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Guaranteed Cash Loans for Bad Credit

Even people who have bad credit need to borrow money. Lenders are not always understanding in these situations, and they decide who they will approve for a loan based on the applicant’s credit history.

When traditional lenders perform hard credit checks, they ask the major credit bureaus for the applicants’ credit reports. Then, they can review your entire credit history and learn your credit scores. If they discover that you have good credit, they will be happy to offer you a loan. If, on the other hand, they discover that you have bad credit scores, they may deny you a loan. The reason that they will do this is because they do not believe that you will repay the loan.

It is understandable that a lender will need to ensure that he or she will receive payment after granting a loan, but you are experiencing an urgent financial need and you have to have a personal loan to survive it.

High Interest Rates

Even traditional lenders will take the time to examine your application for a short-term loan if you have bad credit, but they will give you an exorbitantly high interest rate. A high interest rate will cause the payday loan to be extremely expensive, and you may have difficulties making your monthly payments. This type of loan would get you out of the predicament you are currently in, but it would put you right into another one if you have to default on your personal loan.

Many lenders want to help people like you. They will want to know your credit history, but they will not use your credit scores as the only basis for denying or granting you a loan. There are many lenders who can accept your work history as proof that you will repay your loan. If you have been at your current job for several months, have a checking account with a bank and are at least 18 years old, you may qualify for a bad credit loan.

Cash Loans for Bad Credit

Types of Bad Credit Loans

Bad credit loans are different from other traditional loans because they are short-term loans. This means that the terms and conditions for these loans will not last for 20 or 30 years like home equity loans. These loans will be repaid in a matter of weeks. These loans also have a higher interest rate because your credit reports will indicate to the lender that you have made some late payments in the past.

Some loans for bad credit are “unsecured loans,” and they are the type of loan that will have a high interest rate. You will only need to sign a promissory note and promise to repay the loan according to the lender’s terms and conditions. If you were to default, the lender would have the option of sending your account to a collections agency. The lender may even take you to court.

You can obtain installment loans that will not require you to accept a higher interest rate if you apply for a secured loan. If you own a house, car or jewelry, you may offer it to the lender as collateral for a bad credit loan. In the event that you stop making your monthly payments, your lender would be able to seize the property as payment for the loan.

You may not have collateral to present to a lender. In that case, you could ask to borrow the least amount of money possible that will get you out of your current situation. Make sure that you can have that amount of money within 30 days, and you might qualify for a bad credit loan. Then, you will not fall into the trap that so many other borrowers have fallen into when they extended the terms of their bad credit loans several times. This caused the amount that they owed their lenders to increase to a sum that they could not easily afford to repay.

Bad Credit Loans Guaranteed Approval

Installment Loans and Payday Loans

An online lender will offer you two types of loans for bad credit. The first is the installment loan that you will repay on a weekly basis until the entire sum has been paid in full. You can borrow as little as $1,000, and the lender will not do a hard credit check. If you need more, you may qualify to borrow as much as $5,000.

If your emergency is small enough to allow you to limit the amount to a sum that you can repay within four weeks, you may qualify for a payday loan. You will receive a lump sum that you will repay in two or four weeks, so you need to make sure that you will have that amount of money in your checking account on your due date.

Our lenders are aware that you need loans for bad credit because you are experiencing an emergency, so they will not take any more time to approve your loan than is absolutely necessary. After they approve your loan, you will sign the papers, and the lender will deposit the funds electronically into your bank account. If you contact a lender early enough, you may even be able to have the money in your account that same day.

Bad Credit Loans


Short-term loans are supposed to have special purposes, they are designed for people to take it and use it for a short time. This type of loan is an emergency credit product, as the loan debtor receives cash in not big amounts. It is highly important to understand the main meaning of short-term loans, which are not intended to be used for a long time to solve the problem of constant lack of funding. In case, if the loanee wants to prolong the short-term credit, this type of credit product can become a very expensive product. - this is web service that is launched to bring together lenders and loan debtors. This online platform allows users to find suitable and relevant lenders. It is important to understand that this service cannot make any decisions regarding to taking or giving loans. You don’t need to pay for the services of the website, it is absolutely free option. Also, you can come on this platform with no purpose to contact lenders or take credit product, you can only view and see what we offer without paying for it. All information concerning to short-term credit products is available for visitors and users free of charges. On the website many lenders are represented, but it does not mean that this service is responsible for the business of these lenders and transactions between lenders and loanees. This web platform does not approve each particular lender and the actions of third parties. is not aimed at the collection, storage, sale and transfer of personal information, especially when it concerns the repayments of loans and other credit products.

Most states prohibit such loans when they are provided for a short period of time. On the Internet, there are many offers of lenders who are willing to provide loans of up to $ 1,000. The website does not give promises and guarantees that it provides each new customer with a reliable creditor, and users may receive short-term loans from third parties. Lenders may decide to check through some credit agencies to determine the credit status and creditworthiness of borrowers. They may also request official personal data for verification, such as a social security number, driver's license number, national identity card number and other documents. The terms of credit products and the amount of credit products vary from one lender to another. It also depends on many factors, including the applicant’s credit history, place of residence and credit status, etc. It should be noted that each lender sets his own limits, restrictions and certain conditions on his own and for each applicant individually.

APR Representative

The loan rate is called Annual Percentage Rate that is calculated once a year. The platform cannot provide information on the rates and terms of lending offered by lenders. We cannot provide you with an APR for loan products, since we are not lenders; they do not disclose these details of their business to us. The annual rate varies from one lender to another lender and depends on several factors, such as place of residence and consumer credit status. There are some additional fees that lenders may charge additionally, including fees for initiation, late payment, fines. They can also apply for fees for non-payment and charges for non-financial actions, including an overdue payment, tax and debt collection report. Lenders do not transmit information about any financial or non-financial actions to, so there is no information on this website about the claims and requirements of creditors to applicants. The loan agreement must disclose all details of payment and non-payment fees and commissions in a transparent manner. APR is one of the non-financial charges for a short-term loan product, which should be calculated as a one-time annual payment.

Consequences of Late Payment
In case you doubt that you can pay on time, you need to contact the lender and discuss with him the possibility of late payment. The lender decides what charges and penalties he imposes on late payment. There are some federal regulations regarding to late payment that may vary depending on the case. Loan agreement includes the details about the procedure and the cost associated with the late payment. Look through the all document before signing it.
Non-payment Consequences
Financial and non-financial charges and fees can be taken when lenders receive missed payment or non-payment. The loan agreement includes all the penalties of late payment and non-payment.

Fees and other financial charges for late payment are to specified in the loan agreement. Resumption and other actions regarding to non-payment may be taken in case of consent. All information about the renewals is drawn up in the loan agreement and is determined on a case-by-case basis. There are also some additional penalties and fees that you will probably have to pay in case of resumption.

There are plenty of procedures and methods of debt collection that can be done. Fair Debt Collection Practices Act regulates and establishes the procedure of implementation of debt collection actions. Federal laws adjust limitations and rules to defend applicants and to prevent unfair lenders’ actions against the consumers. Most creditors prefer not to use the outsourcing services regarding to debt collection, they solve debt disputes by their own.

Any financial delinquency concerning to late payment or non-payment can be transferred to credit bureaus, such as Equifax, Transunion, Experian, and others. Negative consequences may arise as a result of breach of the loan agreement. The credit status of the loanee will also be downgraded after the delay in payment. Lenders are not used to trust their funds to applicants with a low-reliable rating.