Bad Credit Loans At The Snap Of A Finger

Don't let bad credit stop you from borrowing. You can apply for Bad Credit Loans online with Finger Finance and borrow $100 to $35,000 over 1 to 60 months. Apply online and we will match your application with a trusted lending partner at your fingertips!

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on
the mean APR of the lenders we work with

How to Apply for a Bad Credit Loan with Finger Finance

Start your application in less than 5 minutes using our online enquiry form – and you will get an instant decision on the screen. There are no fees for using our service and an application will not impact your credit score. If approved, you could receive funds into your bank account within a few hours, the same day or next business day.

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Step 1 - Apply Online

Fill in your information using our form – choose how much you wish to borrow and how long you would like to borrow for. This process takes less than 5 minutes!

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Step 2 - Receive a Loan Offer

We will match your requirements with the lender who is most likely to approve you and give you a competitive rate on the screen. There are no fees and you can choose to proceed if you wish!

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Step 3 - Receive Money

If your loan application is approved, you can receive the full loan amount into your checking account within 24 hours or the next working day.

What is a Bad Credit Loan?

A bad credit loan allows you to borrow money specifically if you have a poor or less than perfect credit score. Whilst credit scores are an essential part of any loan application, there are a number of US lenders who specialise in offering loans for people with bad credit histories. Simply because you have been declined in the past or have defaulted on previous loans, does not mean that you cannot access the funds you need. 

Taking your current situation into account, you may find that you can be approved based on having a stable income and employment and you may be able to borrow money at affordable rates. Or if you have bad credit, you may find that your loan terms are adjusted slightly, such as being charged a higher rate or you have the option to repay in multiple installments. 

In some cases, you may be required to use collateral or security, such as a title loan or car loan. Either way, Finger Finance is on hand to match your enquiry with the lender who is most likely to approve you – and it is completely free of charge.

Can You Offer Bad Credit Loans with Guaranteed Approval?

If you are looking for bad credit loans with approval guaranteed, this is not something that we or any lender can offer. Every loan application will be subject to approval and checks will need to be carried out to ensure that the borrower can afford to make repayment without falling into financial difficulty.

However, we are delighted to offer a viable solution that can help to connect your loan enquiry with a number of reputable lenders who are ready and willing to fund loans with poor credit. So rather than going to each lender one-by-one and facing possible rejection, Finger Finance aims to save you time and effort, whilst maximising your chances of being approved with a legitimate lender – and helping you to get the money you need immediately.

Am I Eligible for a Bad Credit Loan?

  • Must be over 18 years of age
  • US citizen
  • Live checking account (to receive funds)
  • A steady income of min. $800 monthly
  • Able to make repayments

Can I Get a Loan with Very Bad Credit?

Yes, it is possible to apply for a loan with a very bad credit history, since there are many lenders who specialise in this area. Whether you are looking to borrow $100, $500 or $5,000, there are very bad credit lenders who are willing to take a view on things other than your credit score, such as your income, employment status, living status, amount you have requested to borrow and purpose of your loan.

The bad credit loan companies who have partnered with Finger Finance are less interested in your past, but more interested in your future. So whilst you may have had a credit blip in the past, if you are currently earning a stable income and are committed to paying your loan every month on time, they will gladly consider your application. 

Where Can I Find a Bad Credit Loan Near Me?

We are pleased to offer a number of options for loans for bad credit near me, including:

California, Florida, Illinois, Louisiana, Ohio, Texas, Tennessee

Types of Bad Credit Loans

  • Auto and car loans
  • Cash advances
  • Installment loans
  • Payday loans
  • Secured loans
  • Title loans

Can I Get a Bad Credit Loan on The Same Day of Applying?

Yes, we can offer same day loans for bad credit and with a completely online application, your loan can be processed, approved and funded within 24 hours or just a few hours after applying. 

Smaller amounts such as $200 and $300 can typically be funded on the same day or in 1 hour and this process is usually fully automated and approved online. For larger amounts such as $1,000, $2,000 or $3,000, this may take a little longer and the lender may need to confirm your income and employment when making a decision. 

If you have been recommended a secured, home or auto loan, the lender will typically need to confirm the ownership and value of your collateral – so this could take just a couple of days to confirm and to transfer the funds to your account.

Do You Offer Emergency Loans for Bad Credit Histories?

Yes, our loans are perfect for emergencies and urgent bills, since you can get approved, receive all the money upfront and then make repayments over several months. This can help to pay for your emergency immediately and then you have the flexibility to spread repayment over several months and get back on your feet.

If you need to borrow a few hundred or thousand dollars, our loans are commonly used for home loans, home repairs, broken boilers, plumbing problems, car repairs, medical bills, paying rent or helping to clear other debts. With a fully online process, we are in the perfect position to help you today.

Can You Provide Bad Credit Loans with No Credit Checks?

If you are looking for bad credit loans with no credit checking, this is something that Finger Finance can help with. Whilst credit checks are commonly used to confirm eligibility for personal and payday loans, you may be looking to avoid these checks in the fear that you may be declined immediately. 

If this is the case, our loans connection service will simply recommend other viable products, including those which include security or collateral such as home loans or title loans, or we may suggest an app or credit union as the best fit for you!

How Do Repayments Work? And What Happens if I Cannot Repay?

Your repayments are typically collected in equal monthly installments for the duration of the loan, whether it is 3, 6, 12 or even 60 months.

You will have a scheduled repayment date each month, on a day that you choose, which is typically the last working day of the month or the day that you get paid from work. With a reminder by email and SMS, you will be told how much the repayment will be that month and when it will be coming out of your bank account.

Your repayments are handled automatically so you do not need to call up the lender or go to the bank, since this is all processed by the lender to make your life easier.

Although bad credit loans can last for 12, 24, 36 months or longer, you will always have the option to repay early if you want to and you will often save money on the interest for doing so!

Why Should I Apply for a Loan for Bad Credit with Finger Finance?

At Finger Finance, we are proud to offer a free, responsible and affordable way to apply for loans for bad credit. We understand how hard it can be if you need money for an urgent bill and find that you are getting declined and not making any progress.

But with our loans connection service, we can maximise your chances of approval and match your loan enquiry with the lender who is most likely to approve you and offer the best rates.

With no upfront fees, no obligation and no impact to your credit score, we are on hand to help you every step of the way and that is our pinky promise! 

To get a loan decision in less than 5 minutes, simply click on the ‘apply now’ button below and you can enter your details online today!

Frequently Asked Questions About Bad Credit Loans

Is Pheabs a Direct Lender?

No, we are not a bad credit direct lender, we act as an introducer, using thousands of data points to connect your loan requirements with the best loan company who will accept your criteria and offer the funds you need. 

How Much Does a Bad Credit Loan Cost?

If you are looking at a title loan or payday loan product, the APR is typically around 300% to 600% APR – and this may seem high but it is because these products are usually used for a few weeks or months, but the APR calculates the product as though it was for an entire year. As a result, to get the true cost, consider looking at repayment examples or using the calculators provided.

How Do I Check If I Have Bad Credit?

If you think that you might have a bad credit score, you can use information from one of the credit reference bureaus such as Transunion, Equifax and Experian. Whilst there is an ongoing fee for this, you can request a free copy or a free trial and this will tell you your credit score (ranging from 0 to 999 or 0 to 5) and also give you some recommendations on how you can improve it too.

Will Applying Impact My Credit Score?

No, applying for a bad credit loan with Finger Finance will not impact your credit score. However, it is important to note that making a lot of applications during a short space of time may look suspicious and give the impression that you are in desperate need of funds.

What Happens if My Loan is Declined?

If your loan is declined, you can have peace of mind that there will not be any fees charged, no impact to your credit rating and your data will not be sent to any other companies without your permission.

Will Paying Back on Time Improve My Credit Score?

Yes, by making regular repayments each month, this will naturally build up your credit score and demonstrate your ability to repay loans on time. However, you should not use high cost loans or payday loans as a way to purposely boost your credit score.

Do I Need To Use Collateral?

Depending on the loan product, you may be required to use collateral or security in the form of a car (auto or title loan) or property (home loan) to be eligible. Your loan may also be unsecured, in the form of a payday or personal loan product depending on your requested loan amount and personal criteria.

What Alternatives Are There?

If you have not found success with bad credit loans, there are a number of viable alternatives including borrowing from family and friends, using a credit union or selling items that you do not need anymore through apps or yard sales. However, if you are looking for an online solution that is free to apply, Finger Finance is delighted to help you today.