Bad Credit Loans in USA

Bad Credit loan calculator

Loan details

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Your loan estimate

Monthly payment

$175.79

Total principal $5,000.00
Total interest payments $1,328.27
Total loan payments $6,328.27
Payoff date 07 / 2029

How it works

  • Search lenders near you
    Browse our directory by state, city, and loan type to find lending companies that serve your area.
  • Compare your options
    Review lender profiles, customer ratings, requirements, and our guides to weigh your choices side by side.
  • Choose what fits
    Pick the lender and loan type that match your needs and budget — at your own pace, with no pressure.
  • Apply directly with the lender
    Connect with the lender or lending partner to apply. Any loan decision and funds come directly from them.

United States Personal Loan Directory

Bad Credit Loans in USA Explainer Video

Pros and Cons

Pros

  • Reduced interest rates than in the case of credit cards and other lending forms
  • Rapid distribution of money
  • Review your rate free from a harsh credit inquiry
  • There is no required security deposit
  • Regular payments help your credit score

Cons

  • Interest rates raised for bad credit
  • Application costs
  • Longer times for repayment
  • One-time funding
  • Defaulted payments negatively affect credit

FAQ

Bad Credit Loans rates

How's your credit? Score range Estimated APR

Excellent

720-850

Varies

Good

690-719

Varies

Fair

630-689

Varies

Bad

300-629

Varies

  • Easy and Confidential

    We use industry-recognized security and advanced encryption technology to protect your personal information.

  • Get approved fast

    You can have a response from one of our lenders the same day, and often within minutes.

  • Convenient

    After your lender has taken and approved your request, cash will be deposited directly into your bank account. That means you don’t have to take a trip to the bank to endorse and deposit a check or pay check-cashing fees.