Upstart: Bankrate 2024 awards winner for best bad credit loans
Upstart: Bankrate 2024 awards winner for best bad credit loans
Overview: Upstart is Bankrate's pick for overall best bad credit loan for a number of reasons. From its tight funding timeline to its exceptionally low APR minimum, the lender stands out across the board. The biggest reason it tops the best list is that Upstart factors in much more than just credit score when making approval decisions, including job history and educational background, which makes it possible for people with bad or no credit history to get approved.