Bad Credit Personal Loan for a 500 Credit Score

Unexpected expenses don’t wait for your credit score to improve. At BuddyLoans, we understand that you can’t put life on hold until you have perfect credit. Whether it’s a car repair, a medical bill, or just a tough month, we're committed to providing access, transparency, and support.

It only takes a few minutes to complete a quick request and get connected with lenders that may offer loans, even with a credit score as low as 500. We promise no pressure, no hidden fees, and no unexpected requirements — just a straightforward way to see what you might qualify for.

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What Is a 500 Credit Score Loan?

This may be a loan option available through lenders who consider borrowers with credit scores in the 500 range. Loan amounts, terms, rates, and fees vary by the lender, based on your financial profile. If approved, you can use the funds for emergency expenses, debt consolidation, or other pressing needs, giving you the flexibility to address your unique financial situation.

How to Get Started on Your Request for a 500 Credit Score Personal Loan

Fill Out Our Form

Complete our simple online form to start your request. It usually takes just a few minutes to enter your details and financial information.

See Your Results

After submitting your request, you may view preliminary on-screen results. If you connect with a lender, you can review their terms before proceeding.

Work with Your Lender

If approved, work with a lender to finalize your agreement. You'll have the opportunity to review their terms before accepting. Once you accept their offer, your funds may arrive in a few business days.

Our Benefits

Broad Network of Lenders

We partner with lenders who may consider various factors, including your income, employment, and overall financial stability, providing more potential pathways to funding.

Simple Online Request

Fill out a streamlined request form from any device. No paperwork, no in-person appointments.

No Service Fees

We don’t charge a fee for submitting a request through our platform, and you’re under no obligation to accept an offer.

Advanced Security Measures

Your sensitive information is encrypted and protected with industry-standard security measures, ensuring your peace of mind and the safety of your data.

Request a Personal Loan with a 500 Credit Score

Submit a quick and secure request to see if you qualify for a personal loan, even with a 500 credit score, with no upfront fees or obligations.

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Other Ways to Use Your Short-Term Loan

Our form can be used to request an emergency loan with a credit score of 500, but our options can also support various other situations. Here are a few other ways you can put a short-term loan to use:

Bad Credit Loans

Credit not great? You’ve still got options. Bad credit loans are designed to help when your credit score is on the lower side.

Installment Loans

If you’re short on cash and facing an unforeseen cost, you might consider an installment loan with fixed monthly payments.

Vacation Loans

Need a break? A vacation loan can help you finance your trip without draining your savings.

Wedding Loans

Weddings are expensive. A wedding loan can help you focus on the day, not the price tag.

Medical Loans

Surprise medical bill? A medical loan can help you manage the immediate cost and pay it off over time.

Emergency Loans

Things happen. When urgent bills arise, emergency loans are there to help bridge your cash flow gap — no judgment, just support.

Personal Loans

From home repairs to consolidating debt, personal loans offer flexible financing options.

FAQ about 500 Credit Score Loans

Can I Borrow Money with a 500 Credit Score?

At BuddyLoans, consumers with all credit types are welcome to submit a request. While a 500 credit score is generally considered poor, some lenders evaluate multiple factors, such as current income and employment history, to determine creditworthiness. However, approval is based on lender criteria and is not guaranteed.

Is 500 Considered a Poor Credit Score?

A credit score of 500 is typically classified as poor. However, some lenders take a more comprehensive approach, considering additional factors — such as income, employment history, or debt-to-income ratio — when evaluating loan applications.

What Loan Can I Get with a 500 Credit Score?

With a 500 credit score, your loan options might be more limited. You might be offered higher interest rates, shorter repayment terms, and possibly extra fees. Read the fine print to make sure you understand the overall total cost.