We’re a broker not a lender, but we’ll still make sure that the loan is affordable. Even if you don’t have a perfect credit history, we’ll try to help.
Bad Credit Loans At The Snap Of A Finger
Don't let bad credit stop you from borrowing.
We will match you with a trusted lending partner at the snap of a finger!
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
Bad Credit Considered
The Right Fit
We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find the right loan for you.
Unaffected Credit Score
When making an enquiry, our soft search loans will check on the basis of your credit record without leaving a visible footprint.
Do I Need a Bad Credit Loan?
Bad credit loans can be payday loans but are more likely to be repaid in instalments. With a payday loan, you’d need to pay back in one sum, typically within 30 days. This can be more difficult to manage with a larger loan, so you can choose to pay in instalments over a period of months or years. The lenders we work with are flexible: you can choose to make your loan repayments weekly, fortnightly or monthly, depending on your pay-date.
Finger Finance works with over 50 lenders who can offer bad credit loans, with funds available on the same day of enquiring. Start by clicking on the Get Started Now button below and you will be taken to our straightforward loan request form page where you can get started. You will receive an instant decision on the screen with an offer from one of our partnered lenders, and then you have the option to proceed and if successful you will receive funds usually within 1 business day or less.
How To Get a Bad Credit Loan with Finger Finance
There are many types of loans, some with higher interest rates than others. But even if you have a bad credit history, there are borrowing options that won’t charge overly high levels of interest. Short term loans can often work out to be the cheapest option, but it’s a good idea to assess all the choices available to you.
The general criteria for our lenders is as follows:
- 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
The criteria will vary between lenders and some will be stricter than others. To confirm income and employment, some lenders may carry out a phone call with you or request additional information such as a pay-slip or bank statement.
Finger Finance takes into account factors apart from credit rating. We work with many different lenders who can assess individual cases in order to determine whether they approve a loan. The approach is more personalised as they look at the individual rather than just their credit score. This way they can determine if it is a reliable borrower and assess the right type of repayment plan (over as much as 60 months).
If you’re looking to borrow up to $5000, and feel a loan is the best solution, Finger Finance will do our best to help you find the right direct lender.
What is A Bad Credit Loan?
A bad credit loan is a specific loan designed for those with a bad credit score. Typically, lenders use bad credit as a reason to not lend money which can cause many problems for those looking for short-term credit. However, with bad credit loans, lenders assess the borrower’s needs using other criteria.
Why Would You Need a Bad Credit Loan?
Being held back by your credit history can be incredibly frustrating, especially when needing to access funds quickly. A bad credit loan can cover you when unexpected circumstances arise, regardless of your credit score.
Typically they are used in situations where you need money quickly and unexpectedly including emergencies, pending bills or repairs. Finger Finance will match you with a lender who looks past your bad credit score to help you get back on track quicker.
How Do I Know If I Have Bad Credit?
Your credit history depends on your past financial decisions. This could be as a result of missing payments or paying the bare minimum on your credit cad monthly. However, it can also occur by accident, for example falling victim to identify theft.
Whatever the cause, it is important to try and combat this and restore your credit history for the future. This makes any future borrowing much easier.
How to Apply with Finger Finance
We offer a completely online application. Once you click on get started now, the form provided by Finger Finance asks a few simple questions including the loan amount you wish to borrow and how long for. You can request a loan for bad credit, short-term loans from $100 to $5000, to be repaid over up to five years. We will ask for a few personal details, your employment information and your income as well as expenditure details. We understand that you’ll often need quick cash in an emergency, so we’ll get back to you with an instant decision.
As a broker and not a lender, we won’t pay the funds directly into your bank, but pass on your details to the lender we match you with. We’ll search our panel of lenders to find the right fit for you, with the best interest rates. If approved, you could have the funds in your account in as little as an hour. So if you’re looking for a same day loan for people with bad credit, we may be able to help.
Are you experiencing long-term financial issues?
Long-term financial difficulties such as unemployment should not be a reason to take out credit. Borrowing could end up costing you far more in the long run, as there isn’t a guarantee that you’ll be able to make the agreed repayments. For advice about your financial situation, you can speak to your local Citizens Advice Bureau for free.
Are you able to save up instead of borrowing?
As you won’t have to pay interest this way, it would be the cheaper option. If you’re able to save the money and wait to buy something, this could be the best option.
Are you taking out credit to pay back other loans?
Borrowing to pay back other forms of credit is not a good idea, as you’ll most likely end up borrowing more and more, entering into a spiral of debt. If you wish to speak to someone about your debts, there are a number of services that can offer free impartial advice.
Once you have made sure that short-term borrowing is the best option, you can complete our short loan request form.
Even if you have bad credit, Finger Finance may be able to put you in touch with a lender, so that you can borrow up to $5000 depending on your credit limit.
As a broker, not a direct lender, we’ll try our best to match you with the perfect lender. By using our completely free services, you could save yourself the time and hassle of enquiring through multiple lenders’ sites. You can also be certain that we only work with lenders that are authorised and regulated by the Financial Conduct Authority (FCA).
If you have a bad credit history, taking out a loan can be more difficult. Finger Finance aims to help you request a loan suitable for those with a less than spotless credit file as well as better your credit rating.