Loans for Bad Credit

Bad credit and emergency expenses don't mix. Sort your expenses out today with a bad credit loan.

  • Any Credit Score Considered
  • Swift Approval Decision
  • Safe & Secure
Top Banner
What Is A Payday Loan?

Secure Your Financial Futures With Bad Credit Loans

How do you deal with emergency car repairs, and medical bills when the bank won't even give you a chance because of bad credit? The answer - a bad credit loan. Simple, easy and quick to get! You should give it a try.

How Do Poor-Credit Loans Work?

Poor credit loans are designed to help you get financial aid even if your credit score isn't so impressive. When considering you for a loan, the lender may in addition to your credit score consider factors like your income and employment history. Once approved, you will typically be paid as soon as the following day.

What Is A Payday Loan?

How To Get A Loan With Bad Credits Online?

How to Obtain A Payday Loan Online Here?
  • 1

    Fill out the form

    Fill the form online with the correct details to make connecting with a lender easier.

  • 2

    Receive quote

    Get quotes from different lenders and compare their terms to see which is more favorable. Then, stick with the quote from your chosen lender.

  • 3

    Sign quote and get funded

    Sign the lender's quote and you should expect to see the approved sum anything from the following business day.

Benefits of Choosing Us for Bad Credit Loans

  • Easy Process

    The process of obtaining a bad credit loan is damn easy. You can get loans in the hundreds to thousands from the comfort of your mobile device and in quick, easy steps. It's as simple as ABC.

  • Quick Funding

    Need some loan to sort out some financial emergencies? Look no further than USInstallmentLoans. Once you have been sent a quote by our lenders and you've signed it, you can expect to get funded as quickly as the following business day.

  • Hard Credit Check Not Needed

    Only scam lenders advertise no credit checks. The SEC mandates every lender to do a credit check. However, unlike other lenders, we run only soft credit checks which will not hurt your profile. You are safe with us!

  • Affordable Interest Rates

    Ever so often you find lenders who try to offset the risk they're taking on you by charging high interest rates. Our partner lenders beg to be different. They understand your financial position and so, charge only fair and affordable interest rates.

  • Ethical Bad Credits Loans Lenders

    Our partner bad credit loan lenders are professional and ethical in their dealings. Since they are accredited by the Securities Exchange Commission (SEC), all their dealings and activities are monitored and regulated by the SEC.

  • Premium Data Security

    Our website is well protected against privacy leaks with industry leading security standards. We also do not and will not sell your data to any sites or the dark web. Your information is safe and secure with us.

How Do I Compare The Offers From You?

Before arriving at a decision or settling with a lender, it's recommended you compare the offers you have. Here's what to watch out for:

  • Rates

    The rule of thumb is the higher the interest rate, the more the loan will cost over time. If you're borrowing on the long-term, a high interest rate can be quite disastrous. So, compare the different offers and go with lenders with low interest rates.

  • Terms

    Compare and contrast the lender's loan terms to help you arrive at a decision. A long loan term means lower monthly payments while a short loan term can spell lesser interest charges.

  • Lenders

    Although all lenders in our network and SEC-accredited, you may want to do some digging yourself. Read up customer reviews to know which ones can be trusted and how they treat their customers in general.

What Are the Pros and Cons of Poor Credit Loans?


There are many advantages of poor credit loans, some more obvious than others. These are some of the most important.

Quick and speedy

Obtain a form, fill and supply answers to the questions asked and you could get funded as soon as the next business day if not earlier. Talk of speed and convenience in one breath.

Improve your credit score

Consistently pay your bad credit loans on time and you could see your credit score make a significant jump. It's a good way to show yourself as a responsible borrower and hence, increase your credit score.

Long repayment term

Depending on the lender, you can get repayment terms anywhere from a year to five years. However, you should know that the longer the repayment window, the higher the interest rate.


Poor credit loans also have some cons. Here are some of them:

High interest rates

People with bad credit scores are taken as high financial risks, so lenders may want to offset these risks by charging high interest rates. Generally, the lower your credit score, the higher your interest rate.

Can lead to further debts

Bad credit loans are so convenient that it could be tempting to keep borrowing without proper repayment plans. This could lead you to a financial quicksand.

May need collateral

Although most don't need one, some lenders may insist on putting up a collateral. This may be problematic for borrowers who don't have any collateral to turn in.

Other Types of Online Loans for Borrowers with Poor Credits

Don't want to get a bad credit loan? You may want to try out these loan alternatives instead.

Title Loans

If you've got a car in good condition and can't get a bank loan because of a bad credit, you should consider leveraging that ride. You can secure a loan in thousands by turning in your car title. Here's the best part - the lender doesn't seize the collateral. You still get to drive it around.

Installment Loans

This is perhaps the most convenient of loans to repay. Installment loans give you the convenience of paying in bits, called installments, till you complete the payment. Also, it's long-term and so allows you to borrow more money.

Payday Loans

Payday loans are the go-to bad credit alternatives if you need to make a quick fix before the next time you are boxed up. Like bad credit loans, you also do not need an incredible or near-incredible credit score.

Quick Loans

Just like its name suggests, you get funded quickly. If you're in a financial emergency, getting a quick loan is perhaps your best move. You can get funded as soon as the next business day and the general acceptance rate is on the high side.

How Can I Improve My Credit Score?

Generally, the higher your credit score, the better your chances of landing a loan. So, you must be looking to embrace activities that improve your credit score. Here are some of them:

Timely payment

Just one late payment can dip your credit score and it could take some time to bounce back. So, you might want to set reminders on your phone or schedule automatic repayments to ensure you don't miss a payment date.

Lower your credit utilization ratio

Credit utilization ratio is the ratio of debt owed to the amount of credit available. Lenders look out for people with a ratio less than 30%. Therefore, paying your balances early and spending less can help you reduce this ratio and hence, increase your chances.

Ensure your credit accounts remain open

An old credit account with good standing can potentially increase your credit score. So endeavor to keep your old accounts alive even if you no longer have need for them.


  • What is Considered Bad Credit?

    In the US and Canada, credit scores range between 300 and 850. Usually, the higher you are on the scale, the more responsible you are considered to be as a borrower and by extension, the higher your chances of landing a loan. Between 300 and 579 is considered very poor.

  • How Much Can I Expect To Get?

    For a short term loan expected to cater to your immediate needs until your next paycheck, you can get up to $5,000 (depending on your state's credit ceiling). Long term loans like personal loans for bad credits allow you to borrow up to $35,000 (depending on your state).

  • What if I Missed Repayments?

    The first consequence for defaulting on a loan is incurring penalties in form of interest and fees. If you tarry too long, they may be forced to pursue the funds legally. Therefore, if you are going to be late, you may consider debt consolidation or contacting the lender.

  • How Quickly Can I Receive the Loans for Bad Credits?

    The waiting time for someone with a bad credit is just about the same as someone with a better credit score. Once you have been approved and have signed the quote, you can expect to get funded as soon as the next business day.

  • What Do I Need to Qualify?

    To qualify for a bad credit loan with a lender, you must meet their minimum credit score, income level and debt-to-income ratio.

Get Our Bad Credit Loans With An Approval Rate of 97%

Anyone with a bad credit knows how difficult landing a loan can be. USInstallmentLoans is an exception though. We have an approval rate of 97% and we'll link you with a partner lender willing to give you some short-term loans.

Get Started Today
Get Our Bad Credit Loans With An Approval Rate of 97%