Fast And Reliable Bad Credit Loans

Our bad credit loans are the preferred personal loan option that can get you the cash you need, fast!

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How Can We Help?

Do you still have questions regarding our fast-online service? Here are some of the most frequently asked questions:

What is a bad credit score?

According to the FICO score ratings, anything under 620 is usually considered a bad credit score. This calculation is based on factors such as the payment history and how much debt the person has.

Why is the credit score so important?

It can be very difficult, if not impossible, to get loan approval, credit cards or to pay on account if you have a bad credit score. If a loan is approved, the interest rates and payment amounts can be higher because of the risk the lender is taking.

Can I fix my bad credit score?

For good credit, it’s important to always pay your bills on time. Once you begin to do this, you should also find ways to reduce your debt. As you pay down your debt, your credit profile can improve.

Is help available for someone with bad credit?

There are financial experts available who can help you repair your bad credit standing. When selecting a financial service to help you, take time to go to one with adequate experience and a good reputation for helping people just like you. You can also look at the reviews left by satisfied customers when making your choice. It’s important to trust the person or company that you go with.

Can I still be approved for a loan with a bad credit history?

The lender is more interested in your present financial condition. Even if you had financial troubles in the past and didn’t make payments on time, approval of a bad credit loan will take into account your current situation. You may need to prove that you have enough income to make your payments on time. When you get the loan, be sure to make the payments according to the terms of your contract.

urbanpersonalloans.com (the “Website”) is not a lender or lending partner. It does not make loans of any type and does not make any credit decisions. Instead, the Website is designed solely to connect you with third-party lenders and marketers. The Website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. The data concerning short-term loan products and the industry is presented on the website for information purposes only. The Website does not endorse any lender, nor does it represent or is responsible for the actions or inactions of the lenders. The Website does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Providing your information on the website does not guarantee you will be approved for a loan or credit product. This service and lenders are not available in all states. In some cases, you may be connected with a tribal lender. Tribal lenders are subject to tribal and certain federal laws only, while other lenders are also subject to state law including usury caps.

By submitting your loan request form, you acknowledge, agree, and authorize that (a) your information may be shared with third-party marketing partners and lenders in our network,

and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. Every lender may perform a credit verification, whether it is a traditional or non-traditional verification. Don’t be misled by the term ‘No Credit Check Loans’. Loan approval is subject to meeting the lender’s credit criteria. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state.

Consumers may need to demonstrate ability to repay the loan. Upon completion of the loan request form, a conditional approval may be given pending review of additional documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing. Lenders recommend and encourage consumers to pay early in order to avoid additional finance charges. Short term, installment, and payday loans should be used with caution. If you have any questions about your loan, please contact your lender directly.