If you need a loan but don’t have good credit, you need to know which lenders are most likely to work with bad-credit borrowers. We’ll cover lenders that consider applicants with either bad credit (a FICO score below 580) or fair credit (a FICO score between 580 and 669), plus what to expect, and steps you can take to improve your application. Lender Fixed (APR) Loan Amounts Min. Credit Score Credible lender ratings are evaluated by our editorial team with the help of our loan operations team.