Yes, you can get a $6,000 loan with bad credit if you have enough income to afford the monthly payments, but the loan is likely to have a high interest rate. Several lenders offer $6,000 personal loans for people with credit scores under 640, and a few may not even require a credit check at all. Instead, other factors such as your income and existing debts carry more weight during the approval process.
Best Places to Get a $6,000 Loan With Bad Credit
| Company | Credit Score Requirement | APR | Loan Amount |
| None | 7.80% - 35.99% | $1,000 - $50,000 | |
| 640 | 8.99% - 35.99% | $2,000 - $50,000 | |
| 640 | 11.72% - 17.99% | $5,000 - $40,000 | |
| 620 | 7.99% - 35.99% | $2,000 - $36,500 | |
| 620 | 8.49% - 35.99% | $1,000 - $50,000 |
Although you may qualify for a $6,000 loan with bad credit, it might not be the best idea. If you don’t need the money immediately, you should consider improving your credit score before applying for a loan, as doing so will likely qualify you for lower rates.
For more information, check out WalletHub’s tips on how to improve your credit score. You can also estimate your rates with multiple lenders using our free pre-qualification tool.
This answer was first published on 06/02/23 and it was last updated on 06/21/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
