Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk

Apply to Borrow $1000 to $25,000*

  • Apply For $ 50 – $ 1,000
  • Fast Payout
  • No Fees
  • Secure Application
  • Available 24/7
  • Bad Credit

Choose loan amount


Not sure if you’ll be accepted?

Don’t worry about having bad or no credit, apply for a payday loan regardless of your credit. Get the funds you need fast.

Personal Loans

  • Instant Decision
  • 60-Second Application Form
  • From $1,000 to $25,000
  • Rates from 5.7% APR to 278% APR
  • 3-36 month repayment

Short Term Loans

  • Online decision
  • Responsible lenders
  • Apply to borrow up to $3000
  • Rates From 278% APR – 1576% APR
  • 3-12 month repayment

Does Signature Loans Affect Your Credit Score

In general, any type of loan or debt will have an impact on your credit score.

Your credit score is a summary of your financial history. It shows how well (or how bad) you handled your finances. A borrower’s credit reputation can be influenced by a variety of things but the biggest factor is debt.

When you apply for a loan, whether it was rejected or granted, the results can leave a mark on your credit history. It is therefore important not to apply for several loans at once. Aside from making the borrower seem needy and desperate for money, it can result in several negative hits on your credit record.

If you are worried about the effects of the loan application to your credit score, you can turn to no credit check lenders. These lenders will not run a check on your credit history; a soft credit check maybe, but it will not harm your credit rating at all.

Having a good credit score is a great thing. Only a few can say that their credit history is flawless. Most borrowers either have poor or zero credit. If your credit rating is bad or thin, having a loan can either improve or worsen your score. This depends on how you handle debt repayments. If you default or miss loan payments, it can further lower your credit rating. But if you were able to repay the loan without any delay, it can increase your credit rating and even repair your credit reputation.

Getting access to loans is always a challenge. Banks and lenders have made sure that certain safeguards are put in place to only allow those borrowers with the means to pay the money back are let through. One can only imagine how hard it would be to qualify for a loan if your credit is bad. 

Signature Loans for Bad Credit Borrowers

If you have an urgent need for cash and you cannot take out a loan through the usual channels, one option that you can consider is getting a payday loan. Known for looking beyond a borrower’s credit score and instead focusing more on whether he has the income to afford the repayment, this short-term loan can be the ideal solution for cash-strapped individuals that need immediate financial relief.

Most lenders that offer this loan type do not do hard credit checks on borrowers so, it matters little if their credit score is bad or if they do not have any credit history at all. As long as they can show proof that they are earning enough every month to afford the principal and the fee involved on the loan’s due date, they will likely get approved.

Payday loans are often offered by lenders online these days so applying for one is hassle-free and can be done anywhere and anytime. The whole application process can only take about 30 minutes or less. Since most lenders have had their process streamlined, borrowers can often expect a decision within minutes. If approved, the funds can be sent to them within the day.

Do know that there are disadvantage still payday loans and being aware of what they are before fully signing up for one is essential. Payday loans have earned a reputation for being expensive. Interest rates can be sky high. Still, there is no denying that they can provide a great solution for anyone who needs quick cash bad. With the risks involved, however, using these credit instruments wisely is advised.  

How Can I Reduce My Signature Loan Payments?

If your loan (or multiple debts) is dragging you down, you may be wondering how, and if it is possible, to reduce your loan payments. If you find yourself constantly adjusting your budget just to accommodate loan payments, you should consider your loan payments.

Reducing the amount that you have to pay each month a good idea, especially if the amount is stressing you out. Here are the possible ways on how you can effectively reduce the amount you have to pay for your debt each month.

Consolidate debt

If you have more than two loans, you should consider consolidating your debt to make repayments simpler and less stressful. When you only have one due date to remember, it will be easier for you to remember thus you avoid having late or missed payments. This is especially helpful if you have a high outstanding balance on your credit card or other high-interest personal loans at hand.

Negotiate with your lenders

Negotiating with your creditors seems logical to do since you got a loan from them and you owe them money. But first, you need to figure out how much you owe each lender and how much you can comfortably pay. Some lenders will not budge, but others will be willing to work out something with you. If you get a nod from a lender to lower your monthly repayments, make sure to get it in writing.

Juggling multiple debts is very challenging. Before it takes its toll on you, consider the options available to you so that you can reduce your loan payments effectively.

How To Apply?

Applying for an unsecured loan is so easy. All you need to do is to select a loan of your choice. Provide your information in an online form provided on the lender’s website. Once you have completed all the necessary steps, just wait for a confirmation for your approval. It will only take a few minutes to get the results. Once it is in, you can get your money directly deposited to your account.

Provide Your Information

Enter your personal details in order to process your application. It’s easy and fast!

Choose Your Loan

We have a wide list of options for you to choose from. Select the loan that is best for your needs.

Immediate Results

No need to wait days to get results. In just a matter of minutes, you can get approved for a loan.

Safe Cash Transfers

Once approved, the money is sent directly to your checking account. Fast and hassle-free online transactions.