$1,500 loans may be available to borrowers with different kinds of credit histories, but each lender will have its own requirements for approval. It's worth keeping in mind that the best loan terms usually go only to people with excellent credit.
Most lenders require you at least to be in the fair range, which is between 580-669. Even more so, lenders will want to see a score of at least 610-640.
With FICO, fair or good credit scores fall within the ranges of 580 to 739, and with VantageScore, fair or good ranges between 601 to 780. Many personal loan lenders offer amounts starting around $3,000 to $5,000, but with Upgrade, you can apply for as little as $1,000 (and as much as $50,000).
Navy Federal says its loans are available to borrowers across the credit spectrum, including borrowers with bad credit or thin credit histories, and there's no minimum credit score requirement. You must be a member of Navy Federal to apply.
If you're new to credit, it might take six months to a year to hit a respectable score of around 700 with FICO® or VantageScore® models.
Some of the easiest loans to get approved for if you have bad credit include payday loans, no-credit-check loans, and pawnshop loans. Before you apply for an emergency loan to obtain funds quickly, make sure you read the fine print so you know exactly what your costs will be.
Hardship personal loans are a type of personal loan intended to help borrowers overcome financial difficulties such as job loss, medical emergencies, or home repairs. Hardship personal loan programs are often offered by small banks and credit unions.
The FHA approves loan amounts based on factors like your credit score, living expenses, assets, debt-to-income ratio, household income, and the value of the property. As of 2025, the FHA maximum loan limit for a one-unit property is $524,225 in low-cost areas and $1,209,750 in high-cost areas.
When you need a quick $1,000 loan, you may be able to borrow money from an online lender. If you meet their eligibility requirements, you can apply online. Approval is typically fast with online lenders. Your loan proceeds might hit your bank account the same day or within a few days of approval.
Is a $2,000 loan hard to get? Your ability to get a $2,000 loan typically depends on your credit profile and a lender's requirements for approval. For instance, a borrower with bad credit may only be able to get approved from a lender that specifically advertises loans for people with less-than-perfect credit.
Secured loans
With a secured loan, you'll offer your lender an asset as collateral, like a car, a home or even a savings account. Because secured loans require valuable collateral, they're often easier to obtain than unsecured loans and generally offer better rates, since the lender is at less risk.
A FICO score of 620 or better is typically required for a conventional loan and, if your score is 760 or higher, you should qualify for the best interest rates.
Some federal credit unions offer payday alternative loans in amounts ranging from $200 up to $2,000. Some credit unions offer these loans without performing credit checks. Fees for payday alternative loans are capped at $20, and interest rates are also capped. Repayment terms can range from one month to 12 months.
If you need to borrow money fast, you can apply to your local credit union to find out what sort of loans and interest rates are available. Our guide Borrowing from a credit union can help you find out how it works and how to find one.
Many credit unions and online lenders that offer hardship loans accept borrowers with low credit scores or thin credit histories. It may be difficult to qualify for a loan if you have no income, but some lenders offer low-income loans.
HDFC Bank customers can get Personal Loans with minimal or no documentation. In fact, if they are pre- approved for a Personal Loan, they can easily apply for it.
Overall, Credit Karma may produce a different result than one or more of the three major credit bureaus directly. The slight differences in calculations between FICO and VantageScore can lead to significant variances in credit scores, making Credit Karma less accurate than most may appreciate.
The three nationwide credit bureaus — Equifax, Experian, and TransUnion — collect this information and put it in your credit report.