Shopping for a great lender is difficult enough without having to find one that can get you the money quickly. 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. So, whether you’re looking for a cash advance or a personal loan, we’ve got you covered. Many of the firms below will overlook bad credit scores, 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.
MoneyMutual
-
Loan AmountUp to $5,000
-
Loan TermVaries
-
APRVaries
Features & Benefits
- Application takes less than 5 minutes
- Get a decision on your loan within minutes
- Funds are available within 24 hours
- Trusted by more than 2,000,000 borrowers
MoneyMutual is an online marketplace of lenders. They make it quick and easy to find a short-term cash advance loan in as little as 24 hours.
One application can potentially get you multiple loan offers. MoneyMutual has been trusted by more than two million customers. They serve borrowers with bad credit from all 50 states except New York and Connecticut.
CashUSA
-
Loan AmountUp to $10,000
-
Loan Term3 – 72 months
-
APR5.99% – 35.9%
Features & Benefits
- Flexible borrower requirements
- Loan request can be approved within minutes
- Money deposited as early as 1 business day
- All credit types accepted
CashUSA connects borrowers with lenders. Each application is sent to the lender most likely to lend to the borrower. This platform caters to a diverse range of credit profiles, making it more than just a broker for those with poor credit.
Interest rates vary depending on the lender, so make sure you read through the terms for each emergency loan before you choose. Applying online only takes a few minutes, and funds are often available the next day.
BadCreditLoans.com
-
Loan Amount$500 – $10,000
-
Loan Term3 – 60 months
-
APR5.99% – 35.99%
Features & Benefits
- No cost 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
Bad Credit Loans is an online lender marketplace that allows you to connect with multiple lenders by filling out a single application. The service is 100% free.
Once you’re approved, your lender will provide you with the APR, loan fees, and other terms.
Read through the terms, compare all the offers you’ve received, and only accept the loan you’re most comfortable with. You are not obligated to accept the personal loan from any lenders that you are matched with.
PersonalLoans.com
-
Loan Amount$1,000 – $35,000
-
Loan Term3 to 72 months
-
APRVaries
Features & Benefits
- Multiple loan types available
- Fast loan decision
- Funds deposited as soon as you accept an offer
- Nationwide availability
You can get a loan through PersonalLoans.com with credit scores as low as 600. Each lender in their network offers its own unique interest rates.
The quick and easy online application only takes minutes. You’ll have a decision within a business day of submission.
CashAdvance.com
-
Loan Amount$200 to $10,000
-
Loan Term7 days to 12 months
-
APRVaries
Features & Benefits
- Response by email or phone within minutes of submitting request
- Money deposited as soon as the next business day
- High approval rate even with bad credit
- Trusted since 1997
CashAdvance.com provides a free service that quickly connects customers with lenders that offer short-term loans that may work for them.
Whether you have an emergency or an unexpected expense, this online lender may be able to help you out quickly.
Specialized Bad Credit Loans: Auto Loans and Auto Loan 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 loans give the bank collateral (in the form of your car), they often come at lower interest rates. This is even more important when you consider the high price of those items.
Many people mistakenly believe that auto loans are only available to those with good or excellent credit. Having a good credit score can certainly help you get better loan terms. However, it’s definitely possible to get the things you want even if your credit is below average. Here are some auto loan lenders that can help make your dreams come true, even if you’re not quite pushing 800.
Auto Credit Express
-
Loan Amount$20,000 – $45,000
-
APR3.99% – 29.99%
-
Loan TermVaries
Features & Benefits
- Minimum Credit Score: 400
- Helps car buyers who have low credit scores, bankruptcies, or repossessions.
- Allows cosigners
Auto Credit Express has been issuing bad credit auto loans since 1999. They work with a network of dealer partners to help you find an auto loan quickly. You can find auto financing even if you’ve filed for bankruptcy in the past or have no credit history.
To qualify, you must have a full-time job and earn at least $1,500 per month. You can submit a prequalification form online in as little as 30 seconds. Same day approval is available for a loan.
Keep in mind that Auto Credit Express will match you with a local lender after shopping around to help you find the best financing deal. They also won’t work with any private sellers, so you must consider financing a car from a dealer or legitimate car lot.
Carvana
-
Loan Amount1,000 – $100,000
-
APR3.90 – 27.90%
-
Loan TermVaries
Features & Benefits
- Minimum Credit Score: 450
- Application process 100% online
- Get pre-qualified with a soft credit check
Carvana saves you time by allowing you to get preapproved for financing before you even start searching for a vehicle. It takes just 2 minutes to get preapproved on their site, and this has no effect on your credit.
While there is no minimum credit score to qualify you for a loan, you must choose a vehicle from Carvana’s inventory. Once you receive your financing rate from Carvana, it’s good for 45 days.
Car.Loan.com
-
Loan Amount$7,500 – $45,000
-
APR3.0 – 25.00%
-
Loan Term36 – 72 months
Features & Benefits
- Help individuals with little to no credit
- No monthly income requirements
- Get approved in less than 30 minutes
Car.Loan.com offers fast and easy approvals if you’re looking to finance a car with bad credit. They’ve teamed up with the nation’s largest network of auto dealers who are trained in special finance.
The online application only takes 3 minutes to complete and same-day approval is available. There is no minimum credit score requirement. However, each lender has their own requirements, so your dealer options may vary.
Still, this is a solid option to consider since Car.Loan.com is geared toward borrowers with bad credit or no credit history.
myAutoloan
-
Loan Amount$8,000 – $100,000
-
APR3.69 – 21.00%
-
Loan Term24 – 72 months
Features & Benefits
- Minimum Credit Score: 575
- Up to 4 lender matches with a soft credit check
- Get approved within as little as 30 seconds
MyAutoLoan.com offers bad credit auto loans for both used and new vehicles. This online lending network connects you with local dealers so you can get offers quickly.
They also have a free interest-rate estimate feature so you can get a clear view of what your interest rate might be given your current credit score.
Applying to finance a car with bad credit on the site is easy. Just select the type of loan you’re looking for, then complete a quick and secure online application. It generally takes less than a few minutes to receive a decision and compare offers for an auto loan.
