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Get approved for a $3,000 loan, even with bad credit

A $3,000 loan could be a few clicks away.

Editor's choice: Fast5kLoans Short-term Loans Connection Service

Fast5kLoans Short-term Loans Connection Service logo
  • Wide range of loan amounts
  • Variety of loan terms
  • Quick process
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When emergency strikes and you need $3,000 fast, there are several options available to you. Just watch out for high APRs.

Compare $3,000 loans

NameMax. Loan AmountTurnaround TimeRequirements
OppLoans Installment Loans$5,0001 business dayDirect deposit, meet minimum income requirements, live in eligible state
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Monevo Installment Loans$100,000Varies by lenderCredit score of 500+, legal US resident, ages 18+
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CashUSA Installment Loans$10,000As fast as same business dayRegular source of income, bank account, US citizen or permanent resident, age of majority in your stateRead review$10,000VariesDepending on lender requirements, people from all 50 states may not be eligible for a personal loan.
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NetCredit personal loans$10,5001 to 3 business daysVaries depending on your state of residence.
Depending on your state of residence, your personal loan might not be offered by NetCredit but through its partner lender, Republic Bank & Trust Company, Member FDIC.
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Am I eligible for a $3,000 loan?

You can generally get a loan if you:

  • Have a regular source of income
  • Have an active checking account
  • Are over 18

You don’t necessarily need to be employed to get a $3,000 loan, though it helps. As long as you have a regular source of income, you can typically find a lender. Don’t have a bank account? Check out our no bank account loans guide.

What types of loans should I consider?

  • Installment loans. These loans that you pay back over three to 12 months are available to all credit types and don’t require collateral.
  • Auto title loans. Own a car? You might be able to get a slightly better deal if you have bad credit and put your car’s title up for collateral with an auto title loan.
  • Secured personal loans. You can also use other items that you own to back a loan from a personal loan provider for more favorable rates and terms.

How to find the right lender

Ask yourself these five questions to pick the best lender to apply with:

  1. How quickly do I need the money? This can tell you whether to prioritize speed or cost.
  2. What can I afford? Figure out how much you can afford to repay each month and use that to weed out lenders.
  3. How is my credit? If you have a credit score below 600, your options are typically limited to installment or auto title loans.
  4. Am I employed? Some lenders require you to have a job while others accept any regular income like government benefits.
  5. How much does the loan cost? The easiest way to compare costs is to compare a loan’s APR, which includes both interest and fees.

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Can I afford a $3,000 loan?

Use our calculator to see how much your monthly repayments would be at different loan rates and terms.

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Benefits and drawbacks to consider


  • Repayment flexibility. A number of lenders allow you to make repayments according to how frequently you get paid. If you can repay your loan ahead of time without being subject to an early payout penalty, you can save on fees and interest.
  • Account access. Most lenders allow you to access your account online, while others also offer phone account access.
  • Apply with bad credit. Having bad credit doesn’t mean you can’t get a loan. Most payday lenders will consider you for a loan with less-than-perfect credit.


  • Higher interest rates and fees than standard loans. Interest rates for bad credit loans are noticeably higher than most other loan types, so you may want to explore other options first. Payday loans and installment loans also tend to come with higher interest rates compared to more traditional secured and unsecured personal loans.
  • Higher repayments. Since payday loans and installment loans are paid rather quickly, the payments will be high when compared to other types of personal loans that can stretch over years.
  • Disreputable lenders. If any offer seems too good to be true, it probably is. Ensure the lender you’re applying with has a solid reputation by reading independent reviews and checking with your local government.

How to find out if a lender is legit or a scam

How to get your loan application approved

While there is no definite way to make sure a lender approves your application, it could help your application to keep the following tips in mind. $3,000 of debt is nothing to take lightly. Be sure you also understand the risks and know what to watch out for before you apply.

Tips for a good application

  • Establish eligibility criteria. Make sure you have a chance of approval before you start your application.
  • Go through your credit report. Understanding of your credit history will put you in a better position to know what loans you can and can’t apply for.
  • Limit your applications. Submitting too many applications can negatively affect your credit score. Instead consider prequalifying with multiple lenders.

What to watch out for

  • Avoid taking out a loan you’re know you won’t be able to repay on time — this can start a cycle of debt.
  • Avoid simply picking the first lender you come across. You could save money on interest and fees by comparing multiple lenders. Remember to consider all costs, including penalty fees for late payments.

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Looking for a different type of loan?

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

Are payday loans available in your state?

Frequently asked questions about $3,000 loans

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2 Responses

    Default Gravatar
    LindaDecember 10, 2017

    Do I have to put bank information before getting approve rather do this once I am apptove??

      Avatarfinder Customer Care
      JoanneDecember 12, 2017Staff

      Hi Linda,

      Thanks for reaching out.

      There are lenders that require bank account information as bank statements can confirm your financial situation. Most lenders require applicants to have operational checking or savings accounts because this is where they can transfer funds electronically and payments are usually directly debited from there.

      To get additional information you may want to click on “go to site” or “more” for you to check on the eligibility requirements per lender.


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