There are emergencies no one can plan for, and we aren’t limited to helping only consumers with perfect credit. Sometimes a run of bad luck comes up through no fault of your own. However, as long as you’re working, we have the resources to lend you a helping hand no matter if your credit is good or bad. We want to help inform you on making responsible lending decisions and then connect you to available lenders and financial service providers if you feel a bad credit loan would be right for you.
We know that it’s the people who are struggling that really need the personal loans, not those with the spotless credit histories who are paying all their bills on time. A perfect spending history simply isn’t possible for many American households, especially in times like these. No matter how well you’ve planned your budget and spending strategies, they can still be thrown off by one unexpected car repair or other emergency when already living paycheck to paycheck.
An installment loan can get you to your next paycheck when there are no other solutions.
Fast, Convenient Loan Requests
Our online system makes it easier than ever to request a loan. Just fill out our fast and convenient online loan request and you can get a personal loan offer in minutes from our network of lenders and financial service providers. Your approved loan can be deposited electronically into your checking account in as fast as one business day.
There’s no waiting for approvals or checks in the mail. And remember, our network of lenders and financial service providers works with people with good and bad credit.
The approval process for bad credit loans is very straightforward. We require that you’re a legal citizen and an adult (age 18 or older). You’ll need to provide some other basic information for the transaction to take place, such as a valid email address, working phone number, and the bank account where you’d like the money transferred. It’s that easy. You can learn more by viewing the Bad Credit Loans website.
Broadly defined, a personal loan is a type of installment loan, which means that it is repaid over time with a set number of scheduled payments. It is also a form of loan that can be utilized for practically any purpose whatsoever. This can be beneficial in any scenario where additional funds are required.
We do not charge any fee or cost to submit a loan request. The APR on a personal loan from our network of lenders and lending partners varies, with many providers offering rates from 5.99% to 35.99% and loan durations between 90 days and 72 months. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by the lender or lending partner and accept their loan agreement.
Representative Example: If you borrow $4,000 on a 2 year repayment term, the monthly repayment will be $182.74. Total repayment will be $4,385.74.
There are three types of personal loans available through our network: peer-to-peer loans, personal installment loans and bank personal loans. You can learn more about these products by viewing the Personal Loans website.