If you’re living with a bad credit score, you’re probably already aware that getting bad credit loans at the local bank isn’t possible. However, if you want to get considered for a loan, applying for bad credit loans via a loan-finder is undoubtedly your best bet.
What’s great about using a loan-finder is that the free service can connect you with lenders not only offering bad credit loans but also most likely to assist you in your current financial situation. We set out to find the best providers of bad credit loans in the US and came up with five worth your time and attention. Find everything you need to know about our top five bad credit loans providers below.
Best Bad Credit Loans – Quick Overview
Best Bad Credit Loans – Quick Overview
- Low Credit Finance: Best Overall for Loans for Bad Credit
- Viva Payday Loans: Best for Personal Loans for Bad Credit for Unemployed Individuals
- Big Buck Loans: Best for Online Loans for Bad Credit in a Hurry
- Heart Paydays: Best for Bad Credit Loans Guaranteed Approval
- Green Dollar Loans: Best for 100% Online Application for Personal Loans with Bad Credit
Best Online Loans For Bad Credit Guaranteed Approval America 2022
Low Credit Finance: Best Overall for Loans for Bad Credit

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Loans for bad credit just got easier with the Low Credit Finance platform offering a selection of loans, ranging from $100 to $5000. These loans, designed to be quick and easy to pay off, come with interest of between 5.99% and 35.99% attached.
You can use loans for bad credit from Low Credit Finance to pay for anything you like, from household repairs to sprucing up your wardrobe and anything in between. The best part is that applying for loans for bad credit is made quick and easy with the convenient online application form found on the Low Credit Finance website.
When selecting the amount you wish to request, you’ll notice that the repayment terms range from 3 to 24 months, depending on the loan size. And when you’re approved for loans for bad credit via the platform, you can expect to repay the amount conveniently, according to your payment structure. This is because lenders can set up direct debits on your bank account according to the days you get paid, whether that’s monthly, weekly, or fortnightly.
You can apply for loans for bad credit in a few minutes on the platform and get feedback on whether you can be assisted within two minutes. If you’re looking for an overall great experience when applying for loans for bad credit, Low Credit Finance snags our #1 spot.
Eligibility Criteria for Loans for Bad Credit
- Be of legal age (at least 18 years old)
- Earn a sufficient amount (no less than $1000)
- Be a legal resident or citizen of the United States
- Provide supporting documents: proof of address, ID, bank statements, pay slips
Pros of Loans for Bad Credit
- Bad credit borrowers have access to viable loan offers
- Loans are processed quickly
- Up to 2 years to pay, depending on the loan amount
Cons of Loans for Bad Credit
- Costly way to get extra cash.
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Viva Payday Loans: Best for Personal Loans for Bad Credit for Unemployed Individuals

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If you’re unemployed, you’ll know that getting loans from local banks is nearly impossible. Looking for personal loans for bad credit for unemployed individuals is even more of a big ask. That’s not the case when turning to Viva Payday Loans, though. At Viva Payday Loans, getting access to personal loans for bad credit, whether you’re formally employed or not, is made a simple task.
Personal loans for bad credit can be acquired by filling out a quick and easy online application form. You can select the amount you wish to request, from $100 to $5000. And you’ll also get a selection of repayment options from 3 to 24 months. The interest you can expect is pretty standard compared to other loan-finders and lenders, ranging from 5.99% to 35.99%, depending on the lender and the amount you apply for.
What’s great is that individuals who aren’t formally employed but still generate an income are welcome to apply. This means that Viva Payday Loans allows self-employed individuals, freelancers, students, and those who earn their money through alternatives to get personal loans for bad credit when they need it most.
Eligibility Criteria for Personal Loans for Bad Credit for Unemployed Individuals
- Valid ID
- Eligible age (18+)
- Earnings of $1000 per month or $250 per week
- Access to your own US bank account that supports direct deposit
Pros of Personal Loans for Bad Credit for Unemployed Individuals
- No payslips are required to apply
- Loans processed quickly
- Flexible loan options and easy repayment terms
Cons of Personal Loans for Bad Credit for Unemployed Individuals
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Big Buck Loans: Best for Online Loans for Bad Credit in a Hurry

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Big Buck Loans outshines the rest when getting online loans for bad credit in a hurry. Not only does the platform connect borrowers with lenders offering speedy processing of loans, but it also provides flexible loan amounts and terms. You can get a loan from $100 to $5000 with 3 to 24 months to pay.
There’s nothing lengthy about applying for online loans for bad credit with Big Buck Loans. The initial application will take only a few minutes of your time, and within 2 minutes, you will know if a lender can assist you or not. If you can be assisted, the lender will take the time to finalize the loan details with you and set an interest rate of anything from 5.99% to 35.99%. Then, of course, you can use the cash for anything you like. Most payouts happen within 24 hours, but this is not guaranteed.
To apply for online loans for bad credit with Big Buck Loans, you only need to complete the quick and easy online application form. However, ensure you have your supporting documents handy to speed up the process.
Eligibility Criteria for Online Loans for Bad Credit in a Hurry
- Applicants must be over 18
- Earnings must be at least $1k per month
- US bank account with direct deposit is required
- Legal US residents and citizens only
Pros of Online Loans for Bad Credit in a Hurry
- Borrow up to $5000
- Get up to 24 months to pay
- Quick and easy application process that takes just a few minutes
Cons of Online Loans for Bad Credit in a Hurry
- Interest of up to 35.99%.
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Heart Paydays: Best for Bad Credit Loans Guaranteed Approval

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Bad credit loans guaranteed approval of between $100 and $5000 are readily available via Heart Paydays. What’s great about Heart Paydays’ panel of lenders is that if you meet the criteria and complete the simple online application form, you’re guaranteed to get approval (or notification of rejection) within two short minutes of submitting the form.
To apply for bad credit loans guaranteed approval via Heart Paydays, you must earn at least $1000 per month. You don’t have to be formally employed to earn that but must be able to present your bank statements and payslips (or even tax returns) to prove that you’re earning a sufficient amount. Lenders will compare your income and monthly expenses to determine if you can afford the loan you request.
With loan repayment options of 3 to 24 months and installments that can be automatically deducted via direct debit monthly, fortnightly, or weekly, there’s every reason to believe you won’t struggle to repay bad credit loans guaranteed approval set in place through Heart Paydays. Interest expected is between 5.99% and 35.99% but can be on the lower end of the scale if the lender is competitive.
Eligibility Criteria for Bad Credit Loans Guaranteed Approval
- Present proof of address, proof of earnings, and valid ID
- Be at least 18 years old, earning $1000+ per month
- Have your own US bank account that supports direct deposit
Pros of Bad Credit Loans Guaranteed Approval
- Easy-to-meet eligibility criteria
- Simple repayment options make loans easy to pay back
- Flexible amounts and terms available
Cons of Bad Credit Loans Guaranteed Approval
- Some lenders charge high interest.
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Green Dollar Loans: Best for 100% Online Application Personal Loans with Bad Credit

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Green Dollar Loans stands out to us for their personal loans with bad credit that can be applied for entirely online. A 100% online application process means that you can apply for a loan without having to deal with physical paperwork, make any calls, or send any faxes. It’s the ultimate convenience, and of course, it’s completely discreet.
If you’re looking for a loan you can apply for from the comfort of your home or office with the utmost discretion, the options available at Green Dollar Loans are just what you’re after. Applying for personal loans with bad credit is as easy as spending a few minutes completing an online application form. Then, simply wait to be connected with a lender most likely to assist you.
You can select loan amounts from $100 to $5000 with 3 to 24 months to pay, and the interest most lenders apply to personal loans with bad credit on offer varies from 5.99% to 35.99%.
Eligibility Criteria for 100% Online Application Personal Loans with Bad Credit
- Applicants must be over the age of 18
- To apply, you must be a legal citizen or resident of the USA
- Applicants must generate an income of no less than $1000 p/m
- A US bank account is required
Pros of 100% Online Application Personal Loans with Bad Credit
- No paperwork, calls, or faxes are required
- Borrow up to $5000
- Repayment options up to 2 years
Cons of 100% Online Application Personal Loans with Bad Credit
- Some lenders charge up to 35.99% interest.
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What are Loans with Bad Credit & How Do They Work?
Loans with bad credit are small loans approved and paid out to borrowers with less-than-perfect credit scores. These loans are approved to individuals who meet the mitigating criteria and can prove the loan’s affordability. Such loans have interest added to the principal amount which is then divided by the number of months (repayment term) awarded. Loans with bad credit follow a simple loan model. The borrower processes and application form and if it’s a go-ahead, the details of the loan are finalized with the lender. While loan-finders such as Low Credit Finance connect borrowers with lenders, they do not get involved in the actual loan contract.
How to Apply for Loans with Bad Credit in Four Quick Steps
We investigated the application process for bad credit loans with Low Credit Finance and found it super easy. Simply follow these four steps:
Step 1: Choose the Required Loans with Bad Credit Amount & Term
Loans with bad credit are available in amounts ranging from $100 to $5000 with 3 to 24 months to pay. Select the amount and term required.
Step 2: Complete the Same Application Form for Car Loans for Bad Credit and other Installment Loans for Bad Credit
Whether you want to apply for car loans for bad credit or regular bad credit loans for anything your heart desires, the application form you use is the same. Access the application form for installment loans for bad credit and insert your data. The information required for installment loans for bad credit and bad credit car loans is the same.
Step 3: Wait Two Minutes to Get a Decision on Personal Loans Bad Credit
Personal loans bad credit don’t take long to get approved. Even applying for bad credit personal loans guaranteed approval $5000; the process is pretty quick. You’ll wait just two minutes to hear whether or not you can be assisted with bad credit personal loans guaranteed approval $5000 or not.
Step 4: Get Paid Out for Approved Loans for Bad Credit Online
Approved loans for bad credit online via Low Credit Finance are generally paid out pretty quickly. Once you’ve received the loan agreement from the lender, read and sign it, send it back, and expect a payout soon after.
Bad Credit Personal Loans – Features & Factors to Consider
Interest on Bad Credit Personal Loans
Keep in mind that all bad credit personal loans come with interest attached. In some instances, the interest can be as high as 35.99%.
Repayment Terms on Loans For Bad Credit Online
Always investigate the repayment terms offered to you on loans for bad credit online. Most range from 5.99% to 35.99%, and you’ll find that some lenders are negotiable.
Responsible Providers of Bad Credit Personal Loans
One of the biggest perks of using a loan-finder service such as Low Credit Finance to access bad credit personal loans is that the lenders on their panel are reputable, responsible, and accredited.
Payouts on Loans for People With Bad Credit
One thing you should investigate when applying for loans for people with bad credit is how long you’ll wait to receive the cash when your loan is approved. Many offer a 24-hour payout, but that’s not always guaranteed.
How Did We Select Our Top Providers of Bad Credit Loans Online?
When comparing providers of bad credit loans online, we specifically looked for loan-finder sites offering the following:
- An online application process that’s quick, easy, and simple to understand
- Flexible loans that start low and go as high as $5000
- Repayment terms that are reasonable, making it easy to repay loans
- Interest rates that start as low as 5.99%
- Discretion throughout the loan process
- Reputable lenders that take data privacy seriously
- Quick disbursement of funds on approved loans
Conclusions
Using a loan-finder is one of the go-to methods of borrowers familiar with the borrowing “game.” You can save yourself a lot of time and frustration by hopping onto Low Credit Finance’s platform and filling out an application form. Of course, the other loan-finders reviewed also offer viable services that borrowers of all types will find valuable.
FAQ’s
Are Small Personal Loans for Bad Credit Available to Self-Employed Individuals?
Small personal loans for bad credit are available to self-employed individuals who can prove they have been generating at least $1000 per month for the last three consecutive months. Of course, you will also need to meet the other eligibility criteria in place. As a self-employed individual, you can use your bank statements, income statements, and tax returns to prove your income.
Where Can I Borrow Money Immediately with Bad Credit?
While traditional banks may not be handing out loans to individuals with bad credit easily, there are places you can apply for short term bad credit loans with relative ease. Of course, there are criteria in place to ensure you’re eligible for a loan and can afford it. For instance, you can borrow money with bad credit through Low Credit Finance, but you need to earn $1000 per month, be 18 or older, be a legal citizen or resident of the USA, have a US bank account, and have supporting documents available.
How Can You Get a Loan With Bad Credit?
You may think it’s impossible to get a loan with bad credit, but it isn’t! In fact, if you have bad credit but are currently financially stable and can afford the loan you request, you’re likely to be assisted by a lender. Use the application form on the Low Credit Finance website for the best possible opportunities.
Disclaimer: This is a paid advertisement. The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice, please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only. The owner of the loan website(s) may be paid commission by a third party if you make a request for a loan.