Getting the Best Bad Credit Loans

What's the easiest loan to get with bad credit? Here is a complete list of the best bad credit loan lenders 2022. Best Bad Credit Loans From Our Partners. Compare interest rates and fees to find the best fit for you.

Best Bad Credit Loans From Our Partners

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

LendYou
до $ 2 500
loan amount:$100-5000
age:18 years of age or older
loan term:2 to 7 years
est. APR:6.63% to 485%

information
  • valid checking or savings account with direct deposit
  • you should have worked at your current employment at least 90 days
  • be a US citizen/permanent resident
  • minimum regular income of $1,000 per/month after tax
  • have a checking account in your name
  • have a valid email
  • have a home/work telephone number

Get Started

USA NewLoan
до $ 5 000
loan amount:$100-5000
age:18 years of age or older
loan term:2 to 7 years
est. APR:6.63% to 485%

information
  • valid checking or savings account with direct deposit
  • you should have worked at your current employment at least 90 days
  • be a US citizen/permanent resident
  • minimum regular income of $1,000 per/month after tax
  • have a checking account in your name
  • have a valid email
  • have a home/work telephone number

Get Started

PrimeTimeAdvance
до $ 5 000
loan amount:$100-5000
age:18 years of age or older
loan term:2 to 7 years
est. APR:6.63% to 485%

information
  • valid checking or savings account with direct deposit
  • you should have worked at your current employment at least 90 days
  • be a US citizen/permanent resident
  • minimum regular income of $1,000 per/month after tax
  • have a checking account in your name
  • have a valid email
  • have a home/work telephone number

Get Started

Loans4USA
до $ 5 000
loan amount:$100-5000
age:18 years of age or older
loan term:2 to 7 years
est. APR:6.63% to 485%

information
  • valid checking or savings account with direct deposit
  • you should have worked at your current employment at least 90 days
  • be a US citizen/permanent resident
  • minimum regular income of $1,000 per/month after tax
  • have a checking account in your name
  • have a valid email
  • have a home/work telephone number

Get Started

PaydayCash
до $ 5 000
loan amount:$100-5000
age:18 years of age or older
loan term:2 to 7 years
est. APR:6.63% to 485%

information
  • valid checking or savings account with direct deposit
  • you should have worked at your current employment at least 90 days
  • be a US citizen/permanent resident
  • minimum regular income of $1,000 per/month after tax
  • have a checking account in your name
  • have a valid email
  • have a home/work telephone number

Get Started

Payzonno
до $ 5 000
loan amount:$100-5000
age:18 years of age or older
loan term:2 to 7 years
est. APR:6.63% to 485%

information
  • valid checking or savings account with direct deposit
  • you should have worked at your current employment at least 90 days
  • be a US citizen/permanent resident
  • minimum regular income of $1,000 per/month after tax
  • have a checking account in your name
  • have a valid email
  • have a home/work telephone number

Get Started

Qualifications

  • Minimum credit score: None.
  • Minimum credit history: None, this lending platform accepts borrowers with credit history too limited to produce a FICO score.
  • Minimum gross income: $10,000.
  • Employment: Full-time job, full-time job offer starting in 6 months, a regular part-time job, or another source of regular income.
  • Must have U.S. residential street address where borrower resides (unless military personnel on active duty).
  • Must be at least 18 years old.
  • Valid email account required.
  • Personal bank account with U.S. routing number required.

Pros

  • Allows secured and joint loans.
  • Offers a wide range of repayment terms.
  • Offers a 0.5% rate discount for setting up autopay.
  • Offers significant rate discount for checking account customers.
  • Offers rate discount with direct payment to creditors on debt consolidation loans.

Cons

  • Charges origination fee.
  • No co-signed loan option.

There are quite a few benefits that you can get out of bad credit loans but the main one is probably the fact that these are very easy to obtain. There are only a few criteria that you have to meet before you are approved for these bad credit payday loans.

You will find that there are plenty of lenders who operate in this industry. Some of them are new while others have been doing it for quite some time.

The main thing about payday loans for bad credit is that most of the lenders do not require a credit check or documents to be faxed before they give you their approval. This is the reason why these bad credit payday loans come with a fast approval process. They are very speedy and this is perfect for those who need them.

Most people wonder how they can get bad credit loans without the lenders doing credit checks on them and without them faxing over the important documents those other traditional lenders require. The fact is that you do not have to send any documents at all since the lender does not really have to know that many things about you. This is not like the usual bank loans where they go through so many processes before you can even get an approval. With payday loans, the criteria to qualify are very minimal.

The lender really just has to find out whether or not you are capable of paying them back. This is the only thing that they are concerned about. As long as your lender knows that you are able to repay them, they will let you borrow the cash that you need.

Boy and girl checking bills Best Bad Credit Loans

Your payday loan without security is expected to be paid the same time that you get your next paycheck. This could be monthly or bi-monthly depending on the policies of the company that you are working for. The lenders will want to know when you usually get paid and whether you have a steady job or not. The only thing that concerns them is if you can pay regularly and you get paid each month. Once they are aware of this and they are satisfied, they will send you the notice of their approval.

There are quite a few reasons why you may want to apply for these easy payday loans. Perhaps you are wondering why people take this route in the first place. Well the answer is that there are tons of reasons why you may want to go this way and it is very probable that you might end up getting one in the future too.

It is not bad for you or someone else to require a payday loan. This is the reason why lenders entered this industry. They want to help out people who have urgent financial needs and need a quick fix.

Perhaps you have come across a repair that you need for your car or maybe your wife is giving birth and you are quite short on cash. These are things that you do not really fit into your budget each month and they might be the reason why your cash on hand has suddenly gone very low. It could also be that you are thinking of investing on your own business and you need some cash to help you with the capital. It really does not matter what your cash requirement is for; you only have to believe that you can get the cash right away. The only requirement from you is that you have a steady job and that you get a paycheck every month.

FAQ - One Hour Payday Loans

Are online loans safe❓

It is safe to get a loan from an online lender; you just need to choose a reputable lender. Features like no credit checks and annual percentage rates above 36% should be red flags. Know the signs of predatory loans to avoid a debt trap.

Where can I get a loan❓

Online lenders, banks and credit unions all offer unsecured personal loans. While some online lenders can offer low rates and fast funding, you may get a better offer from your credit union or bank if you're an existing customer. Learn more about where to get a personal loan.

How fast can I get a loan❓

Some lenders say they can approve a loan application in minutes and fund a loan win a day or two of approval, while others may take a few days for each. Generally, you should expect to get the funds from a installment loan within a week of approval.

Can I get a fast loan with bad credit❓

Credit score requirements vary among lenders. Some lenders accept borrowers with good or better credit only; others will loan to bad-credit borrowers. Learn how to get a payday loan with bad credit.

Can I get a cash advance online❓

Cash advance online loans are quickly approved, and in most cases available on the same day for our clients. As soon as the submitted cash loan application has been approved, funds will be transferred into your account on the same day.

How can I borrow emergency money❓

You can get an emergency loan through a bank, online lender or credit union. It's best to compare emergency loans with alternatives to find the cheapest way to borrow money. Online lenders can fund loans quickly — sometimes the same or next day after you're approved — and many let you check your rate before you apply. It usually takes a few minutes to apply for a loan if you have all the required documents ready.