7 Easy Bad Credit Loans from Top Lenders That Say YES!

Last Update: September 25, 2023 Loan Reviews Loans

If you need fast cash and you have bad credit, then your options are limited. In this case, most people end up getting payday loans with a super high APR. And if they don’t pay it on time, they end up in a debt cycle.

The number of companies offering personal loans at reliable rates to people with bad credit increases every day. And, as many financial experts claim, this is a trend that will continue. We recommend reading our advanced guide on easy and fast bad credit loans for people who want to get more advanced information and tips on what to do in a situation like this. We also highly recommend that you watch our video on how to get a personal loan even if you are with bad credit.

Below we list the best options available for people looking for easy bad credit loans.


Loan Amount:$500 – $4,000
APR:59% – 160%
Min. Credit Score:0
Approval:< 1 Day
Terms:9 – 18 Months
Origination Fee:N/A
DTI Ratio:N/A

OppLoans is a company that can help people with very bad credit. Although some people call them payday loans, and these companies have many similarities with payday loans, they are NOT payday loans. We call them alternative payday loans. These were created to help people avoid payday loans if they are in a bad financial situation. They are somewhere in between personal loans and payday loans. Traditional payday loans have an APR of 400%, which is too high. OppLoans APR is 59% to 160%. That is high, but still much better than 400%. You can get up to a $4.000 loan.


  • OppLoans works with very bad credit and can be used to avoid payday loans.
  • Lower APR than payday loans.
  • Alternative payday loans work with people to help them repay their debt instead of getting them in a debt cycle. People who build a credit score, return the money on time, or even just watch educational credit score materials can get approved to lower their APR and increase the amount.
  • The minimum credit score required is 0.
  • Very fast and easy approval.
  • More flexible terms than with traditional payday loans.


  • The APR is higher than with traditional personal loans.
  • The amount is lower than with traditional personal loans, typically around $4,000.
  • Some experts