Top 10 Online Loans for Bad Credit with Guaranteed Approval

  • Monday, July 25, 2022 4:22pm
  • Blog

We all have difficult times that affect our cash flow, and sometimes this is reflected in a bad credit history. Often our concern is that we have problems getting a loan in times of emergency when we need fast cash. But a bad credit rating might not prevent you from borrowing a small loan, there are multiple lenders who will give you a loan despite your poor credit.

A bad credit loan is for people with a low credit score. Many lenders who lend to people with good credit also have the flexibility to offer loans to those with bad credit. These loans are usually unsecured, have a higher interest rate, and must be repaid within a specified term. The most important thing the lender will want to know is that you have enough income to repay the funds.

These are the top brands for bad credit loans:

  • WeLoans – Best Overall for Guaranteed Bad Credit Loans Online
  • US Bad Credit Loans – Best for Low Credit Score Requirement
  • CocoLoan – Best for Multiple Bad Credit Loan Offers
  • BadCreditLoans – Best for Large Network for Small Bad Credit Loans

Top 10 Bad Credit Loans for People with Poor Credit



WeLoans offers fast solutions to your financial issue, especially when it comes to bad credit loans. The company can connect you with qualified lenders within 5 minutes, and then you can compare rates and terms to see what best suits your situation.

Once you have been approved, you usually get the funds within 24 hours. Hard credit checks are not required but most lenders will perform a soft credit check which will not be shown on your credit rating. However, what most interests the lenders are your ability to service the loan and repay within the scheduled time, so they will be looking closely at your income, employment history, and current spending.

Some lenders who offer personal loans with bad credit can give you various repayment options and flexible payment dates, it is important to check all details carefully even if it means the process takes a little more time. It is also significant to know that bad credit loans have high-interest rates and fees, so make sure you can afford to meet the repayment schedule.


  • Quick & easy submission
  • OK for bad credit
  • Fast cash within 24 hours
  • Flexible repayments
  • Top-notch security measures


  • Limited accessibility in some states

If You Need a Bad Credit Loan Fast, Apply With WeLoans

US Bad Credit Loans


US Bad Credit Loans is an authorized broker offering to get you connected with bad credit loans online through an extensive network of reputable lenders. Whatever your credit score is, you will find the loan you need right here. Their business is legit and does not violate any U.S. laws and regulations.

Whether it is a payday loan, a personal loan, or an installment loan. There is no credit limit for \loans with bad credit, and there is no minimum income requirement. Lenders at US Bad Crediit Loans will assess your application based on your financial situation, such as assets, current liabilities, and personal circumstances.

With US Bad Credit Loans you can get a loan of up to $5,000 from direct lenders without a hard credit check. All the procedures can be done online and once approved you can usually get the cash within 24 hours.


  • Quick cash upon approval
  • Easy and fast process
  • Low credit score does not matter
  • Bank-level security technology


  • Cash limit of $1,000 for very bad credit

Borrow Up to $5,000 for a Bad Credit Loan With No Hard Credit Check


CocoLoanCocoLoan takes care of people who need to get a loan with bad credit by offering reasonable rates without fees and sourcing competitive repayment terms from their network of lenders around the country.

The loaning process is quick and simple; once you provide all your details online, CocoLoan will connect you with the most suitable lenders in their database. The loan approval rate is high provided you meet the minimum eligibility criteria, and the deals offered by the lenders will be tailored to your individual needs.

The lenders in the CocoLoan network have only a few requirements for online loans with bad credit. Your income should be enough to repay the loan and your current credit situation should be problem-free with no outstanding debts. A bad credit loan without collateral will usually be around $500 to $1,000.


  • No hidden fees
  • High approval rate
  • Fast approval & funding
  • Tailored repayment terms
  • Only a few eligibility requirements


  • High-interest rates for bad credit by some lenders

For Bad Credit Loans With the Best Approval Rates, Contact CocoLoan Today



BadCreditLoans offers a free service that can connect you with a lender that will present their loan offer to you with no obligation of having to accept the offer. In addition to traditional loans, some lenders in their network may offer lines of credit. When you fill out the online form with BadCreditLoans your information is sent to a panel of lenders.

The interest rates vary from 5.99% to 39.99% depending on how your situation is assessed. The repayment terms usually have a minimum of 90 days and a maximum of 6 years. Online loans for bad credit are available 24/7, and all your personal details are protected by their advanced encryption technology.

BadCreditLoans’s network of lenders includes state and also tribal lenders who may have higher interest rates than state-licensed lenders.


  • Free, no-obligation service
  • Best lender network for small bad credit loans
  • Competitive APR
  • High privacy & security


  • Credit score under 500 can only borrow up to $1,000
  • BBB score is low

Find the Best Bad Credit Loans Through BadCreditLoans



If you have had problems borrowing from a traditional lender such as a bank due to bad credit you should talk to PersonalLoans. Lenders who work with PersonalLoans will look at several aspects of your finances before making a decision. There are plenty of online loans for bad credit from lenders in the PersonalLoans network to help with your short-term cash needs.

PersonalLoans does not charge any fee to submit a loan request, and amounts from $1000 to $35000 can be available from their network of lenders. PersonalLoans help people to find the loan they need, and also offer other services such as debt relief, credit repair, credit monitoring, and other related services.


  • Low credit score requirement
  • Relatively long repayment terms
  • Higher borrowing limit


  • Can have additional fees
  • Late payment penalties

Check the PersonalLoans Website for Bad Credit Loans and Other Services



CashUSA is one of America’s most trusted resources for bad credit loans online. Whatever your financial needs, CashUSA can easily help you get a loan of up to $10,000. The company does more than just connect you with lenders, they partner with you and provide you with all the information you need to make the right decision about a personal loan.

The easy online form can be completed in a few minutes and when your loan is approved you will get the cash the next business day. As well as loans for bad credit, some lenders in the CashUSA network may offer a line of credit.


    • Simple requirements for applying
    • Loans up to $10000
    • Extra services available


      • Minimum income requirement
      • Additional charges & fees for late payment

Trust CashUSA for a Bad Credit Loan Online

P2P Credit


P2P Credit can allow borrowers with bad credit scores to have access to personal loans, with credit scores of less than 680 and more than 550. With their peer-to-peer lending system, you can still get a fair interest rate with bad credit. The P2P Credit website speeds up the process by immediately redirecting you to the most suitable lender for what you need, such as loans for motorcycles, weddings, or medical costs.

P2P loans are also suitable for small businesses, by helping business owners to connect with the best match for a loan. P2P Credit especially provides access to debt consolidation for bad credit, and if your credit score improves during the loan period you can look at refinancing at a lower interest rate.


      • Easy access to peer-to-peer lenders directly through the website
      • Opportunity to refinance
      • No penalty for early repayment


      • Minimum credit score requirement of 550



Upgrade is a good direct lender for bad credit loans. The minimum credit score required is 560, so it is a good option for people with poor credit who need to borrow small amounts. Upgrade has an excellent rating on Trustpilot and is accredited by the BBB. They can offer loans to pay off credit cards or for debt consolidation, in addition to loans for emergency cash.

Upgrade provides loans from $1000 to $50000 depending on your credit profile, with repayment terms from 2 to 7 years. All Upgrade loans have an origination fee which is normally from 2.9% to 8% of the loan amount, and borrowers can repay the loan early without penalty. Funds are usually available within 1 to 4 days after approval.


      • Direct lender
      • Good repayment terms
      • Reliable & reputable loan company


      • Origination fee
      • Low amounts offered for bad credit

You Can Trust Upgrade for Your Bad Credit Loan



IntegraCredit offers personal loans to borrowers who have bad credit scores. Loan amounts are usually between $500 and $3000 with repayment terms from 6 months to 2 years. Integra’s rates are high for poor credit loans but they are very transparent. If you go to their website you can check out how much APR you will pay before you apply so you know if you can afford the loan.

IntegraCredit can give quick funds to people who need emergency cash and if the loan is approved by 8 pm the funds are available the next day for direct credit to your account depending on the bank policies.

For some people, an Integra personal loan is better than a payday loan because you can get a higher amount over a longer term, although this means you may end up paying more interest so make sure you check all the details before agreeing to a loan.


      • Good repayment terms
      • Fast approval for bad credit
      • Quick cash in an emergency


      • High APR
      • Penalty fees for late payment



NetCredit is an online direct lender that offers personal loans to people with bad credit. Loan amounts are up to $10, 500, and NetCredit reports repayments to the 3 major credit agencies which help to repair and build up your credit score. Repayment dates can be flexible, so if you have trouble making a payment contact NetCredit and they can maybe adjust the repayment date to avoid a late payment penalty.

NetCredit has 4.7 out of 5 on Trustpilot, which is a very good rating and is highly recommended by previous customers. Generally, customers’ comments are that the process is fast and simple and the customer service staff are always polite and helpful.


      • Great customer reviews
      • Flexible repayment terms
      • No application fees


      • Interest rates are higher than other direct lenders
      • Not available in every state

Bad Credit Loan FAQs

What Is Considered Bad Credit?

A credit score is based on your previous financial history in terms of debt repayments and is calculated to be between 300 and 850 points. A credit score of 580 or less is considered bad credit. Lenders will assess your credit score along with your present situation and your income before approving a loan.

How to Get a Loan With Bad Credit?

Most loan brokers have lenders in their network who will offer loans to people with bad credit, and there are many direct lenders who also specifically bad credit loans. These lenders will look at more than just the credit score and want to know that you have sufficient reliable income to make the repayments while still maintaining your household spending.

Where Can I Find Bad Credit Loans Near Me?

The easiest way to find a bad credit loan is to look online for a direct lender or an online broker such as iPaydayLoans and you can do the whole process without leaving home. If you want to deal with a loan company face-to-face, there are many loan companies that have storefront operations. If you check their website you will find the location of the store nearest to you

Can I Get a Loan for Bad Credit Online With No Credit Check?

It is unlikely that a lender will approve a loan without any sort of check on your credit rating. Some lenders advertise that they have no credit checks but actually all reliable lenders do a ‘soft credit check’ that gives them information about your credit history but does not register on your credit score.

How Can I Spot Bad Credit Loan Scams?

Reputable lenders will have a physical address that you can check, either a storefront operation or an office. They should also be registered with the Federal Trade Commission (FTC), and their web address should be a secure platform –you can tell this by looking at the URL. A secure address will start with HTTPS, and if it is only HTTP it means it is not secure. Also if a lender advertises no credit check or no income check it will probably be a scam.


If you have a bad credit score you may think that it will stop you from borrowing money. However, there are many lenders who will look at not just your credit history but also your present situation to see if you are able to repay the installment loans for bad credit comfortably.

You can apply to a broker or direct lender to secure yourself a bad credit loan. However, it is important to check the details such as APR and repayment terms including any fees that may be charged upfront or for late payments before you rush to a bad credit loan. Remember, there will always be a place where you can get loans for bad credit.

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