Apply by ZIP
A low score can close doors at a bank. It doesn't automatically close this one — what matters most to lenders in our network is whether your income today can support the payment, not what happened to your credit a few years ago.
No obligation. No hard credit pull to check your options.
You've probably seen the word "guaranteed" attached to bad-credit loan ads before. We're not going to use it, and here's why: no lender — us included — can honestly promise approval before actually looking at your application. Anyone who claims otherwise is either exaggerating or trying to get something from you before you've even applied.
What we can say honestly is this: bad credit alone won't disqualify you. Every application in our network is reviewed on its own, weighing your current income and ability to repay far more heavily than a three-digit number from a bureau.
That's a smaller promise than "guaranteed," but it's the true one — and it's still a real shot if a bank has already said no.
Roughly how much different factors influence the decision — your credit score is on the list, just not at the top of it.
State, amount, income details — about five minutes.
Income and repayment ability first, credit score second. Soft check only, won't affect your score.
If there's a match, you'll see the rate and payment schedule before agreeing to anything.
Worth knowing about even if you end up applying with us.
If you're a credit union member, ask about hardship assistance — many offer reduced payment plans, the ability to skip a payment, or extended terms for members dealing with a job loss, illness, or unexpected setback. Worth a phone call before you take on new debt.
If someone you trust has stronger credit and is willing to share responsibility for the loan, adding them as a co-signer can sometimes open up better terms than applying alone.
Legitimate lenders never charge an upfront fee before releasing your loan. If someone asks for a "processing fee" or "insurance payment" before you see any money, that's not a real lender — walk away.
| Loan Amount | Repayment Term | APR |
|---|---|---|
| $500 – $5,000 | 2 – 24 months | Fixed, varies by state and credit profile |
Rates for bad-credit applicants tend to run higher than for strong credit, reflecting the lender's added risk — this is normal across the industry, not specific to us. Full detail on our Rates and Fees page.
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A straightforward loan marketplace built around clear terms and a fast decision — not fine print you need a lawyer to read.
This page is written and kept up to date by our in-house editorial team, so the language stays plain and the numbers stay current.
Final review is done by the site owner before publishing — questions or concerns can be sent through our Contact page.
Checking takes a few minutes and won't affect your credit score.*
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