It may have been said best by Ferris Bueller: life moves pretty fast. If you don’t stop and look around once in a while, you could miss it.

But aside from missing out on fun and fulfilling experiences, there are other risks associated with the quick pace of life, too. And if you’ve ever been in a financially rocky situation, chances are you know what we’re talking about.

I mean, when does it happen that just one thing goes wrong? When you find yourself strapped for cash, it’s usually just one more added burden in an already-stressful situation. Not only do you need to find the funds to make ends meet, but you need to get your hands on it right away.

Shopping for a great lender is difficult enough without the added difficulty of finding one who will expedite the process. Add an imperfect credit history to the mix, and you might start feeling totally overwhelmed by the prospect of finding the loan you need.

But fortunately, many lenders do understand that life happens — and that sometimes, you don’t have any time to spare. Many of the firms below will overlook bad credit, and they can get the money to you within as little as a single business day after your application is approved.

Cash Advances and Installment Loans for Bad Credit

Chances are, if you’re reading this post, you’re already pressed for time. So we won’t waste one more minute!

Here are some of the very best lenders to choose from when you need your funds in a flash.

1. MoneyMutual

LetMeBank's rating
Apply Now

on MoneyMutual's secure website

Loan Amount

Up to $2,500

Loan Term

Varies

APR

Varies

With a nationwide network of lenders offering short-term loans of up to $2,500 in as little as a single day, it’s no surprise that MoneyMutual has been trusted by more than two million customers. Although specific loan terms vary by lender, competitive interest rates and generous term lengths are available, and many borrowers are approved even with imperfect credit.

Features and Benefits

  • Fill out online form in less than 5 minutes
  • Get a decision on your loan within minutes
  • Loan deposited in little as 24 hours
  • Trusted by more than 2,000,000 borrowers
Learn More →

2. CashUSA

LetMeBank's rating
Apply Now

on CashUSA's secure website

Loan Amount

$500 - $10,000

Loan Term

3 to 72 months

APR

as low as 5.99%

Offering short-term, personal loans of up to a hefty $10,000, CashUSA is a reliable source for quick funds even for those with imperfect credit. After your application decision has been reached and a loan agreement is signed and processed, you may be able to have the funds deposited directly into your account in as little as one business day.

Features and Benefits

  • Flexible borrower requirements
  • Loan request can be approved within minutes
  • Money deposited as early as 1 business day
  • All credit types accepted
Learn More →

3. BadCreditLoans

LetMeBank's rating
Apply Now

on BadCreditLoans secure website

Loan Amount

$500 - $5,000

Loan Term

3 to 60 months

APR

as low as 5.99%

The credit check is the most intimidating part of the loan process for so many prospective borrowers, especially if their history has a black spot or two. But, BadCreditLoans understands that even those with not-so-perfect credit history still need short-term loans sometimes, and they can leverage their vast network of prospective lenders to help you find a financial product that will work for you.

Features and Benefits

  • No obligation or fee to check loan approval
  • High approval rate despite credit history
  • Funds available as soon as next business day
  • Assisting people with bad credit since 1998
Learn More →

4. PersonalLoans.com

LetMeBank's rating
Apply Now

on PersonalLoans's secure website

Loan Amount

$500 - $35,000

Loan Term

3 to 72 months

APR

as low as 5.99%

Whether it’s a quick $500 to tide you over until payday or tens of thousands of dollars for an unexpected medical expense or home repair, PersonalLoans.com likely offers a financial product that will suit your needs. The application is quick and simple and done entirely online, and you’ll have anywhere between 90 days and 72 months to repay your total.

Features and Benefits

  • Multiple loan types available
  • Fast loan decision
  • Funds deposited as soon as you accept offer
  • Nationwide availability
Learn More →

5. CashAdvance

LetMeBank's rating
Apply Now

on CashAdvance's secure website

Loan Amount

$100 to $999

Loan Term

7 days to 12 months

APR

Varies

Need cash in a flash for an unexpected expense or emergency? CashAdvance is a great place to turn when you’re in a pinch, offering short-term loans of up to $1,000 when you just need a little extra boost to get you through a rough patch.

Do keep in mind that these kinds of quick-turnaround loans can come at relatively high interest rates, especially if your credit leaves something to be desired. While it’s a good option to have in your back pocket, you’ll want to be sure to repay the loan as quickly as possible — and only use these types of products as a last resort.

Features and Benefits

  • Trusted since 1997
  • Response by email or phone within minutes of submitting request
  • Money deposited as soon as next business day
  • High approval rate even with bad credit
Learn More →

Specialized Bad Credit Loans: Auto Loans, Mortgages, and Refinancing

Although unsecured personal loans can be used for just about any purpose under the sun, it’s sometimes a better strategy to choose a specialized loan designed for your specific purposes. Since auto and home loans give the bank collateral (in the form of your car or house), they often come at lower interest rates — which is even more important when you consider the high price of those items.

Many people mistakenly believe that mortgages, home refinancing, and auto loans are only available to those with good or excellent credit. Although having a shiny credit score can certainly help you get better loan terms, it’s definitely possible to get the things you want even if your credit history is imperfect! Here are some lenders that can help make your dreams come true, even if you’re not quite pushing 800.

6. Auto Credit Express

LetMeBank's rating
Apply Now

on Auto Credit Express's secure website

If you want to fix your credit, you’re probably going to need to go to work. And if you’re going to go to work, you’re probably going to need a car.

That’s why Auto Credit Express offers bad credit auto loans and car financing, empowering you to turn your situation around even if you’ve gone through bankruptcy or repossession.

No big down payment saved up? No problem — many of its lenders will strike up a deal even if you’ve only got $500, or even nothing, to put down. More than 1,200 dealerships nationwide participate, so chances are, there’s an auto lot near you that’s eligible.

Features and Benefits

  • Loan Amount: Varies
  • APR: 3.99% - 29.99%
  • Loan Term: Varies
Learn More →

7. Car.Loan.com

LetMeBank's rating
Apply Now

on Car.Loan.com secure website

If you’ve got bad credit, or even no credit at all, that’s no reason you can’t have a new ride. Car.Loan.com offers quick and simple auto financing even to those without a robust credit history, and you’ll hear back from them within 24 hours of submitting your application.

This online auto loan company is a great resource for first-time buyers as well as those who’ve filed for bankruptcy in the past. They’ve been connecting borrowers with local lenders since 1994, so you can rest assured you’re in good hands!

Features and Benefits

  • Loan Amount: Varies
  • APR: Varies
  • Loan Term: Varies
Learn More →

8. MyAutoLoan

LetMeBank's rating
Apply Now

on MyAutoLoan's secure website

Want to get down to where the rubber meets the road (pun totally intended)? MyAutoLoan will dish you out up to four offers within the few minutes it takes to fill out its simple online application.

If you decide to move forward, you’ll have your digital loan certificate within just 24 hours. (Depending on the lender, you can also choose to receive the funds in the form of a blank check, ACH transfer, bank deposit, and more.)

Features and Benefits

  • Loan Amount Varies
  • APR: Varies
  • Loan Term: 24 - 72 months
Learn More →

9. LendingTree

LetMeBank's rating
Apply Now

on LendingTree's secure website

Whether you’re looking to refinance an existing mortgage, take out a new one, or even pursue a personal line of credit for an expense like student loans, LendingTree offers a unique credit model that puts the power firmly in your hands.

After you put in your application, interested lenders actually compete for your business. You’ll receive a host of offers within as little as 5 minutes and be able to choose the one that’s best for your individual financial situation.

Because they connect prospective borrowers with such a wide range of financial products, specific loan terms can vary. Always be sure to read your loan agreement in full before accepting the terms and signing!

Features and Benefits

  • Loan Amount: Varies
  • APR: Varies
  • Loan Term: Varies
Learn More →

10. Quicken Loans

LetMeBank's rating

If you’re looking for a way to refinance your home loan or to consolidate your debts to pay them down faster, Quicken Loans may be the answer. Along with generous terms on both refinances and new lines of credit, the company also offers a vast array of resources to help prospective homebuyers and current homeowners make the most or their mortgage.

Features and Benefits

  • Loan Amount: Varies
  • APR: 4.3% - 5%
  • Loan Term: Variable, but includes 15- and 30-year fixed mortgages

No matter what events in your life have coalesced to cause your need for a quick bad credit loan, the lenders above put the power back into your hands and give you the chance to get back on your financial feet in no time. As always, be sure you repay your loan as specified in the terms to avoid late fees and excessive interest. Besides, used properly, these loans may just help improve your credit, making for better terms and easier approvals in the future!