Personal loans for bad credit in Martinsburg, West Virginia

Compare personalized offers from 20+ lenders in West Virginia. Pre-qualify in 60 seconds with no impact on your credit score.

4.7 on Trustpilot (1,322 reviews)

LOAN AMOUNT

$1,500–$36,800

MIN. CREDIT SCORE

580

Bad credit loans in Martinsburg, West Virginia

5 funded

Acorn Finance has helped 5 Martinsburg borrowers get funded, including borrowers with FICO scores below 580.

$12,123 average loan

Martinsburg borrowers most often use loans for home repairs.

12.64% average APR

This average reflects Martinsburg borrowers who received and accepted an offer from a lender.

Data as of 2026-07-23 16:53:26

Frequently asked questions

Still have questions?

Compare and shop loans for very bad credit at Acorn Finance

Loans for bad credit can be hard to qualify for — and costly too. We applaud you for setting out to do some research before jumping into the process. Improving your credit score should be a serious consideration, although we understand time does not always permit. Additionally, borrowing money is an avenue that can actually help boost your credit score. Should you choose to proceed with a loan, ensure you live up to your end of the deal.

What’s the easiest way to get a loan with bad credit?

Lorem ipsum.

Is it possible to get a loan with extremely bad credit?

Lorem ipsum.

Are personal loans worth it when your credit is really bad?

Lorem ipsum.

Is guaranteed approval possible for loans with bad credit?

Lorem ipsum.

Can I get an unsecured loan with bad credit?

Lorem ipsum.

How do you find the best loans for bad credit?

Lorem ipsum.

How do I find a short term loan for bad credit?

Lorem ipsum.

How can I borrow money immediately for bad credit?

Lorem ipsum.

Best lenders for bad credit in Martinsburg, West Virginia

Best Overall

5.0

Loan Amount

$1000–$75000

Est. APR

7.74%–35.99%

Loan Term

3–7 years

Min. Credit Score

560

See offers

No credit score impact

Pros and Cons open/close

Accepts credit scores as low as 560
Wide range of repayment terms, up to 84 months
Joint applications allowed
Funds typically deposited within one business day

Origination fees apply
APR could be high for borrowers with lower credit scores

Rate and lender disclosure open/close

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

Must specify a valid lender id, no info found for 'lendingclub'

Best for home improvement loans

4.5

Loan Amount

$5000–$100000

Est. APR

7.24%–24.89%

Loan Term

3–20 years

Min. Credit Score

660

See offers

No credit score impact

Pros and Cons open/close

Among the lowest APRs in the industry with no origination, late, or prepayment fees
Loan amounts up to $100,000
Repayment terms up to 20 years for home improvement
Fast funding could be available

Requires good to excellent credit
Minimum loan amount of $5,000

Rate and lender disclosure open/close

*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Rate is quoted with AutoPay discount. AutoPay discount is only available when selected prior to loan funding. Rates without AutoPay are 0.50% points higher. To obtain a loan, you must complete an application on LightStream.com which may affect your credit score. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $25,000 loan at 10.19% APR with a term of 12 years would result in 144 monthly payments of $301.52.

Truist Bank is an Equal Housing Lender. ©️ 2025 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

What home projects cost in West Virginia

General Contractor

$21,333

Plumbing

$10,600

Roofing & Siding

$9,847

It was a dark and stormy night...

Detective Kodiak plucked a single hair from the bearskin rug and at once understood the grisly nature of the crime: it had been a ferocious act, a real honey, the sort of thing that could polarize a community, so he padded quietly out the back to avoid a cub reporter waiting in the den.

As the hippo's jaws clamped on Henry's body he noted the four huge teeth badly in need of a clean, preferably with one of those electric sonic toothbrushes, and he reflected that his name would be immortalized by his unusual death, since hippo killings are not a daily occurrence, at least not in the high street of Chipping Sodbury.

As his small boat scudded before a brisk breeze under a sapphire sky dappled with cerulean clouds with indigo bases, through cobalt seas that deepened to navy nearer the boat and faded to azure at the horizon, Ian was at a loss as to why he felt blue.

Calculate your monthly payment

See how different loan amounts, rates, and terms affect your monthly payment.

HOW IT WORKS

Find the personal loan you're looking for

See your options

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

Choose your loan

Find your favorite loan in a marketplace of offers and apply directly with the lender you prefer.

Start your project

If you’re approved, use your funds to cover all your costs now and pay the lender back monthly.

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

verified

It was quick

It was quick, easy. We had to change our loan date and it was so easy to do on line. Thank you so much

Patty Jackson, 1 days ago

verified

What a great experience through Acorn…

What a great experience through Acorn Finance! We discovered a major home repair that needed rapid attention and Acorn Finance made it possible for us to get it taken care of quickly! Thank you for the great service!

Pauline, Aug 19

verified

The experience was good and…

The experience was good and professional in a timely manner

Benjamin, Aug 18

verified

Easy and thorough

Easy and thorough. I appreciate the confirming telephone calls.

John H, Aug 18

verified

As easy as can be

Jason Velo, Aug 15

verified

Ease of use!

Timothy Ritter, Aug 15

verified

Quick & easy to apply!!

Christy Hall, Aug 15

verified

Thank you

The person I worked with, was very fast and focused on meeting my request for funds.

Shawn S, Aug 15

verified

Awesome fast

Fred Thomas, Aug 14

verified

Fast and great service

Maria Blanco, Aug 13

verified

Quick & easy.

B as ébarba DeRosa, Aug 12

verified

Reasonable rate for home driveway…

Reasonable rate for home driveway construction loan approved almost immediately and processed in only a few hours with loan disbursed next business day!

RA, Aug 11

verified

Very easy to get the loan and customer…

Very easy to get the loan and customer service was great!

Forrest Ballou, Aug 10

verified

The prompt &swift processing

The prompt &swift processing, It was my first time applying for financing with Acorn, got approved in minutes. This timely support has really lifted the burden i had . Thank you so much.

Carol., Aug 8

verified

Great option to assist with moving costs

It was easy to apply and select terms that fit my budget

Lashaunn, Aug 8

verified

Poor communication and slow loan processing

The communication was not clear: until y the end we weren’t sure if our application was considered or not. It was really confusing. Moreover, even if you must scrutinize the client’s background, your process seems slower than other loaners we met. Some Institutions process a loan within one hour! So, we were surprised to spend more than a week processing a 18k loan. At the end, we appreciated your professionalism at the closing. Philomene

Jean de Dieu Twizere, Aug 7

verified

The process was seamless and cash was…

The process was seamless and cash was in my bank account next day

Jennifer , Aug 7

verified

Smooth

Smooth, simple, fast and easy to complete.

J Bedient, Aug 6

verified

You fast service in the approval of my…

You fast service in the approval of my loan. Incredible. I can now reroof my home!