APRs on bad-credit loans usually range from 18% to 35.99%.

What credit score do you need for an easy approval loan? 

Most easy approval lenders accept credit scores between 300 and 600. Upstart has the lowest stated minimum at 300, while Prosper requires at least 600.

What is the easiest loan to get with no credit? 

Oportun is the easiest option if you have no credit history because it does not require a credit score and can lend as little as $300. Upstart is another strong choice because it uses education and job history alongside credit.

How fast can you get an easy approval personal loan?

LendingPoint, Upgrade and Avant can fund approved loans in as little as one business day. OneMain Financial can fund the same day at a branch.

What APR should you expect on an easy approval loan? 

APRs on easy approval loans range from about 6.2% on the low end (Upstart) to 35.99% on the high end across most lenders on this list. Borrowers with lower credit scores tend to land in the 20% to 35.99% range.

Key Terms

• Easy approval loan: A personal loan with lower credit score requirements, softer income rules and faster application decisions than a standard bank loan. Most easy approval loans accept credit scores between 300 and 600, use a soft credit check for prequalification and fund within one to three business days.

• Minimum credit score: The lowest score a lender will consider; several here have none, relying on income or collateral instead.

• Annual percentage rate (APR): The yearly cost of borrowing including interest and fees — the clearest way to compare offers.

• Origination fee: A one-time charge, sometimes up to about 12%, deducted from your loan proceeds.

• Prequalification: A soft credit check preview of your rate and terms that doesn't affect your score.

• Secured loan: A loan backed by collateral like a car, which can improve approval odds or lower your rate.

• Peer-to-peer (P2P) loan: Borrowing funded through a marketplace of investors, as with Prosper.

• Co-applicant: A second borrower who can improve approval odds or help secure a better rate.

Sources

• CFPB: What is a personal installment loan? 

• CFPB: What's the difference between a hard and soft credit inquiry? 

• myFICO: What Is a Credit Score? 

• CFPB: What is a payday loan? 

Summary generated by AI, verified by MoneyLion editors

Methodology

For our take on the easiest personal loans to get, we researched lenders to identify the most accessible personal loans, evaluating their minimum credit score requirements, income thresholds and similar information to help you find realistic borrowing options for your situation.

Data is accurate as of July 16, 2026, and is subject to change.

Elizabeth Constantineau, CFHC™, contributed to editing this article.

Photo credit: fizkes / Getty Images / iStockphoto