Best Bad Credit Offers & Services

Ashley Fricker

By: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley has managed content initiatives for BadCredit since 2015, having worked closely with the world’s largest banks and financial institutions, as well as press and news outlets, to publish comprehensive content. Her credit card commentary is featured on national media outlets, including CNBC, MarketWatch, Investopedia, Yahoo Finance, and Reader's Digest.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience, having written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times. A former business writer and business desk editor, Lillian ensures all BadCredit.org content equips readers with financial literacy.

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Our experts conduct regular reviews of services and financing offers for people with bad credit, rating each based on factors such as reputation, affordability, and general terms. Our reviews follow strict editorial guidelines. Choose a category below for our latest rankings:

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more info, see our ad disclosure and review policy.

Credit Cards

Credit Cards

The top unsecured, secured, and prepaid cards for bad credit.

1 FIT™ Platinum Mastercard®

★★★★★

4.79 out of 5

2 OpenSky® Secured Visa® Credit Card

★★★★★

4.65 out of 5

See All Credit Cards (10) »
Debt Relief

Debt Relief

Services specializing in relieving and consolidating consumer debt.

National Debt Relief

1 National Debt Relief

★★★★★

4.9 out of 5

CuraDebt

2 CuraDebt

★★★★

4.0 out of 5

See All Debt Relief (3) »
Personal Loans

Personal Loans

Lending services, cash loans, and other reputable financing options.

MoneyMutual

1 MoneyMutual

★★★★★

4.84 out of 5

Avant

2 Avant

★★★★★

4.75 out of 5

See All Personal Loans (9) »
Credit Repair

Credit Repair

Well-known agencies that specialize in fixing and removing bad credit.

Lexington Law

1 Lexington Law

★★★★★

4.9 out of 5

Sky Blue Credit Repair®

2 Sky Blue Credit Repair®

★★★★★

4.7 out of 5

See All Credit Repair (5) »
Auto Loans

Auto Loans

New purchase, refinance, and other car loan options for bad credit .

Auto Credit Express

1 Auto Credit Express

★★★★★

4.9 out of 5

LendingTree

2 LendingTree

★★★★★

4.741 out of 5

See All Auto Loans (6) »
Home Loans

Home Loans

Subprime finance services for mortgages and home refinancing.

Rocket Mortgage

1 Rocket Mortgage

★★★★★

4.8 out of 5

Quicken Loans

2 Quicken Loans

★★★★★

4.7 out of 5

See All Home Loans (9) »
Bank Accounts

Bank Accounts

The best Bank Accounts for those with bad credit.

Current

1 Current

★★★★★

4.9 out of 5

Chime® Checking Account

2 Chime® Checking Account

★★★★★

4.8 out of 5

See All Bank Accounts (5) »

Advertiser Disclosure

BadCredit.org is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free for users, we receive advertising compensation from the financial products listed on this page. Along with key review factors, this compensation may impact how and where products appear on the page (including, for example, the order in which they appear). BadCredit.org does not include listings for all financial products.

Our Editorial Review Policy

Our site is committed to publishing independent, accurate content guided by strict editorial guidelines. Before articles and reviews are published on our site, they undergo a thorough review process performed by a team of independent editors and subject-matter experts to ensure the content’s accuracy, timeliness, and impartiality. Our editorial team is separate and independent of our site’s advertisers, and the opinions they express on our site are their own. To read more about our team members and their editorial backgrounds, please visit our site’s About page.

Information Warranty & Disclosure: Great efforts are made to maintain reliable data on all offers presented. However, users should check each provider’s official website for updated terms, details and conditions for each offer before applying or signing up. Our site maintains strict terms of service and may accept compensation for paid ads or sponsored placements in accordance with these terms. Users must be at least 18 years of age to be eligible for financial offers as per the terms presented on provider websites.

* FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.