MoneyMutual
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ZippyLoan
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LifeLoans
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Amount: $100 - $40,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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VivaLoan
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NextDayPersonalLoan
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MarketLoans
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Upstart
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Amount: $1,000 - $50,000
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Min. Credit Score: 300
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APR: 4.6% - 35.99%
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Approval: 1 Day
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Terms: 3 - 5 Years
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OppLoans
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Amount: $500 - $4,000
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Min. Credit Score: 0
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APR: 59% - 160%
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Approval: < 1 Day
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Terms: 9 - 18 Months
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We recommend alternative payday loans for those with really bad credit who can't qualify for a personal loan. These companies are more expensive than personal loans but much better than payday loans. The company offers loan amounts ranging from $500 to $4,000, with APRs that range from 59% to 160%. Loan duration range from 9 months to 18 months, but people can choose to give their money back in a month. OppLoans charges zero prepayment penalties. Their loans are unsecured, which means no upfront collateral is required, and as you continue to make on-time payments, you build your credit score in the process. Moreover, if your loan is approved, you can receive funds in as little as one business day.
Pros:
- Quick approval process.
- Those with poor credit can still qualify.
- OppLoans offers installment loans.
- Loans are unsecured and do not require any collateral.
- There are no prepayment penalties.
- OppLoans offers refinancing options to select borrowers.
- Alternative loan sites like OppLoans have lower APRs than payday or car title loans.
- No origination fees.
Cons:
Best for: Really Bad Credit
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OppLoans is alternative payday loan. Alternative payday loans approve people with really bad credit, who can’t qualify for a personal loan. Alternative payday loans are times cheaper than traditional payday loans!
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BadCreditLoans
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Amount:
$500 – $10,000
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Min. Credit Score:
0
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APR:
5.99% – 35.99%
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Approval:
< 1 Day
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Terms:
3 – 36 Months
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When we talk about bad credit loans, BadCreditLoans.com should always be at the top of our list! And there is a good reason for that. BadCreditLoans have helped millions to get personal loan, while so many people are still paying insane interest on their payday loans. BadCreditLoans.com is a leading company helping people with really bad credit. They are NOT payday loan company!They are huge marketplace connecting people with bad credit with lenders offering UNSECURED bad credit loans. The company offer loans of $500 to $10,000, APR 5.99% to 35.99%. And bad credit is always approved ... in less than a day. In fact this is the most successful personal loans company for bad credit that we at ElitePersonalFinance know. Whether you want to get bad credit loan or refinance your existing payday loans with one cheaper loan, try BadCreditLoans.com .
Pros:
- The Best in The Bad Credit Business!
- Easy and fast approval.
- Unsecured loans.
- Those with really bad credit get approved.
- APRs in the personal loan range which means less than 5.99% to 35.99%.
- Not a payday loan company.
- Amount of up to $10,000.
- Huge lending network.
- Free to register and no obligation to accept any offer.
- Minimum credit score required is 0.
- No hard inquiry on your credit score, so registering won't lower your credit score.
Cons:
- For those with really bad credit, expect high APRs ranging from 15% to 35.99%.
- People with really bad credit can’t qualify for the highest amount of $10,000, they can expect up to $1,500.
- Not all loans get approved.
Best for: Really Bad Credit
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CashUSA
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Amount: $1,000 – $10,000
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Min. Credit Score: 0
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APR: 5.99% – 35.99%
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Approval: < 1 Day
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Terms: 2 – 5 Years
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Designed specifically for those with bad credit, CashUSA offers installment secured personal loans for people with bad credit. APRs range from 5.99% to 35.99%, but even if you have bad credit, putting a collateral to your loan can lower the APR as low as 10%. CashUSA offers loans up to $10,000, but – according to their website – the amount can be increased under certain conditions. But remember, if you fall behind on your payments, there is a chance you could lose your car. We only recommend secured loans if you’re sure you can repay the debt on-time and in-full.
Pros:
- Easy approval.
- Those with really bad credit can still be approved.
- The company applies personal loan APRs ranging from 5.99% to 35.99%.
- People with bad credit get as low as 10% APR.
- Borrowing amounts can exceed $10,000, but you have to speak with them directly.
Cons:
- Secured loans put you at risk of losing your collateral.
- Bad credit means a higher APR; although it’s still much lower than a traditional car title loan.
Best for: Secured Personal Loans
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Best Personal Loans for Bad Credit of January 2025
Wait! Are you sure that your credit score is so bad? People with bad credit get approved on personal loans with APR between 15% to 35.99%. Try them before you apply for alternative payday loans.
BadCreditLoans
$500 – $10,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
ZippyLoan
$100 - $15,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
NextDayPersonalLoan
$100 - $40,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
CashUSA
$1,000 - $10,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
Upgrade
$1,000 - $50,000
Min. Credit Score: 560
< 1 Day Approval
Apply Now
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WhiteRockLoans
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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PickALender
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LifeFunds
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Amount: $100 - $50,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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PersonalLoans
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Amount: $1,000 – $35,000
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Min. Credit Score: 580
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APR: 5.99% – 35.99%
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Approval: < 1 Day
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Terms: 90 Days – 72 Months
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PersonalLoans offers unsecured loans ranging from $1,000 to $35,000, and because the company only requires a minimum credit score of 580, PersonalLoans is a great place to obtain a bad credit loan. Its APRs range from 5.99% to 35.99%, but to qualify, you need to have some form of recurring income. It can be full-time employment, self-employment, regular disability or Social Security benefits. Keep in mind though, loans are not available to residents in Arkansas, Georgia or New York.
Pros:
- Low credit score requirements of 580.
- Low income requirement of $1,000.
- Bad credit is ok.
- Highest amount allowed is $35,000.
- Available in many states.
Cons:
- People with really bad credit can’t apply.
- You can’t have an account with a late payment for longer than 60 days or a recent bankruptcy.
- You can’t have any recent charge-offs or late payments.
Best for: Bad Credit
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FastLoans
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QuickLoanLink
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Amount: $100 - $35,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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PlatinumCashLoan
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Amount: $100 - $1,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 12 months
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LoanServiceUSA
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CashAdvance
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Amount: $100 – $1,000
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Min. Credit Score:
0
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APR: Vary By State
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Approval: < 1 Day
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Terms: 7 days - 12 months
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See also:
Best Auto Loans for Bad Credit of January 2025. Up to $500,000, APR start at 1.99%.
Best Student Loans for Bad Credit of January 2025. Up to $500,000, APR start at 1.99%.
Best Mortgage Rates for Bad Credit of January 2025. Up to $1,000,000, APR start at 1.99%.
Best Business Loans for Bad Credit of January 2025. Up to $10,000,000, APR start at 5.99%.
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NavyFederal
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Amount: $0-$50,000
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Min. Credit Score: None
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APR: 8.19-18.00%
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Approval: Vary 1-180 Months
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Terms: -
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Navy Federal is one of the largest credit unions in the United States. Do you know that credit unions approve people with bad credit? Their APR is capped at 18%, which is not bad at all. Some credit unions have payday loan alternative of up to 28%. Review our list of credit unions >>
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SuperMoney
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Amount: $1,000 - $100,000
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Min. Credit Score:
0
but 620 is Recommended
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APR: 4.99 - 35.99%
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Approval: 1 Day
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Terms: 12 - 120 months
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There are plenty of services in the marketplace, however, SuperMoney is the best! This company works with thousands of loan companies, lenders credit unions and so on, so finding you a loan will be easy. And they work different. Instead of getting your personal details and sending is to list of their lenders, like other companies do, SuperMoney will ask you to complete their form one time and directly list you offers that are available to you. There is a big difference because you directly get personalized offers based on your financial situation and your personal information is not send to list of lenders, like other sites do. After that, you can pick the best for you. Click offer details below each and you will find all of the information you need to know regarding APRs, repayment terms and fees. Best of all, the service is completely free and requires no obligation.
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GazelleLoans
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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247Installment
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Amount: $100 - $35,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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FastLoansGroup
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Amount: $100 - $50,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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CreditExpressTrust
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Amount: $100 - $35,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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ICashLoans
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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GetFundsQuickly
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Amount: $100 - $50,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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247DollarLoan
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Amount: $100 - $1,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 12 months
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NoProblemCash
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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BetterLoansMutual
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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BrightenLoans
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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DollarLoanClub
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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247FastFunds
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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ClearViewLoans
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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LendingforBadCredit
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Amount: $100 - $40,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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NetLoanExpress
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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RubikLoan
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Amount: $100 - $5,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 36 months
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OpportunityLoans
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Amount: $100 - $40,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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HonestLoans
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Amount: $100 - $50,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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Loans
Bad Credit Loans
Debt Consolidation Loans
Auto Loans
Alternative Payday Loan
