Bad credit considered · $500–$5,000
One free request reaches lenders that review fair, poor and thin credit files. See real terms before you sign, with no obligation to accept.
4.4· Trusted by 11,000 borrowers“I expected to be turned down. Two lenders came back the same afternoon with real offers I could compare—not teaser rates.”
— Marcus T., Albuquerque, NM · Read borrower experiences
Loan request
Takes about five minutes · No fee · No obligation to accept any offer
Who we are
We are a free connection service for Credit Bad Loans: you tell us what you need once, and lenders that work with scores from the 500s to the mid-600s can review it. We never lend money ourselves and never charge you for the request. About our service
Our approach
Every number on this site is an estimate, clearly labeled, and every lender offer shows its own APR, fees and total cost before you agree. We earn a fee from lenders, not from you, and we say so plainly on every page. How we make money
Answer once instead of applying lender by lender.
Lenders who review fair and poor credit see it.
The request is free; lenders pay for the connection.
Encrypted in transit and shared only with matches.
We built this service for people whose credit history says less about them than their paycheck does, and we hold ourselves to three rules.
Credit Bad Loans
Loan requests for real credit histories
Loan types
Lenders in our network fund five common needs for borrowers with bad credit, and each loan type below has its own guide with typical amounts, terms and documents.
How it works
A Credit Bad Loans request is one secure form that goes to lenders who consider scores below 630, so you can compare real personal loan terms without filling out a dozen applications.
Request any amount in that range; most people with bad credit ask for $1,000 to $3,000.
Repayment periods are set by the lender, often 12 to 36 months for this amount.
Some lenders reply within minutes; funding speed depends on the lender and your bank.
Our service costs you nothing. Lenders pay us when we connect a request to them.
You can read every offer and walk away from all of them without a penalty.
Your form travels over an encrypted connection and goes only to matching lenders.
Four steps
Applying through our form takes four steps: send one request, get matched, review the lender offer, then receive funds from the lender if you accept.
Tell us the amount, the reason and a few income details. It takes about five minutes.
About 5 minLenders that serve your state and credit range review the request and may run a soft or hard check.
Minutes, est.Read the APR, fees, payment and total cost on the lender's own page before you agree to anything.
Your paceIf you accept, the lender sends the money to your bank account, often within one to two business days.
1–2 days, est.Eligibility
Lenders that offer Credit Bad Loans care more about steady income and a working bank account than about a perfect score, so most adults with a paycheck can at least be reviewed.
Lenders in our network typically look for:
0 of 6 checked
Payment estimator
Move the slider to see what a personal loan from $500 to $5,000 might cost each month; the result uses a representative APR, and every lender quotes its own rate.
Total repaid $2,507.94
Pick your amount
Choose an amount to see an estimated payment at a representative 29.99% APR; each amount also has its own page with use cases, documents and term options.
Example estimate
Spread over 12 months at a 29.99% APR, a $1,000 personal loan works out to about $97.48 a month and $1,169.79 in total. Lenders set the real numbers.
Example estimate
Spread over 12 months at a 29.99% APR, a $1,500 personal loan works out to about $146.22 a month and $1,754.68 in total. Lenders set the real numbers.
Example estimate
Spread over 18 months at a 29.99% APR, a $2,000 personal loan works out to about $139.33 a month and $2,507.94 in total. Lenders set the real numbers.
Example estimate
Spread over 18 months at a 29.99% APR, a $2,500 personal loan works out to about $174.16 a month and $3,134.93 in total. Lenders set the real numbers.
Example estimate
Spread over 24 months at a 29.99% APR, a $4,000 personal loan works out to about $223.63 a month and $5,367.14 in total. Lenders set the real numbers.
Example estimate
Spread over 36 months at a 29.99% APR, a $5,000 personal loan works out to about $212.23 a month and $7,640.30 in total. Lenders set the real numbers.
Loan sizes
Most borrowers with bad credit do best by asking for the smallest personal loan that fully covers the cost, because a smaller balance means a lower payment and less total interest.
Vet visits, a furnace part, a late utility bill.
3–12 months typical · terms set by each lender
Card payoff, a roof patch, a used-car repair.
12–24 months typical · terms set by each lender
Funeral costs or consolidating several balances.
18–48 months typical · terms set by each lender
Before you accept
The safest way to use a bad credit personal loan is to compare the APR, fees and total repayment of every offer before you sign, because the same amount can cost hundreds more from one lender than another.
A low payment over a long term can cost more. Compare the APR and the total of payments line.
Many bad-credit lenders deduct 1% to 10% up front, so a $2,000 loan may deposit only $1,850.
Check that you can pay the loan off early without a fee; most reputable lenders allow it.
Match the due dates to your paychecks so autopay never lands before the money does.
Look for the lender's state license or partner bank on its disclosures page.
On-time payments only rebuild your score if the lender reports to the credit bureaus.
Scores are our editorial estimate for borrowers with bad credit (5 = best). Lenders in our network are installment lenders, so every option is judged against personal installment loans with fixed payments. Amount means how much you can usually get, Speed how fast money arrives, Cost the typical price, Repayment how manageable the payback is.
| Option | Amount | Speed | Cost | Repayment |
|---|---|---|---|---|
| Personal loan through our network | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Credit card cash advance | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Buy now, pay later | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Bank personal loan | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Earned wage access app | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
Borrower reviews
Jamal F.
Baton Rouge, LA
A shingle section blew off and I had three days before more rain was forecast. I got funds the next business day and had a roofer paid by day three. I do not know what I would have done otherwise—my savings were not close to covering it and my cards were maxed.
Requested for: Home Repair · $1,800
Imani B.
Spokane, WA
My dog needed emergency surgery and the vet needed a deposit by eight in the morning. I applied the night before, was approved overnight, and the funds were there before the appointment. She is fully recovered now. I cannot put into words how much that fast turnaround meant.
Requested for: Pet Care · $2,100
Latoya C.
Plano, TX
My mother passed and we needed to move fast. I applied, was approved, and the funeral home was paid within two days. I could focus entirely on my family and on honoring her instead of scrambling for money or making phone calls to banks that would have said no.
Requested for: Funeral · $5,000
Rates
Borrowers with poor credit are usually offered APRs between roughly 25% and 35.99%, while fair credit often lands between 18% and 28%; the lender, your income and the loan term decide the exact rate.
| Credit band | Typical APR range |
|---|---|
| Excellent (720+) | 8%–15% |
| Good (690–719) | 14%–20% |
| Fair (630–689) | 18%–28% |
| Poor (300–629) | 25%–35.99% |
Credit scoreEach tier up can trim several points off the rate you see.
Debt-to-incomeUnder 40% of gross pay going to debts reads as lower risk.
Term lengthLonger terms often carry a higher APR and more total interest.
Origination feeAn up-front fee is folded into the APR and raises the true cost.
Representative example
At 29.99% APR with no origination fee, the payment comes to about $139.33 a month. Your own offer may be higher or lower.
Why use us
Starting with a loan-request service saves time and reduces guesswork, because one form reaches several lenders that already consider bad credit instead of lenders that will decline you outright.
It also keeps you away from sites that promise online lenders no credit check at all; legit loans almost always involve at least a soft check, and we tell you that up front.
A single form reaches several lenders, so you are not re-typing your details on a dozen sites.
We never charge you. Lenders pay us for connections, which is disclosed on every page.
Declining every offer costs nothing and does not affect your ability to request again.
Each lender shows its full terms first, so you can line offers up side by side.
Your request is encrypted in transit and shared only with lenders that may fit your profile.
Questions about the service reach a person at (888) 446-2620 or [email protected].
Repaying
Repaying Credit Bad Loans on time is the fastest way to raise your score, and three habits do most of the work: automatic payments, small extra payments and early contact with the lender.
Most late fees come from timing, not from missing money. Schedule the draft one or two days after your paycheck clears.
Adding even $20 a month to a $2,000 personal loan can cut a few months and some interest off the term.
Lenders often offer a short extension or a new due date if you ask before the payment is late.
General guidance, not a policy of any specific lender.
Disclosures & security
We are a free loan-request service, not a lender, so we never decide whether you are approved, never set your rate and never collect your payments.
Who we are
We run a loan-request service for people whose credit makes banks say no, built around clear disclosures, plain estimates and a real phone number you can call.
We started the service after watching friends with low scores fill out form after form and get nowhere. Our job is narrow: get one honest request in front of lenders that actually consider it.
1256 Juniper Road, Suite 116
Helena, MT 59601
FAQ
People with bad credit usually ask the same five questions before they send a request, and the short answers below cover credit checks, speed, fees and what happens next.
Yes, some lenders in our network review scores in the 500s, especially when you have steady income and a checking account. Expect higher APRs, often 25% to 35.99%, and smaller first loans.
Sending the request itself does not. Many lenders start with a soft inquiry that does not affect your score; a hard inquiry usually happens only if you accept an offer and the lender finalizes it.
Once you accept an offer, many lenders fund within one to two business days. Same-day funding exists with a few lenders but depends on the time of day and your bank.
No. We do not charge borrowers. Lenders may charge origination fees, which they must show you before you sign.
It happens, especially with very recent missed payments. The eligibility guide explains what lenders weigh and how to strengthen a future request.
Next step
One short request, no fee to use the service, and no obligation to accept any offer.