bad credit · need money
Need Money Fast With Bad Credit?
You may still have personal loan options, so check what you may qualify for and compare the cost before you accept.
Fastest Path
See personal loan options you may qualify for now.
Find your loan nowAffiliate disclosure: LendMail may earn a commission if you apply through this link. Not all applicants are approved. LendMail is not the lender.
How this works
Follow the link to review the provider’s application process, eligibility requirements and loan terms. LendMail is not a lender and does not make approval decisions.
Know the cost before you accept
- APR: the yearly cost including interest and some fees. Bad-credit loans can be expensive.
- Fees: origination, late and other fees.
- Repayment: monthly payment, number of payments and total amount repaid.
- Borrow only what you can repay. Missing payments can add fees and hurt your credit.
Be careful with payday loans
The CFPB says a typical two-week payday loan with a $15-per-$100 fee equals an APR of almost 400%. Payday lenders generally don't check whether you can repay, and some states allow rollovers that add more fees.
Other options to consider
- Ask your bank or credit union about a small-dollar loan.
- Ask creditors or billers for a payment plan.
- Talk with a nonprofit credit counselor.
FAQ
Can I get a loan with bad credit?
Possibly, but approval isn't guaranteed and rates may be high.
Is LendMail the lender?
No. LendMail is an independent guide.
How fast will I get money?
It depends on the lender and its verification process. Check the terms you're offered.