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Most lenders use your FICO—which ranges from 300 to 850—when considering you for a new loan.
Within that range, scores below 669 are considered "fair" and "poor," while scores above 700 are considered "good" and "excellent" depending on where they fall.
Lending Club offers personal loans and debt consolidation loans, and funds are often deposited in as few as three days.
Lending Club requires credit checks for final approval, but still has borrowing options for people with less than perfect credit.
APR: 6.95% to 35.89% depending on your creditworthiness Term: 36 or 60 months Lending Club offers loans of up to ,000 and has a quick application process that allows you to check your interest rate without affecting your credit score.
These types of loans often have certain pitfalls, like higher interest rates and stricter terms, and are not typically recommended for someone who could qualify for a more conventional loan.
Checking your own credit does not hurt your score and will give you a better idea of what type of loans you may get approved for.
Whether you have a thin credit file or just bad credit, you need to understand exactly what‘s in your credit report before applying for a loan so you know where you stand when talking to lenders.
You might check your credit and find that you actually have a score that allows you to apply for a regular personal loan with better interest rates and terms—which will save you money over time.
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You can also browse through Experian's personal loan marketplace, where several lenders use alternative data.