The lenders can be surprisingly flexible, which is another plus. If your need for a debt consolidation loan goes beyond not only $5,000, but $10,000, our top recommendation is PersonalLoans. BadCreditLoans is the best option if your credit score is not good – below 500, to be exact. We detected zero lag in our tests, and loading times are fast. More importantly, the platform is SSL encrypted and safe to use. Proof of active bank account that we ask to be open for at least one month.

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MoneyMutual is a member of the CFEF and the Online Lenders Alliance. I am grateful for being able to get a loan from your business. When gets tough for me to take care of my financial problems, you are there to lend a hand. Use an online bill payment service to schedule your bills to be paid automatically the day before your due date. Moreover, the personal loan company is very reputable and even has a 4.7 Trustpilot score to show how committed they are to their consumers. Before signing for a loan, assess the total cost you’ll eventually pay back to determine if the interest makes sense.

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This article was fact-checked and reviewed by Brad Stevens, a business loans consultant with an MBA in finance. Depending on lender requirements, people from all 50 states may not be eligible for a personal loan. Select your state to browse our marketplace of lenders and matching services — including same-day options.

But they’ll still require you to have some form of income, along with other basic requirements like providing identification or proof of a bank account. In addition, lenders that don’t do a credit check are primarily predatory auto title lenders and payday lenders that charge overwhelmingly high APRs and fees. Many unsecured personal loans may be easy for people with bad credit to get approved for since they typically have a credit score requirement of 580 or higher. However, these loans are risky for lenders to offer since you do not have to put up collateral. There are other easy-to-get loans available besides no credit check loans, as well. Some examples include unsecured personal loans, secured personal loans and payday loans, among others.

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Some companies offer paycheck advances or short-term loans to employees — regardless of your credit history — often at a lower cost than a payday loan. Completing a payday loan application should only take a few minutes if you have the information you need on hand. Lenders typically ask for your personal details — including your Social Security number and bank account numbers. Once you submit your application, it may take a few minutes to receive an answer.

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But without collateral, the interest rate on the loan may be higher.3 Interest is a fee for using the bank’s money. That interest is typically included in your monthly installment payments. Generally, the shorter your loan term, the less interest you pay over time.