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Your credit score should not hinder you from achieving your financial goals.

We're here to help you get the right personal loan, regardless of your credit score. 

What would you like to do today?


Why Use Any Credit Personal Loans?

We provide the best lending experience on the market.


We provide our clients with extremely quick lending decisions. We’re able to electronically transfer funds within 24 hours of most approval decisions.


We’re open and clear with our customers. We know how important it is for you to understand the lending process. We want you to trust who you’re borrowing from.


Our application process is extremely easy, you won’t have to fill out complicated forms or provide extensive documentation.


We provide some of the lowest rates and fees on the market. At the end of the day, borrowing money should be about saving money. We know how important your finances are to you and your family.

How it Works

Quickly Apply Online

Enter in a few minor personal details on our online application portal. This will only take a matter of minutes.

Select Your Loan

You will most likely be offered a range of different loans. Select which one is best suited to you and your situation.

Receive Your Cash

Once your loan application has been approved and you’ve selected your loan offer, you will receive your cash in your bank account in a matter of days.

Your Guide to Personal Loans

Obtaining any type of loan can be both overwhelming and frightening. It’s hard to decide what type of financing is perfect for you. There are a range of different lending products available to you as a borrower, so you want to make sure to choose the one that has the most financial benefits for you. With so many different options thrown at you, it can be difficult to fully understand each type of loan. Personal loans are the most traditional form of private loan, they’re given to individuals to help fund a variety of different items and investments.   

Any Credit Personal Loan

It is vital that you go into the borrowing process with all the information you need to make the best possible decision – you don’t want to make your life harder. A loan should relieve a burden or help with an investment.  It is not prudent to take out personal loans for things like luxury items, events, or a big trip. But, funding an adoption or borrowing money to further your career, for example, might be very good reasons to consider a personal loan.

They come in all shapes and sizes, and you will have to find the one that is right for you. This article is meant to guide you through the process and help you to better understand the personal loan industry. The most important thing to remember to do is to not rush to a decision.  

What is a Personal Loan?

A personal loan is money from a bank or lender that is given directly to you — it can be either secured or unsecured.  Many people use these types of loans to consolidate debt. But, they have higher interest rates and will be dependent upon your credit score, debt, and income. Sometimes, it may even make more sense to get a credit card rather than a loan. But, that will depend a great deal on whether your loan is secured or not. 

Even the best personal loans are a risk that you and the bank are both taking together. If you cannot pay, your lender may end up losing money and you will at best be in credit trouble and, at worst, lose your home or other valuables. So, it is vital that you are prepared as you begin to consider a personal loan. You should be sure that the loan payments are something that you can manage and that the banker with whom you are working with is trustworthy and responsible.

What is a Secured Loan?

Secured loans are guaranteed against the value of an item you have offered up for collateral. For example, you might secure the value of your home against your loan. This means that if you end up defaulting on the loan, the bank can take your home to try and recuperate its money. Banks enjoy secured loans because they are much less risky for lenders.

The Upside

The main upside of a secured loan is the fact that you pay less interest. Because there is less risk for the lender, they typically provide lower interest rates. They also tend to be easier to acquire. Lenders will be more likely to provide you with a secured loan because they know they will most likely be able to get their money back.

The Downside

The major downside of a secured loan is simply the fact that you can end up losing your collateral. This is especially problematic if it is your home or your car. For this reason, you need to be confident in your ability to pay the loan back. 

Personal Loans for Any Situation

Many people use personal loans to help consolidate debt or finance home improvements. But there are a variety of different ways that you can use personal loans to your advantage. We’ve outlined some of the most common reasons our readers obtain personal loans.

Special Occassion

Home Repairs

Debt Consolidation


New Family Member

Credit Card Refinancing

Moving Houses

Getting a Personal Loan with Bad Credit

If you have bad credit, the bank will be concerned about your ability to pay them back. They have a right to be, after all. Your bad credit indicates that there are a lot of debts out there with your name on them. So, the first thing you should do is talk to a banker that you trust and be honest and forthright about your financial issues.

But obtaining bad credit loans is not impossible, there are plenty of lenders who do lend to people with less than average credit. They understand that there are people that need financing no matter what their past is. The choices you have will be slightly more restricted – not all lenders provide loans to those with bad credit. But many online loan companies have made it their mission to provide a wide variety of credit-worthy individuals with loans. You should not give up on obtaining a loan because of a poor credit history, you should simply begin to research different ways to help you improve your chances.

Keep in mind that applying for as little as possible will increase the likelihood of getting approved. Plus, it will make your payments smaller.  If you need to borrow money in the amount of $10,000, do not ask to borrow $20,000. Even if you get approved, you will be putting yourself in a bad situation. Having bad credit does not mean that your banker won’t be interested in helping you.  If you can supply pay stubs indicating that your income is high enough to cover the debt, your chances will be higher. This is called your debt-to-income ratio.

You can also do a few other things to help you improve your chances of approval. The primary way to improve your chances is to improve your credit score. Below we outline a few different ways you can quickly improve your credit score before you make a personal loan application. 


Pay Down Current Debts

One of the biggest components of your credit score is the amount of credit card debt that you have outstanding. If you have a bad credit score, there’s a high chance that you have less than perfect debt levels on your credit card. If you have enough money to pay down some of these credit card balances, you should make sure to do so. Your credit card balances are updated monthly with credit reporting agencies, this means that you will only have to wait a month for your score to improve at the most. This is one of the best ways to see a huge credit score increase.


Check Your Credit Score for Mistakes

Millions of Americans have mistakes on their credit reports. You might not realize it, but you might have a mistake on your credit report that is dragging down your score. Mistakes on credit reports are much more common than you think, so you should always make sure to check your report and ensure that it is accurate. If you haven’t checked your report recently, request a free credit report from one of the credit reporting bodies and have a comb through.

If there are mistakes, you’ll need to ask the reporting bodies to remove it. If they refuse, contact a credit repair company and ask for them to act on your behalf.

Any Credit Personal Loan

Is More Debt the Answer?

Please remember that acquiring more debt once you already have a bad credit score is not always a strategically advantageous move. It can be if you plan to pay it off on time and KNOW that you can handle the monthly fees, etc. But, it will only make a situation worse if you are not in a position to pay back your loan properly.

Co-signers and Collateral

What is a Co-signer?

A co-signer is a person who guarantees a loan for you. They are putting a huge amount of trust in you. If you do not pay, the bank will come looking for them and demand that they pay. This is no small thing to do. It is a huge favor. If your banker asks if you have a co-signer, consider carefully if you have anyone who can help you. But, do not assume that because someone has good credit they will be willing to sign for you.  They have good credit for a reason.  They do not want you to ruin it.

What is Collateral?

Collateral is a possession that you guarantee to the bank should you default on your loan. This could be your house, your car, etc. It will need to be something that YOU own and that is worth a substantial amount of money. You will need to have considerable equity in it. It is so important to be aware of the fact that the bank can TAKE your possessions as payment for their loan. They can take your home, your car, your boat, etc. and there will be no recourse on your end. So, even if you have collateral, be careful and sure that you want to put the possessions up.

Want to Consolidate Debt?

So, you’re ready to start shopping for a loan?

Your Next Steps:

First things first, create a list of all of your debts – mortgage, credit cards, car payments, etc. List the payment as well as the interest for each month.  

Then, consider options – secured vs. unsecured:

  • Unsecured personal loans let you utilize your excellent credit to combine multiple debts into a solitary loan with JUST ONE monthly fee. You may even meet the criteria for an overall lower interest rate – saving money as well as adding convenience.
  • As we have discussed, secured loans let you to borrow against something. These should be entered into with caution and understanding of risks.

Debt has a way of snowballing and can get worse without you realizing it. It can seem wise to combine or consolidate debts even when it’s really better not to do so. It is not always easy to know if you are making your life easier or more difficult. Make sure you work with a reputable lender and asks lots of questions.

How do I Assess a Personal Loan?

Ask Yourself the Following Questions:

  • What is the interest rate?
  • What is the APR?
  • What is the origination fee?
  • What is the loan term?
  • Is the interest rate fixed?
  • Is anything else included in this loan?
  • Will I have to pay a fee for prepaying the balance on the loan?
  • What is the late fee for payments?
  • Automatic withdrawals? Be sure that you are aware of how the monthly payments will be expected to be paid.
  • Are the payments are reported to credit bureaus? Your credit score can benefit!

The best loans are unsecured. In reality, most personal loans are unsecured, and range from $1,000 to more than $50,000. They are paid back in flat, monthly payments. They typically have a term of around two years. Great personal loan rates from a wide variety of bankers will require good credit. Payments are higher and there are fewer choices when your credit is bad.

Any Credit Personal Loan

Getting a Loan Online

Online lending is becoming more and more commonplace — there are many reputable online lenders to choose from.  The most vital thing is to shop around and do your own due diligence.

Shopping Tips:

  • Shop around and compare rates, terms, fees, and other options.
  • Check out both online and more traditional banking institutions.
  • Keep an eye on fees and fine print and verify everything. Pay attention to origination, prepayment, late payment and other fees that may not be immediately obvious.
  • Look out for scams and do your due diligence. Do not give personal information, money or trust to a lender until you have sufficiently researched them. Often, scammers will seem to want to give you their money and aggressively come after you. That should be a red flag.

With a number of online lenders challenging credit-card companies and conventional banks, the movement in the direction of a modernized lending procedure and more transparent lending is in full swing. The face of the personal loan has changed.

You can easily and quickly apply for a loan online with many online lenders but the best low interest personal loans and easiest processes will be reserved for people with better credit.

Where to Start?

If possible, start with your local bank that you have been banking with for a while. They will value you as a customer and may give you better rates. Many banks have applications for personal loans online that do not require a trip to a branch.

Once you’ve selected a lender that matches your needs, you’ll need the following to apply for the loan:

  • Identification
  • Verification of address
  • Proof of income

The lender will run a hard credit check.  If approved for the loan, you’ll typically collect your money within a week or so.

Cautions and Warnings

Loans are generally overwhelming for people, particularly when they do not know much about finance, money, banking, or borrowing. That is why you need to be able to trust whomever it is that you work with. 

The two most vital warnings are very simple:

  1. Never sign anything that you do not understand
  2. Do your research and ask questions

Quick Tips

  • Know the terms of your loan backward and forward. Do not sign anything that you do not understand. Check the highest sum you can borrow and the time allowed for the loan repayment. Avoid loans that charge for prepayment.
  • Never sign up for a loan if the lender requires that purchase another kind of product with the personal loan. These things are not necessary and will just cost you more money.
  • Using a personal loan to fund a big spend may not be the right way to go. Steer clear of borrowing money to fund big spends like weddings, vacations, or costly purchases. Try and save up for these and pay in cash so that you are not risking financial security or paying interest.
  • Check the lender’s status. They are checking up on you and you should be sure to do the same.

When Not to Use a Personal Loan

Before you get a personal loan, there may be other options to explore if you need capital. It’s not judicious to use even small personal loans for an optional, “fun” purchase because of the potentially astronomical interest rates. Using a personal loan for a new outfit, new boat, or big party may seem smart at the time but it will likely come back to bite you. Sometimes people use personal loans to pay bills when it might be a better idea to finds ways to lower bills first.

However, you may be a small business owner who needs to cover something for a few months until you receive a payment, or an individual looking to consolidate and get your debt under control.  Or, you might be looking for a loan so that you can cover a home repair. Those are good reasons to take out a personal loan.

Final Thoughts

This is a very basic outline of what you need to know to get started shopping for and considering a personal loan. These are not exhaustive guidelines. It is essential that anyone lending or borrowing money at any time be completely aware of what they are doing and who they are working with. If you are considering a personal loan, the first question you should ask yourself is are you are making a sound decision based on a need, rather than a whim or luxury. It is very easy to bury oneself in debt by taking out loans for things that are not necessary. Drowning in debt is a miserable experience.


You should always make sure to try and work with extremely trustworthy lenders. The world of modern finance has many con-artists within it. Scammers are acutely aware that many people who are seeking finance are in a desperate stage in their lives. They know they can take advantage of people by swooping in when they are most vulnerable. This can espcially be true of short term loans. Fortunately, the internet means that there is plenty of publicly available information online. You should make sure to head online and find out which lenders are the most reputable in the industry. There’s no point working with a company that has dissatisfied customers – there’s a high chance you will have the same experience. Check out some of the financing recommendations we make on our site, we’re committed to helping our readers make good lending decisions.

Lastly, approach the borrowing process the same way that you would approach an investment decision. Personal loans are just as important. Choosing the right lender with the right interest rates can have a profound impact on your financial viability moving forward, so it’s very important to make sure that you recognize the significance of your decision. Give yourself plenty of time to make the right choice.