• Long-term installment loans up to $25,000
  • Short-term payday loans up to $1,000
  • Bad credit and no credit accepted


Getting loans for people with bad credit is relatively easy. However, it is important to note that while these loans are easy to obtain compared to other types of loans, these loans are not for everyone or not for every type of financial need. Lenders offering these loans also have requirements that you must comply with before you can get approved. Nevertheless, you can be confident that you may be eligible for these loans even if you don’t have a credit history or you have the most horrible credit score, as lenders of these loans require no credit check.

Banks may offer this product as well, but they most likely require you to show valuable assets as collateral or a co-signer, not to mention a bunch of paperwork. If you are not in a hurry and want to enjoy low interest rates, banks are a great choice. On the other hand, if you need immediate funds for emergency expenses, you can always turn to lending companies online who are willing to help you solve your financial issues, provided you have all the necessary gears to get approved.
To apply for loans for people with bad credit, you need to submit the following requirements:

Proof of Age and Location

You have to be at least 18 years old and legally residing the United States. When looking for online lenders within you state, chances are Internet-based locators will ask your ZIP code. Once you enter your zip code, the website will then reveal all available lenders near you. Although you need not visit their brick and mortar offices, all lenders require you to provide your exact location. This is mainly because each state has a different set of rules and regulations that cover products and services related to loans for people with bad credit.

Job and Income

All applicants must have a stable job or a steady income in order to get approved. Generally, you have to be working for the same employer for 90 days or longer.

Bank Account

Your bank account must be in good standing. Lenders will be sending your loan straight to your bank account once it is approved. In most cases as well, the contract your lender will have you sign will authorize your lender to deduct the payment from your account on the agreed date of payment.

Email and Phone Number

In order for the lender to confirm that you can be trusted and that you are a legit borrower, they will require you to have a functioning phone number or email. With this, it is important that you have one. Most lenders will require that your phone account is under your name.

These are the basic requirements for loans for people with bad credit. If you can provide these requirements and can show that you have the capability to pay for the amount you intended to borrow, you have higher chances of approval. Bear in mind though that this financing option is basically unsecured and short-term. It is not intended as a long-term funding source or you get trapped in a debt cycle.