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No You Shouldnt Just Let Debt Go to Collections. How to Quit Living Paycheck to Paycheck. Your state: Show all states. District of Columbia. We only list the best loan companies for bad credit that are available in each state. This means we have verified which loan providers lend in each individual state, and have personally vetted them so that you only see services that are active and accepting new customers. So, if you havent already done so, select which state youre in or plan to be to see the best loan companies near you. Credit Score Loan Recommendations. 580 and above: Try a personal loan because you can get a larger amount and yet still have a low monthly payment. 480-580: Attempt a pre-approval for personal loan first so you can get a soft credit check which wont lower your credit score. If you get denied, a payday loan or small installment loan is your next option. 480 and lower: Lender requirements will vary, so still attempt a pre-approval with a personal loan, but for credit scores 480 and lower, payday loans are usually the best bet for success.
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