Bad Credit Short Term Loans Direct Lenders Only

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If you have bad credit and need a quick loan, there may be some lenders who specialize in loans for people with less-than-perfect credit. These specialized lenders may be more willing to approve you than traditional loan websites.

When shopping around for the best deal, compare interest rates and fees. Typically, lenders charge higher interest rates and origination fees to those with poor credit histories.

Advance America

Advance America, established in 1997, provides a range of loan products such as payday loans, installment loans and auto title loans. Their user-friendly online application and swift approval process make getting cash easy – you could get approved within an hour!

Installment loans are longer-term financial arrangements that enable you to borrow a fixed amount and repay it over time. They can be beneficial for those with poor credit histories, since you have the flexibility of choosing a repayment term that works within your budget.

Payday loans are short-term, small-dollar loans that you can use for everyday expenses or unexpected costs. They usually need to be repaid within two to four weeks.

Installment loans are also offered through Advance America’s physical locations. All you need to do to apply is present a government-issued photo ID, proof of income and your Social Security number.


Upstart is an online lending marketplace that uses AI-driven algorithms to review loan applications. It provides unsecured loans for various purposes, such as home improvement, relocation, debt consolidation and medical expenses.

Upstart takes into account credit scores and other factors to determine a borrower’s eligibility for a loan, which can be advantageous if you have bad credit or no credit history. They offer various payment options like autopay and multiple ways to pay by check or bank account.

Upstart also allows borrowers to adjust their payment dates an unlimited number of times using their online system, making Upstart an attractive choice for those needing more flexibility than their average personal loan offers.

Upstart’s rates are on the higher end compared to other lenders, but they can be a viable option for borrowers with average or no credit. However, their origination fees and interest rates may be higher than what other lenders provide, so do your due diligence before signing up.


BadCreditLoans is an online service provider for those in need of quick cash loans. These loans offer temporary solutions to cover emergency expenses or other unanticipated costs.

The site also provides financial advice to help people improve their credit scores and avoid debt emergencies. It has tools for comparing rates, repayment terms, and fees from various lenders.

A bad credit personal loan can be beneficial for a number of purposes, such as paying off high-interest debt, purchasing a new car or appliance, and making home improvements. Most personal loans require fixed monthly installments over two to seven years that must be repaid in equal payments.

Before selecting a bad credit loan, assess the lender’s annual percentage rate (APR) and origination fee. These charges can be either an exact dollar amount or percentage of the total loan amount. Be sure to also look into late or non-sufficient fees as well as prepayment penalties.

Credit Karma

Credit Karma is a free online service that provides credit scores, monitoring and other financial tools. They also offer complimentary federal and state income tax preparation services as well as tailored recommendations for credit cards and loans.

Credit Karma uses your personal information to send targeted advertisements and product recommendations. This is a common business model among many online companies, enabling the firm to monetize the data it collects.

Your credit score is an integral component of your overall credit profile and can determine whether you get approved for a loan, purchase a car, or move into a new home. Furthermore, it helps protect you against identity theft.

Credit Karma provides free access to TransUnion and Equifax credit information and reports, as well as daily credit monitoring from those two bureaus. It also features a credit simulator that helps users visualize how certain financial actions (like opening a new credit card) will impact their score.

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