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No matter your situation, we can arrange a personal loan for low income earners of all types, including working students and working parents. If you need. Personal loans for low income individuals with good & bad credit. Compare monthly payment options from several lenders in under 2 minutes. All credit products are subject to credit approval. Income verification, such as pay stubs, tax returns, or personal financial statements, may be needed based. Time Is Money With Personal Loans Online. Magical Credit does personal loans online. It only takes five minutes to apply, and you'll have your money within one. Whether you have good credit, bad credit or something in between, FCU has personal loans designed for you¹. No collateral is required, applying is easy.