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Personal loans: You can apply for a personal loan from a bank, credit union or online lender. With a personal loan, you get a lump sum of money and repay it in monthly installments over a period of two to seven years. Personal loans can be used for nearly any purpose, including consolidating debt or home improvements.
Find ways to make extra money, such as: Freelance work. You can sell your skills on platforms like Upwork or Fiverr. Gig economy. You can drive for rideshare companies, deliver food, or complete online tasks. Sell unused items. Odd jobs.
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Credit unions, online lenders, and brick-and-mortar banks may offer loans to borrowers with poor or bad credit.
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The maximum annual interest rate is 27.5%, including fees. Terms for repayment might be one to seventy-two months.

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