Bad Credit Loans In Missouri

Name: Acorn Finance Offers
Brand: Acorn Finance
Rating: 4.6 (1079 reviews)

Get personalized rates in 60 seconds for bad credit loans in Missouri, without affecting your credit score.

Our customers say Excellent Trustpilot stars

4.6 out of 5 based on 1079 reviews

Our customers say Excellent Trustpilot stars

4.6 out of 5 based on 1079 reviews

Missouri Online Loans For Poor Credit

Having bad credit shouldn’t be a complete disqualifier when it comes time to get an installment loan, but that doesn’t mean it can’t be. With the increase in online loans, borrowers now have more access to lenders and loan offers. The internet allows borrowers to expand their shopping geography, obtain more education, and compare offers from the comfort of their own home.

Example personal loans in Missouri

10.49%³

APR

60 mos.

Loan term

$5,000

Loan amount

³Last updated on 03/21/2025. More than 10% of loans taken in the state of Missouri have a lower APR than what is advertised here. You may have different rates and terms than what is being advertised.

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Helping Missouri Residents Find Bad Credit Personal Loans

To put it simply, bad credit loans in Missouri are just installment loans for individuals who have credit scores that are lower than the average. Lenders that specialize in bad credit loans can be referred to as subprime lenders. There are other types of loans too such as payday loans or vehicle title loans that may be used more often by borrowers with bad credit.

For Missouri residents, we've organized valuable information to help you learn more about bad credit loans. At Acorn Finance we believe in empowering people through information. From a wealth of blogs to a platform that allows individuals to check loan offers with no credit impact, we strive to help individuals in any way we can.

Here's what you should know about bad credit personal loans in Missouri.

Bad Credit Loans in Missouri: Frequently Asked Questions

How do bad credit installment loans in Missouri work?

Bad credit installment loans in Missouri can be used for a variety of reasons. From bad credit home improvement loans to bad credit emergency loans, installment loans are very common. Part of the reason they are so popular is their simplicity. With an installment loan, the borrower can apply for the loan and if approved, can get a lump sum of money. The money is then to be repaid in installments, typically monthly, with interest over a predetermined period.

Personal loans, or home improvement loans, are installment loans. In addition to fixed monthly payments, they can also come with no spending restrictions. At Acorn Finance, you can check offers for personal loans up to $10,000, depending on credit score. While our niche is home improvement loans, our lending partners offer personal loans too.

With funding available in as little as 1-2 business days (although funding times can vary) and no credit impact from checking offers, we do what we can to simplify the loan shopping process. Set your worry aside and start by simply seeing what you qualify for. Note that offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above.

What credit score is needed for a bad credit loan near me?

We'll keep this as simple as we can. Offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above. So, how do you know if you have a bad credit score? First you can check your credit score using a credit monitoring service or inquire with one of the three main credit bureaus. For references here's how FICO credit scores are classified according to Experian.

Poor 300-579
Fair 580-669
Good 670-739
Very good 740-799
Exceptional 800-850

Beyond that, here's what makes up a FICO score, or how it's calculated.

10% New Credit
10% Credit Mix
15% Length of Credit History
30% Amounts Owed
35% Payment History

How do you find an online bad credit loan near me?

Wondering how to check a bunch of loan offers without leaving your house? We're one step ahead. Visit Acorn Finance to check personalized offers with no credit impact. Our network of top national lending partners come to you, via the internet.

How to choose the best Missouri personal loan for bad credit for you:

Picking the right Missouri bad credit loan isn't the same as picking out what you want for dinner — it requires a lot of thought and consideration. But, what do you even look for? Let us help outline that.

As you compare offers, consider the following:

Interest rate
Repayment period
Payment
APR
Prepayment Penalties
Fees
The lender (be careful who you do business with)

Ready to compare offers? Go to Acorn Finance online to receive personalized offers in seconds.

Other States with Bad Credit Loans

Other Missouri Loan Options:

Find Banks Near St. Louis, Missouri

Check Offers for Bad Credit Loans in Missouri

Missouri Loans For Poor Credit: Personal Loan Calculator

HOW IT WORKS

Find the loan you're looking for

Table comparing monthly payments, APRs for approved personal loans.

See your options

Take a few minute to answer few questions, and we'll match you with the right range of lenders to consider

Choose your loan

Find your favorite marketplace of offers and apply directly with the lender you prefer

Do your project

If you're approved, use your funds to cover all your costs now, and pay the lender back month by month

We’ve helped over a million customers, and we’re just getting started

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It was trying to get financed for my windows and siding.

It was trying to get financed for my windows and siding. Easy process, just filled out the application.

Patricia MCDONNER, 3 days ago

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Well done job

We give you 5, because everything went so smoothly

Elizabeth Guerra, 3 days ago

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Acorn - highly recommend

Acorn was a fast and easy process in providing me with loan offers. I was able to secure a loan in no time. I would highly recommend Acorn.

Donna F, 5 days ago

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Acorn Finance is an awesome company

Acorn Finance is an awesome company. From their initial response to final approval of my loan request, the process was smooth and quick. After completing basic information on-line, Acorn followed up the same day! I'm very impressed and pleased with their service.

BILLY HARJO, 6 days ago

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Easy fast efficient!!!!

Isabel Dalgleish, 6 days ago

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Very easy process.

John Levine, 6 days ago

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It was pretty quick and simple

ally, Oct 11

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Application was reviewed and approved…

Application was reviewed and approved the same day and funds were available within a couple of business days.

Harriet Brown, Oct 10

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Loan Process Short and Easy

Loan Application online was quick to complete & response time was fast. The interest rate offered, was lower than using a credit card. Documents were easy to review and sign.

BECKY RUSH, Oct 8

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Representative was very friendly

Representative was very friendly. It was quick and easy. Thank you so much! Respectfully, Mr. & Mrs. James Triplett

James Triplett, Oct 8

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Very easy and fast.

Joshua Blake, Oct 7

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Very easy to apply for loan

Very easy to apply for loan. Quick process and friendly representative.

Tamatha Ridge, Oct 7

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Got offers right away with the least…

Got offers right away with the least amount of costs listed first.

Cheryl Kohr, Oct 3

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the ease of the transaction

Keith Merriweather, Oct 3

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the application process is easy

the application process is easy. Still havent setup my online access

Valerie Simmons, Sep 28

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Good

Everyone with Acorn, and Upgrade was very Professional. You guys made everything so Easy.

sam kenerson, Sep 28

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Easy to obtain.

Katharine Kuharic, Sep 27

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The process was easy to follow and the…

The process was easy to follow and the response was fast! The results varied but that was expected. Having a choice of lenders was great! Sincerely R. True

Randy True, Sep 27

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Good Loan Site

I was presented with several loan options in a very short time with the information I needed.

Jparker_tx, Sep 26

Rated 4.6 / 5 based on 1079 reviews.

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What can I do with a $10,000 personal loan?

A $10,000 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?

Find Bad Credit Loans in Missouri at Acorn Finance

Missouri residents, are you ready to check personal loan offers? Or, are you ready to improve your credit score?

We hope you have the information you need to take the next step in the right direction.

Ready to check personal loan offers? Check Acorn Finance today!

Can you get a bad credit loan in Missouri with no credit check?

For most loans, you'll have to get a credit check so the bank or lender can determine if you qualify. However, some alternatives such as title loans or payday loans may not require a credit check.

Is it possible to get a guaranteed personal loan for bad credit in Missouri?

First let's start by clarifying what a guaranteed personal loan is, as it can be interpreted in many ways. Guaranteed loans are backed by a third-party. Examples of these loans are federal student loans, SBA loans, or mortgages. Third party backers can be individuals or organizations, meaning a co-signer can help you qualify for a guaranteed personal loan. At Acorn Finance you can check personal loan offers with a co-signer, which can constitute a step toward getting a guaranteed personal loan.

Are bad credit installment loans in Missouri worth it?

Usually the determination for if something is worth it or not will depend how bad you want it. If possible, try to boost your credit score before borrowing money. In any case, to determine if an installment loan is worth it, consider what it can do for you, can't do for you, and what it could potentially do to you. Pros and cons, our favorite thing.

Check Offers for Missouri Loans For Poor Credit

One home, endless possibilities