Divorce comes with unexpected costs — legal fees, moving expenses, and starting over. Find personal loans designed for borrowers rebuilding their financial lives.
$2K–$50KTypical Range
580+Min. Credit Score
1–4 DaysAvg. Funding
The average divorce in the United States costs between $15,000 and $30,000 when accounting for legal fees, court costs, mediation, and the financial disruption of separating two lives. A personal loan can help cover these costs and provide a financial bridge while you rebuild.
The challenge: divorce often damages credit scores through joint account mismanagement, and lenders may see a recently divorced borrower as higher risk. The key is finding lenders that look beyond your credit score to your current income and financial stability.
Common Post-Divorce Loan Uses
Attorney fees
Moving costs
Security deposit
New furniture
Emergency fund
Debt consolidation
Car purchase
Childcare costs
Best Lenders for Post-Divorce Borrowers
Rates verified May 2026 · Updated weekly
Lender
Min. Credit Score
Max Loan
APR Range
Why It Works Post-Divorce
Avant
580
$35,000
9.95%–35.99%
Accepts lower scores, fast funding
Upgrade
580
$50,000
9.99%–35.99%
Flexible terms, accepts fair credit
LendingClub
600
$40,000
9.57%–35.99%
Joint loan option if needed
Upstart
No minimum
$75,000
6.20%–35.99%
AI underwriting, considers income
OneMain Financial
No minimum
$20,000
18%–35.99%
Accepts poor credit, secured option
ALSO CONSIDER
Upstart — Best for Fair Credit & Thin Files
Upstart's AI model approves borrowers that traditional lenders reject — no minimum credit score required. Rates from 6.20% APR, up to $75,000, funded in 1 business day.
We monitor rates across 50+ lenders and alert you when better options become available for your profile.
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Frequently Asked Questions
Can I get a personal loan after a divorce? +
Yes. Lenders evaluate your current financial situation, not your marital status. Your income, credit score, and debt-to-income ratio are what matter.
Will my divorce affect my ability to get a personal loan? +
Divorce itself is not reported to credit bureaus, but the financial fallout (missed payments on joint accounts, reduced income) can lower your credit score and affect loan eligibility.
What credit score do I need for a personal loan after divorce? +
Lenders like Avant and Upgrade accept scores as low as 580. For the best rates, aim for 660+. If your score was damaged during the divorce, consider a secured loan or credit builder loan first.
Can I use a personal loan to pay divorce attorney fees? +
Yes. Legal fees are an approved use for personal loans. Many divorce attorneys also offer payment plans, so compare both options before borrowing.
How much can I borrow after a divorce? +
Loan amounts depend on your income and credit score. Most lenders offer $2,000–$50,000 for personal loans. Use our personal loan calculator to estimate monthly payments at different amounts.
Advertiser Disclosure: WiseIQ may earn a referral fee from some lenders and financial products on this page. This does not influence our editorial ratings or recommendations. Our reviews are independently researched and editorially independent.
Most personal loan lenders require a minimum score of 580–640. The best rates (under 10% APR) typically require a score of 720+. Some lenders like Upstart consider education and employment history alongside credit scores.
Online lenders like Upstart can approve and fund loans in as little as 1–3 business days. Traditional banks may take 1–2 weeks. Pre-qualification takes just minutes and doesn't affect your credit score.
The average personal loan APR is 11–12% for borrowers with good credit. Rates range from 6% for excellent credit to 36% for poor credit. Always compare at least 3 lenders before accepting an offer.
Yes — lenders like Upstart, Avant, and OneMain Financial specialize in loans for borrowers with scores below 640. Expect higher rates (20–36% APR) and consider a co-signer to improve your terms.
ALSO CONSIDER