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When in Need

"I would highly recommend if you’re in a bind and need cash fast. I applied online with their easy application and got my money to pay off some bills before it was too late. I was stressing out about how I was going to be able to pay for my electricity, water, and phone bills and helped to ease my financial burdens."
Patty, Texas

Quick and Easy Process

" provided me with a completely hassle free way of getting cash I needed right away. They don’t make you jump through hoops or do a background check to be approved. Just complete the simple application and you’re done. I even got my payday loan the same day! And repaying the money was just as easy as the application. is the best way I’ve found to hold you over until your next pay day."
Jose, Florida

Bad Credit Accepted

"I have to admit, I was a bit skeptical about getting approved for a loan with because of my shaky credit history. However, I still got approved for a loan which really helped me out after I was recently laid off. If you have any doubt at all about getting cash you need from, rest assured that they are there for you no matter how bad your credit is.."
Jamal and Kim, California

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Frequently Asked Questions (FAQ)

Can lenders charge any interest they want?

If you have a bad credit history, you're going to have to pay a higher interest rate than usual. However, lenders have a limit on the amount of interest they can charge. This limit is called the usury rate, and they differ depending on your state laws.

What's the difference between secured and unsecured loans?

The primary difference between secured and unsecured loans is that secured loans are backed by a form of collateral, whereas unsecured loans don't require any type of collateral. Due to the fact that you're providing collateral with a secured loan, your interest rates will be significantly lower than an unsecured loan.

Do banks give personal loans to people with bad credit?

Typically banks will not give personal loans to people with bad credit. With a record amount of people defaulting on their loans, banks are extremely cautious of who they give loans to. Also interest rates have increased significantly on personal loans.

How much can I borrow with a secured loan?

With secured loans, you have the potential to borrow up to 125% of the value of the collateral you provide. The actual amount will differ based on your lender and the terms will be spelled out in your contract.

How do lenders determine interest rates for loans for people with bad credit?

The amount of interest you will have to pay depends on a few different factors. The amount that you're borrowing, whether the loan is secured or unsecured, your income, and other debt, all are taken into account when determining the amount of interest you'll be paying.

I recently filed bankruptcy; Can I still get a loan?

Absolutely! There are plenty of loans for people who have filed bankruptcy. You will have to pay a higher interest rate just like all loans for people with bad credit, but there are many lenders who will work with you. If you have a form of collateral to do a secured loan, it will greatly increase your chances of getting a loan if you've filed bankruptcy.

Are there car loans for people with bad credit?

One common misbelief is that people with bad credit cannot finance a car in their own name. This has led many people to buy cheap cars that require a lot of costly repairs which digs them into an even deeper whole financially. There are car loans for people with bad credit. Some car dealerships even offer in house financing to make things even easier for borrowers. If you go this route, you may end up having to pay a hefty down payment. So consider getting a car loan from a lender that specializes in loans for people with bad credit. The downside to these loans is that you end up paying a lot more than the car is worth due to higher interest rates. But compared to the costs of repairs if you purchase a vehicle in bad condition, the higher interest rates are usually worth it. There are a variety of online lenders available to inquire about a car loan if you have bad credit.

Do lenders check credit for loans for people with bad credit?

Lenders already know that people looking for these loans don't have great credit. Because of this, it usually isn't necessary to run your credit to be approved for a loan. When approving loans for people with low credit scores, lenders focus on your income and ability to repay the loan. If you have steady income coming in and have proof with paystubs, this will usually outweigh your lack of credit. If your income isn't steady, consider a secured loan instead of an unsecured one (provided you have collateral).

Loans for People with Bad Credit

Financial problems are a part of life. Layoffs, medical issues, divorce, and pay cuts can cause your finances to alter tremendously. Unfortunately, these hardships don't stop bills from accumulating. If your credit has suffered as a result of financial issues or any other reason, you aren't alone. Millions of people have had their credit negatively affected at some point and consequently end up with bad credit. However, the fact that you've made some financial mistakes in the past should not ruin your life, or your financial future.

Many people believe that just because they have bad credit they won't be able to get a loan. This is a myth that stops a lot of people from recovering from financial hardships and moving on with their life. Don't believe it when people say that you can't get a loan if you have bad credit. You don't have to have a credit score of 800 to get loans for thing you need. There are plenty of loans for people with bad credit. Secured loans, unsecured loans, installment loans, and money loans are all options available for people with bad credit.

Payday Loans

One of the most common types of loans for people with bad credit is payday loans. Payday loans are a form of installment loan. Installment loans allow borrowers to repay the loan in smaller payments at regular intervals.

Payday loans are short term loans that are made the same day, that are paid back on the borrowers next pay day. Some lenders also give the option of allowing the borrower to have a few months to repay the loan. The terms of the loan will be outlined in the contract. Payday loans require the borrower to provide documentation such as Identification, proof of income (typically your last two paystubs will be sufficient), and your current address. The type of documentation may differ depending on your lender but these are usually the basic requirements. Payday loans are great options for people with bad credit due to the fact that they rely more on your proof of income rather than your credit history. So if you're in the process of rebuilding your credit and have a guaranteed source of income payday loans are good options for quick cash.

Secured Loans for People with Bad Credit

Another option people with bad credit have for getting a loan is a secured loan. Secured loans are loans that are secured with some form of collateral. The borrower must own the property that they are offering for collateral due to the fact that the lender can seize it if the borrower defaults on the loan. Some common forms of collateral include:

  • Real Estate: Real estate is one of the most common types of collateral. Some examples of real estate that's used for collateral are houses, condos, office space, or warehouses. Using real estate as a form of collateral demonstrates to lenders that you intend to pay back the loan, because if you default you risk losing your home.
  • Vehicles: Vehicles are another type of collateral that's often used. Some people think that cars are the only type of vehicles that can be used as collateral. However, other vehicles that are commonly used as collateral are motorcycles, boats, planes, and almost any other type of vehicle that is registered with the department of motor vehicles.
  • Securities: Stocks, bonds, Certificates of deposits (CD's), or other securities can be used as collateral. Generally almost any type of security that can be converted into cash quickly is acceptable as collateral for secured loans. Typically people with bad credit have gotten rid of their securities to help pay bills. Securities can sometimes be tricky to deal with as collateral due the value of them fluctuating based on the market. Most lenders will include some sort of buffer when determining the value of the securities to account for possible changes in the market. Lenders will have the borrower fill out all the paperwork for transfer of the securities prior to funds being dispersed to prevent the borrower from not turning over the collateral if they default on the loan. It essentially assures the lender that the collateral can be collected even if the borrow jumps ship.
  • Valuables: Commodities such as gold and silver can be used as collateral for secured loans because they can be easily converted into cash and the value is easily determined based on market value. Also things like jewelry, antiques, or anything else of significant value may be used as collateral if the lender accepts.

Unsecured Loans for People with Bad Credit

Sometimes you need money right away. You'll be hard pressed to find a bank that will approve personal loans for people with bad credit, but thankfully there are other options. There are lending companies that specialize in providing loans for people with bad credit. The loans generally have higher interest rates than normal due to the risk involved in loaning money to people with bad credit. Unsecured loans in particular have really high interest rates. Because they aren't backed by any collateral and the person borrowing the money already has bad credit, the risks of them defaulting on the loan are significantly higher than someone providing collateral of some kind. Also people seeking unsecured personal loans often are looking to get their money quickly, so that will also increase the interest rate. Its understandable unsecured personal loans have higher interest, especially when the borrower has bad credit.

Keep in mind that there is a difference between high interest rates and usury. Usury rates are the amount of interest a company can legally charge for a loan. Some states don't have usury laws in place, or have stipulations that allow lenders to charge extreme interest rates. If you suspect a lender may be charging extreme interest rates, look elsewhere. Check with your state to find out what their usury rates are. This will prevent you from being taken advantage of by lenders.

Non-Recourse Loans

Nonrecourse loans are a type of secured loan where the only form of security the lender has is the borrower's collateral. If the borrower defaults on the loan, the only recourse for the lender is the collateral. If the value of the collateral doesn't cover any unpaid amount for the loan, the lender must take it as a loss. Nonrecourse loans are almost a mid-point between unsecured and secured loans. They offer a form of security, but there is no guarantee that the loan amount will be fully paid. This is all taken into account when the interest is calculated.

Web Based Lenders

One of the greatest things about personal loans for people with credit today is you can get approved from the comfort of your own home! There are plenty of lenders available online who specialize in personal loans for people with bad credit.

Sometimes it can be intimidating or even a little embarrassing to go to a bank to ask for a personal loan if you have bad credit. Getting a loan online removes those worries by allowing you to seek out loans without the fear of being judged. Another great feature of web based lenders is that approval is usually very fast. A lot of people who are looking for a short term loan need the money quickly so the ability to have the loan approved within 24 hours is a great benefit of online lenders. Also, the funds are transferred directly into your account so you don't have to wait around for a check to come in the mail and then deposit it the bank.

Safety is often a concern when doing any transaction online. The great thing about web based lenders is that the sites are fully encrypted to assure all your personal information is secure. Since you'll be entering in your banking information for most lenders, it's great to know that your information won't be stolen. Getting a loan online if you have bad credit is convenient and very safe. Make sure you're using a reputable lender. There are some scammers out there who are take advantage of these loans for people with bad credit. That's why it's essential to know about loan procedures and to make sure you have records of everything.

The operator of this website is not a bank or lender of any kind. All information you provide us is used in securing you a payday loan from one of the many banks/lenders we represent. The personal, financial and employment information that we collect is stored electronically during the duration of the application. All financial and employment data is immediately removed from our system upon acceptance of your application from the bank/lender that approves your application. Acceptance of your application does not mean approval. We will work diligently to secure you a payday loan. There is no charge to you for this service. You will occasionally receive offers from us or a designee that relates to financial services such as credit card offers, payday loan offers, etc. You have the right to stop these offers by unsubscribing here (Unsubscribe). We want your experience to be positive. It is in that spirit that we offer this information so that you are aware that we are not a bank /lender and your data is secure, because your data is electronically transferred to the lender who has accepted your application for a payday loan. Use of this site constitutes agreement with these policies. Please be advised that the owner of the site may revise these policies or others, so it's always important to read all information thoroughly. The owners of this site and our lenders comply with all state and federal regulations to short-term loans. This offer may not be available in all states.