My credit is not that great but my income is (since completing school) so to be approved for a $10,000 personal loan with no so good (fair) credit was ok. The interest is high (35%) but I'm planning to pay off sooner than later. It's a better option than the other company that wanted to charge me 199% interest on just $2000. If you're in need this is an ok option. Just make sure you real ALL the terms, conditions, and fine print to know exactly what you're in for.