Typically, it’s easier to get a personal loan from an online lender than an in-person one, regardless of your credit score, for a couple of reasons. First, online lenders tend to offer quicker turnaround times than in-person lenders, with some offering same-day approval and funding.  Online lenders are usually more flexible with their credit requirements than brick-and-mortar banks and credit unions, which can definitely work to your advantage if you don’t have good or excellent credit, as you could still secure a good rate — even if it isn’t the lowest one advertised.  Lastly, many online lenders offer additional perks, such as rate discounts for signing up for automatic payments and flexible due dates, which traditional lenders tend to shy away from.