After you submit your information, it takes only a few minutes to receive your loan offer. Most of the time you'll get multiple offers and you can choose the one that suits you best. We get that. If you had perfect credit and could walk into any bank and get a loan, you probably wouldn't be here. So your credit is a probably a little or a lot dinged.
Don't worry. Most of our lenders don't even look at your credit report. That means - no hassles, no embarrassment about your credit report, and no face-to-face rejections. Our online process enables you to avoid a lot of tedious paperwork (like the bank asks for). You won't waste your time driving around town enduring awkward face-to-face meetings with lenders who don't really want to lend to you anyway.
Don't worry. Most of our lenders don't even look at your credit report. That means - no hassles, no embarrassment about your credit report, and no face-to-face rejections. Our online process enables you to avoid a lot of tedious paperwork (like the bank asks for). You won't waste your time driving around town enduring awkward face-to-face meetings with lenders who don't really want to lend to you anyway.
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Yes, you can get a loan if you have bad credit, but it will cost you more than an excellent-to-good credit loan. That's why it is always important to ask yourself why you need the money and if it is really worth the extra cost. If you face a true financial crisis than borrowing money with a bad credit loan can be a smart decision.
So let's start with your credit. If you don't know much about credit reports and scores, don't worry. We have a credit guide that will walk you through all the details of what a credit score is and help you figure out if your credit is excellent, good, average or bad. If you have excellent credit, you can start by going to your local bank or credit union.
Have you ever been rejected for a loan because you had bad credit? If so, I have some GREAT news. You CAN fix your credit score and get approved and a better interest next time you need to get a loan. All it takes is a little know-how, some discipline and some patience. It won't take forever, but it may take six months or more to see a significant increase.
A Debt Consolidation loan helps you to combine several (or all) of your unsecured debts (credit cards, personal loans, payday loans, cash advances)into one, a new loan that has a better interest rate, monthly payment or both. You figure out all your debts or the debts you want to combine into one loan.
Everyone could use a little extra cash every once in a while, but we all know that money does not grow on trees. There are more people today that are living from paycheck to paycheck than there were just a few months ago. Living like this never leaves any money at the end of the day to stash away in a savings account.
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