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Apply for Personal Loans for Bad Credit
Borrow $100 to $35,000 with Finger Finance

If you are looking for a Personal Loan for Bad Credit, Finger Finance is here to help! Borrow $100 to $35,000 with very poor credit or no credit history, and with a number of flexible options available, you just need to be employed with a stable income. Check your eligibility by clicking on the 'Get Started' button below!

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 Do I Get A Bad Credit Personal Loan?

With Finger Finance, it has never been easier to apply for an online personal loan with bad credit. Our service, which connects applicants to over 50 direct lenders, means you can get a loan in less than 5 minutes by filling in our simple application form.

Whether it’s $100 or $5000 you require, our process is quick and easy with funds deposited into your account as quickly as 1 hour, the same day, or the next working day!

Simply click ‘Apply Now‘ to borrow money today.


Step 1 - Apply Online

Use our online application form to fill in details about yourself, how much money you are looking to borrow, and how long you need it for.


Step 2 - Get Your Offer

We will match your requirements with the lender that is most likely to approve you and you will then see your rate on the screen. This process is completely free with no obligation to proceed.


Step 3 - Receive Your Funds

If your loan gets approved the money can be in your account as soon as the same day or next working day!

Where Do I Get Personal Loans For Bad Credit Near Me?

Finger Finance works with several bad credit lenders across the US, which means no matter where you live, we hope to be able to assist you in finding the best personal loans for bad credit.

No matter if you have good, bad or poor credit, you will just have to fill in our quick and easy application form and our service will match you up with the best lender that suits your loan amount and requirements. Some of the states where you can apply for a personal loan with bad credit include:


Can I Get Personal Loans For Bad Credit With Instant Approval?

Yes, with Finger Finance, your online application can be completed in less than 5 minutes. Once submitted, you will receive a decision straight away on the screen, to let you know if you have been instantly approved for a personal loan. If you choose to proceed, you will receive the funds within 1 hour, the same day, or the next working day.

Don’t worry, even if you receive instant approval for your bad credit personal loan, if you decide not to proceed, you won’t be charged any fees, and there will be no impact on your credit score.

If you feel like you are ready to apply, click the button below to get started and we’ll keep our fingers crossed!

Can I Get A Personal Loan For Bad Credit With A Low Income?

Yes, absolutely! At Finger Finance, our direct lenders take many factors into account when looking into your eligibility for a loan. You need to make sure you have the basic requirements in order to apply for a bad credit personal loan online, which you can find listed below:

  • Aged 18 or over
  • Earning a steady income of at least $800 per month
  • US Citizen
  • Have access or own a mobile phone
  • Must have a live checking account for us to deposit the funds into

As long as you can meet these minimum requirements, our lenders will be happy to look at your application and try to get you the best rates possible.

Do You Offer Personal Loans With No Credit Check?

Finger Finance will consider applicants that want a no credit check personal loan, but when it comes to lenders wanting to check your eligibility for a loan they will most likely need to conduct a credit check to make sure that you are able to repay the loan amount.

You are still able to fill in our application, as only a soft credit search is performed at this point, which will leave no mark on your credit score. If you are looking for no credit check loans, there are other products available, such as title loans, however these do usually require collateral against the loan amount.

Do You Offer Small Personal Loans?

Yes, Finger Finance offer loans from $100 to $35,000. You can apply for personal loans through our online application form, which you’ll be able to complete in less than 5 minutes.

Our approval process is quick and easy, you will have an instant decision appear on the screen once your application is complete, to let you know whether you can borrow a personal loan online.


A personal loan can be used for a variety of bills and expenses. Common uses include:

  • Home Improvement Bills
  • Medical Expenses
  • Refinancing a current loan
  • General emergency expenses
  • Weddings and vacations

If you are in need of a loan for one of the reasons above, click ‘Get Started‘ below and fill in our application form in less than 5 minutes, to see if you can receive a same day personal loan!

How Can I Pay For Bad Credit Personal Loans?

Your loan amount can be paid back over a time frame that suits you. Applicants are able to get personal installment loans for bad credit, which means that the total amount can be paid back over a long period of time, such as 1,3,6,12 or even 48 months.

Before taking out a personal loan and paying back in monthly installments, you must be aware that interest on the loan amount accrues daily, meaning that you will need to be confident that you can continue to pay your personal loan back over time. If necessary, personal loans can be repaid back early, providing the full amount is repaid including any interest that has accrued.

Frequently Asked Questions About Bad Credit Personal Loans

Is Finger Finance A Direct Lender For Personal Loans With Bad Credit?

Finger Finance is not a direct lender. We are a broker that will connect your personal loan application to our network of over 50 direct lenders to find you the best rate possible.

How Quickly Can I Get A Personal Loan With Finger Finance?

Our application process should take no longer than 5 minutes to complete. Once you have done this, you should get an instant offer directly on your screen from our network of lenders. If you choose to proceed, as long as you have a live checking account for the funds to be deposited to, you could receive you personal loan within 1 hour, the same day or the next working day.

Is It Easy To Get A Bad Credit Personal Loan?

Our network of lenders take bad credit into consideration when offering you a personal loan. As long as you meet the lenders minimum criteria for your loan, it should be relatively easy to get a personal loan with bad credit. Make sure, when you complete your application form to be as honest as possible, as being dishonest can affect your eligibility for a loan.

Does Applying For A Personal Loan Impact My Credit Score?

With Finger Finance, filling in our application form will not affect your credit score. If you decide not to proceed, our service is completely free of charge, with no obligation to continue, and because at this stage, a soft credit search if performed, this will have no impact on your credit. However, if you do decide to take out a personal loan with one of the direct lenders and fail to make your repayments on time, then this could impact your credit score.