Fill your complete application and you could have the money by 01:44:34am
Personal Information

Requested Amount


First Name*

Last Name *

Date Of Birth *

Best time to Call*


State *


Employment Information

Months at Address*

Driver license*

Are you active military person?*

Are You a HomeOwner?*

Income Type*

Gross Monthly Income*

Job title*

Months Employed*

How Often Are You Paid?



Financial Information

Type of Account*

Direct Deposit

Debit Card


Loans for People with Bad Credit

Imagine this! Your car has a flat tire and you use it every day to go to work. You don’t have sufficient funds in your account and you are on the verge of going bankrupt. You have forgotten how to save a few pennies in the past few months. You don’t want to ask for help from friends and family as it will hurt your ego. You have a low credit score so the bank does not provide loans for people with bad credit. And you are left scratching your head about what you should do next. Do not worry and apply for a short-term loan with us at

Loans for people with bad credit

Typically short-term loans are small sized loans that should be repaid in a short tenure that is usually the next payday. Sometimes, depending on the income levels, type of the loan, and the loan amount, the loans may be repaid as installments. The facility of short-term loans is available easily which can be accessed conveniently and approved quickly. The system of short-term loans is unique and advantageous as it provides the much-needed personal loans for people with bad credit.

Here are a few things what you should know about before applying for a short-term loan.

• Eligible criteria –To qualify for a short-term loan, you will have to be of 18 years or above, a permanent US resident, with a steady and flowing income into an active checking account.You should be living in a state that legally approves following the practice of short-term loans. If you do not have documented proof to confirm any of the above criteria, then your loan application may not move ahead.

• Zero Collateral – Most lenders do not ask for collateral or cosigner while processing a short-term loan. However, if it is a bigger loan amount or a huge installment loan, then they may ask for a guarantee or a cosigner.

• No Credit Checks – The private lenders do not consider the credit scores as a criterion to qualify for a loan approval. They will provide personal loans for people with bad credit scores also.

• Considerable APR- Since a collateral is not needed and they provide personal loans for people with bad credit scores, there is always a risk that the lender might lose the money he lent. So, to safeguard the money lent and his business, they will impose considerably APR. It is important to research and compare the APR imposed by the lenders and choose the ones that are suitable to your preferences.

• Easy Processing – As compared to the banks, the private money lenders have a softer verification process and loan processing system. They do not involve elaborate paperwork like the banks do, which is a time-saving process. Also, the no credit check criterion is very beneficial.

• Quicker Approval Times - If you are in a situation where you need immediate money, then the bank is not a place where you can get an immediate loan approval. In such situations, the money lenders are the guardian angels who approve the short-term loans in a few hours or maximum by the next business day.

• Online Options – Many lenders provide simple online tools so that you can file a loan application from anywhere. This is more convenient as the traveling time is also reduced and the lender will transfer the money by wire in your checking account after the loan has been approved.

• Stay Aware – Pay attention and stay away from scammers. Keep the whole loan process documented with photocopies of all the documents. Do not pay any advance money or any hidden fees.

So, be wary of the fraudulent lenders and look on our website at for licensed lenders who will provide you a suitable short-term loan according to your circumstances on a quick basis.


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

Conventional & safe. Access your installment loan & pay back at your own pace. Apply now!

Unlock the financial power of your car. Use it as collateral for the cash you need. Apply now!

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.