Unsecured Loans for Any Credit Type

Find A Personal Loan Fast For Any Credit Score

A personal loan for good or bad credit can be a way to get the cash you need to live life. Loans Now is here to guide you through the process of getting personal unsecured loans for bad credit or no credit.


How Can a Low Credit Score Personal Loan Help Me?

  • No more frustrating rejections
  • Can be a way to get the cash you need to live life
  • The potential to help you improve your credit
  • Can also allow you to wipe away credit card debt
  • Can be a great way to save money in the long run
  • Option for unsecured installment loans for bad credit

Personal Loans Starting at 6.99%

Loan Discovery Process

2, 3, 5 & 7 Year Terms


Loan Amounts $500 – 70K

No Initial Credit Check!

* Using tool will not lower your score.
* We do not share your information.

**Min Term 2 Years  Max Term 7 Years

**Max APR 35% ( See Represenative Example Below)

Can I Get A Unsecured Loan with Bad Credit?

When you have bad credit, getting the loan you need for personal expenses can be a discouraging process. You’re either not approved, or have to deal with questionable lenders that ask for money in advance. Even if they’re willing to work with you, these predatory lenders will often set unrealistic loan terms, loan limits, and interest rates, that can leave you in worse shape than before. If you have good credit or bad credit, getting a personal loan approved doesn’t have to be a scary or frustrating process. Loans Now is here to guide you through the process of getting unsecured personal loans for bad credit, or whatever your financial situation may be.

Your Credit Score reflects your record of paying off financial debt. Miss payments on credit cards, student loans, or medical bills, and your score goes down (making your credit score bad). Credit scores are an easy way for lenders to assess risk when underwriting loans. They can instantly see your history, and use that to decide if they are willing to loan you money, and the rate of interest they will change when you pay it back. Having a less than perfect score can affect your ability to get approved for a credit card, personal loan, or even an apartment

We know how hard it can be to get the money you need with a bad credit score, and we’re here to help. No more frustrating rejections for unsecured loans for people with bad credit, or worse yet, scams to trick you out of your hard-earned cash. A personal loan for bad credit or unsecured personal loans for bad credit can be a way to get the cash you need to live life.

Best Loans for Bad Credit

Besides just getting you the money to do what you need to, a personal loan has several other benefits that can enrich your life, even if they aren’t a priority for you.

For one thing, a loan for bad credit has the potential to help you improve your credit. By receiving a loan, you’re increasing your available credit limit, and strengthening your credit history (so long as you make your minimum payments). These two factors have the biggest impact on your score, as we’ll illustrate later.

A low credit personal loan can also allow you to wipe away credit card debt, by consolidating your debt in one location. With credit cards, you have to keep track of how much you have charged on each card, your credit limits, the minimum payment for each card, and different interest rates. With a personal loan, there’s only one monthly payment you have to keep up with, and the interest rate can be lower than those on credit cards. If you’re looking to clear away your debts with confusing monthly payments, and get your finances in order, a personal loan is a great option.

Ultimately, a loan can be a great way to save money in the long run. With inflation on the rise, but the average increase in wages falling behind, it’s getting harder to afford anything. Waiting to make a big item purchase can lead to the price jumping dramatically, meaning that you’ll never be able to afford it. A personal loan ensures that you can afford the things you need now, before the price jumps again.

Finally, at Loans Now, we only work with unsecured personal loans, unlike a credit union that offers additional options. We’ll never present you with lending options where you’ll have to put your house, your car, or any other form of collateral on the line in order to secure a loan or secure easy monthly payments unsecured personal loans. Contact us for any questions regarding online unsecured loans for bad credit direct lenders, unsecured debt consolidation loans for bad credit, and other bank loans or guaranteed policy terms.

Options for Bad Credit Loans

The short answer is people who are just like you. Having a bad credit score doesn’t mean that you’re a failure, or that you’re irresponsible with your finances. We all have instances in our lives where things happen that we can’t control, and obligate us for money that we simply don’t have. 


What to Do With Bad Credit

None of these examples are often anything that you can control, but you’re nevertheless left to deal with the fallout. In many cases, people are left with no option but to deal with these issues by maxing out their credit, loan amount, or prioritizing their bills, even if that means they have late or missed payments.

These aren’t people who are irresponsible; they’re just doing what they have to, in order to provide for their families. You shouldn’t think that having a bad credit score or short credit history means that you have failed to keep your life in order, or that there’s any shame in seeking a loan, or any kind of help, to get your life back on track.

How Can I Get An Unsecured Bad Credit Loan Online

Loans now is changing the model for bad credit loans, helping people identify the personal loan that’s right for them. Through our Loan Discovery Program, we ask about your credit score and identify the right good or bad credit personal loan for you. The best thing about it? It’s completely free.

With our process of identifying your situation, we make sure you’re assisted during the whole process, some say with that you’re practically assured approval for a bad credit personal loan, with no initial credit check required. If you have bad credit and are looking for a loan online, there’s no easier way to do it. The only thing we require is that you know your current (today’s) credit score, and we have resources dedicated to showing you how to find your credit score. Because we ask you to know your credit score beforehand, we don’t run a hard credit check initially, so your score doesn’t take a hit.

We don’t offer payday loans or title loans, so we’re experts at bad credit loans without collateral.

We don’t give out your personal information to anyone- in fact, we don’t even gather unnecessary personal information, so you can rest assured that you’ll have the utmost privacy. No more unwanted solicitations, annoying phone calls or junk emails, your information is safe with us.

Hard Inquiries Vs. Soft Inquiries

Among many people, there’s a misconception that every single time a check is made against your credit score, it will automatically cause your score to drop. Other people aren’t even aware that a check on their credit score can drop their score. Neither one is completely true, to a certain extent – it depends on the type of inquiry being performed.

A hard inquiry against your score will cause your score to drop. These checks are made by anyone who could potentially loan you money, or extend credit to you. Types of inquiries are made whenever you’re seeking a personal loan with bad credit, applying for a credit card, and sometimes when you’re requesting an increased credit limit. You need to be cautious, as many lenders will make a hard inquiry before they even start to talk terms and rates with you. At Loans Now, we never start with a hard inquiry. You tell us what you want, and what your credit score is like.

A soft inquiry is a check made by any person or agency that isn’t potentially going to extend you a loan or credit. Soft inquiries often come in the form of background checks for employment, promotional offers from credit card services, and others. Anytime you check your own score, it is always a soft inquiry, so you don’t need to stress about checking your own score.

Credit Loans for Poor Credit Made Easy

Improving your credit score takes time and effort. We know that sometimes you need a loan and you need it now. Whether you’re facing an unexpected expense, sometimes you just need money. The first step to getting a safe, secure, and confidential bad credit loans is to go through Loans Now’s Personal Loan Discovery Process. It’s the easiest way to get a personal loan with bad credit. For more information on bad credit personal loans, and how the Loans now process works to connect you with the personal loan that’s right for you, head to out how it works page. We specalize in all things loans and credit, specifically unsecured personal loans, and more! We are a great solution for those asking where to get unsecured loans for bad credit and who does unsecured loans for bad credit. At Loans Now, we can help.

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