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Best Personal Loans for 600 Credit Score (2026)
A 600 credit score opens up more personal loan options than 580. You're still in the fair credit range, but lenders like Upstart and LendingClub will consider your application. Rates will be higher than average — here's how to get the best deal.
Best Personal Loans for 600 Credit Score
Upstart
Top PickWhy we recommend it: AI-powered underwriting looks beyond your credit score. Strong employment history can unlock better rates even at 600.
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Avant
Strong MatchWhy we recommend it: Designed for fair credit borrowers. Fast approval and next-day funding available.
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LendingClub
Good MatchWhy we recommend it: 600 is right at LendingClub's minimum. If approved, you can access up to $40,000 with competitive rates for your score range.
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Frequently Asked Questions
What personal loans can I get with a 600 credit score?
With a 600 score you qualify for lenders including Upstart, Avant, and LendingClub. Loan amounts typically range from $1,000–$40,000 with APRs of 15%–32%.
How can I improve my chances of approval with a 600 credit score?
Apply with a co-signer if possible (can dramatically lower your rate), reduce your debt-to-income ratio before applying, and consider lenders that use alternative data like Upstart. Avoid applying to multiple lenders simultaneously as each hard inquiry can lower your score.
How much can I borrow with a 600 credit score?
Most lenders will approve $1,000–$25,000 for a 600 credit score. LendingClub goes up to $40,000 but approval at the higher end requires strong income. Upstart can go up to $50,000 with strong employment history.