Personal Loan for Bad Credit

$500 to $5,000


Bad Credit Loans | Personal Loans for Bad Credit For Bad and So-So Credit
Credit Score: Less than 650

Online Approval

Funds in 1-72 business hours

Flexible 2 to 36 month terms

APRs from 12.00 to 450.00%


arrow Bad Credit Loans - Fast
arrow Not a Payday Loan
arrow Bad Credit Personal Loans
arrow Installment Loans
arrow Receive $500 - $5,000
arrow Funds in 1-72 Business Hours
arrow Apply 24/7 365 Days a Year
arrow Flexible Repayment Terms
arrow 8,560 Bad Credit Loan Sources
arrow No Obligation Application
arrow Online, Safe, Secure, Private




Pair-o-Meter
With each question answered, the Pair-O-Meter will adjust the accuracy level, and likelihood of being paired, based on the information you've given.


Bad credit personal loan Pair-O-Meter

Application

Preferred Amount
Preferred Term
Preferred Rate
Based on your entries above...
Amount
Financed
 

Total of
Payments
 
Loan
Term
 

Finance
Charges
 
Monthly Payment
 

 
APR
 
I certify that I am a U.S. Resident over the age of 18. I agree to the Privacy Policy and Terms of Use

Complete our secure form

Choose a loan source

Complete your application
using the on-screen instructions


Funds deposited into your account

Anonymously learn if you'll likely be paired with a personal loan for bad credit source by completing our short, simple form. No personally identifying data is collected. All fields except your state of residence are optional, but the more information provided, the better we can pair you with the right loan source for your unique situation. With each question answered, the Pair-O-Meter will adjust the accuracy level, and likelihood of being paired, based on the information you've given.

Personal Loan Requirements
Have an open checking or savings account
Have state or federally issued identification
Monthly income (before taxes) of $1,000+
You must be 18 years of age or more
Be a resident of the United States
Generally a credit score of less than 649
Additional requirements vary by loan source

Loan Application Checklist
Active Email Address
Bank Account Number and Routing Number
Employment, Income, or Benefit Information
Your Social Security Number and your State or Federally Issued Identification

About 10 seconds after submitting your pairing request, you will be able to see, online, if you have been paired with one or more personal loans for bad credit sources. If so, review the sources displayed, select the one that most satisfies your requirements, then click the “click to continue” button. This will open a new window in your browser and you will see the application for the loan source you have chosen. Complete the online application, following the instructions from your chosen loan source.

 

Related Loan Programs

Why Use We Give Loans for your Loans for People with Bad Credit Needs?



It seems like we always either need more cash or more time. The bills come due, the expenses roll in, and if we just had a little more cash or a little more time, it would all work out. Too bad it just never seems to go that way in real life, right?

If that property tax bill were just due a couple of weeks later, it would be okay. That hospital bill for $2,000 just has to be due the same week as your mortgage or rent. Your fridge has to die the same week that the brakes go out on your car. Of course your roof has to develop a leak the month before your annual bonus at work comes through.

Of course, it really doesn’t help when your credit is bad. Those past mistakes are still haunting you and it’s not easy to find financial help when you need it. Why can’t someone just give you a chance? You’re trying to rebuild your credit, but you’re still getting some doors slammed in your face. Aren’t you sick of hearing, “Sorry, we don’t issue personal loans for people with bad credit…”?

When the money runs short and the time runs shorter, We Give Loans is here for you. We understand that life happens and we are here to help you find the right personal loans for bad credit for your needs. Whether you need $500 for that brake job, $1,000 for a new appliance, $2,000 for urgent dental work or $3,000 for a home repair or relocation costs, and your credit has some blemishes, a personal loan for bad credit might just save the day.

We Give Loans offers unique access to 8,560 loan sources that offer personal loans to people with less than ideal credit. These bad credit personal loans can range from $500 to $5,000 and be repaid in installments from 2 to 36 months. Even if your credit score is less than 650, you may be approved in minutes and qualify for a signature loan that can put cash in your pocket in 1-72 business hours.

Is your credit fair or better, with maybe only a minor blemish or two? Is your credit good or excellent? You may qualify for better terms and rates with a standard personal loan.

With our short, secure form, you can anonymously be paired with lenders and loan sources from our network. Once you’ve filled out our form, we will use the data you’ve provided to pair you with the right sources for bad credit loans from our network. You can then choose which loan source you wish to work with and complete your application with them. It’s that simple. No more running from lender to lender and filling out form after form. You don’t have time for that!

We Give Loans has helped millions of people, since 2006, find the right loans, even loans for people with bad credit, from the right sources for their unique situations. Complete our form today and see how quickly you can get the cash you need!


Bad Credit Personal Loans Information, State Laws, and City Ordinances



Each state, and sometimes an individual city, has its own laws regarding loans. Here you can find and learn about the various state loan laws and city ordinances for loans where you live. This knowledge can help you to make an educated borrowing decision.

Alabama (AL)
Alaska (AK)
Arizona (AZ)
Arkansas (AR)
California (CA)
Colorado (CO)
Connecticut (CT)
Delaware (DE)
Florida (FL)
Georgia (GA)
Hawaii (HI)
Idaho (ID)
Illinois (IL)
Indiana (IN)
Iowa (IA)
Kansas (KS)
Kentucky (KY)
Louisiana (LA)
Maine (ME)
Maryland (MD)
Massachusetts (MA)
Michigan (MI)
Minnesota (MN)
Mississippi (MS)
Missouri (MO)
Montana (MT)
Nebraska (NE)
Nevada (NV)
New Hampshire (NH)
New Jersey (NJ)
New Mexico (NM)
New York (NY)
North Carolina (NC)
North Dakota (ND)
Ohio (OH)
Oklahoma (OK)
Oregon (OR)
Pennsylvania (PA)
Rhode Island (RI)
South Carolina (SC)
South Dakota (SD)
Tennessee (TN)
Texas (TX)
Utah (UT)
Vermont (VT)
Virginia (VA)
Washington (WA)
West Virginia (WV)
Wisconsin (WI)
Wyoming (WY)
Washington D.C

WE GIVE LOANS – FEE
We Give Loans does not ever charge a fee to consumers for using our services.

DOWN PAYMENT – UP- FRONT MONIES
There are no down payment or up-front monies required from We Give Loans, Inc or any of the loan sources advertised on wegiveloans.com. We Give Loans does not recommend ever paying up-front fees to obtain a loan. We urge you to be very suspicious of any such arrangement. Only in the event that you actually receive a loan from a service provider, or lender, will you incur a fee or interest charge. That amount should be disclosed to you by your service provider or lender prior to you obligating yourself to a loan, so you should know your fee structure/APR before obligating yourself to a loan.

REPRESENTATIVE APR RANGE
We Give Loans, Inc and wegiveloans.com are not lenders and do not provide short-term loans; but pair consumers with lenders or loan sources who may provide such loans. We Give Loans is not able to provide you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved and accept the loan. APRs vary according to the information supplied by you in your loan request, and your loan source. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. The APRs (Annual Percentage Rates) for personal loans for bad credit on this website will vary from between 12.00 and 450.00%. For help with any We Give Loans related services, consumers may contact us.

Example 1 - Low range APR:
We estimate that the APRs offered through the loan sources displayed on this website range from 12.00% to 450.00%.

What does this mean for you? Let’s say you borrow $2,000 for 18 months and your payment was made semi-monthly. Your payment would be 60.84, Assuming, you kept the loan for the entire 18 months, at the end of the 18 months you would have paid back a total of $2,190.38. The APR for that loan would be 12.00%

These examples are based on a minimum 18 month loan term, regardless of early loan payoff.

Example 2 - Medium range APR:
We estimate that the APRs offered through the loan sources displayed on this website range from 12.00% to 450.00%.

What does this mean for you? Let’s say you borrow $2,000 from a different lender with terms not as favorable as the first example, for the same 18 months and your payment was made semi-monthly. Your payment would be 195.25, Assuming, you kept the loan for the entire 18 months, at the end of the 18 months you would have paid back a total of $7,029.16. The APR for that loan would be 225.00%

These examples are based on a minimum 18 month loan term, regardless of early loan payoff.

Example 3 - High range APR:
We estimate that the APRs offered through the loan sources displayed on this website range from 12.00% to 450.00%.

What does this mean for you? Let’s say you borrow $2,000 from yet a different lender with terms not as favorable as the either of the previous examples, for the same 18 months and your payment was made semi-monthly. Your payment would be 375.77, Assuming, you kept the loan for the entire 18 months, at the end of the 18 months you would have paid back a total of $13,527.82. The APR for that loan would be 450.00%

These examples are based on a minimum 18 month loan term, regardless of early loan payoff.

AVAILABILITY
Residents of some states may not be eligible for some, all, or none of the loan programs offered on this website. wegiveloans.com does not guarantee that completing an inquiry form will result in you being paired with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.

COLLECTION PRACTICES
We Give Loans is not a lender and We Give Loans does not engage in debt collection practices. Your lenders' collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. We Give Loans makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair and legal conduct.

CREDIT SCORE IMPACT
We Give Loans does not make credit decisions, nor does We Give Loans conduct a credit inquiry on consumers. Some lenders or service providers within the We Give Loans network may (depending on the loan program you are wanting to obtain) perform a credit check with some, all, or none of the three major credit reporting bureaus: Experian, Equifax, and Trans Union. In these instances, your credit score may be impacted by the credit inquiry. Alternatively, credit checks or consumer reports through other providers such as Teletrack or DP Bureau, which will not impact your credit score with: Experian, Equifax, or Trans Union, may be obtained by some service providers or lenders in certain circumstances. Ultimately, your credit score may or may not be affected by the actions of a particular lender. If you do not repay your loan on time, your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.

LEGAL DISCLAIMER
This website does not constitute an offer or solicitation to lend. We Give Loans, Inc and wegiveloans.com, collectively and individually, are not lenders, do not broker loans, and do not make loan or credit decisions. The operator of this website is not an agent, representative, or broker of any lender and does not endorse or charge you for any service or product. wegiveloans.com provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender. wegiveloans.com’s purpose is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. wegiveloans.com does not endorse any particular service provider, lender, or loan product. You are under no obligation to use wegiveloans.com’s service to initiate contact, nor apply for credit or any loan product, with any service provider or lender. Greater clarity is provided within the disclosure for each loan type. Generally speaking, some service providers or lenders may (depending on the loan program you desire to obtain) perform a credit check with some, all, or none of the three major credit reporting bureaus: Experian, Equifax, and Trans Union. In these instances your credit score may be impacted by the credit inquiry. Alternatively, credit checks or consumer reports through other providers, such as Teletrack or DP Bureau, will not impact your credit score with Experian, Equifax, or Trans Union, and may be obtained by some service providers or lenders in certain circumstances. You will not be charged any fees to use wegiveloans.com’s service. If you have additional questions concerning this you may contact us.

IMPLICATIONS OF NON-PAYMENT AND OTHER CONSIDERATIONS
We would like to remind you that We Give Loans is not a lender, and We Give Loans does not charge any fees for its services. Every lender or loan source in the wegiveloans.com network provides the consumer with specific terms, conditions, and practices prior to the consumer's acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.

IMPLICATIONS OF NON-PAYMENT, LATE PAYMENT, OR PARTIAL PAYMENT
When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full, or if you make a late payment. We Give Loans cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. We Give Loans has no control or knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. We Give Loans does make an effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair, legal, and reasonable manner.

NY - This service is not available in New York or to New York borrowers due to interest rate limits under New York law.
Many of the loan offers that appear on this site are from companies from which We Give Loans Inc, receives compensation. Many more of the loan sources that appear on this site are companies from which we receive no compensation.

The results of our “pairing process”, loan assessments, and reviews are based on objective quantitative and qualitative analysis of loan attributes. They are not affected by compensation.

Compensation may impact which loan sources we review and write about and how and where products appear on this site (including, for example, the order in which they appear).

While we try to feature as many loan offers on our site as we can maintain (3,700+ and counting!), we recognize that our site does not feature every loan company or loan product available on the market.

Additionally, our star ratings are a mix of user feedback and We Give Loan’s independent evaluation which are independent of compensation.