You can get a debt consolidation loan with a credit score of 450 if you apply with a lender that does not have a credit score requirement. However, these loans typically have high APRs to make up for the lack of a credit score requirement, so you might not save much money.
The best no credit debt consolidation loans are from Upstart because the company has loan amounts of $1,000 - $50,000, APRs that are typically 6.4% - 35.99%, and long repayment periods. Upstart isn’t your only option, though. You can see a comparison of the best no credit debt consolidation loans below.
Best Debt Consolidation Loans for a 450 Credit Score
| Company | Credit Score Requirement | Loan Amounts | APRs |
| None | $1,000 - $50,000 | 6.4% - 35.99%, typically | |
| None | $300 - $18,500 | 10.07% - 35.95% | |
| None | $1,500 - $20,000 | 18% - 35.99% | |
| None | $500 - $5,000 | 60% - 299% | |
| None | $500 - $4,000 | 99% - 349% |
To read more about the top-ranked offers, check out WalletHub’s complete picks for the best no credit loans. You can also estimate your potential rates with our free pre-qualification tool.
Additionally, you may want to consider getting a loan from a friend or family member to repay your debt. Your friends or family may offer better terms than conventional loans.
Upstart disclosure: Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
This answer was first published on 07/13/22 and it was last updated on 02/21/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
