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Bad Credit Loans Available Online

Having a bad credit score isn’t what most of us want. It greatly reduces your chances of getting a loan, and people automatically assume that when you have bad credit, you won’t get any of your loans approved, it just means that you’re going to be presented with fewer options and higher rates. but worry not, there are still many options for you to get your loans. 

Here are the different options on where you can get your loans even while having bad credit.

  1. Bad Credit Loans – So what is a bad credit loan? It’s a type of personal loan that is usually offered to people with bad or weak credit scores.  It will be quite expensive as lenders usually offer higher interest rates to borrowers who have bad credit.

  2. Payday LoansPayday loans are usually the go-to when having unexpected trouble or emergency while having a bad credit score. This kind of loan doesn’t require much of a good credit score, rather the lender checks if you have a job and is receiving a steady paycheck.

  3. Private Lenders – Also known as Online Lending Companies, usually don’t require much other than you filling out the form, presenting an ID, and just wait for approval.

  4. Secured Bad Credit Loan – This option will require you to offer a valuable item with monetary value as collateral. Thus making lenders think that you are serious about paying the loan. But if you fail to do so, the lender has the legal right to seize the collateral to sell and cover up for their losses.

  5. Unsecured Bad Credit Loan – An unsecured bad credit loan only needs you to sign a contract to promise to repay what you borrowed according to the terms of the lender. Failure to repay may result in being pursued by money collecting agencies or may lead to legal actions.

What You Need To Do To Apply For A Loan

When applying for a loan, it’s best to have the necessary documents ready to speed up the process. Although different lenders have different requirements, what’s going to be listed below are the most common ones.

Government-Issued ID’s.

Lenders will require you to have at the very least two government issued ID’s. below are the acceptable ID’s that you can use.

  • Driver’s License

  • State ID

  • Passport

  • Birth Certificate

  • Military ID

  • Utility bills.

Proof of Income.

Lenders will need to see proof that you are indeed receiving a monthly or bi-weekly income, and that you are capable of paying the loan. You can use these as proof of your income:

  • Bank Statements

  • Payment stubs

  • Tax return forms

Other financial information.

If a lender deems that your bank statements or payment stubs aren’t enough. Or they just want to know more of your finances and how you manage it, they can you for some of the following.

  • Credit card and loan statements.

  • Source of alternate income if you have any.

  • An estimate of your expenses.

  • Rent or mortgage statement.


When applying for a loan, most lenders will ask you put your employers phone number and name. Although a pay stub may be enough, there are rare circumstances where a lender will need to verify or double check the information that you’ve given. It’s best to just cooperate to smoothen the process.

Now that you know the most common requirements that lenders may ask of you, here are a few things that you can do to speed-up the process.

  1. Prepare what’s needed before you start applying – You can the lender for their requirements, have it ready before you fill out the application to save time.

  2. Have a soft or digital copy of all your documents. You may never know when you’ll need them again, and in any case a lender will ask for a copy, you can quickly print yourself one.

  3. When applying online, there is what we call a start now finish later function. Which allows you to input any credentials and information that you currently have. You’ll be given log-in information so you can go back to where you left off.

Get The Money You Need

Apply to Borrow £1000 to £25,000*