Bad Credit Loans
Unsecured Payday Loan Debt Consolidation: $500 to $5,000
Consolidating payday loans with 400% to 1500% interest rates will save you money. OppLoans offer an installment loan which provides equal payments over a set period of time to get rid of payday loans.
Payday Alternative Loans (PAL's)
The Credit Union working alongside the US Federal Government has developed a program called Payday Alternative Loans (PAL's) to help people stuck in revolving payday loans.
Loan amounts $200 to $1,000.
Must be a credit union member for one month
Loan terms range from 1 to 6 months
There may be a fee for setting up the application of $20.00
Contact this link to get some help.
Bad Credit Auto Financing
If you are searching for an auto loan up to $45,000, look no further. This auto loan provider specializes in auto loans for any credit score. Give them a try today. Auto loans -- Bad Credit? No Credit? No Problem!
Auto Financing or Refinancing
If you are looking for a new car or need to refinance your existing car, LendingTree may be your solution.
Secured Credit Cards
- No Credit History or Minimum Credit Score Required for Approval
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Nationwide Program though not yet available in NY, IA, AR, or WI
Unsecured Credit Cards
Get the security and convenience of a full-featured, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Checking Account Required
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; First Access may approve you when others won’t
- Easy and secure online application
- If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Credit Card Hardship Program
You can call the hardship department with credit card providers and request a new payment plan. Depending on the circumstances, the credit card provider may suspend use of the credit card until it's paid off in full. This is a much better step than letting the credit card go to collections.
Debt Relief or Debt Settlement
Another option to consider debt relief or debt settlement. They can help you work with creditors and will explain your options. You can call them at the number below or click this link to go to their site now.
Business Loan Refinancing
We have added a number of business loan providers that will look at a debt consolidation loan with credit scores starting at 500. Some conditions apply including the time in business and gross annual revenues.
Best Secured Bad Credit Loan Options
Most lenders are looking to provide money to people with security. The lenders want their money to be protected with your assets for collateral. If you do try to apply for a loan with bad credit, having security can go a long way. Security refers to the equity in your home, refinancing your vehicle or finding a co-signer. The lender will place a lien against your asset to secure the loan. Even when you are using security, it can be difficult getting aa secured loan. Lenders still check your payment history as they do not want to risk having to repossess your assets. If you are planning on using security to secure your loan, you are risking the possibility of losing your assets if you default on the loan payment.
Cash Advance Payday Loan
Personal Loan Provider Offering Co-Signing
Stephanie contacted America Loan Service looking for a bad credit loan for $1,000 with a credit score of above 450.
She had badly damaged her credit when she missed a payment on her credit cards for over 3 months. She is back working now and trying to get some money to get back on her feet.
Cash Advance for $1000 - Sacramento, California
Searching loans frequently impact borrowers credit scores. Once denied, individuals, undergo alterations to their credit. Stephaine experienced variations to their credit during the application of this $1000 loan. Stephaine had an initial credit score of 476.
- When it comes to Equifax, Stephaine had an initial credit score of 476, and so Stephaine has a bad credit score
- When it comes to Transunion, Stephaine had an initial credit score of 459, thus Stephaine has a bad credit score
- On the Experian system, Stephaine had a 486 credit score, a bad credit score
Stephaine was accepted by Cash Advance with bad credit rating.
Stephaine has a Fico score of 476. This is a bad credit score
Stephaine had a Transunion score of 459, looked upon as bad credit
Stephaine has an Experian score of 486. This is a bad credit score. If your rating is bad like Stephaine, it will affect your chances of obtaining a loan
The loan officer was only willing to provide a secured loan and Stephanie was unable to find a co-signer and did not have the property or a vehicle to secure the loan.
Unfortunately, due to the amount of debt that Stephanie had, her monthly income and low fico score, we were unable to help her find a loan. Instead, Stephanie is looking for debt relief and /or settlement. We suggested that she contact Novita and work towards correcting her credit habits.
While the situations highlighted are real, the names and some locations have been changed to protect our readers. We would appreciate your input on our website. Please do not give us your last name and try to keep the information in your testimonial quite general. It is the overall topic that everyone relates to and they appreciate your comments. When you send your comments, it will be reviewed within 24 hours and you will be notified if they are published.