Get Started Now image

By clicking on "Get Started!", I agree to the Terms of Use, Privacy Policy and ESIGN Consent

Guaranteed Approval: Loans for Bad Credit

Do you have a bad credit score? Need a loan but can’t get approved because of your low credit rating? Well, we’re here to help! In this blog post, we’ll talk about loans for people with bad credit. We’ll go over what they are and how to find them. 

You might be thinking, “I don’t want one of those!” But keep reading – there is more than just getting approved that needs to be taken into account when it comes to where you borrow money from.

What is a bad credit loans?

A bad credit loan is an installment or personal loan for people who have a less than perfect credit score. These loans are more expensive because they come with higher interest rates and bigger fees, but if you need money right now, this might be your only option.

How do I know if I have bad credit loans?

You can run your credit score for free on sites like Credit Karma or FreeScore. This way, you’ll know what your score is and any steps you need to take to get it up before applying for a loan. You should check this even if you aren’t planning on getting one of these loans; better safe than sorry!

Steps to improving your credit score

  • Pay all your bills on time, every time.
  • Reduce the amount of debt you have in comparison to how much credit you are using
  • Check your free annual reports at for any errors or identity theft issues.

When should I get a bad credit loans?

If you absolutely cannot wait until your next payday and you have no other options – this is the way to go. These types of loans can be costly (and come with high-interest rates), but that might not matter too much if it’s only for the short term. 

Just make sure that when you’re paying back all that money on top of what was borrowed in fees and APR, don’t take one unless it’s truly an emergency!

Ways to get a loans with poor or no credit history

There are a few ways that you could still get approved for a loan even if your credit isn’t as good as it needs to be.

  • Look into government loans; they’re low interest and don’t require collateral as traditional lenders do, but there might be restrictions on where you live or what type of job you have.
  • If the previous option is not an option, ask family members or friends – sometimes people will lend money without wanting anything in return! Just make sure this person understands how much risk they are taking by giving their hard-earned savings away before accepting any offers from them.  


Bad credit can hold us back when it comes to getting things we need at times. But did you know that there were options for people like you and me? Yes, even if your credit score isn’t that great, there are loans available to help get the things we need in life. Just make sure it’s an emergency before applying!


payday loans
credit report
credit union
loan offers
lines of credit
repayment term
social security number
secured loan
installment loans
varies by state
consolidate debt
loan term
loan option
prepayment penalty
origination fee
apr ranges
borrow money
application process
monthly payments