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Find a loan for $2,000

Get a $2,000 loan — even with bad credit.


Editor's choice: OppLoans Installment Loans

  • Easy online application
  • Quick approval
  • Long repayment terms
Go to site

You have several options when you need to cover a $2,000 emergency regardless of your credit score. But watch out: Some bad credit options come with high rates and fees.

Where can I get a $2,000 loan?

  • Short-term lender. Online installment loan providers often offer fast $2,000 loans with terms from three to 12 months to all credit types.
  • Auto title lender. Own a car? You can get a 30-day loan or installment loan of $2,000 in as fast as 30 minutes even with bad credit by backing it with your car’s title.
  • Your credit card. You can get a credit card cash advance of $2,000 as fast as you can get to the ATM, often with better rates than a short-term loan.
  • Personal loan provider. If you have mediocre credit, you can often increase your chances of approval for a $2,00 loan by putting up collateral.

Compare $2,000 short-term loans

Compare your loan options to find the right provider for your needs.

Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $4,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Monevo Installment Loans
$500 to $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
Fig Loans Installment Loans
$200 to $800, varies by state
As soon as the same business day
3 months of direct deposits, $1400 per month income, positive bank account balance
Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.

Compare up to 4 providers

How to get a $2,000 loan with bad credit

  1. Compare lenders. Use the comparison table above to find a lender that you can qualify for.
  2. Fill out the application. If you find a lender you like, click the Go to Site button and follow the instructions to complete the application.
  3. Get an offer. If you’re approved, you can typically get an offer in a few minutes. Review your offer to make sure it’s something that you can comfortably afford.
  4. Read and sign the contract. Make sure you understand what you’re signing and watch out for unnecessary add-ons like insurance.
  5. Get $2,000 deposited into your account. If you apply online, often you can get your money as soon as the next business day.

Eligibility checklist

You can generally get a loan if you:

  • Receive regular income
  • Live in an eligible state
  • Are a US citizen or permanent resident
  • Are over 18

You might also need to have an active checking account to qualify for an installment loan and some title loans. Some lenders also require you to have a job.

How much does a $2,000 loan cost?

It depends on what type of loan you’re applying for and your credit rating. But bad credit loans are often expensive. Installment loans often come with APRs over 100% and title loans tend to have rates over 300%.

However, installment loans also tend to have longer terms, which gives more time for interest to add up. Use the calculator below to see how much a $2,000 loan at different rates and terms.

What you need to know when comparing $2,000 loans

How you compare your options largely depends on whether you’re applying for a payday loan or a standard $2,000 personal loan. Below, we’ve broken down what you need to know.

  • What is the APR? The APR is an expression of a loan’s rates and fees
  • What is the term of the loan? Go for the shortest loan term you can afford to save on interest.
  • What are the fees and charges? Lenders may charge financing fees or monthly fees in addition to the interest rate.
  • What is the reputation of the lender? Check borrower reviews on sites like Trustpilot and complaints with the Consumer Financial Protection Bureau or Better Business Bureau.

How do you know if a lender is legit?

How to increase your chances of being approved

While there is no definite way to make sure a lender approves your application, it could help your application to keep the following in mind:

    • Establish eligibility criteria. You can’t get approved for a loan if you don’t qualify.
    • Go through your credit report. Some credit reports
    • Limit your applications. Every time you apply for a loan, it counts as an inquiry on your credit report, which lowers your score.

Factoring in your repayments. It’s important that you have a fair idea of what your repayments will look like before you apply for your $2,000 loan.

Once you know how much you have to repay, take into account your existing salary and expenses and then determine if you can afford to make the repayments. You can use a loan calculator to find out how much you might have to repay weekly, biweekly, or monthly.

The pros and cons of $2,000 payday loans


  • The opportunity of flexible repayments. Flexible repayment options let you line up your repayments in accordance to when you get paid. By making extra repayments, you can repay the loan ahead of time.
  • Online presence simplifies the process. If a lender is online, the entire process can be streamlined. You will usually be given multiple options during the application process to submit documents, information and track your application’s progress.
  • Bad credit is OK. People who have bad credit can find it difficult to be approved for loans, but there are a multitude of $2,000 loan options available for those with bad credit.


  • Higher fees. Payday loans attract higher fees due to the risk the lenders are taking on. It’s important to consider whether you can afford the loan before you apply.
  • Short loan terms and repayment schedules. Most cash advance and payday loans require that you repay the entire amount in a few weeks or months, resulting in high repayments.
  • Predatory lenders. Some lenders can be disreputable and set unfair terms, so it’s important to do your research and apply for a loan with a reputable lender.

What to know before taking out a cash advance

There are a few things you should know about cash advances in order to make the right decision for you and your family. First, you should generally only take out a cash advance in emergency situations because this type of loan is typically a short-term, one-time solution. If you have structural financial problems that cause you to have difficulty repaying debts, you should consider credit counseling.

Second, you’ll want to make sure you can repay your cash advance in a timely manner. Missing the due date on your repayment will result in additional charges. Avoid digging yourself into a deeper financial hole by taking on debt you can’t afford.

Third, before accepting a cash advance, be sure to read the lender’s terms and conditions carefully. It’s important to read the fine print so you know exactly what you are paying and when it is due.

What to avoid

When you look for a $2,000 loan, bear in mind that it can come with associated risks:

  • Avoid taking on more debt than you can handle and exercise caution throughout the loan process.
  • A short repayment period and high fees translate into high repayments.
  • You can avoid high interest rates by comparing multiple lenders. Remember to consider all costs, including financing fees if applicable.

Will a late payment on a loan affect my credit?

While not all lenders report to the big three credit agencies that handle credit, some might choose to report late or missing payments. This is at the discretion of the lender.

If you know your payment will be late, contact your loan provider and inform them. Usually, the lender will be willing to extend the payment deadline and find ways to help you through difficult financial times.

What type of loan are you looking for?

Fixed Term

Fixed Amount

7 daysPicture not describedcheckmark$1,000
30 daysPicture not describedcheckmark$1,500
2 monthsPicture not describedcheckmark$2,000
3 monthsPicture not describedcheckmark$3,000
5 monthsPicture not describedcheckmark$4,000
6 monthsPicture not describedcheckmark$5,000
12 monthsPicture not describedcheckmark$10,000
24 monthsPicture not describedcheckmarkCompare more

Frequently asked questions about $2,000 loans

What happens after I submit my application?

This varies depending on the loan you apply with. Most lenders will email you once your application has been processed letting you know whether your loan was approved or denied.

If I’m unemployed, can I still get a $2,000 loan?

You still might be eligible for a loan if you’re unemployed. Keep in mind that lenders will need to see evidence of your ability to repay the loan and manage repayments. This could include unemployment benefits issued by the state.

Can I repay my loan early?

This depends on the individual lender. When reviewing your loan contract, be sure to voice this question as some payday loan lenders charge extra fees for early repayment.

How long will it take for me to receive approved funds?

Funds are usually deposited into your bank account on the next business day. It ultimately depends on the lender and your bank.

Is having a checking account necessary?

Most lenders require applicants to have operational checking or savings accounts where they can transfer funds electronically.

Are payday loans available in my state?

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2 Responses

    Default Gravatar
    SmokeyMay 30, 2017

    How or where would I have to go to apply for a $2000 loan with a reasonable amount of time to pay it off. It’d have to be exceptional as I am on disability O.D.S.P government ingcome.

      Avatarfinder Customer Care
      HaroldJune 21, 2017Staff

      Hi Smokey,

      Thank you for your inquiry.

      You can go to the section where it says “Compare lenders offering $2,000 short term loans”. Next follow the steps listed below.
      1. Select your credit score
      2. Select the state based on your permanent address
      3. Review the offers
      4. Once you have decided which lender you are going to apply you can go ahead and click the “go to site” button for further instructions and details.

      I hope this information has helped.


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