OneMain Financial generally accepts applicants with at least a poor or fair credit score (the exact credit score minimum is not disclosed but for reference, a poor credit score is between 300 and 579 and a fair credit score is between 580 and 669). That's because the lender lets you apply for a personal loan that can be used for business purposes, something most personal loan lenders prohibit. Standout benefits: Universal Credit offers credit monitoring tools to help you monitor any changes to your credit score. More on our picks for best personal loan lenders that accept 580 credit scores or lowerUpstart Personal LoansUpstart is an AI-driven online lending platform that connects borrowers with lenders. Most personal loan lenders consider good to excellent credit scores, which means a FICO score of at least 670.

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