Bad Credit

The approval of an online loan with bad credit by a bank can be a particularly frustrating process, and for many people, this chore is not worth it, especially if they need money that day.

But what do you do when you need a certain amount of money for a trip, a repair, or an urgent purchase but have poor credit?

SGV Postal Credit Union helps you get bad credit loans with reasonable interest rates. This financial instrument is extremely convenient, fast and does not involve too many past payments.

Before getting such a loan, please read the figures below and understand the hierarchy of US credit scores.

Experian classifies FICO credit scores as follows:



  • lower than 580 as very poor
  • 580–669 as fair
  • 670–739 as good
  • 740–799 as very good
  • 800–850 as exceptional.


Equifax considers FICO scores as follows:

  • lower than 580 as poor
  • 580-669 as fair
  • 670-739 as good
  • 740-799 as very good
  • and 800-850 as excellent.



Individuals with FICO scores less than 670 are seen as subprime borrowers.

If you want to find out more about credit scores, or need a bad credit loan, drop us a line or fill in the application form on our website and submit it. We will contact you as soon as possible.