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Poor ( - ). The term “bad credit” usually refers to a FICO score of - A low FICO score is a common reason why traditional lenders. OneMain Financial Personal Loans. OneMain Financial has multiple options for bad-credit personal loans. There is no minimum credit score requirement, meaning. A bad-credit online loan is a type of personal loan available to borrowers with poor credit scores. Unlike traditional loans that you might find at your bank or. A bad-credit online loan is a type of personal loan available to borrowers with poor credit scores. Unlike traditional loans that you might find at your bank or. Yes, bad credit or no credit is OK. Your credit history is not an important part of our customer evaluation. We may check credit for higher personal loan.