Top 3 Bad or Low Credit Loan Platforms

Being in any economic condition, it is essential to be able to get a loan. Finding a loan may be a challenging task when you have a low credit score. However, many lenders offer such loans to people with low credit scores.

This blog will list the top 3 platforms providing loans for those with a low credit score. You must also visit for more details.

Choose the Best Lenders

We know the demand for loans is enormous, and many look for the best options. We have all these loans available, but not all offer what you need in terms and conditions, interest rates, etc. With a low credit rating, it is challenging to qualify for loans. Fortunately, some platforms provide loans more readily for people with low credit scores. The best platforms are listed below:


Upstart is the first platform on our list because it can provide a reasonable amount for people with a low credit score. The website for Upstart states that applicants with a credit history need a credit score of at least 300 to apply, while Upstart also accepts applications without a credit history.

This platform can provide a loan amount in the range of $1,000 to $50,000. This platform’s annual percentage rate, or APR, is in the range of 6.5% to 35.99%. You will be shocked to know that they provide various loans, including home improvement, weddings, and more.

Viva Payday Loans

Viva payday loans are an excellent platform for people with low credit scores. Viva Payday Loans has been offering payday loans for many years.

Customers at Viva Payday Loans have access to flexible funding options. A customer with a bad credit score can get personal loans ranging from USD 100 to USD 5000. The APR of this platform range from 5.99 percent to 35.99 percent.


CocoLoan is a terrific place to start if you want to discover where you can get money since you’re in a financial bind. It is a website that links borrowers with bad credit with prominent lenders in the market ready to provide loans without credit checks.

This platform has over a hundred lenders who are offering a variety of loans. The best part of this website or platform is that they did not charge any penny for their services. If you apply with Cocoloan, you can have money in your account in only three simple steps. The work includes filling out the application, and more are performed online. It means you can apply for a loan in the comfort of your home.


You need to have credit to qualify for a loan. Even if you have a good income and a reasonable amount of savings, many loan providers will only give you a chance if they consider you a risk to their business. And this situation becomes more common as society grows, and people want to get loans without collateral except for their word of honor.