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Bad Credit Loans

Credit scores are the meat and potatoes for interpreting one’s financial credibility. It is a number that shows the worthiness of a person to avail a loan. The credit scores are evaluated by gathering all the information related to credit reports that have been sourced from the different credit bureaus. The financial institutions like banks and other private financial capitalists or credit card companies evaluate these credit scores and related information of an individual and decide whether the person is worthy of a loan.

Bad Credit Loans

The credit scores are maintained well if you pay all your bills on time and if there are no unpaid debts or payments under your name. If you do not pay your bills on time or if you have accumulated debts, then the credit score will decrease and you will be considered to have a bad credit. Having a bad credit is very disadvantageous in many situations. Most financiers will avoid giving you a loan during emergencies if you have a history of bad credit. However, there are a few private money lenders who will provide bad credit loans.

What are Bad Credit Loans?

The loans that are offered to a person in spite of having a bad score are called as ‘bad credit loans’. These kinds of loans will attract a higher interest rate than the normal interest rates imposed on a bank loan. But still, these loans are the saving graces when an immediate loan is needed especially during emergencies.

Having a bad credit score will lessen the chances of getting a loan approved by the conventional banks. It is very likely that your loan application will get rejected right away if you have a flawed credit history. At such times, it is only sensible to opt for short-term loan lenders who will provide the much-needed bad credit loans.

Why Do You Get a Bad Credit?

If you have defaulted a scheduled payment in the past or if you have not paid your bills on time or if you have taken too many loans and are now unable to manage and pay them, the credit score falls down under the general perception that you do not have the credibility of making a payment. However, it is not always a fraudulence or laziness or incapability to manage our finances that leads to a defaulted payment. There could be many genuine reasons behind a defaulted payment or an undue bill. It is not right that because of a low credit score, you be ousted from the possibility of getting an emergency loan. This is when the short-term loan lenders are the most helpful.

How to Apply for a Bad Credit Loan?

The first and the most important step would be to explore and make an orderly list of all the reliable money lenders around your place. The next step would be to compare the APR and the other terms amongst these listed lenders. Then, shortlist the favorable ones who are offering the terms that are suitable to your preferences. Study carefully the terms, fees, and understand the requisites well. Carry the needed documents for the verification process. Discuss openly the reason for taking the loan, your income levels, your limitations, or any such issues with the lender. Chalk a suitable repayment schedule which usually ranges from the payday to a few months depending on the loan amount. Keep the whole process transparent and make sure there are no hidden fees, etc.

So, if you need a quick short-term loan with a low credit score, visit us at and we will connect you with reliable lenders who will provide you quick bad credit loans.


Running short of cash for the month? Easily available small cash amounts on a short term basis. Apply now!

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Why Choose Instant Credit Loans?


Affordable Interest Rates

We avoid penalizing interest rates and offer rates that are fair & reasonable.
loans up to

Screened Lenders

We offer loans from screened & verified vendors to ensure your safety & ease of repayment.
lower apr

High Approval Rates

We understand your need for quick & assured loan approvals & strive towards higher loan approval rates.


The offered loan amount ranges from $100 up to $10,000 for personal loans and from $5000 up to $750,000 for business loans.

The full form of APR is Annual Percentage Rate. In the banking & financial industry, this denotes the rate at which you can borrow a particular loan. Usually, APR is high for borrowers with a bad credit history or the borrower is borrowing for a long period of time. APR is also dependent upon individual lenders & the rate at which they prefer to lend.

To be eligible for the loan, you need to:
1) Be at least 18 years old
2) A citizen of the United States of America
3) Have an active bank account
4) Show proof of regular income
5) Have a valid email address
6) Be a resident of a state which allows payday loans at the offered rates

Depending on the lender, you can mostly pay by an electronic fund transfer to your lender’s bank account. For certain lenders, you might be able to pay via your debit card. Please ask your lender for details.

Many lenders prefer an early payback given that most of these loans are of small amounts. There is no foreclosure penalty charged, as done by banks & financial institutions.

Instant Credit Loans is known to provide payday loans, installment loans, title loans and line of credit at affordable rates. Our lenders are carefully screened to protect your interests. Backed by an easy to use platform, we pride ourselves in some of the lowest annual percentage rates (APRs) in the industry.

APR Disclosure: is a third-party aggregator & not a direct lender and therefore will not have say over the annual percentage rate (APR) you will be offered. Prior to loan application, we will provide a representative APR based on data aggregated from multiple lenders. Our APR usually ranges from 5.99% to 35.99% depending on a host of factors. APRs increase proportionately to the repayment terms which is anywhere between 61 days to 180 months. Your actual rate depends on your loan amount, credit score, loan term and credit usage & history. It is agreed upon between you and your lender.

Representative APR Example:

$1,000 loan over a 12-month term would have a total payback amount of $1,134.72, APR 29.82%. Loan amount doesn’t need to be paid at once and can be done in instalments.