Secure a bad credit loan online with manageable payments to help alleviate your financial stress. Our online application just takes minutes and often provides an immediate decision, with funds arriving as soon as the next business day** with approval.
Don’t let poor credit history prevent you from applying for a loan.
Unlike traditional lenders, we look at your complete financial picture, not just your credit history.
At Balance Credit, we believe your financial future shouldn't be limited by past challenges. Our commitment extends beyond just providing funds—we're here to support you throughout your financial journey.
Allowing you to even save money on interest.
You don’t even have to own a home or vehicle to qualify.
Instant decisions for most applicants and same-day funding when approved—all online*
We've created solutions specifically tailored for those facing credit challenges.
Bad credit loans are for borrowers with low credit scores. They offer a much-needed financial option when traditional lenders might turn you away.
Choose from a variety of repayment plans to align with your budget and financial goals. Balance Credit also offers debt consolidation to help manage multiple payments, making it easier to manage your monthly payments.
Receive funds—often within the next business day**—to handle life's unexpected challenges. From unexpected medical bills, urgent car repairs, or other crucial bills and expenses, we understand that some situations simply can't wait.
with our secure, online application.
.svg){kind=small}
your decision arrives instantly in real time!**
deposited in as little as one business day.**
Our mission is simple: provide financial solutions that reduce stress and make your life easier. If you have any questions about your repayment schedule, our customer service team is always available to assist you.
Monday - Friday
7:00 a.m. - 8:00 p.m. CST
Saturday
8:00 a.m. - 5:00 p.m. CST
Sunday
Closed
Yes, you can still apply for a loan for broken or lost devices with bad credit. At Balance Credit, we understand that financial emergencies can happen to anyone, regardless of credit history. Our goal is to provide an accessible loan option, even for those with less-than-perfect credit.
Yes, you can still apply for a loan for rent & utilities with bad credit. At Balance Credit, we understand that financial emergencies can happen to anyone, regardless of credit history. Our goal is to provide an accessible loan option, even for those with less-than-perfect credit.
Yes, you can still apply for a loan for medical expenses with bad credit. At Balance Credit, we understand that financial emergencies can happen to anyone, regardless of credit history. Our goal is to provide an accessible loan option, even for those with less-than-perfect credit.
Yes, you can still apply for a home improvement loan with bad credit. At Balance Credit, we understand that financial emergencies can happen to anyone, regardless of credit history. Our goal is to provide an accessible loan option, even for those with less-than-perfect credit.
Unlike home equity loans, our unsecured installment loan for home improvement loan doesn’t require your home as collateral, so your property is safe.
Yes, you can still apply for an auto repair loan with bad credit. At Balance Credit, we understand that financial emergencies can happen to anyone, regardless of credit history. Our goal is to provide an accessible loan option, even for those with less-than-perfect credit.
Unlike title loans, we never use your car as collateral. While we can't guarantee approval for everyone, checking your eligibility is quick, convenient, and won't affect your traditional credit score.
Even with credit challenges, you can still take control of your financial situation. Balance Credit's debt consolidation solutions can combine your various obligations into one manageable payment and may secure you a lower overall interest rate. Our personalized approach creates a realistic pathway to better financial health, making it easier to rebuild your credit while addressing your debt.
Yes! Balance Credit specializes in working with customers across the credit spectrum. We welcome applicants with all types of credit histories, including those with less-than-perfect credit scores or past financial challenges.
Balance Credit offers personal installment loans ranging from $100 to $4,000. Your specific loan amount depends on factors like your income and existing financial obligations. We're committed to approving an amount that helps you meet your immediate needs while ensuring your payments remain affordable for your budget.
By paying off your loan on time according to your contract terms, you may qualify for larger amounts in the future.
Applying will not affect your credit score. Balance Credit does not perform a hard credit inquiry with any of the three major credit bureaus. This means you can explore loan options without worrying about a negative impact on your credit.
When you manage your Balance Credit loan responsibly, you're taking positive steps toward rebuilding your credit. Every on-time payment you make has the potential to improve your credit profile over time.
While consistent payments can help strengthen your credit standing, missed payments may have the opposite effect. That's why Balance Credit offers flexible repayment options designed to help you stay on track with your financial goals.
Loan amounts range from $100 to $4,000, depending on factors like your income, financial history, and state regulations. We evaluate each application to find the best loan amount and rate for your situation.
By paying off your loan on time according to your contract terms, you may qualify for larger amounts in the future.
Applying for a bad credit loan with Balance Credit is simple. Our online application only takes a few minutes to complete. You’ll need to provide basic personal and financial information to help us assess your eligibility.*
Many applicants learn their approval status immediately! If approved, you could receive your funds as soon as the next business day.** The entire process is straightforward, ensuring you get the financial help you need.
Credit scores typically range from 300-850, with scores between 300-579 often labeled as "poor" or "challenging." Scores from 580-669 are generally considered "fair."
At Balance Credit, we believe your financial journey shouldn't be defined by numbers alone. We welcome applications from all credit backgrounds and consider multiple factors beyond just your score.
Yes, you can still apply for an emergency loan with bad credit. At Balance Credit, we understand that financial emergencies can happen to anyone, regardless of credit history. Our goal is to provide an accessible loan option, even for those with less-than-perfect credit.
%201.svg){kind=small}
