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Bad Credit Loans

When an emergency situation comes up, having credit that isn’t great can mean a financial nightmare. If you go to your bank or credit union to try and get a loan, they may turn you down due to your credit status, making the search for emergency cash difficult. A viable choice could be a short-term cash loan, also known as a bad credit loan.

calc-hundred In many cases, lenders base their loan decisions on your credit score. With the economy in recent years having negatively affected many people’s credit scores, people find themselves unable to find the cash they need. Money Mutual was created for people just like you, and has created one of the largest marketplaces in the country for finding short-term lenders for people who are in situations where their credit isn’t perfect. Filling out the easy online form takes minutes, and if a lender decides to work with you, you’ll be taken to that lender’s web site where you’ll be able to review the loan offer’s terms and conditions.

Applying for a bad credit loan online is easy and the process is simple. MoneyMutual is not a lender, but by using MoneyMutual you can connect with a lender based on the information you provide and the lender’s requirements.

Qualifying for bad credit loans can be easy and bad credit is ok. Most lenders are able to qualify you if you:

  • Currently have a job (or receive regular income)
  • Make at least $800 per month
  • Are 18 years of age or older and a U.S. resident
  • Have a checking account
  • Other requirements may apply

short-term cash loans, sometimes referred to as bad credit loans, may be a viable choice

Even if you have been involved in bankruptcy, bounced checks, charge-offs and other credit hassles you may still be able to get the short term cash loan you need. There are many reasons why people need a bad credit loan. More often than not, it is a temporary way of dealing with unforeseen expenses like a mechanic’s bill or a medical bill. When used responsibly and paid back promptly, the loan can be a sensible way of handling unexpected expenses and that’s why many people choose to make use of it.

keyboard-hundreds It can be frustrating and difficult to find these so-called “bad credit” loans. That’s where our marketplace can really help -- there are lenders who offer loan options for those that may not qualify at other institutions. Instead of bouncing a check, or receiving late payment penalties, these short term options can be a sensible alternative.

If you are looking for a bad credit loan, you can get started today by filling out the form on our website – there are lenders who can help. Remember, it’s fast and easy to do, and you can find a lender to meet your short term, bad credit loan needs today.

Are there Loans for Bad Credit?

cash-keyboard People all over the country have been affected by the economy’s downturn over the past few years. Countless people have seen their credit go bad because of the economy, finding themselves unable to secure a loan from their bank or credit union. If you’re one of those people who are afraid to apply for a loan due to bad credit from the economy, or you find yourself turned down for a loan from a bank or credit union, there are still loan options. You can still get loans for bad credit.

You may be able to get the kind of funds you need for any kind of out-of-the-blue emergency. So what kinds of loans could be available for people with bad credit?

  • Installment Loans: People who have found themselves with bad credit because of the economy may be able to get funds from some installment loan lenders. This kind of loan is becoming more popular due to its fixed payment schedule over a period of time.
  • No Fax Bad Credit Loans: A no fax bad credit loan, as it is sometimes called, is typically a short-term loan which can be useful for people who don’t have the time or access to use a fax machine to send their documentation – such as a bank statement or pay stub – to a lender. These kinds of loans can be done online, without having to wait in line at the store.
  • Pawn Shops and Car Title Lenders: Another option for funds when an emergency occurs are pawn shops and car title lenders. These kinds of loans involve the person putting up a piece of collateral so they can insure timely payments on their loan. Pawning and car title loans aren’t without their risks, however - if you do not pay back the loan as you’ve agreed, you may lose your collateral.
  • Payday Loans: Terms for payday loans can vary from lender to lender, but in most cases, lenders will expect you to repay the loan on your next payday.

Many of the lenders you find at MoneyMutual offer short-term loans for people who have bad credit and need a bad credit loan. Please remember, MoneyMutual is not a lender and does not make lending decisions. By using MoneyMutual, you could find a lender who can help you get the funds you need.

You can still get loans for bad credit

If you are approved and presented with a loan offer by a lender, keep in mind that you are under no obligation to accept the offer if you feel you cannot repay the loan or if you do not agree with the terms and conditions. Take your time in reviewing the terms and conditions of your loan offer before you decide to accept it. If you accept the loan offer, cash could be deposited into your bank account in as little as 24 hours.

cash-in-hand There are several options out there when it comes to loans for bad credit. If the economy has turned your credit bad when you have an emergency, you aren’t the only one. By using Money Mutual, you can connect with a lender when you need a short term solution to your financial needs – safely, quickly, and securely.

Types of Loans with Bad Credit

fan-of-cash The economy’s downturn has made big dents in many people’s credit, and it has made them afraid to apply for a loan when an unexpected crisis happens. Bad credit can mean a low credit score, and that could make getting a loan from a bank or a credit union difficult, at best. In fact, many people are finding themselves turned down for loans from banks and credit unions. Lenders who specialize in loans for people with poor credit may be able to help by offering different types of what are called “bad credit loans.” With responsible borrowing, you may be able to get the cash you need for your emergency situation. Here are a few of the different types of loans you may be able to qualify for if you have bad credit:

  • Payday Loans: If you’re approved for a payday loan, lenders generally will expect you to repay the loan on your next payday, although terms on payday loans may vary depending on the lender. You may be able to qualify for a payday loan if you are 18 years of age or older, have a valid checking account and a regular source of income such as a job or retirement or disability income; however, other requirements may apply based on individual lender requirements.
  • Installment Loan with Bad Credit: If you have bad credit due to the economy, you may still be able to qualify for an installment loan. Installment loans offer regular, often monthly, payments over a fixed period of time. If you’re approved for an installment loan when you have bad credit, be sure to read over the terms and conditions of your loan carefully, and don’t hesitate to ask your lender any questions you may have about the loan before accepting it.
  • Pawn Shops and Car Title Lenders: Some people choose bad credit loans from pawn shops or car title lenders when an emergency occurs. In this scenario, you are asked to put up collateral in order to secure timely payments. One of the risks involved with these kinds of loans is the possible loss of your collateral if you fail to repay the loan as agreed.
  • No Fax Bad Credit Loans: With no fax loans, you typically do not have to fax the lender documentation (such as a pay stub or a page from your checking account) as part of the application process.

You are not alone when it comes to your credit being damaged by the economy

If you are approved for a loan with bad credit, remember that you are not obligated to accept the loan if you disagree with the terms or feel you cannot pay the money back. Lenders vary, so some lenders may offer better terms and interest rates than others. There are many different types of bad credit loans online, so always read the terms and conditions of your loan offer carefully before accepting it.

holding-cash You are not alone when it comes to your credit being damaged by the economy. Emergencies happen all the time, and if you’re afraid a bad credit score may impact your ability to get a loan, remember that you have various options to helping you get bad credit loans. If you’re looking for a lender, use Money Mutual to connect with a lender who could get you emergency funds quickly, safely, and securely.

Emergency Bad Credit Loans

These tough economic times have brought about many struggles for a number of people, causing them to fall into bad credit. Sometimes your car has some trouble and needs repair fast, or maybe you need some emergency rent money. If the economy has caused your credit to go bad, and you need money for an unexpected emergency, you have choices. You may need an emergency bad credit loan, and at Money Mutual, you can connect with a lender who can get you the money you need.

calculator-fan-of-cash At Money Mutual, there is a diverse group of lenders who may be able to approve you for an emergency loan, even if you have bad credit. The process only takes a few minutes and is absolutely free. Depending on the lender, you may be able to get up to $2,500 in as little as 24 hours for a personal loan. While MoneyMutual is not a lender, you can connect with a lender who can possibly get you emergency cash safely, quickly, and securely.

Because the economy has caused bad credit for many people, some lenders understand your situation and may be able to help you get the cash you need. If you have a steady job, a paystub to prove it, and a checking account at a bank or credit union, and meet lender minimum requirements, you may be able to apply for a loan (though keep in mind that other conditions may apply). All lenders will require you to be at least 18 years or older in order to be eligible for emergency bad credit loans.

you may be able to get up to $2,500 in as little as 24 hours

By using MoneyMutual.com, you can find a lender that may be able to help you, and if you’re connected with a lender, you’ll be taken to the lender’s website to complete the process. Most lenders -- upon your acceptance of the loan offer terms -- will deposit your loan directly into your checking account, allowing you quick access to the money so that you can take care of your emergency situation.

Always read the terms and conditions of your loan offer carefully before accepting the loan offer, and remember to borrow responsibly. Your loan offer will include all of the details of your loan, including payment due dates as well as any extra charges or fees associated with it. Always ask your lender about the terms of your loan if you have any questions. Also, if something happens and you find yourself needing extra time to repay the loan or make a scheduled payment, contact your lender directly and advise them of your situation.

giving-fan-of-cash Sometimes life can throw you a curve ball and you may need some emergency cash. If you’re afraid to apply for an emergency bad credit loan because you’ve been turned down by the bank or credit union, know that you have options – and that you are not alone. By using Money Mutual you can connect with a lender who may be able to get the emergency funds you need.

Short Term Bad Credit Loan

If the downturn of the economy over the past few years has hit your credit score, you aren’t the only one feeling the effects. If you have bad credit and need to get a short term loan, it has never been more convenient to go online on your home computer, laptop, or mobile device without having to stand in line. At Money Mutual, you can connect with a lender who might be able to help get you a short term, bad credit loan.

fan-of-cash-laptop You might ask yourself, “Can I get a short term bad credit loan online?” Even if the economy has negatively affected your credit score, you may still be able to get a short term loan, even if you have bad credit. MoneyMutual.com is a free marketplace where people from all over the United States in need of cash fast can find a short term lender quickly for their emergency situation.

it has never been more convenient to go online on your home computer, laptop, or mobile device without having to stand in line

The ease of using the Web has made the loan process simpler, faster, and more private. To be considered for a short term loan offer, be aware that requirements vary from lender to lender. For example, most lenders require you to be at least 18 years old, have regular income from a job or other source (such as a retirement or disability check), and have a valid checking account - though other qualifications may also apply, which may vary from lender to lender. Having all your information on hand when providing it to prospective lenders could help the process move along quicker – meaning, it can take as little as a few minutes to provide all the relevant information, and possibly be qualified within moments.

If you are approved by a lender, make sure to take your time in reviewing the entire loan document before you accept any loan offered to you. Make sure you understand what the overall interest rate is and the total amount you are required to pay back, among other details. One of the things you should take under consideration is that you make sure you can repay the loan in a timely fashion. If for some reason you are unable to make a payment as agreed, contact your lender immediately about your options. As with any loan, make sure you borrow responsibly.

cash-closeup The economy has affected many people all over the country, making it hard for them to get a loan from banks or credit unions. But on the Internet, it has never been simpler or more convenient to find options when needing a short term bad credit loan online. By using MoneMutual.com’s free service, you can find a lender to help you – when you need it most.

Bad Credit Cash Advance

With the decline of the economy, many people have found themselves in a negative financial situation through no fault of their own, resulting in them having bad credit. The common belief is that people can’t get a loan when they have bad credit, but this is not necessarily the case. If you’re in this kind of situation, one of the options out there is what is often referred to as a bad credit cash advance.

fan-of-cash-suit Getting a cash advance with bad credit may be as easy as picking up your phone or going online. For example, Money Mutual is a marketplace where borrowers can connect with lenders who may be able to help you get a cash advance for your emergency situation. At MoneyMutual.com, a diverse group of lenders are available to help you possibly get the online cash advance loan you need in as little as 24 hours. We are not a bank, lender, or broker, and we do not lend money or participate in cash advance approval decisions. However, by using Money Mutual’s marketplace, you may be able to connect with a lender based on the information you provide who may be able to help you get the cash you need quickly, safely, and privately.

One of the advantages to going online for a bad credit cash advance is that it’s possible to be connected with a lender within minutes, and possibly have the cash directly deposited into your bank account in as little as 24 hours. When the unexpected happens, you probably want the process of a short-term loan to be as quick and hassle-free as possible.

The requirements for a cash advance loan online approval can vary from lender to lender. Most lenders require you to meet minimum requirements such as be 18 or older, be currently employed, have a regular monthly income of at least $800 a month, and have a checking account at a bank or credit union. Other requirements may apply.

Getting a cash advance with bad credit may be as easy as picking up your phone or going online

If you are approved for a loan, it’s important that you take the time to carefully review the loan offer’s terms and conditions before accepting the loan. They will include information including the due dates for payments or possible fees related to your loan. Lenders are required by law to make sure all the terms of your loan offer are made clear. However, if you have any questions or queries about your loan, make sure to directly contact your lender. And please remember to always borrow responsibly.

cash-dart You are not alone if the economy has caused you to have bad credit. When an emergency arises, you do have options to get a loan, even if you have bad credit. With the relevant documentation, you may be able to quickly get a bad credit cash advance.

Can I Be Guaranteed a Loan on Bad Credit?

keyboard-dollar Has the economy ruined your credit? You are not the only one. There are many people out there who think they can’t get a loan due to the economy making their credit go south, but there are some choices out there. An increasing number of lenders are willing to approve people with bad credit for loans, and while some bad credit loans can be easy to qualify for, few lenders are willing to guarantee approval before verifying certain information.

Oftentimes, having bad credit won’t necessarily disqualify you from getting a loan. In many instances, a steady job or other regular income is the key requirement you need to qualify for certain types of loans (such as bad credit payday loans). Many lenders expect you to meet certain minimum requirements before you’re approved for a loan.

Searching for the right kind of lender can seem like a daunting task, but we’re here to make that search easier and simpler. At MoneyMutual.com, there is a diverse group of lenders who want to help people with bad credit get cash for a major emergency in their lives. MoneyMutual is not a lender or broker, and will not charge you a fee for finding a lender. If you are able to connect with a lender, the lender, not MoneyMutual, will make a determination on the status of your approval.

Like any other kind of lender, bad credit lenders need some assurances that you have the means to repay the loan. As a real world example, a loan from a pawn shop or car title loan agency might qualify as a guaranteed bad credit loan, because you agree to pledge your automobile or something else valuable as collateral. When applying for a loan when you have bad credit, having proof that you have steady income demonstrates that you have the means to pay off the loan, and can be helpful in obtaining a loan.

Oftentimes, having bad credit won’t necessarily disqualify you from getting a loan

When shopping around for bad credit loans you should seek out reputable lenders. By using MoneyMutual, you can connect with a lender willing to treat you with courtesy and respect. MoneyMutual strongly encourages you to carefully make sure you can repay the loan you are offered before you accept. Always read the terms and conditions of your loan carefully -- and if you have any questions at any point of the process, do not hesitate to ask your lender.

just-cash If the economy has ruined your credit, you aren’t alone. Bad credit doesn’t mean that finding a loan is hopeless. At Money Mutual, you can connect with a lender who may be able to approve you for a loan for any kind of unforeseen circumstances, even if you have bad credit.

How to Get a Loan with Bad Credit

Today’s economy has devastated many families and individuals, leaving them in need of a loan when they have bad credit. Many people are under the impression that bad credit can mean they won’t be able to get a loan for any emergency situation. Fortunately, those who have bad credit due to the poor economy do have options when in need of an emergency loan:

  • Installment loans
  • Emergency cash advance loan
  • Short term payday loans

You aren’t the only one out there who needs help. At MoneyMutual you may be able to connect with a lender who understands your bad credit situation and may be willing to quickly get you the money that you need pending approval.

cash-plaque Whether you need an emergency short-term loan to help a relative who is in crisis, or even need a short term payday loan to help pay your rent, you are not alone in needing help! There are lenders who specialize in working with people who need a loan, even if they have bad credit. That’s where we come in. By using MoneyMutual.com, you could find a lender, based on the information you provide, to get you the loan you need.

What kind of information might you need to provide? In many instances, working consistently at a job or having some other source of regular income is the important requirement you need to qualify for certain kinds of loans (like bad credit payday loans). Many lenders expect you to meet certain basic requirements before you’re approved for a loan.

There are lenders who specialize in working with people who need a loan, even if they have bad credit

When looking for the right loan for you, make sure to take your time. If you have questions at any point during the process, don’t hesitate to ask. Take the time to clearly understand all the terms of your loan before agreeing to it – it will include the total cost of the loan, the interest rate, and repayment obligations and options. Before you accept a loan with a lender, consider your ability to repay the loan based on the terms of the loan given to you.

franklin-keyboard If the economy has left you with bad credit, and you need an emergency loan, there are options to get you the money you need. With MoneyMutual.com, you may be able to connect with a lender, even if you have bad credit. Careful research and review of the loan’s terms and conditions will help you choose your best option for any emergency situation.

Bad Credit Installment Loans

It’s easier than ever to shop around if you’re looking to get bad credit installment loans online. Not only can you research your options and find the information you need, but you can also find a lender to help you from the privacy of your own home – without having to stand in line.

hand-thru-laptop How does an installment loan work? An installment loan is the kind of loan that has a fixed repayment schedule. They are a popular kind of loan because of their scheduled payments as well as being an alternative to reconnect fees, late fees, and other penalties against your accounts.

If you’re looking for a lender who offers installment loans, by using MoneyMutual you may be able to find a lender who can meet your needs. MoneyMutual is a marketplace where borrowers and lenders can come together instantly so you can get the relief you need until your next paycheck.

Though we are not a lender or broker, you can find a lender who may be able to approve you for a loan, even if the economy has devastated your credit. While we aren’t involved in the loan review or approval process, our service is absolutely free. If you connect with a lender, the lender may be able to process and finalize your loan, and deposit your money into your account, within 24 hours.

Shopping for and applying for a loan online has become easier and quicker in the modern age

When applying for bad credit installment loans online, keep in mind that lenders may require proof of regular income that is deposited into a checking account, among other qualifications. Having a bank account can provide lenders the ability to deposit money directly into your account if you are approved for and agree to the terms of a loan. If you do not have a checking account, you may need to offer the lender references they will verify before they consider approving your loan. Remember, this process could lengthen the time it takes to receive money if you’re approved.

Depending on the lender, the terms and conditions of your loan can vary. Before you accept any loan offer, take your time in reviewing all the terms and conditions specific to your loan. If you’re approved by a lender, make sure your loan offer has very specific language laying out the terms, including the due dates for payments or any kind of charges related to the loan. If you have any questions about your repayment terms, contact your lender directly.

cash-on-mac Shopping for and applying for a loan online has become easier and quicker in the modern age. If you’re looking for a lender offering bad credit installment loans online, use MoneyMutual to connect with a lender who may be able to help you – all from the privacy of your desktop computer, laptop, or mobile device.

Unsecured Bad Credit Installment Loan

When you’re looking online for a loan, you may find a variety of choices out there. One type of loan you may find is an unsecured bad credit installment loan. This kind of loan may be useful when you need your car repaired or have an unforeseen bill due.

spread-cash One of the features of unsecured installment loans – even with bad credit -- is that you may not have to put up collateral for the loan. For many kinds of loans people are required to put up some kind of collateral in order to secure the loan. If the person ends up defaulting on the loan, they could lose their collateral. However, unsecured bad credit loans work differently. If you’re approved for the loan, and you accept the loan offer, the cash would be directly deposited to your banking account, without putting up collateral.

However, there is one downside to unsecured loans. When no collateral is involved, traditional lenders such as credit unions and banks usually require you to have good credit before offering an installment loan. That disqualifies thousands of people who have bad credit, often through no fault of their own. Setbacks such as a job loss, medical problems or divorce can contribute to hurting someone’s credit. Fortunately, some lenders specializing in bad credit installment loans understand people have bad credit situations that aren’t their fault, and may be willing to offer loans when they need cash.

Personal installment loans are loans that you repay with fixed payments over a period of time

At MoneyMutual you may be able to connect with a lender offering installment loans for those with less than perfect credit. MoneyMutual is not a bank or lender and is not involved in the credit decision process. However, through MoneyMutual.com, it’s possible find a lender who may approve you for a loan. Furthermore, our marketplace is completely free.

Personal installment loans are loans that you repay with fixed payments over a period of time, often a number of months. Most of the time, your ability to make payments through regular income (like a monthly retirement check or regular job) will help determine how much you can borrow. Payday loans, on the other hand, typically require payment on your next payday.

cash-seal The online search for a loan can mean you run into a number of choices. For those who have fallen into bad credit through no fault of their own, unsecured bad credit installment loans may be the alternative they’re looking for when they need cash for an unforeseen circumstance.

Bad Credit Loans with No Bank Account

hands-of-cash If you’ve found yourself having bad credit as an impact from a shaky economy, getting a loan can seem challenging. With a little research, you might be able to find a lender who could possibly be able to get you the money you need, even if you have bad credit.

Most of the time, lenders offering short term payday loans and other types of bad credit loans require you to have a bank account so that the lender can quickly deposit your money and to facilitate repayment. Many lenders are comfortable approving a bad credit personal loan if you have an active checking account you use for depositing regular earnings from a full-time job, pension, or other regular income and meet the lenders other requirements as well.

If you’re looking for a lender who can offer you bad credit loans, you may be able to find one online

You may still be able to get a bad credit loan with no bank account. Some people with extreme credit problems may avoid banks because they fear bank garnishment for other old debts, or they may have jobs that pay them in cash and they would rather not deposit money into a bank. There are also people who avoid banks because they feel monthly fees on checking accounts or overdraft charges are too expensive.

A lender considering you for a bad credit loan with no bank account may require a deeper background check than bad credit lenders offering other types of loans. But when a lender is considering loaning money to you without access to your bank account, they likely will want to know how you have handled your credit in the past.

hundred-calculator Lenders considering you for a loan with no bank account may also require personal references – and may actually call the references before deciding on whether or not to approve the loan. Your references could be friends or family members, and the lender may ask them about your character and whether you are likely to repay a loan so keep this in mind before providing any information. Because of this process, the amount of time it takes for approval could be longer than with other loan offers.

If you’re looking for a lender who can offer you bad credit loans, you may be able to find one online. By using MoneyMutual.com, you may be able to connect with a lender who specializes in bad credit personal loans. While MoneyMutual is not a broker or lender and does not loan money, we are a marketplace where you can find a lender who might be able to help you with the kind of loan you’re looking for. Try to have all the proper paperwork handy when you looking for a bad credit loan online. Depending on the lender, they may require that you have a bank account so the lender can directly deposit the funds if you are approved. Make sure you read all of the loan terms carefully before agreeing to the loan. Please remember to always borrow responsibly.

Payday Loans with Bad Credit

Many people who have had some financial problems dread applying for a loan because they know their credit is poor. Bad credit leads to frustration and even shame. When an emergency happens, like an unexpected bill due or medical crisis, people feel like they can’t get a personal loan online quickly because the economy has had a negative impact on their credit. But you don’t have to feel shameful about inquiring about a payday loan with bad credit. There are lenders out there who understand bad credit situations and may be able to help you get emergency cash with bad credit payday loans. The best part is that you can connect with a lender online – without waiting in a long line at the payday store.

give-cash To qualify for a bad credit payday loan you must be at least 18 years old, and have consistent employment or other steady income such as a monthly pension. A bank or credit union checking account is also required in most cases, and other conditions and lender requirements may apply.

Keep in mind with these kinds of loans, you’re usually expected to repay a payday loan very quickly -- often on your next payday. When you submit your pay stub and bank account information, the lender uses those pieces of information as proof of your income. Your loan information will remain confidential, and lenders should not use your contact information except to communicate with you about your loan.

If your credit has been badly affected by the economy, you’re not alone

Remember, only accept a bad credit payday loan if you completely understand the terms and conditions. Money Mutual is not a lender, does not lend money or broker loans, but gives you the ability to find a lender for free. If you are connected with a lender, you may be redirected to the lender’s website or the lender will contact you directly to finalize the loan process. Please use payday loans online responsibly.

happy-cash Paying the loan back on time is important not just for the lender, but also for you. Timely payment on your loan creates a positive relationship with your lender, and can be an advantage when applying for future loans. If you think you may be late on a payment or will miss a payment entirely, contact the lender directly as soon as possible. They may be able to work with you on a new payment schedule. Be aware, however, that this may mean the loan will have new terms and conditions, so make sure to speak with your lender and get all your questions answered so you understand all the terms of the loan.

If your credit has been badly affected by the economy, you’re not alone. Having bad credit doesn’t mean you don’t have any loan options. By using Money Mutual, you can find a lender who may be able to get you the bad credit payday loan you need for any emergency situation.