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Bad Credit

We can connect you with lenders often times even if your credit is bad.  Finding loans with bad credit is not often easy. This is because there are usually a lot of hoops to jump through, from the different lenders, to see if you qualify. We are here to simplify the process. Once you submit your information online with us, we connect that with lenders we work with. The process can take two to five minutes and most decisions are fast. We aim to streamline the process and make it easier for you.

We Partner with 100+ Lenders

When you have bad credit, most lenders see you as a high-risk when it comes to repaying the money you have borrowed. Because of the higher level of risk, there are often more fees associated with each of these loans, which can make deciding on what lender to go with a difficult task. Our company connects you with one of numerous lenders from our network. We simplify the process and your lender can fund the loan as fast as the next business day.

What Kind of Interest Rate to Expect

Paying back a loan requires that you pay back the principal plus interest. The interest rates that you pay are determined heavily on your credit score. When you have bad credit, you can generally expect to pay a higher interest rate than someone with good credit. Many loans fall under the category of an installment loan. An installment loan is a loan for a set amount of money that is to be repaid with interest in a series of fixed monthly payments. It is known as “closed-end” credit. The money can be used for a specific purchase such as an emergency expense, a car, or consolidating debt. While your credit score plays a big part in determining your eligibility (and your interest rate), personal installment lenders tend to look at other factors as well. Interest rates for these type of loans generally range from 5.99% up to 35.99%. With a poor credit score, you can typically expect to pay on the higher end (sometimes even more) of this range.

When desperate, many people turn to payday loans or short-term loans. These loans are meant for smaller amounts of money (typically $500 or less), and are meant to be paid back on your next paycheck. While they are enticing for their ability to get you the money you need fast, their interest rates are incredibly high. You can expect to pay upwards of 400% (sometimes higher) on these types of loans.

How You Can Help

When you have poor credit, there are a few things you can do to help secure the loan you are wanting or needing. One of those things is do your best to try and make payments on time as often as you possibly can. The more on-time payments you have, the better your overall credit will look to lenders. Another thing you can do is to open a secured credit card before getting the loan. If you put a little bit on the card each month, it shows up as good payments on your credit report. The more positives lenders can see on your report before deciding on the loan, the better off your loan terms are likely to be.

When you need a loan with bad credit, there are options.  We can help simplify the process. Get the loan you need with our help, in no time at all.

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