Find a loan for $2,000

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

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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.

Our top pick: OppLoans Installment Loans

  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Turnaround Time: 1 business day
  • Loan Term: 9 to 36 months
  • Requirements: Direct deposit, meet minimum income requirements
  • Easy online application
  • Quick approval
  • Fast funding
  • Long repayment terms

Our top pick: OppLoans Installment Loans

Comes with the option to change your due date so you won’t fall behind on repayments.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Turnaround Time: 1 business day
  • Loan Term: 9 to 36 months
  • Requirements: Direct deposit, meet minimum income requirements
Promoted

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 up you chances of approval for a $2,00 loan by putting up collateral.

Compare $2,000 short-term loans

Updated November 17th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$1,200
As soon as the next business day
Regular source of income received biweekly or semi-monthly, Missouri or Utah resident, checking account with automatic deposits, not a military service member
Borrow up to $1,200 — but only if you live in Missouri or Utah.
$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.
$5,000
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
$2,600
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
$50,000
Same business day to 1 business days
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
$15,000
Same business day to 1 business days
$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.
$10,000
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
$500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.

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 ad-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 of 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

Pros

  • 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.

Cons

  • 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 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.

What type of loan are you looking for?

Fixed Term

Fixed Amount

7 days Picture not describedcheckmark $1,000
30 days Picture not describedcheckmark $1,500
2 months Picture not describedcheckmark $2,000
3 months Picture not describedcheckmark $3,000
5 months Picture not describedcheckmark $4,000
6 months Picture not describedcheckmark $5,000
12 months Picture not describedcheckmark $10,000
24 months Picture not describedcheckmark Compare more

Frequently asked questions about $2,000 loans

Are payday loans available in my state?

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2 Responses

  1. 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.

      Cheers,
      Harold

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