“Where can I apply for a loan with bad credit” is one of the questions that Info Credit Free give a lot in some days. Because the demand uses these loans are more and more increasing, the lenders are growing. 

Where can I apply for a loan with bad credit
Where can I apply for a loan with bad credit in the US?

Indeed, there are a lot of personal loans for everyone who has bad credit. Some personal loans in the US people should get such as online loans for people with bad credit, loans for people with very poor credit, personal loans for poor credit score, … In this post, we will introduce to Where can I apply for a loan with bad credit in the US?


This post includes four parts: “Where can I apply for loans for people with bad credit in the US?”, “Where can I apply for a loan with bad credit online?”, “How to improve credit score?” and “What to avoid when choosing where can I apply for a loan with bad credit?”

1. Where can I apply for a loan with bad credit in the US?

In the US, there are a lot of lenders offering loans for people with bad credit. They are:

  • Online Lenders
  • Short-term lenders
  • Credit unions
  • Your local bank

2. Where can I apply for a loan with bad credit online?

2.1. The JoraCredit 

The JoraCredit has some requirements for people need to meet:

  • Customers need to be at least 18 years old
  • Customers need to have a regular source of income
  • Customers need to have an email address
  • Customers need to have an active checking account

Some benefits of a loan from JoraCredit

  • Fast application process.
  • Personal Finance.
  • Apply with bad credit.
  • Use the loan as people see fit.

2.2. The BadCreditLoans

BadCreditLoans.com has been helping people who have a bad credit score since 1998. This application is free and people having bad credit can be connected to the lender looking at you despite your credit history.

Product Name BadCreditLoans.com
Min Loan Amount $500
Max. Loan Amount $5,000
Loan Term 3 to 36 months
Turnaround Time Varies
Requirements Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
Application Fee $0

2.3. The PersonalLoans

The PersonalLoans has some requirements for people who want to get loans from them:

  • Age / ID / Status of Residence
  • Income
  • Bank Accounts
  • Types of Credit
Where can I apply for a loan with bad credit
Where can I apply for a loan with bad credit in the US?

3. How to improve credit score?

  • Order a copy of your credit reportTo get the most accurate picture of the current financial health, people should request a free credit report from one of the main offices. View your personal information, job data, open account and balance and any other financial details listed and ensure that all information is accurate. If people see any discrepancies, report to those credit offices and providers that have marked them.
  • Pay down your credit card accounts. One of the five variables that determine your credit score is your credit usage, calculated by dividing your current credit card balance by your available credit limit. Most lenders want to see rates of use of 30% or less. This means that if you have a credit card with a $ 1,000 limit, you just want to keep the balance $ 300 or less.
  • Don’t take out new loans. Each time you apply for a credit card or personal loan, the lender performs a difficult credit check, reducing your credit score to 5 points. To avoid further damage to your credit report, make a payment for your outstanding loans instead of additional loans.
  • Don’t close accounts just. Closing a bank account or credit card can be more harmful than good because the lender wants to see the long history of credit in your report.

4. What to avoid when choosing where can I apply for a loan with bad credit?

When you sign up for an account, make sure you have a budget on hand to pay for the loan. In case you make a late payment for your loan, you may lose your credit score or be subject to a late payment penalty.

You should also avoid using multiple loans at one place or at the same time. Because then the lender will make it difficult for you and see if it is one that negatively affects your credit score.

Before choosing a loan as well as a lender, what you have to do is compare their interest rates and fees carefully. You definitely have to understand what your loan fee may charge you before you accept a loan offer. Many loans for bad credit can be expensive, so knowing the full cost will help you plan your payments.

If you have a bad credit score and want to get a loan immediately, you can read some articles of us to get information about some loans for people who have bad credit. Some articles such as really bad credit personal loans, lenders for people with bad credit, lending institutions for personal loans…

Nowadays, the lenders usually require about the credit history documents. Therefore you should prepair the credit document. To get your credit history, you can get information from article Check credit rating.

Hillary (Team Content) – Info Credit Free