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  • Step 1

    Apply online.

    You don't need to leave your home to get a payday loan. Skip driving to a payday loan store and waiting in a long time.

  • Step 2

    Searching for lenders made easy.

    Instead of you talking to multiple payday loan lenders by filling out several online forms, we
    help you do the searching with one simple form.

  • Step 3

    Once you are matched with a lender,

    You will be redirected to lender's website where loan terms will be presented.

Bad Credit Loans Online

If you are looking for a loan, but you have bad credit, we may be just what you are looking for. We designed our site for people with bad credit. Here, you can quickly apply for a bad credit loan with ease. Our quick application process will approve you for a loan within minutes. After being approved, your cash will be transferred to your account within one business day. Our goal is to find you a reliable lender who will give you a competitive rate.

Lenders are giving loans for people with bad credit now more than ever!


Within the last few years, the amount of loans given to people with poor credit has greatly increased. This is excellent news for you because many banks stopped giving loans as often when the economy took a dive in 2008. Make sure that you can afford a short term loan before signing your loan documents. Bad credit loans usually have high interest rates and quick turn over periods so it is important to pay them back quickly.

Loans for people with bad credit: How does it work?


Bad credit loans are often also described as payday loans. These are short term credit options that have short pay back periods. The payback period can range anywhere from two weeks to a few months with multiple installments. According to the FTC, the average interest rate on a loan of this type is an APR of 396% or 15.2% over a two week period.

Qualifying for a loan even if you have poor credit


Luckily for you, even if you have a less than perfect credit record, your chances of getting approved for a loan is quite high. The credit checks used for a loan are quick and automated so you only have to wait a few short minutes to be approved. If you are approved, you will get money deposited straight into your account as fast as one business day.

Some of the basic pre-requisites to be approved include – being over the age of 18 and being employed. It is also important that you are a citizen of the US and that you have a valid checking or savings account. If you have the choice between a savings and a checking account, go with your checking account because more lenders accept checking account loans relative to savings account loans. Also, make sure that you check your state by state regulations because payday loan laws vary depending on where you live.

Read the terms of your bad credit loan carefully


You should only borrow if you need the money and are sure that you can afford to pay back the loan on time. A loan given for bad credit, will ultimately rebuild your credit score if you pay back the loan on time. If you make all of your payments on time, most lenders will report this to credit bureaus, resulting in an improvement to your credit.

Make sure that you read through your loan terms carefully before accepting your loan agreement. You should be sure to watch out for hidden fees. Typically customers prefer to use us over any other loan processer because we help you find lenders with good reputations that lend at great rates. Apply now to see if you qualify for a bad credit loan today!