Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers

Bridge Your Financial Gaps Even with Bad Credit

Online Loans for Bad Credit

  • No Obligation Online Quote
  • Loans from $100 to $5000
  • Apply 24X7- Day or Night
  • Instant Online Decision

Representative example:  $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers***. Loan term lengths from 3 to 36 months for qualified consumers.

Online Loans for Bad Credit
Online Loans for Bad Credit
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Loan Prospects for All

Loan Prospects for All

Credit score aside, we are here to help. Just take a few minutes to fill out our simple form & check your eligibility.

Get quick decision

Get quick decision

We prioritize quick processing for your convenience. Upon approval, you will receive a no-obligation quote from the lender.

Direct Deposit

Direct Deposit

If accepted, you may receive funds in your bank account on the same day and may delay sometimes due to internal bank & lenders' policies.

Why choose us?

Zero fees

We at Shorttermcredits aim to secure the finest deal without any hidden charges.

Easy Online Process

Effortlessly submit your loan request swiftly in mere moments with our digital approach.

Instant funds

Upon approval, expect your finances to be in your account within a day or the next business day.

Why Choose Us

Lender Match-Made Easy

We undertake the task of exploring a diverse range of lenders to find the best loan options.

All credit score welcome

Preserve your credit standing with our approach that lessens the need for multiple credit inquiries.

No obligation

Obtain a quote with just a few clicks, free from the obligation or commitment.


Is it possible to apply for an online loan for bad credit without a guarantor?

Yes, applying for an online loan is possible even with bad credit and no guarantor. Online lenders assess creditworthiness using income, employment history, and other eligible aspects rather than just credit scores. Loans aimed at those with poor credit typically come with elevated interest rates, more limited borrowing amounts, and quicker repayment schedules, reflecting the heightened risk carried by the lender. Non-payment could further harm your credit score and lead to a debt cycle due to high-interest rates and fees.

The loan application process typically involves filling out an online form with personal and financial details to assess loan eligibility. You may receive quick decisions. Ensure you explore all possible alternatives before applying for a bad credit loan. It's crucial to thoroughly review the loan contract, comprehend the payback conditions, and verify that the lender is authorized.

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Is it possible to obtain a bad credit loan with no credit check?

There are no such loans that you could get without a credit check. Following the Financial Conduct Authority (FCA) norms lenders should conduct basic credit checks to assess the borrowers' eligibility. Obtaining a bad credit loan involves a 'soft' credit check or alternative creditworthiness evaluation methods, like evaluating income or banking history. Online lenders offer such loans, which might be small and come with high-interest rates and fees due to the associated lending risk. Providing quick cash can lead to high costs and debt if not repaid on time.

The application process is simple. All you have to do is, submit personal and financial details and proof of income. Approval is often quick, with funds deposited into your checking account. Due to the high costs and potential risks, these loans should be a last resort. Make sure to understand all the loan terms and associated costs before agreeing.

Emergency Loans from $100 to $5000

How can I find a direct lender who provides loans for people with bad credit?

Yes! You can find a direct lender providing loans for bad credit, but it requires careful research. Start by compiling a list of online lenders specializing in bad credit loans and check each one's reputation via reviews, ratings, and standing with the Better Business Bureau. Ensure they're licensed to operate in your state due to varying state regulations. Compare their interest rates, fees, and terms, especially the annual percentage rate (APR).

We work with a panel of reputed lenders who offer loans even with bad credit. You can fill out a loan application form through us online and get an instant quote. Our loan matching service will do the valuable research and comparison work for you to save time, speed up the process and increase your chances of approval across multiple lenders instead of going to just one. We want to inform you that we have zero involvement in approving loans or involving in the lender's decision-making process. We do not influence these matters.

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Is it possible to get a same-day loan with bad credit?

Acquiring a same-day loan with bad credit might be feasible. It entirely depends on the lender, the time of your loan application, the precision of the data, and your financial circumstances. These loans are often intended for emergencies and are usually processed quickly. However, they typically come with higher interest rates and fees compared to traditional loans due to the increased risk involved for the lender.

Numerous online lenders process applications quickly and can transfer funds to your account on the same day of approval. However, it largely depends upon lenders, and sometimes delays may be seen due to lender & bank internal policies. When seeking a bad credit loan, the typical process involves completing an online application where you have to provide details about your personal and financial situation. The lender will promptly evaluate your submission, and should it be approved, you could see the loan amount reflected in your bank account upon approval on the same day.

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Eligibility Criteria

Your Financial Concern, Our Focus

Eligibility Criteria

Caught in a financial crisis? Are unexpected bills or expenses piling up? Are traditional loan solutions not meeting your needs?

We get the tension that sudden expenses bring. At, we're here to connect you with a lender who can provide swift and easy credit solutions to address those unexpected costs.

APR Disclosure & Range connects you to various lenders or lending partners, but we are not the lenders ourselves. Consequently, we cannot determine your final Annual Percentage Rate (APR). The APR we display is an exemplar, calculated using data from the diverse range of lenders we work with. Depending on several factors like credit score, state, and the specific lender or lending partner the typical APR ranges from 4.95% at its lowest to 35.99% at its highest. The repayment period can vary from 61 days at the least, up to a maximum of 48 months.

APR Disclosure Range

Please note that the extremely low rates of 4.95% are only available to certain qualifying customers. The details shared below are examples and are only intended to provide an understanding of what your terms might look like; they may not match your actual offer.

THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS. simply connects you to lenders or lending partners where the lenders or lending partners will dictate the exact terms and conditions of the loan. The compensation received from these lenders or lending partners may influence the offers you receive. All figures provided, including APR, loan amounts, and interest, are illustrative and actual figures will vary. Some lenders or lending partners may perform credit checks as a part of their approval process. Always look at all your options together before making any financial decisions. It is also worth noting that you might relate to a tribal lender, whose rates and fees may exceed those of state-licensed lenders and who are governed by federal and tribal laws, not state laws.

Service Availability

Where you live can change a lot about how personal loans work. Every state has its own rules about regulations concerning and governing matters related to personal loans which can affect your loan amount, APR, and repayment term.

Material Disclosure

As the operator of this site, our role is that of an advertising referral service to lenders who may offer loans ranging from $100 to $5000. Our service is free to use, and your loan application will be forwarded to one or multiple lenders. We here aim to connect you with a lender who can help. Lenders make decisions based on their risk to offer credit, so you may not always get the exact amount you are requesting nor an approval for your loan request. We receive compensation from lenders and other advertising partners for our advertising services. Short term loans should not be seen as long term financial solution.

Frequently Asked Questions

We do not charge any fees for applying with us. We offer a free-to-use loan matching service that connects borrowers with multiple lenders with just one online form. We receive a commission from the lender after an applicant’s loan approval. Bad credit loans are loans designed for people with poor credit histories. They often come with higher interest rates because lenders perceive a greater risk in extending credit to people with a history of failing to make repayments on time. Before finalizing any loan agreement, it is critical to thoroughly examine its terms & conditions to ensure you comprehend all the potential fees involved from the lender side. However, it may vary depending on the lender and the loan. Additionally, beware of the lenders who guarantee approval without a credit check or require payment upfront. These can be signs of a scam.

We do not conduct any credit checks. Applying for a bad credit loan through us connects you with a suitable lender using our loan matching service. After submitting the loan application, lenders will conduct a soft credit search to assess your eligibility and present you with a no-obligation loan quote. If you accept any lender's offer, your application is subject to the hard credit search.

Absolutely Yes! you can still apply for a loan irrespective of the credit score and check your eligibility. Even though your credit score plays a major role in the loan approval journey, remember, it's not the only aspect that matters. Lenders may also consider your employment status, income, loan-repaying ability, and other eligibility factors. One should understand that individuals with subpar credit ratings might be subjected to increased interest rates on their loans. It is because lenders often see them as a higher risk compared to those with good credit. We work with a panel of lenders and brokers who connect you with a suitable lender offering loans between $100 to $5000. Apply through us & get an instant quote under no obligation to accept it. Remember, we don't have any influence over lenders' decisions or approvals. Please go through the terms and conditions carefully before proceeding with any loan agreement.