How To Get A Personal Loan With A 440 To 449 Credit Score (2020)


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By Mark B. Huntley, J.D.

Last updated 06/27/2020


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Summary:  A review of how to qualify for a personal loan based on credit scores between 440 to 449.

Let's face it, a credit score between 440 and 449 is bad, and it is going to be challenging to find many lenders who will give you a personal loan. 

But there is a chance! 

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Of course, any unsecured consumer personal loan with a credit score in the 440's is going to have an extremely high APR interest rate. 

The APR range may be as low as 34%, but based on a recent Bloomberg article, the APR rates could be as high as 155%. 

That being said, when emergencies happen, and you need to get your hands on cash fast, there is a cost. 

Credit Knocks has partnered with a lending company that specializes in personal loans for bad credit

This means that even if you have a credit score of 440 to 449, you may still qualify for bad credit personal loans today! 

You can find out if you qualify for a bad credit personal loan for free, and it won't even hurt your credit score! 

Click any of the orange View Best Rates buttons within this article to get an online quote for personal loans for bad credit.

Soft credit inquiry.  Multiple offers instantly.

See our free rate charts for a 440 to 449 credit score:

bad credit PERSONAL loan credit score of 440 441 442 443 444 445 446 447 448 449 personal loans for bad credit

Lenders determine your approval and loan APR interest rate based on your credit score, income, and debt ratios. 

If you fall short in any of these three categories, some lenders are willing to take on more risk but will charge you a higher interest rate to offset the increased likelihood that you will default on the loan.

While your credit score will be important in getting the very best offered rates, choosing the right lender will play an even larger role to get approved. 

It will help you get a better deal if you understand how a credit score around 441, 443, or 445 affects your personal loan rates and which lenders offer the best options to people with lower FICO scores

We will explain in detail each of the major factors necessary to get the best personal loan rates with a FICO score between 440 and 449 within this article.

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440 Credit Score Personal Loan

Keep in mind that your interest rates won’t change much by a few credit score points, so if you have a 442, 444, or 447 credit score, you will be offered the same rates. 

Even with a VantageScore of 445, 446, or 448, you will qualify for the same personal loan offers, so long as they are the same as your FICO scores. 

If you are looking for the best deals on an auto loan, personal loan, home mortgage loan, or credit card for a credit score between 440 to 449, check out one of these articles. Click on your credit score: 440 credit score441 credit score442 credit score443 credit score444 credit score445 credit score446 credit score447 credit score448 credit score, or 449 credit score.

Disclaimer: "Credit score" refers to FICO score in this article.  If you have a free credit score (i.e. VantageScore), that does not likely equal your FICO.  For example, a 445 VantageScore could be a FICO score of... 401, 516, 607?  Who knows?  90% of Lenders use FICO scores, not the free VantageScore you can get just about anywhere today. You can get your FICO score here.

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Reasons To Get A Personal Loan With A 440 To 449 Credit Score


From 2017 to 2018, the consumer Personal Loan market grew an astonishing 17%. 

Personal loans balances reached an all-time high of $125 million in 2018, with this being attributed to an increase in loan originations to people with fair or bad credit scores. 

Personal loans make a lot of sense for a lot of reasons, which is why they are so popular with people who have FICO scores in the 440's.

You can even qualify for personal Christmas loans for bad credit if you find yourself a bit short on cash during the holiday season.  

  • Debt/Credit Card Consolidation
  • Down Payment For Home 
  • Major Purchase
  • Home Improvement
  • Medical Expenses
  • Moving/Relocation
  • Vacation
  • Start Business 
  • Education
  • Your Wedding
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441 Credit Score Personal Loan

Estimated Monthly Payments For Bad Credit Personal Loans Of $10,000 by FICO Score

Credit Score

3 Year 

(36 months)

5 Year

(60 months)

7 Year

(84 months)

440 Credit Score Personal Loan

$447

$349

$313

441 Credit Score Personal Loan

$447

$349

$313

442 Credit Score Personal Loan

$447

$349

$313

443 Credit Score Personal Loan

$447

$349

$313

444 Credit Score Personal Loan

$447

$349

$313

445 Credit Score Personal Loan

$447

$349

$313

446 Credit Score Personal Loan

$447

$349

$313

447 Credit Score Personal Loan

$447

$349

$313

448 Credit Score Personal Loan

$447

$349

$313

449 Credit Score Personal Loan

$447

$349

$313

*Sample Quote For Credit Scores of 440 to 449.  Single digit credit score changes don't change the payment, so a 441, 443, 445  and 447 score should all cost the same. Scores and estimated APR interest rates found on Enova NetCredit (10/29/2019). All loan payment amounts are based on a personal loan APR interest rate of 34.00% for personal loans for bad credit scores of 300 to 579.  The loan terms included in this chart are for 3 years (36 months), 5 years (60 months), and 7 years (84 months). However, speak to your lender about additional loan options.  Don't forget to ask about their personal  loan payment terms that cover; 1 year (12 months), 2 years (24 months), 4 years (48 months), 6 years (72 months), 8 years (96 months), 9 years (108 months), and 10 years (120 months). This is not an offer for a loan or a loan approval. Rates and stipulations change by state, income, credit score, and a variety of other factors. For informational purposes only. The only way to find out what APR rate you will qualify for is to apply.  

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Personal Loans For Bad Credit Estimated Monthly Payments for Other Loan Amounts (15k - 30k)

New Auto Loan Amount

3 Year 

(36 months)

5 Year

(60 months)

7 Year

(84 months)

$15,000

$670

$523

$470

$20,000

$893

$697

$627

$25,000

$1,117

$871

$783

$30,000

$1,340

$1,046

$940

*Sample Quote For Credit Scores of 440 to 449.  Single digit credit score changes don't change the payment, so a 442, 444, 446, and 448 score should all cost the same. Scores and estimated APR interest rates found on Enova NetCredit (10/29/2019). All loan payment amounts are based on a personal loan APR interest rate of 34.00% for personal loans for bad credit scores of 300 to 579.  The loan terms included in this chart are for 3 years (36 months), 5 years (60 months), and 7 years (84 months). However, speak to your lender about additional loan options.  Don't forget to ask about their personal loan payment terms that cover; 1 year (12 months), 2 years (24 months), 4 years (48 months), 6 years (72 months), 8 years (96 months), 9 years (108 months), and 10 years (120 months). This is not an offer for a loan or a loan approval. Rates and stipulations change by state, income, credit score, and a variety of other factors. For informational purposes only. The only way to find out what APR rate you will qualify for is to apply. 

Soft credit inquiry.  Multiple offers instantly.

Who Has The Best Personal Loan Rates For Bad Credit? Credit Unions, Banks, or Online Lenders

Online lenders can offer the best personal loan rates for bad credit regardless of if your VantageScore is 442, 444, or 446 because they have access to more customers, and their overhead costs are much less than a brick and mortar bank, or credit union. 

Many of you may have heard of a company called Amazon? 

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442 Credit Score Personal Loan

Amazon is an online platform that brings buyers and sellers together, which makes it easy to compare prices and get what you want. 

So it makes sense that the best consumer loan rates are offered by lenders who use this exact same business model but with loans. 

You can find out the best rates for personal loans with a credit score of 443, 445, or 447 by clicking on one of the orange buttons in this article. 

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443 Credit Score Personal Loan

We spent hundreds of hours reviewing personal loan lenders and have found that the best APR rates come from companies that have a large number of lenders that will make you a loan offer and compete for your business.

Our top-ranked personal loan lenders are all online financial service providers who specialize in helping people like you with FICO scores in the 441, 446, or 448 range.

Even if you decide to use your local bank or credit union for your next personal loan, click the View Best Rates button below to get multiple free offers to use in negotiating the best rates with your lender. 

Best Online Personal Loan Rates By State 

Whether you live in Florida, California, or Texas, take advantage of the best online personal loans by state offered!

If you want to get the best possible APR rates for consumer personal loans in your state with a FICO score around 443, 445, or 447...

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444 Credit Score Personal Loan

Simply click on the state that you live in below and fill out a quick, free, no-obligation application to find out the best personal consumer loan APR rates possible! 

What Is My True Credit Score?

If you are getting a free credit score (link to free credit score) then most likely, it is a VantageScore and not a FICO score

VantageScore’s are considered ‘FAKO’ scores or for ‘Educational Purposes Only’ because 90% of lenders  don’t recognize this score as safe and predictable enough to make lending decisions. 

Did you know?


A recent Equifax study on personal loans found that 61% of lenders are now using alternative data to factor in their approval process. This is great news for people with bad credit and fair credit because, in the past, your cellphone, utility, or rent payments were not considered in your credit score.  

Equifax Commissioned Study (July '19) 

Whereas FICO scores are the original ‘credit score’ and almost all banks, credit unions and online lenders use your FICO score to determine your interest rates on a personal loan. 

So if you have a 440 to 449 VantageScore, it may not be your true ‘credit score’, which could mess up your plans on getting a fixed APR rate on your next loan and cost you thousands of dollars. 

VantageScores can be wildly higher or lower than your actual FICO score, which can cost you thousands of dollars in added interest if you make a decision based on your VantageScore. 

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445 Credit Score Personal Loan

Because the lenders are not going to be looking at your 443, 445, or 447 VantageScore, they will be looking at your 442, 444, or 446 FICO score. 

To find out your FICO score, you need to go to MyFICO and purchase your scores and credit monitoring to be in a better position to get the best possible rates on your next consumer loan. 

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Alternative Credit Building Options

With a credit score of 440 to 449, you need more than just a personal loan. 

What we recommend is that you start by tackling your credit score in two places at once... credit repair and credit building. 

Did you know?


48% of credit repair customers saw a 100 point or more credit score increase after 6 months. 

U.S. Credit Repair Survey (Oct '19) 

I have written a guide that reviews 55 Credit Building Secrets and tips that include quick credit score gains, free credit improvement tools, and DIY credit repair options. 

Our #1 ranked free credit-building tool for people with a credit score of 440 to 449 is to sign up for an Online Fingerhut Credit Account

They specialize in giving people with bad credit, CREDIT when no one else will! 

In fact, you can read about how Fingerhut helped improve my credit score 100 points

If you'd like to learn more about how they can help improve your bad credit score, too, check out our Fingerhut Review

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Three Non-Credit Score Factors That Affect Your Consumer Personal Loans Interest Rates

It doesn’t matter if your FICO score is 441, 444, or 448. 

If you don’t have an income, you will have a difficult time qualifying for a personal loan for bad credit or even good credit!

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446 Credit Score Personal Loan

Even with a good credit score, lenders will require you to prove that you have a reliable income, and you will be able to make your monthly payments. 

The bottom line is that your income, monthly expenses, and employment history will play a major role in getting the best offers possible for your personal loan. 

Soft credit inquiry.  Multiple offers instantly.

Personal Consumer Loans Qualifying Income - Not A 440 - 449 VantageScore 

To qualify for a personal loan with a FICO score of 442, 443, or 445, you will need to provide proof of your monthly income. 

To get approved, you will need to provide proof of your income, which can be done in many ways. 

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447 Credit Score Personal Loan

The easiest way is to provide copies of your check stubs to your personal loan officer.

If you are self-employed, don’t worry.  Lenders can verify your income through tax returns and bank statements. 

Even if you deal in a cash business, so long as you can show consistent monthly cash deposits into a banking account, many good loan officers can get you qualified for a consumer loan. 

If you do not have a stable income, you can consider finding a personal loan co-signer to help you qualify.

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448 Credit Score Personal Loan

Soft credit inquiry.  Multiple offers instantly.

Debt-to-Income Ratios 

Another major factor that can affect your consumer personal loans offers is your debt-to-income ratios

To figure out all of your expenses and calculate your debt ratios, you will need to get a copy of your three credit reports from somewhere like MyFICO

Look through all of the open accounts and add up the total monthly payment amounts.

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449 Credit Score Personal Loan

You don’t have to add any monthly payments to this total that are not on your credit reports, such as private loans with family, payday loans, or other non-reported expenses. 

Once you have the total amount of monthly payments reported to the credit bureaus, you will divide that number by your total verifiable monthly income. 

The resulting number is your debt-to-income ratio. 

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Increase Your Credit by 100+ Points

In a recent study at Credit Knocks, we found that *48% of clients who used a credit repair company got a credit score increase of 100+ points.

Consultation is quick, easy, and free.

For example:

If I have $5,000 in monthly income and $2,000 in monthly expenses and I divided the monthly expenses 2k by monthly income 5k, I would have a 40% DTI. 

There are multiple debt-to-income ratio calculators on the internet.  I like the free one provided by Credit.com 

Lenders like to see DTI’s below 36% which indicates that you have a manageable debt level and will have enough money left over for savings and expenses. 

3 Steps To Calculate Debt-To-Income Ratio

1.

Add up all of your monthly bills including rent, car payments, student loans, utilities, etc.

2.

Divide your total monthly bills by your total monthly income

3.

The resulting number is your debt-to-income ratio

Soft credit inquiry.  Multiple offers instantly.

Employment

Another crucial factor that many people may take for granted is your employment history. 

Lenders are looking for a stable employment history or, at least, a stable or rising salary history.

When a lender looks at your employment history, they are hoping to see that you have been employed with the same company for a few years and have made consistent income from year to year.

bad credit PERSONAL loans with a credit score of 440 441 442 443 444 445 446 447 448 449 personal loan for bad credit credit scores

If you have moved from one company to another over the past couple of years, it is OK too. 

If…

You can show that you have received similar pay or have received salary increased in each respective move. 

Lenders don’t care where you work; they want to be sure that you have a job and will keep it long enough to pay them back.

If you are moving from job to job, that is OK, so long as you can show the lenders that these moves are lateral or up, and your income has not been negatively impacted.

Soft credit inquiry.  Multiple offers instantly.

Take Action!

Finding the best personal loan rates can save you thousands of dollars over the life of the loan. 

There are multiple factors we have reviewed that determine how to get the best interest rates personal loans for bad credit.

The first step is to fill out a quick, free, no-obligation application, and start your pre-approval process today! 

Disclaimers:

Annual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers' credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval.

Additional Resources



Disclaimers:

Annual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers' credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval. Discrimination based on gender is absolutely forbidden. Whether the loan is for her or for him, you should receive the same terms.