Struggling with bad credit loans

Honestly, I’m not even sure what my credit score is because every place I check gives me a different number. The lowest I’ve seen is around 530, and the highest is about 601. I currently have several credit cards open and maxed out: Pottery Barn ($500), Premier ($400), Quicksilver ($200), Savor One ($300), and an Amazon secured card ($200). I was hoping to find a loan to help me pay these off along with a student loan of $1,900, but I haven’t had any luck. I’ve tried speedy cash, Upfront, Upgrade, LendingTree, Opportunity One, Main, Wescom you name it. It feels like no one will give me a chance with my bad credit.

Posted Jul 8, 2026, 12:10 PM UTC

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