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

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.

OppLoans Installment Loans

OppLoans Installment Loans
  • Easy online application
  • Quick approval
  • Fast funding
  • Long repayment terms

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

  • Minimum loan amount: $500
  • Maximum loan amount: $5,000
  • Turnaround time: 1 business day
  • Loan term: 9 to 36 months
  • Must have direct deposit and meet minimum income requirements
Go to site

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 April 23rd, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
1 business day
Must have direct deposit and meet minimum income requirements
Installment loans with competitive rates from a top-rated direct lender.
1 to 2 business days
Must have an active checking account, regular source of income and email address.
Installment loans with repayment terms up to 30 months, depending on your state.
1 business day
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.
As soon as next business day
Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.
Get an installment loan from an online tribal lender. Perks for returning borrowers.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
An online connection service for quick cash loans.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Apply for a short-term loan with an easy online application and dedicated customer service.

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


  • 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 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
30 days
2 months
3 months
6 months
9 months
12 months
24 months

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.

    • finder 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.


US Payday Loans Offers

Important Information*
CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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