Loans for people with very bad credit

BadCreditLoans.com offers a quick and convenient online loan request form.  Once you submit your loan request, BadCreditLoans.com searches its lender network to match you with a lender that can work for you.

Personal Loan Requirements

In order to qualify to apply for a loan on BadCreditLoans.com, you’ll need four things:

  • Age/ID/Residency Status – You must be 18 years or older with a valid Social Security number and be a legal U.S. citizen or permanent resident.
  • Income – You must be employed at least part-time or receive regular disability or Social Security benefits. Lenders may require income verification.
  • Bank Account – A bank account is required by many lenders.
  • Credit Type – While your low credit score will not exclude you from receiving a loan, BadCreditLoans.com does require a potential borrower to have demonstrated a pattern of responsibility. Recent bankruptcies and/or charged-off accounts could disqualify you.

Interest Rates, Fees, and Loan Terms Will Vary

Variables of the loan itself such as interest rates, the length of the loan, and any fees involved depend on the actual lender who approves your application. Each lender has its own terms and conditions.

BadCreditLoans.com does not charge any fees for using its service. If you’re approved for a loan, the lender will show you the fees and rates associated with the loan prior to your acceptance of the loan. You are never obligated to accept any loan.

Receive Funds as Soon as 1 Business Day After Approval

Getting a loan is fast and easy. Funds can be deposited into your account as soon as one business day after your application is approved. Your repayment schedule will vary between 6 and 72 months (6 years), depending on the terms of your loan agreement with your lender.

BadCreditLoans.com Can Answer More of Your Questions

If you still have questions or concerns, BadCreditLoans.com can help. You can reach them at 1-800-245-5626, or, visit their Frequently Asked Questions page. Please note that if you have questions about a loan you received through BadCreditLoans.com, you’ll need to contact your loan provider directly.

A Credit Card is Another Personal Loan Option

While a credit card may seem like a stretch, it actually isn’t. There are numerous credit cards available to people with poor credit. If you’ve been denied in the past, you’re likely applying for the wrong types of cards.

3 Best Credit Cards for People with Bad Credit

Below are five of our expert’s top-rated credit cards, some even offering 1% cash back on gas and grocery purchases — just be sure to pay your balance in full each month. This way, you’ll always avoid paying costly interest.

One of the best benefits of a credit card is that it can help rebuild your credit while also providing you the money you need. This is because the credit card will report your monthly payments to the credit bureaus, improve your credit mix, and increase your utilization ratio. As long as your payments are on time and your card isn’t maxed out, your credit card usage will be reported positively.

Credit Repair Can Get You Better Interest Rates & Terms

We know that right now your goal is to just get the money you need, and we hope the options provided above can help you attain that goal. But in the future, better credit can make it easier to not only get the loan, but also get you better interest rates — meaning the loan will cost you less overall.

Credit repair services can help you repair your credit by removing negative items from your credit reports. Our top-rated credit repair service, Lexington Law, has helped its past clients see an average of 10.2 negative items removed from their credit reports.

Your consultation will be completely free and there’s no obligation to sign up for services. It’s worth checking out to see how much your credit could potentially improve in a matter of a few short months with Lexington’s help.