Bad Credit Loans

Bad Credit Loans - Direct Lenders

Looking for a personal loan for bad credit with monthly payments direct lenders? Find a direct lender no matter your credit score with Find Me A Loan Today.

If you’re looking to cover an unexpected cost, some of the things you may be searching for are bad credit loans, monthly payments, direct lenders, and no credit check loans. Unfortunately ‘no credit check loans’ don’t really exist, but this does not necessarily mean you can’t access credit. 

So if you are thinking of requesting bad credit loans from direct lenders only, it’s important to know the basics. Don’t simply choose the first lender you come across, as you could end up paying higher interest rates than you need to, or find out they have hidden fees. Research is key, or broker sites can put you in touch with the most suitable direct lender, so you hopefully can save money on interest.

Why Might You Need a Loan?

When you’re looking to borrow money, there are a number of personal loans you can choose from. Payday loans and installment loans are one of the quickest ways to get the money you need, so are a popular choice in an emergency. 

If you have an unexpected medical bill, for instance, or need to cover the cost of a home repair, you will need a fast loan. Payday loans are often for smaller amounts - typically, you can borrow up to $1,000. With an installment loan, as you’re able to spread the cost, you can get up to $3,000, depending on the state you’re living in. The loan terms can be anything from a few months to 72 months.

As long as you’re a US citizen over 18, are employed full-time or part-time, and have a bank account, you should be able to get a bad credit loan with a direct lender. While guaranteed installment loans don’t truly exist, even if you have bad credit, there are lots of direct lenders that can help.

When you request any type of loan with Find Me A Loan Today, we make the process as straightforward as possible. With our simple loan request form, you can choose the loan amount you need and the loan terms, from weekly to monthly payments. We’ll then put you in touch with the most suitable direct lender for you, and if you’re approved, the money could be paid into your bank account by the next business day.

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Do Bad Credit Loans Hurt Your Credit Report?

Taking out a credit loan will often mean either a hard search or a soft search on your credit file. A hard search will be reported to at least one of the credit bureaus, and then on your credit report. But if this does impact your credit score, it would be minimal, and short-lived. 

Longer term, as long as you’re able to repay your loan on time or even early, you can improve your credit, as you’ll be showing that you can handle your money. Credit scores are used to assess your creditworthiness for future loans, so building this up could mean you can take out larger loans down the line if you need to.

Direct Lender Bad Credit Loans

When evaluating online direct lenders, there are lots of things to consider. Most people are looking for bad credit loans, monthly payments, direct lenders and low interest rates. There are plenty of short term loans offers advertised online, promising things like fast approval and guaranteed approval. Both direct lenders and brokers can make these offers, but there is no such thing as guaranteed approval. It can therefore be difficult to know which company to work with. 

If you’re unsure of the difference between a broker and a direct lender, the former can help you find a lender that is able to offer you a loan, while a direct lender will actually transfer you the money. The main benefit of working with direct lenders only is the fact that there is no middleman, and you definitely won’t be charged a fee.

Working with a broker, on the other hand, can mean that you only have to go to one place. You can save time completing just one online loan request, rather than approach multiple direct lenders to take out a bad credit loan. The broker will then compare lenders for you, and find you the most suitable option available. Some brokers charge a fee for their services too. Here at Find Me A Loan Today, we work on a commission basis with our lenders, so are completely free to use.


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