Bad Credit Loans In Ohio - No Hard Credit Check OK

Name: Acorn Finance Offers
Brand: Acorn Finance
Rating: 4.6 (1134 reviews)

Get personalized rates in 60 seconds for bad credit loans in Ohio, without affecting your credit score.

Our customers say Excellent

4.6 out of 5 based on 1134 reviews

Our customers say Excellent

4.6 out of 5 based on 1134 reviews

Online Installment Loans For Bad Credit In Ohio - Same Day

Bad credit can be a big downer when it comes to obtaining a personal loan. If you’re struggling to get a personal loan because of bad credit in Ohio, let us help you understand why and how to improve your situation. Between navigating all of the financial institutions and finding a reputable lender, it can feel like a maze to get a bad credit loan in Ohio.

That’s where Acorn Financial is here to help. You can check rates in seconds from our network of national lenders, with no credit impact. With access to loan offers, you can make better financial decisions.

Before you get excited and check offers, here’s what you should know about bad credit installment loans in Ohio.

Example personal loans in Ohio

10.49%³

APR

36 mos.

Loan term

$12,000

Loan amount

³Last updated on 03/21/2025. More than 10% of loans taken in the state of Ohio have a lower APR than what is advertised here. You may have different rates and terms than what is being advertised.

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Helping Ohio Residents Find Bad Credit Personal Loans

What are bad credit loans in Ohio?

The umbrella of bad credit loans contains the same options as the umbrella of loans for borrowers with healthy credit. When you apply or inquire for a loan, lenders can evaluate you based on credit score, income, and other factors. When doing so they are looking to see if you meet their requirements. Requirements are in place to manage the risk of the lender. Here are some examples of different types of loans in Ohio:

Bad Credit Loans in Ohio: Frequently Asked Questions

How do bad credit installment loans in Ohio work?

Bad credit installment loans have a similar format to other personal loans where borrowers are offered a sum of money from the lender, with the agreement to pay back the loan in consistent installments, usually on a monthly basis.

The two common types of bad credit installment loans are secured and unsecured.

Secured loans: Secured loans are backed by collateral. In the event a borrower defaults, the lender can take ownership of the collateral. This type of loan can alleviate some of the concern or risk a lender may have in lending to someone with less than perfect credit.
Unsecured loans: This is an option that does not have collateral involved in the agreement. This type is commonly based on credit score, income, and other various lending factors that can be taken into consideration. The factors considered contribute toward the creditworthiness of a borrower. Consider applying with a co-signer or co-applicant with good credit if possible.

While bad credit loans are not usually thought of as low APR personal loans, there are steps borrowers can take to qualify for more competitive installment loan offers. Hint: boost your credit score.

What credit score is needed for a bad credit loan near me?

Credit score is among one of the requirements most lenders have. Before we dive into credit score, let's take a step back and understand what makes up a FICO credit score.

10% New Credit
10% Credit Mix
15% Length of Credit History
30% Amounts Owed
35% Payment History

Now that you are aware of the things contributing to a credit score, can you think of a few ways you can improve your score? You probably can. Before getting a personal loan you can check your credit score to determine if you can boost your score. Offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn platform have a credit score cutoff of 600 or above.

How do you find an online bad credit loan near me?

Sick of searching through lenders' websites for the right loan option? At Acorn Finance, we believe finding and comparing loan options shouldn't be difficult. Take advantage of our platform to check offers up to $100,000, depending on credit score. When you check offers on our platform, your credit score will not be impacted. You can see if and what you qualify for. From there you can decide if it's the right time to get a loan or if boosting your credit score might be a better decision.

Can I get a personal loan in Ohio with bad credit?

Approval isn’t guaranteed, but Acorn Finance lets Ohio residents with bad credit compare loan offers risk-free. Applying with a cosigner may help boost your odds.

How to choose the best Ohio personal loan for bad credit for you:

It might seem basic, but really, the best personal loan for you is the one you can afford and will benefit you the most. There are some pretty major consequences for borrowers who are unable to repay their loans — including a decrease in credit score. Educate yourself and borrow responsibly.

Other States with Bad Credit Loans

See more Ohio loan options:

Find Banks Near Columbus, Ohio

Check Offers for Bad Credit Loans in Ohio

Online Installment Loans For Bad Credit In Ohio: Personal Loan Calculator

HOW IT WORKS

Find the loan you're looking for

Table comparing monthly payments, APRs for approved personal loans.

See your options

Take a few minute to answer few questions, and we'll match you with the right range of lenders to consider

Choose your loan

Find your favorite marketplace of offers and apply directly with the lender you prefer

Do your project

If you're approved, use your funds to cover all your costs now, and pay the lender back month by month

We’ve helped over a million customers, and we’re just getting started

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2nd bathroom and new siding underway

Easy online application and quick response time. Options for loan terms and money transfers in a timely manner. All things that helped us get our 2nd bathroom added and new siding for our home

Frederick WORKMAN, 2 days ago

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Quick and easy.

John Sacoolidge, Jan 3

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No hassle Lender selection

No hassle at all it was easy to find and choose who you want for a lender based on available offers that were presented.

Jammie Petroski, Jan 3

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The process was positive and easy

The process was positive and easy. I will use again when needed.

Jeffery Patrick, Jan 1

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Working with Acorn was FAST!

Working with Acorn was a fast and easy online experience that resulted in a short term, lower interest rate option. The funds showed up on the date selected in my contract and the entire process went smoothly as they kept me up to date via email. I will certainly use Acorn again in the future for all of my home improvement projects, thanks! Billy Powell

Billy Powell, Dec 30

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Excellent & Easy

You gave me several loan options. I found a company I trusted. I applied for the loan. I received the loan. I received the money when I was told I would receive the money. Everything went smoothly. Thank you.

Edward A, Dec 29

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It was fast and easy

It was fast and easy. There was a lot of lender options. I had a question called you guys and he was very helpful. I would recommend you guys to everyone!

andrew, Dec 28

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My review

The experience was quite good.

Milton Sargent, Dec 27

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Incredible easy to work with

Margaret Lewis, Dec 27

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It was quick and easy just has you…

It was quick and easy just has you said. Thank you I appreciate it.

Alberta Battles, Dec 27

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Peace of mind when moving

Easy to understand and simple.

Mario, Dec 20

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The process was easy to do

The process was easy to do. You get results fast... They work with you.

Valued Customer, Dec 19

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The loan was successful

June Williams, Dec 16

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Excellent deliverance of funds

Excellent deliverance of funds, timely manner. Highly recommend.

Elizabeth Callava, Dec 14

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Quick and easy process

Bro Hugh, Dec 12

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Fast and easy everything went perfect

Fast and easy everything settled. We were so worried. It was very nice to have another outlet to go to for our major purchase on our septic tank. Thank you so much. We are very happy.

Dawn White, Dec 10

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the application process

The rear of the application process

Polly Davis, Dec 5

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Wonderful experience

Sunipa Majumdar, Dec 3

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The loan process was fast and easy.

Michelle Warner, Dec 1

Rated 4.6 / 5 based on 1134 reviews.

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What can I do with a $10,000 personal loan?

A $10,000 personal loan has a number of uses, including (but not limited to):

Home improvement Buying a car Wedding costs

Debt consolidation Medical bills Startup business costs

FREQUENTLY ASKED QUESTIONS

Still have questions?

Find Bad Credit Loans in Ohio at Acorn Finance

Understanding what your personal loan options are can help you navigate the world of bad credit loans in Ohio.

If you're looking for a trusted and reliable partner, let Acorn Finance help. Check personalized loan offers using our platform. In seconds you can check your rates with no credit impact. No need to risk your credit score just to find out if you can qualify for a loan.

Can you get a bad credit loan in Ohio with no hard credit check?

While most lenders will require a credit check, there are a few options out lending institutions that can use other data like income, housing history and other financial information to approve you for a loan. While lending options like payday loans can promise no hard credit check, they can also, on average, charge interest rates so high it will be hard to believe it's legal. We're talking 400%. To check legitimate offers with no credit impact visit Acorn Finance. Some lenders on the Acorn Finance platform may conduct a hard credit check, while others may not. Please review each lender’s terms and conditions carefully when selecting a loan.

Is it possible to get a guaranteed personal loan for bad credit in Ohio?

Guaranteed personal loans are backed by a third-party. Examples of these loans are federal student loans, SBA loans, or mortgages. Third party backers can be individuals or organizations, meaning a co-signer can help you qualify for a guaranteed personal loan. At Acorn Finance you can check personal loan offers with a co-signer, which can constitute a step toward getting a guaranteed personal loan.

Are bad credit installment loans in Ohio worth it?

Bad credit installment loans should be rather straightforward, which can calm your nerves some. While there can be pros to bad credit installment loans in Ohio, consider the cons too. Whether it's worth it not will depend on your circumstances and what you feel is best.

Check Offers for Online Installment Loans For Bad Credit In Ohio

One home, endless possibilities