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Best Personal Loans for 580 Credit Score (2026)
Getting a personal loan with a 580 credit score is challenging but possible. You'll need to target lenders that specialize in fair credit borrowers. Expect higher interest rates (18%–36%) and lower loan amounts. The lenders below are your best options right now.
Best Personal Loans for 580 Credit Score
Upstart
Top PickWhy we recommend it: Uses AI to evaluate more than just your credit score — considers education and employment history. One of the few lenders that accepts 580 scores.
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Avant
Strong MatchWhy we recommend it: Specifically designed for fair credit borrowers. Fast funding (often next business day) with no prepayment penalty.
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OneMain Financial
Good OptionWhy we recommend it: No minimum credit score. Offers secured and unsecured options. Secured loans can get you better rates even with a 580 score.
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Frequently Asked Questions
Can I get a personal loan with a 580 credit score?
Yes, but your options are limited. Lenders like Upstart, Avant, and OneMain Financial accept 580 credit scores. Expect APRs of 18%–36% and loan amounts typically capped at $20,000–$35,000.
What APR will I get with a 580 credit score?
With a 580 score, expect APRs between 18% and 36%. The exact rate depends on your income, debt-to-income ratio, and the lender. Upstart may offer lower rates if you have a strong employment history.
Should I get a secured or unsecured personal loan with a 580 credit score?
If you have collateral (car, savings), a secured loan can significantly lower your rate even with a 580 score. OneMain Financial offers secured options. If you don't have collateral, unsecured lenders like Upstart and Avant are your best bet.