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
Best Lenders for Post-Divorce Borrowers
| 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 |
Frequently Asked Questions
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Sources & Methodology: WiseIQ's editorial team researches and fact-checks all content using primary sources including the Consumer Financial Protection Bureau (CFPB), Federal Reserve G.19 Consumer Credit Report, myFICO Credit Education, and lender websites for current rates and terms. Last reviewed: April 2026. How we rank products.