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Loan type guide
Review Loans for 300-499 Credit Scores: Compare Real Routes for eligibility, total cost, payment fit, timing and alternatives before continuing.
Check the actual providerConfirm who makes the credit decision.
Normalize the costCompare fees, APR, total due and dates.
Stress-test repaymentProtect essential cash after the payment.
Complete guide
Use the sections below to evaluate fit, not to predict approval.
Experian currently places base FICO scores of 300-579 in its Poor range. One lender may use a bureau score; another may combine bureau, income and bank-transaction data; a credit union may have a different product altogether. EXP_SCORE
Interactive decision tool
Protect essential expenses and a cash buffer before continuing.
Provider terms and current state requirements control any offer.
Decision infographic
A route fails when repayment reopens the same gap.
Inputs, provider disclosure and repayment fit must agree.
Continue the guide
Use the remaining checks before moving to a provider form.
If a provider documents a soft-pull prequalification stage, show that stage separately from any later formal application. CFPB explains that hard inquiries can affect scores while soft inquiries do not. The card must say which actor performs which inquiry and when. CFPB_INQUIRY
Quick comparison
| Decision | Look for | Stop if |
|---|---|---|
| Availability | State eligibility and provider identity | The creditor or license path is unclear |
| Cost | Amount received, required fees, APR and total repayment | Only the payment size is shown |
| Timing | Decision, release and bank-posting stages | “Instant” is presented as guaranteed |
| Repayment | Exact dates, method and late-payment consequences | The payment reopens the same cash gap |
Explore this cluster
6 focused pages, each with a separate canonical job.
Compare Soft-Pull Routes & Total Cost
Open guide →02Compare Routes Without Approval Promises
Open guide →03Open the complete guide
Open guide →04State Rules, Costs & Options
Open guide →05Compare Payments & Total Cost
Open guide →06Find a Lower-Cost Route
Open guide →Ready for the next step?
The application page is separate from the guide and is operated with a third-party form provider.