{"id":736,"date":"2017-06-09T11:52:04","date_gmt":"2017-06-09T18:52:04","guid":{"rendered":"https:\/\/financer.com\/?page_id=736"},"modified":"2025-01-03T19:49:40","modified_gmt":"2025-01-04T03:49:40","slug":"bad-credit-loans","status":"publish","type":"page","link":"https:\/\/financer.com\/loans\/bad-credit-loans\/","title":{"rendered":"Bad Credit Loans"},"content":{"rendered":"\n<p>If you&#8217;re struggling with poor credit but need financial assistance, you&#8217;re not alone. <a href=\"https:\/\/financer.com\/loans\/tribal-loans\/\">Bad credit loans<\/a> can be a lifeline when traditional lenders turn you away. <\/p>\n\n\n\n<p>Let&#8217;s explore the best bad credit loan options for 2025, helping you make an informed decision about your financial future.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3>Quick Answer: Best Bad Credit Loans For 2025<\/h3><ul>\n<li><strong><a href=\"https:\/\/financer.com\/company\/upstart\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Upstart<\/a>:<\/strong> Best overall for bad credit<\/li>\n<li><strong><a href=\"https:\/\/financer.com\/company\/upgrade\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Upgrade<\/a>:<\/strong> Best for flexible terms<\/li>\n<li><strong>Best Egg:<\/strong> Best for secured loan options<\/li>\n<li><strong><a href=\"https:\/\/financer.com\/company\/loansunder36\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">LoansUnder36<\/a>:<\/strong> Best for comparing multiple lenders<\/li>\n<li><strong><a href=\"https:\/\/financer.com\/company\/5kfunds\/\">5KFunds<\/a>:<\/strong> Best for quick funding<\/li>\n<li><a href=\"https:\/\/financer.com\/company\/low-credit-finance\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\"><strong>Low Credit Finance:<\/strong><\/a> Best for very low credit scores<\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Top_Bad_Credit_Loan_Providers_for_fn_date_formatY\">Top Bad Credit Loan Providers for 2025<\/h2>\n\n\n\n<p>After thorough research and analysis, we&#8217;ve identified the top lenders offering bad credit loans. Here are our top picks:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Upstart_Best_Overall_for_Bad_Credit\">1. Upstart: Best Overall for Bad Credit<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.com\/company\/upstart\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2017\/06\/upstart-review.png\" class=\"attachment-full size-full\" alt=\"upstart review\" \/><\/a><span class=\"items-content__card-chosen\">Chosen <strong>10,507<\/strong> times<\/span><ul class=\"items-content__card-list\"><li >Fast Funding<\/li><li >High Trustpilot Rating<\/li><li >High Acceptance Rate<\/li><li >No Repayment Penalty Fees<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">1000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lowest APR<\/span><span class=\"items-content__card-datapoint-value\">7.80<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Highest APR<\/span><span class=\"items-content__card-datapoint-value\">35.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Term<\/span><span class=\"items-content__card-datapoint-value\">3 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Term<\/span><span class=\"items-content__card-datapoint-value\">5 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepts bad credit:<\/span><span class=\"items-content__card-datapoint-value\">Yes. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum Age<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.com\/company\/upstart\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"764\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">See offer<\/a><a href=\"https:\/\/financer.com\/company\/upstart\/\"  class=\"button is-rounded items-content__card-more-info\">More Info<\/a><a href=\"https:\/\/financer.com\/company\/upstart\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.9\">4.9<\/span><\/a><span class=\"items-content__card-reviews\">Read&nbsp;<a href=\"https:\/\/financer.com\/company\/upstart\/#read-reviews\">7<\/strong>&nbsp;reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"You_might_consider_Upstart_if\">You might consider Upstart if:<\/h3><ul>\n<li>You have a limited credit history but a strong educational background or promising career trajectory<\/li>\n<li>You want a lender that uses alternative data for approval, such as education and job history<\/li>\n<li>You need funds quickly, as Upstart often provides next-day funding<\/li>\n<li>You&#8217;re looking for a lender that accepts lower credit scores without requiring a co-signer<\/li>\n<\/ul><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3>Pros<\/h3><li><p>Low minimum credit score requirement<\/p>\n<\/li><li><p>Flexible loan amounts<\/p>\n<\/li><li><p>Quick funding<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3>Cons<\/h3><li><p>No option to apply with a co-borrower<\/p>\n<\/li><li><p>Limited repayment terms<\/p>\n<\/li><li><p>Charges origination fees<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Upgrade_Best_for_Flexible_Terms\">2. Upgrade: Best for Flexible Terms<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.com\/company\/upgrade\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"728\" height=\"165\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2020\/03\/new-upgradelogo-fullcolor-h-1.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2020\/03\/new-upgradelogo-fullcolor-h-1.png 728w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2020\/03\/new-upgradelogo-fullcolor-h-1-300x68.png 300w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><span class=\"items-content__card-chosen\">Chosen <strong>2,552<\/strong> times<\/span><ul class=\"items-content__card-list\"><li >High Trustpilot Rating<\/li><li >No prepayment fees<\/li><li >Fast Funding<\/li><li >Helpful Support Team<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">1000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lowest APR<\/span><span class=\"items-content__card-datapoint-value\">9.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Highest APR<\/span><span class=\"items-content__card-datapoint-value\">35.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Term<\/span><span class=\"items-content__card-datapoint-value\">2 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Term<\/span><span class=\"items-content__card-datapoint-value\">7 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepts bad credit:<\/span><span class=\"items-content__card-datapoint-value\">Yes. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum Age<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.com\/company\/upgrade\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"10054\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">See offer<\/a><a href=\"https:\/\/financer.com\/company\/upgrade\/\"  class=\"button is-rounded items-content__card-more-info\">More Info<\/a><a href=\"https:\/\/financer.com\/company\/upgrade\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.6\">3.6<\/span><\/a><span class=\"items-content__card-reviews\">Read&nbsp;<a href=\"https:\/\/financer.com\/company\/upgrade\/#read-reviews\">18<\/strong>&nbsp;reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"You_might_consider_Upgrade_if\">You might consider Upgrade if:<\/h3><ul>\n<li>You want the flexibility to choose your payment due date<\/li>\n<li>You&#8217;re interested in a lender that offers both <a href=\"https:\/\/financer.com\/loans\/personal-loans\/\">personal loans<\/a> and <a href=\"https:\/\/financer.com\/credit-cards\/\">credit cards<\/a> for bad credit<\/li>\n<li>You appreciate having the option for direct payment to creditors for debt consolidation<\/li>\n<li>You want access to free credit monitoring and educational resources<\/li>\n<\/ul><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3>Pros<\/h3><li><p>Offers APR discounts for autopay<\/p>\n<\/li><li><p>Flexible loan terms<\/p>\n<\/li><li><p>Direct payment to creditors available<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3>Cons<\/h3><li><p>Charges origination fees<\/p>\n<\/li><li><p>Late fees apply<\/p>\n<\/li><li><p>Failed payment attempt fees<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Best_Egg_Best_for_Secured_Loan_Options\">3. Best Egg: Best for Secured Loan Options<\/h3>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"You_might_consider_Best_Egg_if\">You might consider Best Egg if:<\/h3><ul>\n<li>You have valuable assets and prefer a secured loan option for better rates<\/li>\n<li>You want a lender that offers both unsecured and secured personal loan options<\/li>\n<li>You value a lender with a track record of high customer satisfaction<\/li>\n<li>You&#8217;re looking for potential soft credit pull pre-qualification<\/li>\n<\/ul><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3>Pros<\/h3><li><p>Offers secured loans with home fixtures as collateral<\/p>\n<\/li><li><p>Flexible repayment terms<\/p>\n<\/li><li><p>Unsecured loan options available<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3>Cons<\/h3><li><p>Charges origination fees<\/p>\n<\/li><li><p>Minimum credit score requirement of 600<\/p>\n<\/li><li><p>May have stricter eligibility criteria<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_5KFunds_Best_for_Quick_Funding\">4. 5KFunds: Best for Quick Funding<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.com\/company\/5kfunds\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"393\" height=\"128\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2018\/08\/5kfunds-logo.png\" class=\"attachment-full size-full\" alt=\"5KFunds Logo\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2018\/08\/5kfunds-logo.png 393w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2018\/08\/5kfunds-logo-300x98.png 300w\" sizes=\"(max-width: 393px) 100vw, 393px\" \/><\/a><span class=\"items-content__card-chosen\">Chosen <strong>81,086<\/strong> times<\/span><ul class=\"items-content__card-list\"><li >Check Rates without Credit Impact<\/li><li >No Minimum Credit Score<\/li><li >Large Network of Lenders<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">35000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lowest APR<\/span><span class=\"items-content__card-datapoint-value\">5.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Highest APR<\/span><span class=\"items-content__card-datapoint-value\">35.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Term<\/span><span class=\"items-content__card-datapoint-value\">2 Months<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Term<\/span><span class=\"items-content__card-datapoint-value\">6 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepts bad credit:<\/span><span class=\"items-content__card-datapoint-value\">Yes. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum Age<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.com\/company\/5kfunds\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4647\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">See offer<\/a><a href=\"https:\/\/financer.com\/company\/5kfunds\/\"  class=\"button is-rounded items-content__card-more-info\">More Info<\/a><a href=\"https:\/\/financer.com\/company\/5kfunds\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a><span class=\"items-content__card-reviews\">Read&nbsp;<a href=\"https:\/\/financer.com\/company\/5kfunds\/#read-reviews\">91<\/strong>&nbsp;reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"You_might_consider_5KFunds_if\">You might consider 5KFunds if:<\/h3><ul>\n<li>You want to save time by comparing multiple loan offers with a single application<\/li>\n<li>You&#8217;re open to various types of loans, including personal loans, installment loans, and lines of credit<\/li>\n<li>You value a quick and easy online application process<\/li>\n<li>You&#8217;re looking for lenders who may consider factors beyond just your credit score<\/li>\n<\/ul><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3>Pros<\/h3><li><p>Quick and easy application process<\/p>\n<\/li><li><p>Connects you with multiple lenders<\/p>\n<\/li><li><p>Free to use<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3>Cons<\/h3><li><p>Not a direct lender<\/p>\n<\/li><li><p>Rates and terms vary by lender<\/p>\n<\/li><li><p>May receive marketing communications<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i5_LoansUnder36_Best_for_Comparing_Multiple_Lenders\">5. LoansUnder36: Best for Comparing Multiple Lenders<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.com\/company\/loansunder36\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"600\" height=\"73\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/09\/loansunder36.png\" class=\"attachment-full size-full\" alt=\"LoansUnder36\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/09\/loansunder36.png 600w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2021\/09\/loansunder36-300x37.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><span class=\"items-content__card-chosen\">Chosen <strong>6,904<\/strong> times<\/span><ul class=\"items-content__card-list\"><li >Loans with APRs under 36%<\/li><li >Loans from $500 to $35,000<\/li><li >Fast and easy approval process<\/li><li >No minimum credit score requirement to apply<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">35000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lowest APR<\/span><span class=\"items-content__card-datapoint-value\">5.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Highest APR<\/span><span class=\"items-content__card-datapoint-value\">35.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Term<\/span><span class=\"items-content__card-datapoint-value\">2 Months<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Term<\/span><span class=\"items-content__card-datapoint-value\">6 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepts bad credit:<\/span><span class=\"items-content__card-datapoint-value\">Yes. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum Age<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.com\/company\/loansunder36\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"22629\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">See offer<\/a><a href=\"https:\/\/financer.com\/company\/loansunder36\/\"  class=\"button is-rounded items-content__card-more-info\">More Info<\/a><a href=\"https:\/\/financer.com\/company\/loansunder36\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"5\">5.0<\/span><\/a><span class=\"items-content__card-reviews\">Read&nbsp;<a href=\"https:\/\/financer.com\/company\/loansunder36\/#read-reviews\">4<\/strong>&nbsp;reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"You_might_consider_LoansUnder36_if\">You might consider LoansUnder36 if:<\/h3><ul>\n<li>You want to ensure you won&#8217;t pay more than 36% APR, which is considered the upper limit for affordable loans<\/li>\n<li>You&#8217;re looking for a wide range of loan options, from small short-term loans to larger long-term loans<\/li>\n<li>You value working with a platform that enforces responsible lending practices<\/li>\n<li>You want to explore options from both traditional lenders and peer-to-peer platforms<\/li>\n<\/ul><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3>Pros<\/h3><li><p>Access to multiple lender offers<\/p>\n<\/li><li><p>Cap on APR at 36%<\/p>\n<\/li><li><p>Flexible loan amounts and terms<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3>Cons<\/h3><li><p>Not a direct lender<\/p>\n<\/li><li><p>May receive multiple marketing communications<\/p>\n<\/li><li><p>Actual rates depend on individual lenders<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Understanding_Bad_Credit_Loans\">Understanding Bad Credit Loans<\/h2>\n\n\n\n<p>Bad credit loans are personal loans designed for borrowers with low credit scores. These loans often come with higher interest rates and fees due to the increased risk for lenders. <\/p>\n\n\n\n<p>However, they can be a valuable financial tool when used responsibly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"What_Credit_Score_Do_You_Need_for_a_Bad_Credit_Loan\">What Credit Score Do You Need for a Bad Credit Loan?<\/h3>\n\n\n\n<p>FICO credit scores range from 300 to 850. Here&#8217;s how they&#8217;re categorized:<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"FICO_Credit_Score_Ranges\">FICO Credit Score Ranges<\/h3><ul>\n<li>Poor: 300 &#8211; 579<\/li>\n<li>Fair: 580 &#8211; 669<\/li>\n<li>Good: 670 &#8211; 739<\/li>\n<li>Very Good: 740 &#8211; 799<\/li>\n<li>Exceptional: 800 &#8211; 850<\/li>\n<\/ul><\/div>\n\n\n<p>Bad credit loans are typically targeted at individuals with credit scores under 580. However, some lenders may consider scores up to 669 as qualifying for bad credit loans.<\/p>\n\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Compare loans from 45 lenders<\/h3><p>Find the cheapest rate with one click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"500\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.com\/results?query=1&non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360\" data-slider-url=\"https:\/\/financer.com\/results?query=1&non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360\" data-required=\"results?query=1non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compare Offers<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Pros_and_Cons_of_Bad_Credit_Loans\">Pros and Cons of Bad Credit Loans<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Pros_of_Bad_Credit_Loans\">Pros of Bad Credit Loans<\/h3><li><p>Quick access to funds for emergencies or unexpected expenses<\/p>\n<\/li><li><p>Fixed interest rates for predictable monthly payments<\/p>\n<\/li><li><p>Potential for credit score improvement with timely payments<\/p>\n<\/li><li><p>Lower rates compared to some credit cards<\/p>\n<\/li><li><p>Flexible lending guidelines considering factors beyond credit score<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Cons_of_Bad_Credit_Loans\">Cons of Bad Credit Loans<\/h3><li><p>High interest rates compared to traditional loans<\/p>\n<\/li><li><p>Additional fees such as origination fees and prepayment penalties<\/p>\n<\/li><li><p>Restricted loan amounts<\/p>\n<\/li><li><p>Shorter repayment terms<\/p>\n<\/li><li><p>Risk of predatory lending practices<\/p>\n<\/li><li><p>Potential negative impact on credit score if payments are missed<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Types_of_Bad_Credit_Loans\">Types of Bad Credit Loans<\/h2>\n\n\n\n<p>Several types of bad credit loans are available to borrowers. Each type has its own characteristics and considerations. Understanding these options can help you choose the best loan for your situation:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Personal_Loans\">1. Personal Loans<\/h3>\n\n\n\n<p>These are fixed-rate installment loans repaid over a specified term, usually 1-7 years. Approval depends on income, employment, and credit history.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Key_Features\">Key Features<\/h3><ul>\n<li>Fixed monthly payments<\/li>\n<li>Loan amounts typically from $1,000 to $50,000<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Bad_Credit_Installment_Loans\">2. Bad Credit Installment Loans<\/h3>\n\n\n\n<p>These are emergency loans with no minimum credit score requirement. They can have high APRs but offer repayment terms up to 18 months and loan amounts up to $4,000.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Key_Features\">Key Features<\/h3><ul>\n<li>Quick approval process<\/li>\n<li>Shorter repayment terms<\/li>\n<li>Higher interest rates<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Payday_Loans\">3. Payday Loans<\/h3>\n\n\n\n<p>These are small-credit loans repaid from the next paycheck. They often come with exorbitant fees and APRs exceeding 400%. Use with extreme caution.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Key_Features\">Key Features<\/h3><ul>\n<li>Very short-term (usually 2 weeks)<\/li>\n<li>Extremely high fees and interest rates<\/li>\n<li>Risk of debt cycle<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Payday_Alternative_Loans_PALs\">4. Payday Alternative Loans (PALs)<\/h3>\n\n\n\n<p>Offered by credit unions, these loans are more affordable than <a href=\"https:\/\/financer.com\/loans\/payday-loans\/\">payday loans<\/a>, with APRs capped at 28% and loan amounts up to $2,000.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Key_Features\">Key Features<\/h3><ul>\n<li>Lower interest rates than payday loans<\/li>\n<li>Longer repayment terms (1-12 months)<\/li>\n<li>Requires credit union membership<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i5_Cash_Advance_Apps\">5. Cash Advance Apps<\/h3>\n\n\n\n<p>These apps allow borrowing small amounts (usually under $1,000) without a credit check until the next paycheck. Fees may apply for expedited transfers.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Key_Features\">Key Features<\/h3><ul>\n<li>No credit check required<\/li>\n<li>Small loan amounts<\/li>\n<li>Fees instead of interest<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i6_Buy_Now_Pay_Later_BNPL\">6. Buy Now, Pay Later (BNPL)<\/h3>\n\n\n\n<p>These are installment loans for specific retail purchases, allowing you to split the total into interest-free payments. Credit checks may vary by lender.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Key_Features\">Key Features<\/h3><ul>\n<li>Often interest-free if paid on time<\/li>\n<li>Usually split into 4 payments<\/li>\n<li>Limited to retail purchases<\/li>\n<\/ul><\/div>\n\n\n<p>When considering these options, always evaluate the terms carefully and ensure you can meet the repayment obligations. <\/p>\n\n\n\n<p>Remember, the goal is to use these loans as a stepping stone to better financial health, not as a long-term solution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"How_to_Spot_a_Personal_Loan_Scam\">How to Spot a Personal Loan Scam<\/h2>\n\n\n\n<p>When seeking a bad credit loan, it&#8217;s crucial to be aware of potential scams. Here are some red flags to watch out for:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Signs_of_a_Personal_Loan_Scam\">Signs of a Personal Loan Scam<\/h3><li><p>Lender offers without proper documentation or approval process<\/p>\n<\/li><li><p>Guaranteed approval without checking creditworthiness<\/p>\n<\/li><li><p>Lender shows no concern for your credit history<\/p>\n<\/li><li><p>Lender is not registered in your state<\/p>\n<\/li><li><p>Requests for wire transfers or payments to individuals<\/p>\n<\/li><li><p>Demands for upfront payments to cover various fees<\/p>\n<\/li><\/ul><\/div>\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>How to save <span class=\"compare-amount\">$1,190.00 <\/span> on your loan<\/h3>\n\t\t\t\t<p>The price difference for a $500.00 loan in 90 days is $1,190.00.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.com\/results\/?query=1&filter_non_affiliate=1&param_amount=500&param_period=90\" class=\"button is-normal is-primary is-rounded\">Find out how<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"How_to_Choose_the_Right_Bad_Credit_Loan\">How to Choose the Right Bad Credit Loan<\/h2>\n\n\n\n<p>When considering a bad credit loan, it&#8217;s essential to carefully weigh your options and choose a reputable lender. Here&#8217;s a step-by-step guide to help you make an informed decision:<\/p>\n\n\n<h3 id=\"Steps_to_Choose_the_Right_Bad_Credit_Loan\">Steps to Choose the Right Bad Credit Loan<\/h3><div class=\"howto_desc\"><p>Follow these steps to ensure you&#8217;re making the best choice for your financial situation:<\/p><\/div><h4>Steps<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Assess Your Financial Situation<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Check Your Credit Score<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Research Multiple Lenders<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. Consider Secured Loan Options<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_5\">5. Read the Fine Print<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_6\">6. Verify Lender Legitimacy<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_7\">7. Prepare Necessary Documents<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_8\">8. Apply and Compare Offers<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_9\">9. Negotiate Terms<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_10\">10. Plan for Repayment<\/a><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Step 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Assess-Your-Financial-Situation\">Assess Your Financial Situation<\/h3><p>Before applying for a loan, evaluate your income, expenses, and the exact amount you need to borrow. This will help you determine what loan amount and monthly payment you can realistically afford.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Step 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Check-Your-Credit-Score\">Check Your Credit Score<\/h3><p>Obtain your free credit report and score. Understanding your current credit situation will help you set realistic expectations for loan terms and interest rates.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Step 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Research-Multiple-Lenders\">Research Multiple Lenders<\/h3><p>Compare offers from at least three different lenders, including banks, credit unions, and online lenders. Look at interest rates, loan terms, fees, and customer reviews.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Step 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Consider-Secured-Loan-Options\">Consider Secured Loan Options<\/h3><p>If you have assets to use as collateral, a secured loan might offer better terms. However, understand the risks involved before proceeding.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Step 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Read-the-Fine-Print\">Read the Fine Print<\/h3><p>Carefully review all terms and conditions, paying special attention to interest rates, repayment terms, fees, and any prepayment penalties.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_6\">Step 6<\/div><div class=\"single-article__steps-content\"><h3 id=\"Verify-Lender-Legitimacy\">Verify Lender Legitimacy<\/h3><p>Ensure the lender is registered to operate in your state. Check with your state&#8217;s financial regulation department or the Better Business Bureau.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_7\">Step 7<\/div><div class=\"single-article__steps-content\"><h3 id=\"Prepare-Necessary-Documents\">Prepare Necessary Documents<\/h3><p>Gather required documentation such as proof of income, bank statements, and identification to streamline the application process.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_8\">Step 8<\/div><div class=\"single-article__steps-content\"><h3 id=\"Apply-and-Compare-Offers\">Apply and Compare Offers<\/h3><p>Submit applications to your chosen lenders. Compare the final offers you receive, considering all aspects of the loan, not just the interest rate.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_9\">Step 9<\/div><div class=\"single-article__steps-content\"><h3 id=\"Negotiate-Terms\">Negotiate Terms<\/h3><p>If possible, try to negotiate better terms with the lender, especially if you have competing offers.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_10\">Step 10<\/div><div class=\"single-article__steps-content\"><h3 id=\"Plan-for-Repayment\">Plan for Repayment<\/h3><p>Before accepting a loan, create a solid repayment plan. Consider setting up automatic payments to ensure you never miss a due date.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Important_Considerations\">Important Considerations<\/h3><ul>\n<li>Avoid borrowing more than you need or can afford to repay.<\/li>\n<li>Be wary of lenders who pressure you to make a quick decision.<\/li>\n<li>Understand the impact of the loan on your long-term financial health.<\/li>\n<li>Consider alternatives like credit counseling or debt consolidation if you&#8217;re struggling with existing debt.<\/li>\n<\/ul><\/div>\n\n\n<p>Remember, while bad credit loans can provide much-needed financial relief, they should be used responsibly. Make timely payments to improve your credit score and work towards qualifying for better loan terms in the future. <\/p>\n\n\n\n<p>If you&#8217;re unsure about any aspect of the loan or your ability to repay, consider seeking advice from a financial advisor or credit counselor before proceeding.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Key_Takeaways\">Key Takeaways<\/h3><ul>\n<li>Bad credit loans can provide financial assistance when traditional lenders aren&#8217;t an option.<\/li>\n<li>Top lenders for bad credit include Upstart, Upgrade, and Best Egg.<\/li>\n<li>Understand the pros and cons of bad credit loans before applying.<\/li>\n<li>Explore various types of bad credit loans to find the best fit for your needs.<\/li>\n<li>Be vigilant about potential loan scams and always verify a lender&#8217;s legitimacy.<\/li>\n<li>Responsible use of bad credit loans can help improve your credit score over time.<\/li>\n<\/ul><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Frequently_Asked_Questions\">Frequently Asked Questions<\/h3><h4>Can I get a loan with a credit score under 500?<\/h4><div class=\"faq_inner\"><p>Yes, it&#8217;s possible to get a loan with a credit score under 500, but options may be limited and interest rates will likely be high. Consider lenders like Upstart or explore secured loan options.<\/p><\/div><h4>How can I improve my chances of getting approved for a bad credit loan?<\/h4><div class=\"faq_inner\"><p>To improve your chances, consider adding a co-signer, offering collateral, or demonstrating a stable income. You can also work on improving your credit score by paying bills on time and reducing overall debt.<\/p><\/div><h4>Are payday loans a good option for bad credit?<\/h4><div class=\"faq_inner\"><p>While payday loans are accessible for those with bad credit, they often come with extremely high fees and interest rates. It&#8217;s generally advisable to explore other options first, such as personal installment loans or payday alternative loans from credit unions.<\/p><\/div><h4>How long does it take to receive funds from a bad credit loan?<\/h4><div class=\"faq_inner\"><p>The time to receive funds can vary by lender. Some online lenders like Upstart can provide funds as quickly as the next business day after approval. Traditional banks may take longer, typically 3-7 business days.<\/p><\/div><h4>Can a bad credit loan help improve my credit score?<\/h4><div class=\"faq_inner\"><p>Yes, if you make timely payments on your bad credit loan, it can help improve your credit score over time. This positive payment history is reported to credit bureaus and can boost your creditworthiness.<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re struggling with poor credit but need financial assistance, you&#8217;re not alone. Bad credit loans can be a lifeline\u2026 <\/p>\n","protected":false},"author":37432,"featured_media":84417,"parent":184,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1076],"tags":[14],"_links":{"self":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/pages\/736"}],"collection":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/users\/37432"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/comments?post=736"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/pages\/736\/revisions"}],"predecessor-version":[{"id":84857,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/pages\/736\/revisions\/84857"}],"up":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/pages\/184"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media\/84417"}],"wp:attachment":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media?parent=736"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/categories?post=736"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/tags?post=736"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}