How to get a personal loan with a bad credit history


There is nothing that can make you feel bad like the inability to get a loan for the time you need. Raison? Bad credit history. Having a bad credit history is something that can rob you of a lot of good loan deals.

However, no one ever wanted to be in a situation with a bad credit rating. But, uncertainties arise and you end up in such cases. However, you may need to get a loan to settle an emergency at some point in your life.

Fortunately, some lenders are ready to help, regardless of your bad credit history. You will need to fill out forms online and you will be good to go.

Let’s see the lenders who can save you in case you need a financial boost.

1. Vivapayday ready

Vivapayday is a platform where borrowers meet lenders willing to give them loans regardless of their bad credit. The many lenders on the forum can help you if you don’t have a bad or bad credit history. Most of the lenders here don’t perform credit checks for their clients, which means you can get a payday loan as long as you are 18 and over.

You can get a payday loans Australia to Viva payday loans from $ 100 to $ 5,000 and pay it back from 3 months to 24 months. Moreover, it will only take you 2 minutes to receive a decision on whether or not to get the loan you requested. So if you need a loan to cover an emergency, Vivapayday is the place to go.

Another good thing about Vivapayday is that there are no upfront fees or costs when applying for the loan. Moreover, besides payday loans, you can also get installment loans on the platform.

The APR of lenders on the platform ranges from 5.99% to 35.99%. However, to benefit from a Vivapayday loan, you must have a stable income of $ 1,000 or more, and you must be a US citizen.

2. HeartPaydays

Heartpaydays is another loan platform for meeting different lenders who can help you with your bad credit history. With a FICO credit score of 600, you can get a good loan on the Upstart platform. However, those who have a lower credit score or have no credit history can also get a loan on the platform.

On the platform, you can get a loan from $ 1,000 up to $ 50,000, and you can pay it back in 36-60 months. You can use the loan to refinance your car, consolidate debt, and renovate your home. The APR ranges from 6.95% to 35.99%.

3. Main Financial

At OnemainFinancial, you can also get loans regardless of your bad credit history. You can use the loan for any emergency or to consolidate your debts. The limits range from $ 1,500 to $ 20,000. You can repay the loans on this platform from 24 to 60 months.

The APR ranges of 18.00% to 35.99%, and there is an origination fee of 1% to 10%. Plus, if you don’t pay off your loan on time, you’ll have to pay late fees of up to 15%.

4. Before

Before is yet another loan platform where you can get a loan with bad credit history. The APR on the platform ranges from 9.95% to 35.99%. You can also get a loan of $ 2,000 to $ 35,000.

When you apply for a loan from Avant, you will receive the money in your bank account within one business day. So, if you have an emergency, you can consider applying for a loan on the platform.


All of the above platforms allow you to apply online. They can also help you rebuild your credit score. Remember, you should focus more on building your credit score. So make sure you can comfortably repay the loans you get from these lenders.

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