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Bad Credit Loans

“Bad credit” usually refers to 579 and lower FICO credit score. And it may be hard to get a loan from a bank or credit union in this situation. So, there exist bad credit loans specially designed for borrowers with not a perfect credit history. You may apply for a bad credit loan online or in a store near you from a direct lender or broker. The amounts and terms of bad credit loans don't differ much from ordinary cash advances but the rates may be a bit higher to make up for the lenders' risk. If you have bad credit score and need urgent funding, consider the types of bad credit loans below.

Personal Loans for bad credit

Personal Loans are usually offered in large amounts up to $35000 and most lenders don't want to risk such sums and prefer borrowers with a good credit. But it's still possible too find a company providing bad credit Personal Loans. Your credit rating is not the main indicator of whether you’ll repay your loan. Your income is regarded as a more important factor. The easiest and fastest way to find such a lender is to pre-qualify for the necessary amount online and compare the offers you get. Consider the rates you are offered and choose the most affordable loan. If you pay it back on time you can even improve your score.

Installment Loans for Bad Credit

Installment Loans for Bad Credit don't differ from Personal Loans in terms of repayment and application process. But they come in smaller amounts of $1000 - $5000. Repayment terms vary from a few months to a few years and represent scheduled equal installments, usually monthly. Bad credit is not a problem to get approved for an Installment Loan both online and in-store. Provide a proof of your income and if you are a US resident and have an active banking account, you have all the chances of getting the funds in 1 or 2 working days.

Payday Loans for Bad Credit

Bad credit Payday Loans Online differ greatly from Personal Installment Loans by small amounts up to $1000 and short terms from 14 to 30 days. Due to small amounts online Payday Loans are much more available for borrowers with poor credit score. Lenders don't risk much providing $300, $500, $700 cash advances. That's why at times of emergency most Americans apply for online Payday Loans. The requirements are very simple including just the age, residence and income of an applicant. And in 98% of cases when you apply for a short-term cash advance, you get approved for the necessary funds.

Online Title Loans for Bad Credit

Car Title Loans are a secured type of financing where you use your vehicle's title as collateral. It makes the lender sure that you will be able to repay the money. They don't need to check your credit history. Neither do they require a perfect credit score. So, if you own a car, don't hesitate to apply for a Title Loan online to get the money in minutes.

Bad Credit Loans Guaranteed Approval

You can often hear about loans with guaranteed approval. You may think it's a lie and you'll be right to some extend. But on the other hand, besides being a part of advertising, guaranteed approval for bad credit loans online is true. It means you have great chances to get the money if you apply for a bad credit cash advance. You just need:

  1. find a suitable lender which specializes in such services;
  2. fill out a loan request form;
  3. get an instant decision;
  4. if you meet the simple requirements, get approved;
  5. receive the funding same day or as soon as tomorrow.

Online Loans for Bad Credit

Though bad credit loans can be obtained both online and in-store, it's natural that the first option is much faster and more convenient. You don't have to leave home, drive or wait in lines, do any paperwork, etc. All the process is 100% online:

  • application
  • verification
  • approval
  • money deposit.

Online bad credit loans are available 24/7 and give you an opportunity to compare nuerous offers and choose the best one.

Bad Credit Loans near me

Prefer individual fae-to-face service? Consider bad credit loans in a store near you. After you surf the Net and find a suitable lender, check out the locations where the company's loans are available in a store. Find the addresses, phone numbers, e-mails, rates and terms, etc. If you like what you see, pre-qualify online to check whether you are eligible for the cash advance you need. Prepare all the neessary documents a proof of your income, ID, SSN, etc.) and visit the store. One of the main benefits of borrowing from a physical location is getting the money same day.

Unsecured Bad Credit Loans

Unsecured bad credit loans are a type of emergency cash advance that can be applied for by the borrowers with both good and bad credit and that don't require any guarantor or collateral. 300 - 629 FICO score is not a problem to get approved for such a loan. You pre-qualify online and are sure to find a lender that will provide you with the necessary funds the same day or within  1 - 2 business days.

Still, interest rates on unsecured bad credit loans may be higher as they are twice as risky as traditional loans. Firstly, a lender can't be sure that you will pay off the money on time, secondly, the loan is not backed by any collateral which could be used as a compensation. So you'd better compare the options, including alternatives to borrowing.


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