The Best Loan Options For People With FICO® Scores Below 700

Christina Rodgers
The Best Loan Options For People With FICO® Scores Below 700
Quick FYI: The companies and recommendations in this post contain sponsored links. Which means A Quarter Richer receives compensation or a commission. You can learn more about our Advertising Policies by visiting here. We are telling you this because honesty is the best policy.

As the coronavirus pandemic forces the U.S. economy into a recession, many families are worried about covering their daily costs.

If you need help paying expenses right now, taking out a personal loan may provide you with the money you need. Personal loans generally charge lower interest rates than credit cards.

Obtaining a personal loan used to take weeks as banks reviewed every aspect of your financial life. But online lenders have changed the game, using automated tools to streamline the application process.

Here are the best personal loan solutions that can get cash in your hands fast:

1. This Loan Service Isn’t Worried About Your FICO Score

Founded in 1999, AmOne has grown to become one of the nation’s largest financial assistance companies for people with fair to bad credit. AmOne advisors will help you understand your current financial situation and tailor a solution that best fits you, not line the pockets of “fat cat” lenders. AmOne advisors can also assist you in applying for a loan, up to $50,000, to get you back on track.

If you have been turned down for loans before, don’t worry. AmOne advisors have seen it all. They can assist you in getting the right solution tailored to your needs even if your FICO Score is in the 495-595 range. APR’s will vary based on your individual needs, but they can start at as low as 3.99% APR.

Get AmOne

2. Apply For A No Interest - $2,500 Credit Limit

“Costly life events happen, but people shouldn’t have to pay up to four times retail prices for what they need!” That’s a direct quote from the CEO of Zebit. What is Zebit? Well, Zebit is an online store that offers no interest, no membership fees, and no FICO® score needed.

Zebit offers its customers access to a $2,500 line of credit to shop thousands of products on their site. “How does Zebit make money?” Like any retailer, Zebit sells products that it purchases at wholesale prices. The spread between the wholesale price and the listed price is how Zebit makes money.

Zebit offers members the flexibility to pay anything they buy over time. Zebit offers every type of product you can imagine. Electronics, computers, furniture, appliances, and more. Zebit offers all the major brands like Apple, Gucci, Samsung, Fitbit, Nintendo - you’re not getting cheap stuff!

To qualify for a Zebit account, you will need to be over 18, employed, retired, or disabled with benefits.

Apply Now

3. Trade-In Your Car With The Help Of This Loan Company

If you bought a new car, truck, or SUV in the past 24 months, you’ve probably paid too much. The stay at home orders caused a massive “glut” in the car market. Dealers need to liquidate their inventories asap. Some auto manufacturers are even offering 0% APR for 7 years to qualified buyers.

Fiona, from Even Financial, is a great solution for your auto loan needs! You can search for the perfect loan to get you into the new car, truck, or suv payment you can afford. They could even get you approved for financing with a FICO Score below 550.

Apply Now

4. Get This Company To Pay Off Your Credit Card Debt Before the Holidays

Finding the right personal loan and getting approved can take months. Who has months to wait for a loan? That’s why Even, the leading search, comparison, and recommendation engine for financial services created “Fiona.”

Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds, so you can get instantly matched with the right personalized offer all in one place. You can borrow as much as $100,000, with loan terms of up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply. Credit card debt can get out of hand fast, but you don’t have to continue paying those outrageous interest rates.

Get Even Now

Bonus Tip:

Before You Apply For A Loan Download This App To Boost Your FICO® Score

If your credit is on the cutoff of “Bad” to “Fair” or “Fair” to “Good,” Experian Boost™ tool could brighten your day in a few seconds.

All you have to do is sign up and verify that you have been paying your bills on time (cell phone bill, cable bill, other utilities.), and you could get an INSTANT credit score boost. Plus, it’s FREE! Nora V. got an increase of 47 points instantly! There’s no better way to improve your credit. Results will vary, see Experian’s™ website for full details.

Get Your Boost

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