Immediate Bad Credit Loan | Online

See how to apply for an immediate bad credit loan sent direct to your account if you are approved. Now even if you have poor credit you can get a loan approved immediately. Bad credit is not game over, you still have a chance to be approved.  These loans are unsecured so there will be no collateral required. Many of our clients are getting approved immediately today and getting money on the next business day.

Get Approved ASAP

Almost immediately you could get a bad credit loan offer from one of our direct lenders. We have been around for over 11 years because we work hard to get our clients funded when they need money. A signature loan with no credit is designed to help people budget their financial goals. We want to streamline the lending process for you and help get you approved.

If you find yourself thinking "I need an immediate bad credit loan" but are not sure who to trust or where to go? Let us help you start answering those questions.

Immediate Poor Credit Loan Answers

Just because you have bad credit you still have loan options and may qualify immediately for up to $2500. Everyone hits a snag now and then in their financial life. Sometimes it is not even your fault, such as a health issue or car wreck. Having bad credit does not guarantee you will or will not receive a loan offer ASAP.

Lenders used to wire money direct to your account. Now they use an ACH service to send the money, generally on the next business day. The application only takes a couple minutes and you can get the money you need to cover your short term cash needs. No hard credit check required on these online loans.

Tips to Improve Your Credit:

Open a New Credit Card:
By opening a small balance credit card and making payments on it you can begin to improve your poor credit. The credit card company will report to the credit bureaus and your credit score will begin to improve. But remember, you must keep it paid up and current. Having another bad credit ding on your report will not help you, and actually will hurt. Open a new card that is under $1000 dollar limit.

Buy Furniture on Credit:
If you have poor credit or no credit and want to start building it, then one option is to buy furniture on credit. Generally, you do not need a good credit score to buy smaller furniture items under $1000 dollars. Most of these companies will report your payments to the credit bureaus and it will show positively on your credit report. Remember to make your payments every month.

Review Your Credit Report:
It is very likely there are things on your credit report that you are not aware of. Maybe an old power bill from an apartment you lived in 8 years ago or a gas bill from a place you rented in college. By reviewing your credit report you can know exactly what is affecting your credit score and work to have them removed. Lots of times these balances are small in the hundreds of dollars or under one thousand dollars. Use your credit report as a road map to improve your poor credit score.

Bad Credit $1000 Loan Online | Now Direct to Your Account


If the gap between today and payday looks to be insurmountable, an immediate loan could be the answer.

Between 10 and 12 million Americans use short term personal loans each year. Used wisely, they can still be a relatively cheap way of borrowing money. They'll also save you the stress of stretching pennies in the last week before you get paid.

So if you need cash fast, read on. Here's how to get immediate bad credit loans, and all you need to know about managing the loan well.

Complete everything with an Esign or E-signature.

When Will I Receive The Personal Loan?

Most clients receive their money by the next business day. As long as tomorrow is not a weekend because the lenders need to be able to transfer the money and in order to accomplish this the banks need to be open. So if you apply over the weekend you will likely be funded on Monday or Tuesday.

  • Tomorrow if it is a normal banking day
  • On the next banking day if today is a weekend or a holiday

Will this Affect My Credit?

Direct lenders in our network do not check your typical credit report. They may run a soft credit report which does not affect your credit score. No hard credit checks, which means with the 3 main credit bureaus. A soft credit check is an industry specific report that many lenders use and report to.

Can I borrow money immediately if I have bad credit history?

We all make mistakes. But when you make mistakes with your finances - or even when you endure hard times that aren't your fault - your credit report can end up covered in black marks.

Your credit report keeps a record of the money you've borrowed in the past. It also shows lenders if you've ever failed to pay back cash you've borrowed.

Having a good credit report is key to securing large loans like a mortgage. But it's generally trusted that you're able to pay back small loans. Although it's not an insignificant amount of money, when compared to larger personal loans and mortgages.

We help lots of different people find loans asap, and it usually does not matter if they have a checkered credit history.

Our lenders don't run checks at the major credit bureaus when you apply for a loan. But instead, they will do a 'soft check' based on data across the personal loan industry. This won't show up on your credit report, but it's how they decide whether or not to lend you money.

Should I Choose a Payday Loan Instead?

Most clients prefer to an installment loan over a payday loan. Usually an installment loan is preferred over payday loans. The equal monthly payments and more months to repay are generally the route people choose. If you know you will have the money to repay your next payday loan, you may go with the payday loan option.

Using Your Bad Credit Installment Loan to Refinance Other Debts

If you've borrowed money elsewhere, for example on a credit card, and you're struggling to pay it off, a small loan might be the answer.

Let's say, for example, that you owe $1,000 dollars on a credit card and you're paying 25% interest each year.

It could make an awful lot of sense to borrow $1,000 from a lender and use that to pay off your credit card debt.

So long as the new lender's rate is lower than 25%, you'll be saving money in the long run. Just make sure you can keep up with the new lender's repayment plan before you start going down this road.

Unsecured loans are fast and can be approved right now.

These loans can be approved immediately even with bad credit. This financing is not like a bank loan in that there aren't hundreds of hoops to jump through before you get the cash. They'll be in your pocket very quickly - most wirelend lenders send loans that will arrive on the next business day after you apply. 

This makes them ideal for when you're approaching a 'crunch' situation with your own cash. There's no upfront cost to apply for a loan, so it's a no-risk application.

No Collateral Required

This type of loan is not like a pawn shop loan. Our lenders are not going to ask for collateral against the cash.

You get the cash, and agree to pay back a certain amount each month (plus interest) until the debt is cleared. It's a very simple agreement, and you're not putting anything you already own at risk.

What Should I Buy With These Loans?

If you're tempted to splash the cash on a big party or a holiday, that is ultimately your own decision to make.

But this type of loan shouldn't be treated as a frivolity. At the end of the day, it's still a personal loan that you'll have to pay back eventually.

It's really designed for paying for necessities - like food and rent - when you're in a difficult situation. Or you might need $1,000 to repair your truck which you use for work.

You might even take out personal loans to cover the cost of quick repairs to a major problem with your home. This might be while you wait for a bank loan to be approved to fix the root of the problem - because this will take much longer to come through.

But the beauty of these loans is that once the money is in your pocket, it's your choice. But in all honesty, you're almost definitely better off saving for that new phone than putting a loan towards it.

Make Sure to Pay The Monthly Installment On Time

You can pay your installment loan with bad credit back in as little as 6 months.

But do make sure to make payments when they're due. If you don't pay on time, there will be consequences which your lender can enforce.

If you're really struggling, it's best to manage the situation by talking to your lender and seeing if you can come to another agreement.

It might cost you more - for example, paying back over a longer period of time, at a higher rate of interest. But if you can arrange an alternative, that's better than being enforced against by the lender - which could involve court action.

If you can overpay, and your lender will let you do this, you can pay the loan off much faster. This means that less interest accrues on the amount you originally borrowed. So the online loan costs you less in total.


How do I apply for the immediate loan?

Taking out a loan online 24 hours a day is easy and relaxing from the comfort of your home.

Start by completing our very short form and we'll let you know in seconds if your loan has been approved. Remember, we can't guarantee that our lenders will approve your application.

Also See: 250 Dollar Loans

What Interest Rates Should I Expect?

Immediate bad credit loans usually have a higher interest rate than a traditional loan that is backed by collateral. So the APR that you pay on your home equity loan would be much lower than you pay on a personal loan. WireLend is not able to quote you interest rate numbers because we are not the licensed lender that may be offering you the loan. WireLend is a publisher for direct lenders. We attempt to match you with a lender and they will determine if they are able to make you a loan offer. Some loans are more than 1000 dollars and some are less. If you receive a loan offer asap, then it will clearly detail all loan terms and disclosures that you need to make an accurate decision regarding the loan.

Learn About Debt Relief Programs

The application is free and will not show up on your credit report. So you basically get a free loan quote by completing the application. If you like the loan offer then you can move forward. You have no obligation up to that point and no further obligation if you decide to decline the loan offer.