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$20K Personal Loans For Good & Bad Credit

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$20,000 Loans For Good, Bad or Fair Credit

If you are looking for information on $20,000 personal loans such as repayment, interest rates, terms, and more, you are in the right spot.

Throughout this page, we will help all credit types explore options for securing a $20,000 personal loan.

Keep reading to learn more about $20K personal loans.

How can I secure a $20,000 personal loan? What credit score should I have?

If you have good credit you may have more options when it comes to qualifying for a $20,000 personal loan. You may qualify for a personal loan from a bank, credit union, or online lender. There are different loan options if you have fair credit or even bad credit. In most cases, online lenders have less overhead which allows them to offer the most competitive rates.

Banks and credit unions can offer good interest rates for personal loans as well. If you value face-to-face interaction or have a complicated situation you may want to use a bank or credit union.

However, in most cases using Acorn Finance or an online lender can help simplify the personal loan process while making sure you get a competitive interest rate, no matter your credit score.

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$20K Personal Loans: Frequently Asked Questions

What are the best $20k personal loans? 

In general, there are two main categories of loans: secured and unsecured.

Secured loans are loans that are backed by collateral. Collateral can consist of your home, vehicle, or other assets, depending on what the lender permits. Some secured loans, such as auto loans, can require collateral and a down payment. While secured loans reduce the risk for the lender, which can allow them to relax requirements in some cases, they can be more complicated and risky for the borrower. However, in some cases they are more cost-effective and can make sense. 

Unsecured loans are loans that are not backed by collateral. Instead, they are extended based on your creditworthiness. While secured loans also examine a borrower’s creditworthiness, they are not solely based on it. With an unsecured loan the lender assumes more risk. If the borrower defaults on the loan it can damage their credit score, but there’s no collateral to be seized. For example, if you use an unssecured loan to build an accessory dwelling unit (ADU), and default on the loan, the lender should not come posses the ADU. While the funds were allocated toward the ADU, it really has no tie to the loan. 

When you need to borrow larger amounts, such as $20,000, you usually encounter more options. Some are secured and some are unsecured. Now that you understand the difference between the two, let’s look at a few examples of each. 

Types of secured loans:

  • Home equity loan: Home equity loans are secured by your home. To qualify, you will need to have equity in your home, usually about 20%. Home equity loans are obtained for a variety of reasons from financing education or investing in home repairs. With real estate being a valuable asset, lenders can offer competitive offers for home equity loans as they can end up working in their favor, whether the borrower defaults or holds up their end of the deal. 
  • Auto loan: When you use an auto loan, the vehicle being financed usually serves as the collateral. Therefore, the loan is based around the value of the vehicle. Auto loans commonly require collateral and a down payment, since cars are depreciating assets. With the likelihood that your cars value will go down over time, lenders may be more selective when approving auto loans. 
  • Home equity line of credit: Similar to a home equity loan, a home equity line of credit is secured by your home. To qualify, you will need equity in your home. A home equity line is similar to a credit card with a high spending limit. It’s a revolving line of credit that you can draw on as needed. You will only be required to repay what you borrow, with interest. For ongoing expenses, such as paying for your child’s education, or funding a business, a home equity line of credit can come in handy.

Types of unsecured loans:

  • Personal loans: Personal loans are popular due to their generous loan amounts, fast funding times, and convenience. With few spending restrictions, you can use a personal loan for several things. Additionally, a personal loan usually does not require collateral. Often used for home improvements or repairs, personal loans can also be used for debt consolidation, funeral financing, wedding financing, and more. 
  • Credit card: Credit cards can be easy to swipe, but be mindful that interest can accumulate quickly. If you need to borrow $20,000 for a few days or weeks, a credit card may be an option. However, for short term or long term loans, you may want to consider an alternative option. 
  • Home improvement loan: From converting your basement into an extra room or office to landscaping your yard for the summer, creating a more livable space can improve your life. Additionally, it can increase the value of one of your best assets. Whether you are a homeowner or renter, you can use a home improvement loan to make home improvements or repairs. Without a collateral requirement, this can be an attractive option. At Acorn Finance, our network of lending partners specialize in home improvement loans. Check offers up to $100,000, depending on credit score today.

How do you compare $20,000 loans?

While you can research lenders independently to see which might be the best fit, this can be time-consuming. We have seen a boom in the online marketplace for personal loans. Lenders and businesses are recognizing the value in working together to help more people. Through platforms such as Acorn Finance, you can check rates and compare loan offers from a network of top national lenders.  

As you compare offers, consider the following components of loan offers as applicable. It’s important to look past just the monthly payment or loan amount. 

  • APR: APR can play a big role in the total cost of the loan. APR represents the yearly interest charge generated by the loan. In most cases, the interest fee for the year will be bundled into monthly payments, so you may not even realize your are paying it. That is, until you do the math or look at the APR. If you take out a $20,000 loan with a repayment period of five years, the APR can add up year over year. 
  • Fees: On top of APR, you may encounter fees applied to your loan. Origination fees or late payment fees are a few examples of fees. Some loans may have higher fees than others, thus impacting the total loan cost. 
  • Total loan cost: Note what the loan will cost you over the duration of the loan. If there are no prepayment penalties, you may be able to pay the loan off sooner that the repayment period to save money on the total loan costs. 

At Acorn Finance, you can check personal loan offers up to $100,000, depending on credit score. Our network of top lenders wants to earn your business. Check rates in minutes with no credit score impact. With access to multiple offers in one place you can simplify the process of finding the best personal loan offer. We streamline the loan shopping process by providing consumers with a safe and secure platform to shop for personal loan offers. Without commitment or a credit score impact, you can still see what you qualify for. 

What are $20k loans?

A $20,000 loan is a loan for $20,000. They can come in various types such as home equity loans, personal loans, home equity line of credit (HELOC), auto loans, and so forth. 

How do $20k personal loans work?

The specifics on how a $20k personal loans works can vary, depending on the lender. In general, a personal loan is funded as a lump sum that’s to be repaid over a predetermine period with interest. Most personal loans have few spending restrictions so you can use the funds as needed, as long as you are within the restrictions. Personal loans are a type of installment loan. 

When are $20k loans worth it?

Using a loan for a purpose that can benefit your life or increase the value of an asset can make it more justifiable. What you want to avoid is taking out a loan to solve one financial dilemma, but creating another with the new debt. Some examples of uses for a $20k personal loan that might make sense can include:

List pros & cons of $20k personal loans:

Pros 

  • Fixed monthly payments
  • Funding in as little as 1-2 business days (although funding times may vary) 
  • Funded as a lump sum 
  • Few spending restrictions
  • Marketplace of lenders to consider 

Cons

  • Interest rates and fees
  • Risk of default 
  • Credit score impact 
  • Increase in project costs 
  • Increases debt 

Why choose Acorn Finance for comparing $20k loans?

Partnering with a trusted platform such as Acorn Finance can alleviate some of the stress associated with taking out a loan. At Acorn Finance, we work to streamline the process of checking personal loan offers with our safe and secure platform. At Acorn Finance, you can check rates in seconds with no credit score impact. Take advantage of our convenient portal with vetted and trusted top lending partners. With well-known names, you can expedite your way to finding the right $20,000 dollar personal loan. 

Additionally, we eliminate the frustration of sifting through the internet, verifying lenders, and researching for hours. Whether you are ready to take out a loan today or just shopping around - you have everything to gain by checking offers at Acorn. 

Plus, you can sign in and return to them at a later date if the offers are still available. Our lending partners can fund loans in as little as 1-2 business days, although funding times can vary, so when you’re ready to accept an offer, they are ready to help. Upon accepting the offer, you can complete the application and approval process with the lender of your choice. 

We take the overwhelming process of shopping loan offers and bundle them up into a nutshell (no pun intended). 

Pros and cons of lenders $20k personal loans:

Lenders typically have minimum and maximum loan amounts, but these are not guaranteed for everyone. Applicants will need to qualify. However, if you need to borrow $20,000, you will want to at the least apply with a lender that’s a possibility with. Here are some top lenders for personal loans. 

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What is the monthly payment on a $20,000 loan?

Payments on a $20,000 personal loan can vary from $273 and up. Your approved rate and loan term can determine what your exact payment is. You can discover many useful online loan calculators that can help you estimate monthly payments. It's a good idea to pay 10% – 20% more than the minimum payment every month. Paying a little extra every month can help you pay the loan off faster and save money. The faster you pay the loan off, the less interest you should pay. If you plan to pay the loan off early you should make sure there is no early payoff penalty.

What credit score is needed for a $20,000 personal loan?

You should have a 640 or higher credit score in order to qualify for a $20,000 personal loan. If you have bad or fair credit you may not qualify for the lowest rates. However, in order to rebuild your credit you may have to pay higher interest rates and make on-time payments. If you are concerned about qualifying for a $20,000 personal loan you should apply with a co-signer if possible.

What are the interest rates on a $20K personal loan?

Acorn Finance partners with top-rated and competitive lenders that offer personal loans up to $100,000 and rates starting at 6.99%. If you have excellent credit you may qualify for the 4,99%. If you have bad or fair credit you may qualify for a higher interest rate. Acorn Finance allows you to compare personalized loan offers without affecting your credit.

Can I get a $20,000 personal loan with bad credit?

Whether you have good credit or bad credit, you can qualify for a personal loan. If you have bad credit and are looking for a personal loan you should avoid applying to multiple lenders and submitting multiple applications. So you may be wondering how you are supposed to find a lender that you qualify for? The answer is simple: Acorn Finance. Acorn Finance allows you to submit one application that does not affect your credit. After submitting the application you will be connected to a variety of lenders that you qualify for.

How Can I Get A $20K Personal Loan Fast?

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$20,000 Loan Calculator

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What can I do with a $20,000 personal loan?

A $20,000 personal loan has a number of uses, including (but not limited to):
Home improvement Buying a car Wedding costs
Debt consolidation Medical bills Startup business costs
FREQUENTLY ASKED QUESTIONS

Still have questions?

Will a $20,000 personal loan affect my credit score?

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The initial application process should not affect your credit score. However, if you submit multiple applications to multiple lenders, your credit may take a hit. Once you sign into a personal loan it should show up on your credit. In some cases, it may improve your credit rating.

Where do I get a $20,000 personal loan?

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If you are looking for a $20,000 personal loan, you should explore your options. If you have excellent credit you may be able to qualify for all of the sources listed below. However, if you have bad or decent credit we recommend you use an online lender. In most cases, online lenders are the easiest to qualify for. Let's take a look at where you can get a $20,000 personal loan...

Online Lenders

Online lenders offer some of the most competitive rates and they may be the easiest to qualify for.

Banks

Banks may be the second easiest to qualify for. However, their application process can take much longer than most online lenders.

Credit Unions

While credit unions may offer great rates, they can be difficult to qualify for. Most credit unions require borrowers to have good to excellent credit. In addition, their application and approval process can take longer than banks and online lenders.

What to consider before applying for a $20,000 loan?

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Before applying for a $20,000 personal loan you should consider what lenders may ask for, what terms you desire, and how much of a monthly payment you can afford. Lenders may ask for proof of residency, proof of income, personal references, and more. You should be able to provide these types of items before applying for a personal loan. If you need to borrow $20,000 for home improvement or debt consolidation using a personal loan may be one of the best options. Compared to credit cards, personal loans usually have much lower rates and more flexible terms.

How do you compare $20,000 loans?

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While you can research lenders independently to see which might be the best fit, this can be time-consuming. We have seen a boom in the online marketplace for personal loans. Lenders and businesses are recognizing the value in working together to help more people. Through platforms such as Acorn Finance, you can check rates and compare loan offers from a network of top national lenders.  

As you compare offers, consider the following components of loan offers as applicable. It’s important to look past just the monthly payment or loan amount. 

  • APR: APR can play a big role in the total cost of the loan. APR represents the yearly interest charge generated by the loan. In most cases, the interest fee for the year will be bundled into monthly payments, so you may not even realize your are paying it. That is, until you do the math or look at the APR. If you take out a $20,000 loan with a repayment period of five years, the APR can add up year over year. 
  • Fees: On top of APR, you may encounter fees applied to your loan. Origination fees or late payment fees are a few examples of fees. Some loans may have higher fees than others, thus impacting the total loan cost. 
  • Total loan cost: Note what the loan will cost you over the duration of the loan. If there are no prepayment penalties, you may be able to pay the loan off sooner that the repayment period to save money on the total loan costs. 

At Acorn Finance, you can check personal loan offers up to $100,000, depending on credit score. Our network of top lenders wants to earn your business. Check rates in minutes with no credit score impact. With access to multiple offers in one place you can simplify the process of finding the best personal loan offer. We streamline the loan shopping process by providing consumers with a safe and secure platform to shop for personal loan offers. Without commitment or a credit score impact, you can still see what you qualify for. 

What are $20k loans?

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A $20,000 loan is a loan for $20,000. They can come in various types such as home equity loans, personal loans, home equity line of credit (HELOC), auto loans, and so forth. 

How do $20k personal loans work?

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The specifics on how a $20k personal loans works can vary, depending on the lender. In general, a personal loan is funded as a lump sum that’s to be repaid over a predetermine period with interest. Most personal loans have few spending restrictions so you can use the funds as needed, as long as you are within the restrictions. Personal loans are a type of installment loan. 

When are $20k loans worth it?

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Using a loan for a purpose that can benefit your life or increase the value of an asset can make it more justifiable. What you want to avoid is taking out a loan to solve one financial dilemma, but creating another with the new debt. Some examples of uses for a $20k personal loan that might make sense can include:

Is a $20K personal loan right for me?

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Acorn Finance is 100% free to borrowers and contractors. If you are a contractor looking to provide an affordable payment solution for customers you should contact Acorn Finance. If you are a borrower looking for a $20,000 personal loan you should apply online through Acorn Finance. Acorn Finance partners with tons of reliable lenders that can assist all credit types. They make the personal loan process fast, easy, and stress-free.

How can I get a $20,000 loan?

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There are several financial institutions that offer $20,000 personal loans. To get a $20K personal loan, you'll probably need to apply. So where should you apply? While your preferred bank or credit union may offer personal loans, there is a long list of other trustworthy lenders that can offer personal loans too. When it comes to securing a personal loan, you want to make sure you get a fair deal. What is considered a fair deal, usually depends on the borrower and their credit history.

To qualify for a $20,000 loan, you will want to make sure your credit report is in good standing. If you have any delinquent accounts or any bills that went to collections, you should try to make settlement offers to pay those accounts off completely and to have them removed from your credit report.

Also, take a good look at your current debt. Do you have more than a few credit cards with significant balances on them? You should try to pay those credit cards down to below 30% of your credit limit to raise your credit score. Even better if you can get it to be below 10%. You want your overall credit usage to be below 30%, but the lower the better.

Another thing lenders will consider is your debt to income ratio. If you have money going out each month to pay off debts, what percentage of your monthly income is going to those payments. If you add the $20,000 personal loan, will the monthly payments put you over a 36% debt to income ratio? If you have credit challenges or a high debt-to-income ratio, you should consider improving your financial standing before applying for a loan. In addition to increasing your chances of approval, you are likely to lock in a lower interest rate with a better credit score. A lower interest rate can save you money during the life of the loan.

To check personal loan offers with no impact to your credit score, visit Acorn Finance. Acorn Finance partners with several industry leading lending partners that can provide personal loans. By visiting Acorn Finance and submitting an application you can check offers for free.

Is a personal loan the best way to borrow $20,000?

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A personal loan may be the best way to borrow $20,000 for several circumstances. The main thing to consider is that most of the time, a personal loan does not require a full explanation with detailed information about how you are going to use the money. This gives you some freedom to spread the money around to a few different uses.

Maybe you want $20,000 so you can consolidate debt, finance car repairs, or finance a home improvement project.

Personal loans can provide funds for just about anything you need. However, there are other loans that can provide funds as well. While a personal loan may sound easy, you should consider all options and compare them from a financial standpoint.

If you are comparing a personal loan with a credit card, there's a good chance the personal loan will make more financial sense. Credit cards typically have much higher interest rates compared to personal loans. In addition, using more than 30% of your credit card balance could cause your credit score to drop. In most cases, it will make more sense to use a personal loan compared to a credit card.

Ultimately, it's up to you as a responsible borrower to explore and compare your options to make an educated financial decision.

How do you pre-qualify for a $20,000 personal loan?

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To pre-qualify for a personal loan, you should submit an application at Acorn Finance. Within 60 seconds or less you can check pre-qualified offers with no impact to your credit score. In some cases, you may be asked to submit supporting documents such as proof of income to advance from a pre-qualified borrower to a pre-approved borrower.

What can a $20,000 personal loan be used for?

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Well, just think about what you would do with $20,000. A personal loan, like we discussed before, does not always require specific itemized plans to be submitted along with the loan application. You can use the money for any number of things.

Here are some examples of what other people have used a $20,000 personal loan for in the past.

Kitchen remodel: You might not be able to do a complete extravagant remodel of your kitchen for $20,000, but you definitely can make some serious upgrades. Maybe put in new flooring, update your appliances and light fixtures, and some new countertops. Or use the $20,000 to get all new custom cabinets built and installed.

Basement waterproofing or crawlspace encapsulation: Though not as glamorous as a kitchen or master bathroom remodel, could be necessary nonetheless to protect your home's foundation. If you are seeing flooding in your basement or crawlspace, you can install some drainage, repair any cracks or holes, and apply a waterproof sealant to keep moisture out.

Install a new deck: You can build a pretty decent deck for $20,000 that can add value to your home as well as provide additional living space for you and your family to entertain.

Install an outdoor kitchen: An outdoor kitchen is an incredible feature of a home that opens up the entertaining possibilities and takes them to a whole new level. $20,000 is enough to install some counter space, a new grill, a few appliances, and install new electric and plumbing fixtures.

Renovate your backyard: Though a full renovation of your backyard can cost much more than $20,000, you can still get a lot done with that amount of money. Plant new trees, shrubs, and flowers as well as lay some rock or mulch. Maybe build a pond or lay down some patio pavers to build a new fire pit.

These are just a few of thousands of projects you could take on with $20,000. If you have a large amount of credit card debt, you could consider a personal loan to consolidate your debts or consolidate your credit cards.

Can you get a $20,000 loan online?

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Yes, you can get pre-qualified for a $20,000 personal loan online. In some cases, you may be able to complete the entire process from home. An online personal loan process may be the preferred method by both lenders and borrowers. Applying for a loan at Acorn Finance allows you to shop for a loan with many lenders across the country that you may not have access to in your local area. To get started, simply visit www.acornfinance.com and submit the online form.

Acorn Finance has trustworthy lending partners that can offer APRs as low as 6.99% depending on your credit score. Individuals can discover simple and competitive payment options through Acorn Finance. At Acorn Finance, you can submit one application and receive loan offers in 60 seconds or less with no impact to your credit score. Once you have claimed the best offer and finalized the loan, you can receive funds quickly.

What would payments be on a $20,000 loan?

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Your interest rate and the loan term will determine exactly how much your monthly payments will be, but for $20,000, you can expect a monthly payment of around $322. This estimate is based on a $20,000 loan at 6.99% for 6 years. At 8.99% for 6 years you would expect a monthly payment around $360. For a realistic payment estimate, you should apply at Acorn Finance to find out what rate, term, and loan amount you qualify for.

You should aim to pay an additional 10 to 20% more than the minimum amount each month. Doing so will help you pay off the loan faster and save you money in the long run.

Can you get a $20,000 personal loan with bad credit?

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In most cases, you will not qualify for a loan of $20,000 if you have bad credit. Since $20,000 loans are considered high, lenders will want to make sure you can repay the loan and have a track record of doing so.

Lenders will look for borrowers who have good credit at the very least, but usually, they want lenders who have excellent credit. If you are worried about your credit, you can try to find a lender who gives loans to fair credit borrowers. This is a great way to find the lending options you need. Always make sure to check the terms and conditions though. Lenders who give loans to people with fair or bad credit will usually give loans with very high interest or high APR.

If this is your only option, it might be a good idea to spend a few months raising your credit score before getting a loan. Loans with high interest and high APR can take a very long time to pay back and may end up making your finances burdensome.

Before taking out a high-interest loan, look at your other options. These may include getting a cosigner for a lower interest loan or getting a secured loan where you use collateral to help you get the loan you need.

How do you get a $20,000 personal loan with bad credit?

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The first step you should take is to check your credit score. Is it really as bad as you think? If your credit score is below 600, you should invest some time into rebuilding your credit score. If you need money ASAP, you should cut right to the chase and check personal loan offers. With a fragile credit score you will want to be careful checking offers. If a lender needs to do a hard credit pull to generate a loan offer, you should avoid applying. You will only want your credit pulled when you know you want to accept the terms. At Acorn Finance you can check personal loan offers without impacting your credit score. With a network of top national lenders, it's likely that you will be able to find a lender with competitive terms at Acorn Finance. You can also apply to lenders who specialize in giving borrowers with bad credit the loans they need. Be careful with lenders who give loans to people with bad credit though, as they often have very high interest and very high APR. Make sure you review all your lending options and shop around before choosing one. Remember that bad credit is considered to be under 580. Fair credit might give you a few more options when it comes to lending. Fair credit ranges will be 580-669. Online personal loans are one of the best ways to get loans with bad credit.

What is the minimum credit score for a $20,000 personal loan?

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Minimum credit score requirements typically depend on the lender and the loan amount you are requesting. Some lenders will be willing to work with people who have bad credit and others will be more strict. Most lenders will want you to have a credit score of 640 or higher. However, just because a lender is willing to work with you and your credit score doesn't mean they will give you the best interest rates and terms.

High interest and high APR are common when it comes to borrowing with fair or poor credit. It's why many borrowers decide to get a lender that will allow them to use collateral or a co-signer to help get a loan. While this might not be the most ideal loan condition, it is sometimes better than getting a loan with high interest.

Before choosing a lender, always shop around and try to find the best one. If you can't find a lender that will work with you, you might have to spend some time raising your credit score before you apply for loans. This might take a few months, but it will be worth it to find a loan with lower interest.

Spend time comparing interest and lenders. Make sure not apply to too many lenders at one time or you risk getting too many hard pulls of your credit. This can cause your score to drop several points.

What is considered bad credit when looking for a $20,000 personal loan?

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Getting a loan when you have bad or poor credit can be hard. It might also be frustrating and discouraging if you have been denied lending in the past. When you are looking for personal loans that are $20,000, you will probably need a credit score of at least 670. At the very least, you will likely need a score of 640. While you may qualify for a smaller loan amount with a lesser credit score, $20,000 is not pocket change.

Anything less than 640 will probably be considered bad credit when it comes to lenders looking at giving you a $20,000 loan. However, every lender is different. If you have a high income and low debt-to-income ratio, lenders might be willing to give you a loan even if your credit is more on the fair end.

If you don't have good to excellent credit, lenders will consider you to be a risky borrower. Taking steps to raise your credit score is one of the best ways to get the loan that you need. Good credit typically starts at 670. Having a credit score less than 670 is not the end of the world though. You might still qualify for a loan but likely not in the amount of $20,000.

What lenders provide $20,000 personal loans for bad credit?

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Lenders who provide loans for bad credit may charge higher interest prices or high APR. Always make sure you check the terms and conditions before you take out a loan of any size. While the requirements of every lender differ and you will need to check with them individually, here are some of the lenders who provide the best loans for those with bad credit:

  • Upstart: Upstart considers other factors than a borrower's credit score to give bad credit borrowers a better chance of approval. They may consider your education, job history, and income along with your credit score. So, if you have bad credit or poor credit, you might still qualify for lending if you make a good income and have a solid job history.
  • OneMain Financial: Willing to give loans to people with poor or bad credit. Higher loan amounts might require collateral though.
  • Upgrade: With a minimum credit score requirement of 580, Upgrade can help bad credit borrowers.
  • LendingClub: A cosigner can increase your chance of approval. At LendingClub you can apply for any available loan amount with a cosigner.
  • Best Egg: Best Egg is a top choice for bad credit borrowers that need a debt consolidation loan. Debt consolidation loans are usually just personal loans used for debt consolidation.
  • Prosper: Prosper can offer low-interest loans to people with poor credit if they need small home improvement loans or personal loans. You might not qualify for $20,000 though.

Discover the best rates for $20,000 personal loans... check offers today!

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