EvenFinancial
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ZippyLoan
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FundsJoy
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Amount $100 - $5,000
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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 - 36 months
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SuperMoney
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Amount $1,000 - $100,000
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Min Credit Score
0
but 620 is Recommended
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APR 4.99 - 35.99%
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Approval 1 Day
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Terms 12 - 120 months
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There are plenty of services in the marketplace, however, SuperMoney is the best! This company works with thousands of loan companies, lenders credit unions and so on, so finding you a loan will be easy. And they work different. Instead of getting your personal details and sending is to list of their lenders, like other companies do, SuperMoney will ask you to complete their form one time and directly list you offers that are available to you. There is a big difference because you directly get personalized offers based on your financial situation and your personal information is not send to list of lenders, like other sites do. After that, you can pick the best for you. Click offer details below each and you will find all of the information you need to know regarding APRs, repayment terms and fees. Best of all, the service is completely free and requires no obligation.
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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 to get personal loan, while so many people are still paying insane interest on their payday loans. BadCreditLoans.com is a leading company helping people with really bad credit. They are NOT payday loan company!They are huge marketplace connecting people with bad credit with lenders offering UNSECURED bad credit loans. The company offer 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 bad credit loan or refinance your existing payday loans with one cheaper loan, try BadCreditLoans.com .
Pros:
- The Best in The Bad Credit Business!
- Easy and fast approval.
- Unsecured loans.
- Those with really bad credit get approved.
- APRs 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.
- 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 qualify for the highest amount of $10,000, they can expect up to $1,500.
- Not all loans get approved.
Best for: Really Bad Credit
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LoanServiceUSA
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MarketLoans
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Best Debt Consolidation Loans for Bad Credit 2021
BadCreditLoans
$500 – $10,000
Min Credit Score: 0
< 1 Day Approval
Apply Now
CashUSA
$1,000 – $10,000
Min Credit Score: 0
24 - 60 months
Apply Now
LendJetFunds
$100 – $10,000
Min Credit Score: 0
1 – 60 Months
Apply Now
SignatureLoans
$1,000 – $35,000
Min Credit Score: 0
2 - 5 Years
Apply Now
Personal Loans
$1,000 – $35,000
Min Credit Score: 580
36 - 72 month
Apply Now
If your credit score is bad, you can try to consolidate your loans with some of these companies.
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CashUSA
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Amount $1,000 – $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 2 – 5 Years
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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 a 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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OppLoans
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Amount $1,000 – $5,000
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Min Credit Score 0
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APR Vary By State
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Approval < 1 Day
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Terms 9 – 36 Months
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For those with really bad credit, who can't quality for a personal loan, we recommend alternative payday loans. These companies are more expensive than personal loans, but much more better than payday loans. The company offers loan amounts that range from $1,000 to $5,000, with APRs that range from 99% to 199%. Loan duration range from 9 months to 36 months and 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:
- Easy approval process.
- Those with very bad credit can still get approved.
- Opploans offers installment loans and lines of credit.
- Opploans does not check your credit score but will assess your financial transaction history.
- 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.
Cons:
- APRs are high, ranging from 99% to 199%.
- Loan origination fees range from 0% to 3% and other fees can apply.
Best for: Really Bad Credit
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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 90 Days – 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 to qualify, you need to have some form of recurring income. It can be full-time employment, self-employment, regular disability or Social Security benefits. Keep in mind though, 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.
- 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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LendingPoint
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Amount $2,000 - $25,000
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Min Credit Score 585
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APR 9.99% - 35.99%
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Approval 1 - 3 Days
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Terms 24 - 48 months
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LendingPoint has APRs that range from 9.99% to 35.99% and the company offers unsecured loans that range from $2,000 to $25,000. But, to qualify, you must have an annual income of at least $20,000 and a minimum credit score of 585. You can choose between bi-weekly or monthly repayment, and the company looks at factors other than just your credit score to determine whether or not you qualify: factors like your credit history, employment status and credit card debt, Keep in mind though, loans are not available to residents in Colorado, Nevada, Maine, Maryland, Massachusetts, Connecticut, Wyoming, Wisconsin, Vermont, New York or West Virginia.
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Peerform
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Amount $4,000 - $25,000
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Min Credit Score 600
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APR 5.99% - 29.99%
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Approval 1 - 7 Days
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Terms 36 - 60 months
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RocketLoans
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Amount $2,000 - $45,000
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Min Credit Score 580
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APR 7.16% - 29.99%
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Approval 1 Day
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Terms 36 - 60 months
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Upstart
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Amount $1,000 - $50,000
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Min Credit Score 600
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APR 8.69% - 35.99%
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Approval 1 Day
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Terms 36 - 60 months
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MarinerFinance
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Amount $1,000 - $25,000
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Min Credit Score 600
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APR 24% - 35.99%
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Approval 1 - 3 Days
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Terms 12 - 60 months
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