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The APR on short term online loans varies from 40% to 2,290% depending on lender and how the interest rate is calculated, the duration and amount of loan, late and non-payment fees, and other possible fees and factors.

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What are bad credit loans?

Bad credit loans are an option for people with poor credit, for a set amount of time, usually up to 60 months. Such personal loans are paid back monthly in small installments. While credit unions and banks will mostly not approve people with a score below 660, some online lenders we work with, offer bad credit loans to borrowers with credit score less than 620.

While your credit score is taken into account when approving you, online lenders might be less picky, so your chances of approval are higher than with banks. Credit rating is the easiest way for lenders to decide whether you qualify for a loan and what will be the terms.

When you need bad credit loans?

Financial emergencies strike at lightning speed. You do not get a warning that you will need quick cash tomorrow or in the next few hours. Preparing for emergencies or even large purchases is tricky when working with a tight budget. A recent research shows that income alone does not guarantee that households will gain needed savings.

1 in 3 US families answered that they have no savings at all, including 1 in 10, whose income is more than $100,000 per year 1. Getting a loan is inevitable in such times. Traditional bank loans are defined by lengthy paperwork and high credit history requirements, so they may not approve your loan request if your credit rating is low. The good news is – you can get quick bad credit loans online and solve your financial crisis.

Quick Facts About Bad Credit

  • 41% of US households don’t have enough in liquid savings to pay for a $2,000 expense.2
  • A typical American family is unable to replace even one month of income with own liquid savings.
  • 56 % of United States credit users have poor credit score.3
  • 4 million low-income U.S. citizens pay higher mortgage interest rates because of poor credit.
  • 2.9 out of 1,000 U. S. citizens have filed for bankruptcy.4
  • 13,5% of U.S. households live in income poverty.5

What is a poor credit score?

A bad credit history is considered to be lower than 620, and it’s also called subprime or poor credit. Usually, a low FICO score, means you were late paying your bills and debts or even didn’t pay them at all. Other factors taken into account may be: how stable your employment is, what’s your current income, and how much debt you have.

How do bad credit loans work?

With poor credit, lenders consider you a risky borrower, as you are not always financial responsible. That is where bad credit personal loans come, and their main feature is high price. Since lenders consider you risky, the APR on such loans is high, and this is the price you pay for having low credit. As from lender’s view, the high APR is the price they charge to accept your high level of risk. Here is a general idea of what a low or high credit score means from lenders’ side:

Estimate loan approval depending on credit history

RangeFICO ScoreMeaning
Poor / Bad Credit (Subprime)Under 620 No access to bank loans. Accepted by online bad credit lenders, but at less favorable terms and rates.
Fair / Good Credit (Prime)620 – 780 Acceptable loans with amount up to $35,000. Good terms and rates.
Excellent Credit (Super-prime)780+ Best or better rates and terms. High loan amounts.

Are bad credit loans good for you? Alternatives.

We make it easy and fast to access loans for bad credit. However, request online loans for bad credit when enduring real needs like the ones listed below:

  • Consolidate credit card debts.
  • Pay uninsured medical bills.
  • Outdoor area and home improvement.
  • Pay off your tax debts.
  • Pay veterinary bills for your pets.
  • Expenses related to wedding or honeymoon.

But what to do if the situation is not really urgent, and you don’t want to pay extra fees for a costly online loan? Use any of the methods shown in the diagram. According to a recent study 6, these are the main ways of getting extra money by people who don’t have access to loans. Other options are: cutting back on expenses, selling own goods, borrowing from friends and even from the employer.

Simple Requirements

Unlike bank loans, there is no need to fulfill tons of requirements to get personal loans for bad credit. You only need to be a registered citizen and at least 18 years old. The lender will also need an active bank account in your name to transfer the money and reliable contacts. Your income is your collateral. Hence, you should have a solid and provable source of income. If you meet these basic conditions, you can get bad credit loans without long phone calls or meetings.

We are here to Help is among the leading services connecting people with lenders granting personal loans for people with bad credit. We are committed to offering reliable service to our clients. To this extent, we enable people in need of bad credit loans to access funds quickly.

If a bad credit loan is what you need, rely on us. Don’t panic because of your bad credit. Just choose a proper lender and you can even see some improvements on your credit report. Read other advantages of applying for poor credit loans through

Access to a large network of lenders.
Identifying fair lenders of personal loans for people with bad credit is difficult for an individual. Our service connects you with honest lenders who give bad credit personal loans, care about you, respond to loan request fast and guide you through the process. They will also disclose clearly the fees and charges before you accept the offer. So, you are able to make a sound decision taking in account your current income and the loan repayment plan.

Get funds within 24 hours if approved.
After sending a loan request through us, you get the reply on the same day, and if approved, the funds are transferred as soon as the next business day. Our aim is to enable every client to access financial aid in 24 hours after their request.


Additional benefits of using our service

personal loans for people with bad credit
  • Easy-to-fill loan request form.
  • No fees for our service.
  • Our website is accesible 24/7.
  • Direct contact with your lender.
  • Possibility to extend the repayment plan.

Apply for quick bad credit loans now, and cover your financial gap!


Application is completely free of charge.

Responsible Borrowing & Legal Implications to Consider

We remind you that promotes a policy of Responsible Borrowing and Responsible Use of Loans. Note that loans are an expensive financial solution, so use them wisely.

It is very important for everyone who gets a loan to fully read over the terms and conditions before signing and submitting the contract. This contract will include the specific date when you must pay it back. If you don’t pay back your loan on time, the lender has every right to charge you late fees until you have covered the full amount of debt. Please read the following information to learn the results of irresponsible borrowing.

Representative APR Range

There are multiple factors when it comes to how much interest you are going to pay. APRs can vary depending on lender’s requirements as well as on credit score and on location. For personal loans, you can pay an interest rate of anywhere from 4.99% to 450%.

Those who have fair credit might end up having to pay a higher APR than those with good credit, though it depends entirely on lender. Also, some states have laws that allow higher interest rates. Anyone who wants a loan should understand that the APR is always high.

Implications of Late Payment

Those who do not repay the loan promptly, are subject to late fees. The cost of fees vary from lender to lender, but they are quite costly. Moreover, fees accumulate each day until the amount is paid in full. Make a point of paying back the amount on due date, and you will not encounter any of these additional fees. A late payment could also have a negative effect on credit as a whole.

Financial Implications of Non-Payment

There are financial implications of not repaying the amount you take out, including being charged multiple fees until you do so. Those who never repay the money will be indebted.

Collection Practices

The laws regarding collection practices for debt vary depending on your location. Most lenders will not sell your debt to outside collection agencies. They will instead attempt to collect the debt by contacting you via phone, email, or even text message. Nevertheless, please check lender’s terms and conditions for information about collection practices.

Impact on Credit Score

Not paying back the amount in full, will almost certainly sustain a negative hit to your credit history. It’s fully within the lender’s rights to report your failure to one or all the major credit reporting agencies.

Works Cited

1 The Pew Charitable Trusts. “The State of American Family Finances”

2 The Pew Charitable Trusts. “The role of emergency savings in family financial security”

3,5 Assets & Opportunity Initiative. “How the Economic Recovery is Bypassing Millions of Americans”

4 America’s Debt Help Organization. “Bankruptcy Statistics”

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