10 Best Bad Credit Loans Online With No Credit Check Lenders Guaranteed Approval For USA (2022)

Mihai-Alexandru Cristea 17/09/2022 | 15:48

What if having bad credit didn’t have to be all that bad for you? Well, it doesn’t! Believe it or not, the online finance world has changed, with bad credit loans readily available to borrowers of all types and financial backgrounds. Of course, eligibility criteria still apply with bad credit loans, and if you make use of a loan-finder service, you’ll be connected with a lender most likely to assist you. 


If you’re a borrower with a less-than-perfect credit score, bad credit loans through the right loan-finder service can help you save time and frustration. And to help you find the right loan-finder offering access to bad credit loans, we’ve put together our editor’s pick of the top US providers. Check it out below!


Best Loans for Bad Credit – Quick Overview 


  • Heart Paydays: Best for Loans with Bad Credit for Unemployed Individuals



Best Bad Credit Loans Online Guaranteed Approval of 2022 

#1. Low Credit Finance: Overall Best for Personal Loans for Bad Credit 

As far as inconveniences and hold-ups in life go, bad credit takes the proverbial cake. It can seem like having a bad credit history spells doom for financial assistance for the rest of your life, but the reality is that personal loans for bad credit are readily available online via Low Credit Finance.

If you’re hunting for personal loans for bad credit, and want to know that you’re not wasting time asking for credit from lenders unlikely to assist you, using the Low Credit Finance platform is your best bet. Via Low Credit Finance, you can access personal loans for bad credit ranging from $100 to $5000. Borrowers directly discuss repayment terms with the lender, with average repayments ranging from 3 to 24 months. What’s more is that lenders on the Low Credit Finance platform work with borrowers to set repayments in place that suit their schedule of monthly income – meaning, you can opt for weekly, fortnightly, or monthly debits. 

It’s not just speedy loan processing, bad credit options, flexible loan amounts, and convenient repayments that caught our eye when considering Low Credit Finance for our number one pick! The varying interest rates on personal loans for bad credit also impressed us, with some of the more competitive borrowers offering APRs as low as 5.99% and some charging as much as 35.99%. 

Eligibility Requirements for Personal Loans for Bad Credit

  • ID required to apply
  • Applicants must be over 18
  • Minimum earning requirement set at $1000 per month
  • Proof of address and income required to apply

Pros of Personal Loans for Bad Credit

  • Apply online in under 10 minutes
  • Bad credit borrowers are welcome to apply
  • Approved loans honored within 60 minutes

Cons of Personal Loans for Bad Credit

  • APRs can soar as high as 35.99%

Click Here To Apply Online & Get Loans For Bad Credit Today >>

#2. Viva Payday Loans: Best for Bad Credit Loans Guaranteed Approval

Coming in second place on our list of top providers of bad credit loans guaranteed approval is Viva Payday Loans for their uncomplicated application process and super-speedy approval and payouts. 

Viva Payday Loans ensures that borrowers don’t spend more than just a few minutes of their time completing the online application. Once submitted, the waiting period for feedback is only around two minutes. If a lender can assist, Viva Payday Loans doesn’t interfere in the process but rather transfers the borrower to the lender to complete setting up the bad credit loans guaranteed approval loan contract. 

Loan contracts at Viva Payday Loans typically span 3 to 24 months, with loan amounts starting from $100 and reaching as high as $5000. This means that everyone, from the person who just needs a few bucks to get through the month to those who need to pay for a car or an expensive trip or emergency, can get what they need at Viva Payday Loans. 

With interest ranging from 5.99% to 35.99% on bad credit loans guaranteed approval, anyone who doesn’t want to or can’t get a loan from the local bank can benefit from such loans on the Viva Payday Loans platform. 

Eligibility Requirements for Bad Credit Loans Guaranteed Approval

  • Over 18s only
  • Earn at least $1000 per month
  • Valid social security number required

Pros of Bad Credit Loans Guaranteed Approval 

  • Flexible loan repayment periods
  • Same day approval and payout
  • Loans up to $5000 available

Cons of Bad Credit Loans Guaranteed Approval

  • Expensive form of borrowing

Click Here To Apply Online & Get Loans For Bad Credit Today >>

#3. Big Buck Loans: Best for Hassle-Free Online Loans for Bad Credit

As far as no-frills-no-fuss borrowing goes, Big Buck Loans steals the limelight. This particular loan finder offers online loans for bad credit ranging from $100 to $5000 with up to 2 years to pay. Of course, the amount you can borrow depends on how much you can afford to repay, and so Big Buck Loans carries out affordability assessments on borrowers. The loan’s affordability is an important factor in the outcome of your application – which means that borrowers with bad credit scores can still get online loans for bad credit in most cases. 

Loan applications are processed quickly via Big Buck Loans. Once you’ve submitted an application, you’ll know if a lender can assist you within a matter of minutes. This cuts down a lot of time spent searching for lenders and instead, puts you in direct contact with lenders most likely to assist you. 

Most borrowers are concerned about the interest they will be charged, which is reasonable at Big Buck Loans. At the same time, each lender on the panel determines its interest rate, most charge between 5.99% and 35.99% on online loans for bad credit

Eligibility Requirements for Online Loans for Bad Credit

  • Applicants of 18+ only
  • $250 per week, or $1000 per month earnings
  • Income vs. expenses comparison required

Pros of Online Loans for Bad Credit

  • Find the right lender for you for free!
  • Quick online application form
  • 60-minute payouts

Cons of Online Loans for Bad Credit

  • Interest as high as 35.99%

Click Here To Apply Online & Get Loans For Bad Credit Today >>

#4. Heart Paydays: Best for Loans with Bad Credit for Unemployed Individuals

It’s not just bad credit borrowers that get to apply for loans with bad credit online via Heart Paydays! Those who have no formal employment can use Heart Paydays as a loan-finder service to connect with lenders offering loans with bad credit for all kinds of borrowers. 

There’s no shortage of choices when it comes to applying for loans with bad credit via Heart Paydays! In fact, the loans range from $100 to $5000 with 3 to 24 months to pay. And while interest on bad credit loans is typically high, with the lenders on the Heart Paydays panel offering APRs between 5.99% and 35.99%, it’s still considered fairly reasonable in terms of online loans with bad credit. 

As an unemployed or self-employed borrower, you’ll need to provide proof of your income. Your income must be at least $1000 per month, and you can prove this with your bank statements or tax returns. 

Eligibility Requirements for Loans with Bad Credit

  • 18+ year-olds can apply
  • US bank account that supports direct deposit
  • Earn at least $1000 per month
  • Provide proof of address, proof of income, and positive ID

Pros of Loans with Bad Credit

  • Loans approved and paid out on the same day
  • Apply without leaving your home or office (100% online)
  • Flexible loan amounts and repayment periods

Cons of Loans with Bad Credit

  • Expensive interest rates

Click Here To Apply Online & Get Loans For Bad Credit Today >>

#5. Green Dollar Loans: Best for Instant Approval Installment Loans for Bad Credit

For loans that get paid out within 15 to 60 minutes, Green Payday Loans is a top pick! This loan-finder cuts out the hassle associated with getting finance and makes applying for installment loans for bad credit quick and easy online. 

Loan amounts available via Green Dollar Loans vary depending on the lender but generally range from $100 to $5000 with 3 to 24 months to pay. The interest rate is high but considered reasonable in the industry, ranging from 5.99% to 35.99%. 

Online installment loans for bad credit applications via the Green Dollar Loans website are quick and easy to process. You only need a few minutes to complete the online form, and a few minutes later, you’ll get feedback on your application. What’s great about installment loans for bad credit via Green Dollar loans is that you can get access to a small to medium-sized loan even if you have bad credit or aren’t traditionally employed. 

Eligibility Requirements for Installment Loans for Bad Credit

  • Minimum earnings to require set at $1000 per month (or $250 per week)
  • Positive ID required
  • Applicants must be no younger than 18

Pros of the Installment Loans for Bad Credit

  • Choose from flexible loans and repayment periods
  • 5.99% starting point for interest
  • 60-minute payouts

Cons of Installment Loans for Bad Credit

  • High interest rates

Click Here To Apply Online & Get Loans For Bad Credit Today >>


What Are Personal Loans with Bad Credit & How Do They Work?

Bad credit loans are short-term loans provided to individuals with less-than-stellar credit scores but who still meet the eligibility requirements and can prove the loan’s affordability. When personal loans with bad credit are provided to bad credit borrowers, a higher-than-average interest rate can be expected due to the risk to the lender. This interest can start as low as 5.99% but can go as high as 35.99%. Smaller personal loans with bad credit are typically paid in a few months, but the higher amounts, up to $5000, are paid over longer terms of up to 24 months. 


How to Apply for Personal Loans Bad Credit

It’s quick and easy to apply for personal loans bad credit. Follow these simple steps below:

Step 1: Choose the Required Personal Loans Bad Credit Amount & Term

To start the application process for personal loans bad credit, begin with selecting how much you need to borrow and for how long.

Step 2: Fill Out the Personal Loans Bad Credit Application Form

When you know how much you need and how many months are required to pay it back, you can take the next step by completing the quick and easy online application form. 

Step 3: Get Feedback on Your Loans for Bad Credit Online Application Within a Few Minutes

Around two minutes after submitting your loans for bad credit online application form, you’ll receive feedback. If a lender can assist you, you’ll finalize the details directly with them and be furnished with a loan contract to read through.

Step 4: Sign the Loan Agreement & Get the Bad Credit Personal Loans Cash

Once you’ve received the loan contract, take some time to read through the terms and conditions before signing and getting it back to the lender. Once the lender has checked everything over, they’ll honor the bad credit personal loans agreement by depositing the money into your bank account.


Features & Factors of Loans for People with Bad Credit

Loans for People with Bad Credit Amounts

How much is available via a lender is important when hunting for loans for people with bad credit. The amounts available typically range from $100 to $5000.

Disbursement of Funds on bad credit loans online

Quick payouts should be an important deciding factor when choosing a lender. For example, lenders on the Low Credit Finance panel offer quick disbursement of funds, paying out approved loans within 60 minutes.

Bad Credit Loans Online Interest Rates

Interest can be high on loans for bad credit. Always investigate the interest rate on offer when applying for personal loans for bad credit. APRs generally range from 5.99% to 35.99%. 

How Did We Choose Online Loans for Bad Credit Providers?

We kept a lookout for the following attributes when piecing our editor’s top pick of the top bad credit loans guaranteed approval providers:

  • Fast turnaround on loan approvals.
  • Loan amounts up to $5000.
  • Loan options for bad credit borrowers.
  • Easy repayment terms with debits that can be set up weekly, fortnightly, or monthly. 
  • Interest rates that go no higher than 35.99%.



While comparing the top providers of installment loans for bad credit, it’s evident that Low Credit Finance is an industry leader assisting thousands of Americans in getting the cash they need in a hurry. Of course, the other loan-finders reviewed above are also viable service providers to borrowers seeking out affordable, low-cost loan options that are quickly and easily available online. Online applications are typically fast to process and, if approved, paid out on the same day. 


What Loans Can a Person with Bad Credit Get?

If you’ve got bad credit and you’re searching for loans for bad credit online, there are various types of loans available to you on the market. These include payday loans, personal loans, car title loans, payday alternative loans, pawn loans, and so on.

Can I Get Bad Credit Loans if I Have a Low Income? 

You can apply for bad credit loans online if you have a low income, as long as your monthly income is no less than $1000 per month. 

Are Bad Credit Loans Available to Unemployed Individuals?

Yes, but you still have to earn the minimum monthly income required in order to qualify for a loan. The minimum income requirement for bad credit personal loans is $250 per week or $1000 per month. You won’t have a payslip to prove your income, but you can use your bank statements and/or your tax returns are proof of income.  


Disclaimer: This is a paid advertisement. The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice, please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only. The owner of the loan website(s) may be paid commission by a third party if you make a request for a loan.

BR Magazine | Latest Issue

Download PDF: Business Review Magazine April 2024 Issue

The April 2024 issue of Business Review Magazine is now available in digital format, featuring the main cover story titled “Caring for People and for the Planet”. To download the magazine in
Mihai-Alexandru Cristea | 12/04/2024 | 17:28
Advertisement Advertisement
Close ×

We use cookies for keeping our website reliable and secure, personalising content and ads, providing social media features and to analyse how our website is used.

Accept & continue