Payday Loans

Bad Credit Payday Loans - Direct Lenders

Looking for online bad credit loans with instant approval? Borrow up to $5000 with Find Me A Loan Today and we will find you a bad credit direct lender.

Everyone has unexpected expenses crop up every now and then. And if you need money before your next paycheck, you may look into payday loans, direct lender bad credit loans, and other types of short term credit. Payday loans are a fast and convenient way to cover extra bills and emergency costs. You then only have to make one repayment on your next payday, so will  just pay for a few weeks of interest. 

Online installment loans, instant approval loans and longer term credit options are also popular when you need an emergency loan. With an installment loan, you can usually borrow more money, as you’re able to spread the repayments over a longer period of time. With Find Me A Loan Today, you can borrow up to $5,000, and repay over several months. 

Direct Lender Bad Credit Loans

Online loans will either be direct lender loans, or you can apply through a broker service. While some people prefer to apply with a lender directly, as they are concerned about hidden fees with brokers, not all brokers charge a fee. We work on a commission basis with direct lenders, and are therefore free for you to use. We can help save you time when applying for a bad credit loan, as you only need to complete one application to find the perfect lender. 

With a lot of bad credit payday loans, the interest rates are higher than traditional long term loans. This is often because payday loans are unsecured loans, so the lender is taking a risk when lending to borrowers. With a secured loan, the lender has collateral if payments are missed. The best thing about applying with Find Me A Loan Today is that you can compare direct lender bad credit loans, and find the one with the lowest interest rate.

Payday Loans for Bad Credit

In terms of bad credit loans, some lenders use your credit check and what credit bureaus have noted on your credit report when making a loan decision. But your credit score isn’t the only factor the lenders we work with consider. As your credit history can appear on your credit file for several years, most short term lenders believe that a late or missed payment from a few years ago shouldn't impact your chances of borrowing now. 

Our panel of payday loan lenders therefore take into account things like your employment history when making a loan decision. So don’t let your credit score hold you back - you can still apply for online loans with Find Me A Loan Today. Borrowing money can even help improve your credit rating, as making payments on time demonstrates that you’re able to budget and manage your finances.

Online Installment Loans - Instant Approval

Whether you’re looking for installment loans, online payday loans, direct lender loans, or any type of personal loan, you’ll want instant approval. You won’t always have time to wait for a loan decision and will need a cash advance straight away. No lender can guarantee instant approval for all borrowers, but many can give an instant decision. We can promise a loan decision within minutes of applying. 

When it comes to making a loan application with Find Me A Loan Today, our application process is short and simple. You can choose the loan terms and loan amounts, and then enter a few personal details. To be eligible for a bad credit payday loan, you’ll need to be aged 18 or over, be employed full time or part time, and be a US resident. You’ll also need a bank account, so that if approved, the funds can be transferred directly into your bank. In some cases it can take up to three business days for the funds to reach you, if your bank needs to hold the funds, but usually you’ll have the money the next working day after you applied.


Save Time

Searching for the best payday lender can be time consuming and stressful. Your short term credit could be only two applications away.


The Right Fit

We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find the right loan for you.



We're a broker, not a lender but we'll try to help you get a loan even if you don't have a perfect credit history.

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