Bad Credit Loans — No Hard Credit Check
If you’re searching for loans for bad credit, here is every loan we offer in one place: a short cash advance, an installment loan and a personal loan. We use a soft inquiry, not a hard credit check, and verify your income and checking account, so applying doesn’t lower your score.
Bad Credit Loans: Your Score Isn't the Whole Story
We consider applicants with bad or fair credit. The decision depends mainly on income and checking account, with no hard credit check.
Read the video transcript
Your credit score is one number. You're more than that. You work. You pay your bills. But one bad year can follow your score. We consider applicants with bad or fair credit. Your income and checking account matter most. And there's no hard credit check. A small advance, or a larger loan with monthly payments. You see the cost before you sign. No false promises. Just a fair look. Cash Solutions. Since 1999.
Find the loan that fits your situation
Choose how much you need and how soon you can pay it back. The tool points you to one of our three loans.
You need a small amount and can repay it on your next payday, which is what a cash advance is built for.
Read about this loan- A starting point, not an offer. Amounts, rates and terms depend on your state, and approval depends on income and verification. Your exact cost is shown before you sign.
Our loans for bad credit, side by side
Our online loans for people with bad credit all use the same basic review. What differs is the size, the repayment shape and the cost.
| Cash advance | Installment loan | Personal loan | |
|---|---|---|---|
| Amount | Up to $425 | Up to $10,000 | Up to $10,000 |
| How you repay | One payment, 14 days (up to 34) | Equal payments on a schedule | Equal payments on a schedule |
| Cost | $15 per $100 repaid; 460.08% APR over 14 days | Example rate 36% APR; depends on your state | Example rate 36% APR; depends on your state |
| Suited to | A small gap before payday | A bill you can spread over a few months | A larger cost you need longer to repay |
| Details | Cash advance | Installment loans | Personal loans for bad credit |
- Once approved, the money is sent to your checking account: a cash advance as soon as the same day, an installment or personal loan the next day after approval.
- Need payday-style cash? See payday loans; same product, explained on its own page.
What a bad-credit loan costs in dollars
APR looks abstract. These examples show what you would actually repay.
- Cash advance, $300. You repay $352.94 after 14 days — a fee of $52.94.
- Installment loan, $500 over 6 months at 36% APR. About $92.30 a month, $553.79 in total.
- Personal loan, $5,000 over 36 months at 36% APR. About $229.02 a month, $8,244.68 in total.
The longer loans cost more in total but far less each month. Rates and terms depend on your state; your agreement shows the exact figures before you sign.
Soft pull versus hard pull, in short
A soft inquiry doesn’t affect your score; a hard inquiry can. We use the soft kind to decide. The full explanation, with what we review instead of your score, is on our page about a cash advance with bad credit.
How to compare loans for bad credit before you apply
When you need a quick loan for bad credit, speed is tempting, but the order of checks below saves money.
- Total repaymentAdd up everything you’ll pay, not just the monthly figure.
- APRIt puts a short loan and a long loan on the same scale.
- FeesAsk whether there are origination, late or returned-payment fees.
- Fit with your payThe payment should fit your budget in your tightest month, not the easiest one.
If a credit union near you offers a small payday-alternative loan, compare it too. The NCUA runs MyCreditUnion.gov to help you find one.
Scam lenders aimed at bad-credit borrowers
People with a low score hear “yes” more often than they should. Walk away if you see any of these:
- A request to pay “insurance,” a “processing fee” or a deposit before the loan is paid out.
- A promise of approval before anyone has looked at your income.
- A lender that contacts you first by text or social media, then asks for your bank login.
- No license you can look up, no physical address, no written agreement.
A two-minute lender check
Search your state regulator’s website for the lender’s name and license. Read the agreement for the APR and total repayment before you sign. Our online loans carry no hard credit check, and our own licensing disclosure is in the footer and on the About us page. Problems with any lender can go to the CFPB complaint form.
Rebuilding your credit while you borrow
A loan alone won’t repair a low score, and we don’t report payments to the credit bureaus, so a loan with us won’t build your credit. Pay every bill on time, keep card balances low and check your reports for mistakes — you can get your free reports at AnnualCreditReport.com. If a payment plan with the creditor is possible, ask for it before taking a new loan. Borrow only what you can repay from your next paychecks.
Also be wary of stacking loans. A second loan taken to cover the first one’s payment usually adds cost without solving the shortfall. If you’re already behind on a loan, contact that lender first: many will talk about a plan before an account reaches collections. Free nonprofit credit counseling and local assistance through 211 are other places to turn before you borrow again.
Frequently asked questions
Who gives loans for bad credit?
Banks and credit unions sometimes do, as do online lenders, and so do we. We consider applicants with bad or fair credit; the decision depends mainly on income and the checking account.
Who gives no-credit-check loans?
Be careful with that phrase. Almost every lender verifies something. We don’t run a hard credit check; we use a soft inquiry and verify your income and account instead. If you want a safe lender online, look for one that verifies income, shows the full cost up front and holds a license you can look up.
Does applying hurt my credit score?
Not with us. A soft inquiry doesn’t change your score. Lenders that run a hard inquiry can cause a small, temporary dip.
What credit score do I need?
We don’t set the decision by score. Your income, your checking account and verification matter most, though a lower score can mean you’re offered a smaller amount.
Ready to apply?
Apply online in minutes. No hard credit check; approval isn’t guaranteed and depends on income and verification.