Bad Credit Loans In Virginia (VA) - 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 Virginia, 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 Loans In Virginia For Bad Credit Near Me - Same Day

Bad credit loans in Virginia cater to borrowers with less-than-perfect credit scores or histories. The overarching description of bad credit loans in Virginia is simple; they are the same as any other loan, but are extended to borrowers with bad credit. As with most businesses, lenders usually have a niche, and for some that niche is bad credit loans. Finding a lender whose minimum requirements are set up for less than perfect credit borrowers to meet can help you find a loan. Some bad credit loans may require collateral or a cosigner. If you wish to obtain a loan without collateral, you may want to consider a personal loan for bad credit in Virginia.

Example personal loans in Virgina

10.49%³

APR

60 mos.

Loan term

$5,230

Loan amount

³Last updated on 04/02/2025. More than 10% of loans taken in the state of Virgina 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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About LightStream

How do bad credit installment loans in Virginia work?

In Virginia, bad credit installment loans are a type of loan. Installments loans are funded as a lump sum and repaid in equal monthly installments with interest over a predetermined period. Favored for their straight forward structure, installment loans are a top choice for borrowers. In Virginia, your selection of lenders or banks may vary as can regulations on interest rate caps, but an installment loan should work the same. Examples of installment loans can include auto loans or personal loans.

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

Although there are lenders that collaborate with borrowers that have poor credit in your local area, it is more probable that offers will be returned for those with fair credit or above. Acorn Finance offers the convenience of quickly getting prequalified for loans from the comfort of your couch.

While the majority of our financial partners work with credit scores of 600 and above, it's notable that your credit score is not the only factor that may be considered. There are other qualifying requirements that lenders can look at, and understanding these criteria can lend insight into potential obstacles that could prevent you from obtaining a loan. Other factors can include debt-to-income ratio, stability, age of credit history and more. To better understand if you are well positioned, bad credit or not, you can check your credit score or utilize a credit monitoring service. If there are ways to boost your credit score before taking out a loan, you should do so as this can help you qualify.

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

While it may be easy to hop online and search "online bad credit loans near me" or "home improvement loans for bad credit," the hard part will be actually obtaining one of those loans. If your credit isn't perfect and you have no cosigner or collateral, your search may not yield any promising results. In addition to your creditworthiness, lenders may also consider your income and debt-to-income ratios when determining qualifications. Online lenders usually have less strict lending requirements than traditional banks, so the internet may be a good direction to turn your efforts. Visit Acorn Finance today to check your rates with no impact on your credit score.

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

As you do that online research, you'll see that loan offers can vary significantly. Let's start with 3 easy steps that can fast track the path to the right personal loan for bad credit for you:

Check your credit score
Identify ways to improve your credit score
When ready, check offers at Acorn Finance (checking offers does not impact credit score)

Beyond this, determine why you need the loan. Oftentimes, personal loans are used for home improvements. A use such as this can increase home values while delivering other benefits too such as a safe or more functional place to live. Therefore, home improvement loans for bad credit may be worth more of a stretch than one used for a vacation or similar.

Other States with Bad Credit Loans

What lenders offer personal loans for bad credit in Virginia?

Some lenders specialize in bad credit loans in Virginia. Similar to dating, when it comes to loans, you'll need to find a compatible match. From their requirements to their offers, some lenders will work harder for your business, despite your credit score. While there are fewer options for subprime or bad credit lenders in Virginia, you'll want to prioritize working with reputable lenders.

At Acorn Finance, most of the lenders on our platform have a credit score cutoff of 600 or above. Our network of financial partners includes the following and more:

Lending Point
Prosper
Upgrade
Reprise Financial
SoFi

Can I get a no hard credit check loan in Virginia? Yes, Acorn Finance offers personal loans with no hard credit check. 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.

Other Virginia Loan Options:

Find Banks Near Virginia Beach, Virginia

Check Offers for Bad Credit Loans in Virginia

Online Loans In Virginia For Bad Credit: 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, Jan 10

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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.

Trustpilot

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 Virginia at Acorn Finance

Comparing offers is one of the best ways to determine if a loan is right for you. If you struggle to find a way to qualify at this time or struggle to find an offer that works, you may need to visit the option of boosting your credit score. At Acorn Finance, we offer a platform that makes checking offers accessible and it does not impact your credit score. Curious what you might qualify for? Check your rates at Acorn Finance today!

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

While you can get a bad credit loan in Virginia with no hard credit check, you may have to resort to vehicle title loans, pawn shop loans, or payday/cash advance loans. Alternatively, you can check offers at Acorn Finance from our network of top national lenders. Checking offers through our platform does not impact credit score. Loans that are not reported to your credit can not help to build your credit, Therefore, if you need a loan again down the road you may be in the very same desperate state, or worse.

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

If you're looking for a guaranteed personal loan for bad credit in Virginia, be prepared to offer collateral or enlist the help of a co-signer/co-borrower. Guaranteed loans are backed by a third-party, such as a cosigner. At Acorn Finance, you can check loan offers with a cosigner to see if this improves your chance of qualifying and or help you return better offers.

Is guaranteed approval possible for bad credit loans in Virginia?

Guaranteed approval for bad credit loans in Virginia isn’t available, but Acorn Finance can help you compare offers from lenders that work with low credit scores. Consider a cosigner to increase your chances.