Is your credit score under 550 or 600? America loan Service has listed personal loan options for bad credit loans with a credit score under 550 and lenders offering loans for a 600 and under credit score. If you have a 550 credit score vs a 600 credit score, this will make a big difference with bad credit lenders. Working towards a 600 credit score will open up a lot more lending options and lower your interest rate costs over the long term. A 550 credit score will provide unsecured loan options of $1,000 where a 600 credit score can open up loans as high as $35,000 all dependant on your credit history and income. The first lender listed below will accept loan applications from any credit score and they will offer loans up to $5,000 with a credit score above 580. We have also listed a few providers that will look at a higher loan amount with a 600 credit score. If you have collections on your credit report, it will place you in the high risk loan category and we would recommend that you try to clean up any outstanding collections before applying for a loan. We have listed other potential lenders if you have a co-signer for a personal loan or student loan. Equity in your home or auto refinancing are another option and will help to qualify for a loan. Small business loan providers accept loans with a 500 credit score as long as you have been in business for one year. Check out the business loan conditions below. We have listed a few credit card products designed for bad credit either secured or unsecured.