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Bad credit payday loans

Do you have bad credit but still need a loan? There are options available.

If you have a low credit score, trying to find a loan can be difficult. Minimum credit score requirements can put conventional loans from banks out of your reach, but there are short-term loans for people with bad credit you can apply for.

Find out your options in our guide below.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    How can I get a loan with bad credit?

    Short-term lenders are more concerned with your ability to repay than with your credit history. Applying for one of these loans is simple. Either go online to a lender website or visit a storefront near you. The applications are usually quick, and when you’re approved, you can have your funds in as little as one business day.

    Keep in mind these crucial steps before you apply to save yourself time and money.

    • Compare your options. There are quite a few options available so it’s important to compare them and find the one that best fits your needs. You’ll want to look at the loan amount, repayment terms and the total cost in order to find a loan that meets your needs.
    • Review the eligibility criteria. While these lenders do accept applicants with bad credit, they still have criteria that needs to be met. Check the minimum age, income and residency requirements to avoid being rejected.
    • Only apply for how much you can afford. Although lenders can’t offer you more than you can pay for, the terms may still be difficult if the repayment period is short. You should determine what you can manage and find a loan that works with your budget.
    • Budget to cover your payments. When you’re approved for a loan, your repayments will generally start on your next payday so make sure you’ve budgeted to cover the added expense.

    A selection of loans you can apply for with bad credit

    Here are some loan providers that you can apply to. Note that the maximum loan amount is based on the lender’s maximum amount and will vary based on your state of residence. Check the websites of any providers you’re interested in to confirm they operate in your state.

    Rates last updated October 22nd, 2017
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    7–30 days
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    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.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    Varies by state
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    ACE Cash Express Payday Loans
    Quick short term, installment and title loans come with no prepayment penalty and a 72-hour satisfaction guarantee.
    Varies by state
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    A selection of lender-matching services you can apply with

    These lender-matching services are not lenders, loan brokers or agents for any lender or loan broker. They focus on trying to match you with a lender that might be able to provide you the funds you seek. Note that the maximum loan amount is based on the lender’s maximum amount and will vary based on your state of residence. If you proceed with one of these services, confirm that the lender is reputable by checking with your local government.

    Rates last updated October 22nd, 2017
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
    Bad Credit Loans Personal Loans
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    3 to 60 months
    Varies based on lender
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
    TriangleCash Payday Loans
    If you have bad credit or no credit history, apply to be matched with a network of lenders for funding at rates that vary by state.
    $1,000
    Varies based on lender
    As soon as next business day
    You must be a US citizen, at least 18 years old, and have a valid bank account.
    Slam Dunk Loans
    Potentially get approved for a short-term loan through this lender-matching service, even with poor credit history.
    $2,500
    Varies by lender
    As soon as next business day
    Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
    SWIFT Payday Loan
    Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
    $1,200
    Varies by lender
    Next business day
    Must be at least 18 years old and employed or have regular income.
    LoanSolo.com Payday Loans
    Get matched with a legit lender offering convenient payday loans and quickly get funds.
    $1,000
    Varies by lender
    As soon as one business day
    You must be 18+ years old, legally work and live in the US, have a bank account in your name and be employed with sufficient income.
    ExtraLend.com Installment Loans
    This free and simple service matches you with online lenders offering installment loans.
    $3,000
    Varies by lender
    As soon as one business day
    Must be at least 18+ years old, legally work and live in the US, have a bank account in your name and be employed with sufficient income.
    iCashLoans.com Short Term Loans
    Potentially get a loan through a network of 100+ lenders. One simple online application.
    $1,000
    Varies by lender
    Varies by lender
    Be employed, have a bank account in your name and income of at least $1,000 per month.
    CashAdvance.com Payday Loans
    Whether for emergencies or unexpected expenses, this broker may be able to match you among its nationwide network of lenders.
    $999
    Up to 12 months
    1–2 days
    You must be at least 18 years old with take-home monthly income of at least $1,000 after taxes.

    Compare up to 4 providers

    What are the benefits and drawbacks of a bad credit payday loan?

    When taking out a short-term loan, consider these points before applying.

    • Easy online application. You can compare lenders online and submit your application within minutes. There’s no need to visit a physical branch or fax copies of your paycheck.
    • Quick turnaround. When you apply online, you can have your loan deposited into your bank account in as little as one business day.
    • Disreputable lenders. Not all lenders follow state laws. Check to make sure yours is licensed and isn’t a scam.
    • Short repayment terms. Payday loans are known for being costly because of their quick repayment schedule. Be sure you can comfortably afford payments before you apply.

    Amanda's emergency car repair

    woman car breakdownAmanda’s car broke down on her way to work. She took the morning off to visit the mechanic, who estimated her repair costs at $250. As a shift worker, she had already missed out on that morning’s pay and her paycheck wasn’t due to come until the following week.

    She needed her car repaired to get to work, but with her low credit score, she wasn’t eligible for a personal loan.

    Instead, Amanda looked at how much a bad credit payday loan would cost her. There was room in her budget for the high fees, and since she was going to be paid soon, Amanda knew she could afford it. By the next day, she had enough to pay for the repairs and was able to pull an extra shift to make up the difference.

    What other options do I have for a loan?

    Depending on what you need the loan for and how much you want to borrow, there are other loan options available:

    • Auto title loan. If you have a car, you could get an auto title loan. The loan is secured against the title, so you can get a lower rate while still being able to drive your vehicle as you repay the loan.
    • Installment loan. These loans are similar to short-term loans, but they are repaid in installments over a longer term. These loans could be an option for you if short-term loans are banned in your state.

    Didn’t find a loan that fits your needs? There are alternatives.

    How to apply

    Once you find a lender, make sure you’re eligible for the loan by reading our review pages.

    Eligibility criteria:

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    14 Responses

    1. Default Gravatar
      AliciaAugust 17, 2017

      How can I get a loan with bad credit and no bank account. I get SSI monthly on a debit card direct deposit.

      • Staff
        ArnoldAugust 18, 2017Staff

        Hi Alicia,

        Thanks for your inquiry.

        No bank account? No problem. Get a loan without a checking or savings account. Please check out this page.

        Hope this information helped.

        Cheers,
        Arnold

    2. Default Gravatar
      PatriciaJuly 24, 2017

      I don’t have a bank account, but I have a prepaid debit card all I need is $100.I do recieve SSI each month, I have direct express. Can I please get help with a loan

      • Staff
        HaroldJuly 24, 2017Staff

        Hi Patricia,

        Thank you for your inquiry.

        You may want to consider a prepaid debit card payday loans. You can loan from a minimum amount of $50, but please keep in mind that the max loan amount may vary depending on the lender. You can review and compare your options here.

        I hope this information has helped.

        Cheers,
        Harold

    3. Default Gravatar
      SueJuly 10, 2017

      Is it possible to get a loan after bankruptcy without waiting 2 yrs

      • Staff
        HaroldJuly 10, 2017Staff

        Hi Sue,

        Thank you for your inquiry.

        During your bankruptcy or after you’re discharged, you may find yourself in need of a loan. But are there lenders who’ll be willing to consider you for a second chance. You may want to consider the options available here.

        I hope this information has helped.

        Cheers,
        Harold

    4. Default Gravatar
      MarthaJuly 8, 2017

      I have a job..my money is on a card from my job..I DO NOT HAVE MT OWN PERSONAL Account with this company except a prepaid card separately from this job..but I would prefer for the money to come from my jobs Debit card account set up from me to guarantee that the pay day loan is paid weekly from my job…can I get a loan with this information? Please help me to stop putting in all my personal information to these loan companies please.

      • Staff
        AnndyJuly 8, 2017Staff

        Hi Martha,

        Thanks for your question.

        The lenders on this page may consider you for a loan even if you don’t have a personal bank account.

        Before submitting your application, kindly review the eligibility criteria of the loan and check with the lender if the particular prepaid card you have meets their criteria.

        Cheers,
        Anndy

    5. Default Gravatar
      SandraJune 12, 2017

      I need a loan without a checking account I have a prepaid card.

      • Staff
        HaroldJune 15, 2017Staff

        Hi Sandra,

        Thank you for your inquiry.

        Most lenders require that you have a checking account, as this makes it easy to check your credentials. However, you can find some lenders that offer cash loans to customers without bank accounts. You can check the list of offers here.

        I hope this information has helped.

        Cheers,
        Harold

    6. Default Gravatar
      JerryApril 30, 2017

      I have a tax garnishment on my pay check with approximately $900 left to pay.how can I get a small emergancy payday loan on a New Visa gold card or new netspead Master card Debit card with no checking account

      • Staff
        HaroldJuly 5, 2017Staff

        Hi Jerry,

        Thank you for your inquiry.

        Here’s how you can get an emergency loan.

        I hope this information has helped.

        Cheers,
        Harold

    7. Default Gravatar
      TerryApril 24, 2017

      Where do I get a loan with no bank account or with a prepaid card from Rush?

      • Staff
        HaroldJuly 6, 2017Staff

        Hi Terry,

        Thank you for your inquiry.

        Here’s an option where you can check the list of lenders that allow’s borrower even without a bank account.

        I hope this information has helped.

        Cheers,
        Harold

    US Payday Loans Offers

    Learn about our information service
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-matching service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    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.