Bad credit? Still welcome here.
A low score doesn't end the conversation. Many lenders in our network weigh your income and ability to repay — not just the number. Checking your rate is free and uses a soft check that leaves your score untouched.
Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR. Loan term lengths from 61 days to 72 months for qualified consumers.
How borrowing with bad credit actually works
Soft check first
Your request is evaluated with a soft inquiry that never touches your score. A hard inquiry only happens if you accept a lender's offer — and they tell you first.
Income counts
Steady income from a job, self-employment, benefits, or retirement often matters more to our network's lenders than a past credit stumble.
Honest pricing
Lower scores usually mean higher APRs — your lender shows the exact rate (5.99%–35.99% across our network) before you accept. No obligation, ever.
A chance to rebuild
Many lenders report on-time payments to credit bureaus, so a loan repaid on schedule can help your history. Ask your lender if they report.
No fees to apply
Our service is free and no legitimate lender charges an upfront fee to release a loan. Anyone who asks for one is a scam — walk away.
Borrow the minimum
Request what solves the problem, not the most you can get. Smaller principal, less interest, easier payments — especially at higher APRs.
Your score won't move. Your options might.
Free 60-second request · All credit types welcome · No obligation