MoneyMutual
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ZippyLoan
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MarketLoans
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LifeLoans
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Amount: $100 - $40,000
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Min. Credit Score: 0
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APR: Vary
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Approval: < 1 Day
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Terms: 1 - 60 months
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VivaLoan
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NextDayPersonalLoan
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OppLoans
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Amount: $500 - $4,000
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Min. Credit Score: 0
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APR: 59% - 160%
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Approval: < 1 Day
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Terms: 9 - 18 Months
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We recommend alternative payday loans for those with really bad credit who can't qualify for a personal loan. These companies are more expensive than personal loans but much better than payday loans. The company offers loan amounts ranging from $500 to $4,000, with APRs that range from 59% to 160%. Loan duration range from 9 months to 18 months, but people can choose to give their money back in a month. OppLoans charges zero prepayment penalties. Their loans are unsecured, which means no upfront collateral is required, and as you continue to make on-time payments, you build your credit score in the process. Moreover, if your loan is approved, you can receive funds in as little as one business day.
Pros:
- Quick approval process.
- Those with poor credit can still qualify.
- OppLoans offers installment loans.
- Loans are unsecured and do not require any collateral.
- There are no prepayment penalties.
- OppLoans offers refinancing options to select borrowers.
- Alternative loan sites like OppLoans have lower APRs than payday or car title loans.
- No origination fees.
Cons:
Best for: Really Bad Credit
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Best Personal Loans for Bad Credit of July 2025
Wait! Are you sure that your credit score is so bad? People with bad credit get approved on personal loans with APR between 15% to 35.99%. Try them before you apply for alternative payday loans.
BadCreditLoans
$500 – $10,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
ZippyLoan
$100 - $15,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
NextDayPersonalLoan
$100 - $40,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
CashUSA
$1,000 - $10,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
Upgrade
$1,000 - $50,000
Min. Credit Score: 560
< 1 Day Approval
Apply Now
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NetCredit
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Amount:
$1,000 - $15,000
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Min. Credit Score:
0
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APR:
34% - 155%
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Approval:
1 Day
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Terms:
6 – 60 Months
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RiseCredit 
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Amount:
$500 - $5,000
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Min. Credit Score: 0 |
APR:
60% - 299%
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Approval:
1 Day
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Terms:
4 - 26 Months
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PossibleFinance 
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Amount:
$50 - $500
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Min. Credit Score: 0 |
APR:
151% - 257%
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Approval:
1 Day
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Terms:
1 - 24 Months
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FigLoans 
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Amount:
$50 - $1,000
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Min. Credit Score: 0 |
APR:
35.99% - 211%
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Approval:
1 Day
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Terms:
1 - 6 Months
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BadCreditLoans
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Amount:
$500 - $10,000
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Min. Credit Score:
0
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APR:
5.99% - 35.99%
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Approval:
< 1 Day
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Terms:
3 - 36 Months
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When we talk about bad credit loans, BadCreditLoans.com should always be at the top of our list! And there is a good reason for that. BadCreditLoans have helped millions get a personal loan, while so many people still pay insane interest on their payday loans. BadCreditLoans.com is a leading company helping people with really bad credit. They are NOT a payday loan company! They are a huge marketplace connecting people with bad credit with lenders offering UNSECURED bad credit loans. The company offers loans of $500 to $10,000, APR 5.99% to 35.99%. And bad credit is always approved ... in less than a day. In fact, this is the most successful personal loans company for bad credit that we at ElitePersonalFinance know. Whether you want to get a bad credit loan or refinance your existing payday loans with one cheaper loan, try BadCreditLoans.
Pros:
- The Best in The Bad Credit Business!
- Easy and fast approval.
- Unsecured loans.
- Those with really bad credit get approved.
- APRs are in the personal loan range, which means less than 5.99% to 35.99%.
- Not a payday loan company.
- Amount of up to $10,000.
- Huge lending network.
- Free to register and no obligation to accept any offer.
- The minimum credit score required is 0.
- No hard inquiry on your credit score, so registering won't lower your credit score.
Cons:
- For those with really bad credit, expect high APRs ranging from 15% to 35.99%.
- People with really bad credit can’t expect to qualify for the highest amount of $10,000, but they can expect up to $1,500.
- Not all loans get approved.
Best for: Really Bad Credit
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CashUSA
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Amount: $500 - $10,000
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Min. Credit Score: 0
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APR: 5.99% - 35.99%
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Approval: < 1 Day
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Terms: 3 - 72 Months
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Designed specifically for those with bad credit, CashUSA offers installment secured personal loans for people with bad credit. APRs range from 5.99% to 35.99%, but even if you have bad credit, putting collateral to your loan can lower the APR as low as 10%. CashUSA offers loans up to $10,000, but according to their website, the amount can be increased under certain conditions. But remember, if you fall behind on your payments, there is a chance you could lose your car. We only recommend secured loans if you’re sure you can repay the debt on time and in full.
Pros:
- Easy approval.
- Those with really bad credit can still be approved.
- The company applies personal loan APRs ranging from 5.99% to 35.99%.
- People with bad credit get as low as 10% APR.
- Borrowing amounts can exceed $10,000, but you have to speak with them directly.
Cons:
- Secured loans put you at risk of losing your collateral.
- Bad credit means a higher APR, although it’s still much lower than a traditional car title loan.
Best for: Secured Personal Loans
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PersonalLoans
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Amount: $1,000 - $35,000
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Min. Credit Score: 580
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APR: 5.99% - 35.99%
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Approval: < 1 Day
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Terms: 3 - 72 Months
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PersonalLoans offers unsecured loans ranging from $1,000 to $35,000, and because the company only requires a minimum credit score of 580, PersonalLoans is a great place to obtain a bad credit loan. Its APRs range from 5.99% to 35.99%, but you need to have some form of recurring income to qualify. It can be full-time employment, self-employment, regular disability, or Social Security benefits. Loans are not available to residents in Arkansas, Georgia, or New York.
Pros:
- Low credit score requirements of 580.
- Low-income requirement of $1,000.
- Bad credit is ok.
- The highest amount allowed is $35,000.
- Available in many states.
Cons:
- People with really bad credit can’t apply.
- You can’t have an account with a late payment for longer than 60 days or a recent bankruptcy.
- You can’t have any recent charge-offs or late payments.
Best for: Bad Credit
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Best Loans for Really Bad Credit of July 2025
ZippyLoan
$100 - $15,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
BadCreditLoans
$500 – $10,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
CashUSA
$1,000 – $10,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
NextDayPersonalLoan
$100 - $40,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
PersonalLoans
$1,000 – $35,000
Min. Credit Score: 580
< 1 Day Approval
Apply Now
If your credit score is really bad and you can’t qualify for a none of these, there are other options. These loans are more expensive, but the approval rate is high.
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Alternative Payday Loan
