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Compare easy-approval loans for people with bad credit or low income

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Need a loan? Find lenders who offer easy-approval.

If you’re in need of extra money but don’t think you’ll be eligible for a standard personal loan, you still have options. Lenders who offer easy-approval your credit and instead focus on your ability to repay.

This guide will help you determine if an easy-approval loan is right for you.

LendYou Short-term Loans

For fast cash: LendYou

Find a lender that offers cash advances between $100 and $15,000.

  • Min. Loan Amount: $100
  • Max. Loan Amount: $15,000
  • Turnaround Time: 1 business day
  • Must have regular income of $1,000/month and be a US citizen or permanent resident
  • No collateral needed
  • Bad credit is OK

    How do easy-approval loans work?

    Easy-approval loans work like other payday loans. They have short repayment periods, usually less than one month, and high fees because they help riskier applicants who have bad credit. Depending on your state and whether you apply in-store or online, you can receive your loan in as little as one business day after approval.

    Steps to making sure you’ll be approved

    Getting your loan application approved shouldn’t be a hassle or a nightmare, especially if you do the following:

    • Compare. Compare a range of lenders to find one who is affordable and meets your needs. If you’re not sure where to start, a loan broker might be an option.
    • Prep. Get all your supporting documents in order. Lenders usually want to make sure you have a functioning bank account and a steady source of income, but you’ll also need to include basic contact information in order to confirm your identity.
    • Apply. Complete your application, being as thorough as possible and providing as much information as requested. The more information you give, the more your lender has to work with when determining whether or not you’ll be approved.

    Remember, no matter how easy it is to apply to a loan, there is no guarantee that you’ll be approved. These steps should help you, but there’s always a chance you could be rejected.

    Comparison of loans with easy-approval applications

    Rates last updated February 17th, 2019
    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 Max. Loan Amount Turnaround Time Requirements
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    1 business day
    Must have direct deposit and meet minimum income requirements
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    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.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    1–2 days
    Must have an active checking account, regular source of income and email address.
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    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.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.

    Compare up to 4 providers

    What you need to know when comparing easy-approval loans

    The term “easy-approval loan” covers a wide range of lenders and loan types, but it’s important to realize the differences between them and know what factors matter when comparing your options. Below, we’ve listed some factors that you should consider when deciding where to apply.

    • What is the actual approval period? With an easy-approval loan, you can apply online and know if you’ve been approved within minutes. Storefront lenders will generally take a bit longer to process your application, but you’ll have the option of receiving your loan as cash or a check before you leave.
    • Is the loan secured or unsecured? If you’re able to provide collateral, an auto title loan offers lower interest rates than an unsecured loan. There’s no need for collateral when you apply for an unsecured loan, but they generally require you to have a better credit score.
    • What are the costs of the loan? Easy-approval loans usually have higher interest rates than standard loans due to the higher risk involved, which makes it even more important to shop around for one with a competitive rate in order to reduce the cost of borrowing.
    • Are there any payment penalties? Most easy-approval loans have late payment penalties that add on to the total cost of the loan. If you don’t think you’ll be able to repay the loan on time, it’s better to avoid borrowing in the first place.

    What are the benefits and drawbacks of these loans?

    • Loan amount. You can borrow as little or as much as you want once you’re approved.
    • Flexible eligibility criteria. An easy-approval loan doesn’t require the same type of credit as a traditional loan. Usually, you’ll only have to provide your income and personal information.
    • High costs. The main downside with an easy-approval loan is the higher fees and interest rates you’ll have to pay.
    • Not all lenders are reputable. Some lenders work to take advantage of people who need money. Do you research before you apply.

    Things to avoid with easy-approval loans

    • Avoid missing a payment. Not only can late payments cause you to owe more in interest and fees, a lender may choose to report you to one of the big three credit agencies. You’ll end up paying extra for the loan and damaging your credit at the same time.
    • Avoid skimming your loan offer. All loans are required to come with terms that outline how much you’ll be paying. Not reading the fine print on an easy-approval loan could expose you to unexpected costs.
    • Avoid taking on more debt than you can handle and exercise caution throughout the loan process. There are plenty of risks associated with easy-approval loans, and you should always confirm a lender is reputable before working with them.
    • Avoid high interest rates by comparing multiple lenders. Remember to consider all costs, including financing fees if applicable. Otherwise, you could be stuck paying double what you borrow.

    How to apply for an easy-approval loan

    Here are the basic eligibility requirements most lenders will want to know when considering your application.

    • Be at least 18 years old (varies by state)
    • Be a US citizen or permanent resident
    • Have an established credit history
    • Have a regular source of income
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    2 Responses

    1. Default Gravatar
      TimApril 30, 2017

      ive tried to get a loan everywhere and have been turned down,what can i do?

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