If you have a FICO score of 620 or less, you might find it hard to qualify for many conventional personal loans. For sudden expenses, you’ll have to rely on loans that don’t require credit checks.

Consumer debt continues to rise in 2025, providing no relief for cash-strapped Americans. Total nonhousing household debt exceeded $3.75 trillion in the second quarter of 2025, according to recent ...

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When considering whether to approve a business loan, lenders usually look at both personal and business credit scores. If you have bad credit— or just don't want a hard credit inquiry that could lower ...