No Credit? No Problem! These Lenders Work With Bad Credit Scores


Rejection sucks, plain and simple, but you don’t have to suffer that indignation anymore. Lenders once held the power, so they could be as selective as they wanted regarding to whom they gave loans. But 2018 is a new era of lending, and the temperature is a lot warmer to borrowers, particularly those with bad credit.

That's not to say you'll get accepted for a loan no matter what your credit history looks like and where you turn. It just means you have numerous options, today. You just have to know which lenders work with you and your bad credit. Check out this 3-minute read on which lenders to turn to when your credit is in the dumps—and what to do when you get there.

Bad Credit Lenders in 2018

Plenty of lenders are warming up to the idea of helping people out of a tough jam. Lenders like LendingTree​, AmOne, and LoansUnder36​ have made it their business to help a people like you out.

What Should You Expect?

Here are some things you should expect when you sit down with a reputable lender:

  • Proof

Lenders need to know that you have a way of paying back your loan, so you'll be requested to provide proof in the form of pay stubs, W2, income tax returns, or other documentation confirming your employment.

  • Higher interest rates

Because you’re a higher risk, your loan will come with higher interest rates too. Hey, paying a bit more each month for your loan is better than not getting the loan at all, right?

What’s the Application & Approval Process Like?

With today’s technology in place, the loan application process is a breeze. You just need to fill out the online application form, and you'll have an answer immediately, sometimes within seconds. The application form will ask you the same basic questions no matter where you go, things like how much you're borrowing, employment details, and personal information.

Then, the lender calculates if you’ll be approved, and you can go forward. If you’re working with an engine like AmOne , you’ll be given various offers. You choose the one you like best, talk directly to the lender, and sign for your personal loan. Easy peasy.

What’s Better? Trusted Lenders or Payday Loans?

One more thing before you go get your loan. Please make sure you are working with a reliable personal loan lender and not a payday loan provider. What’s the difference? A personal loan comes from a reputable lender and allows you to use the money for anything you want while paying it off every specified amount of time via consistent payments. A payday loan is an exorbitantly high-interest loan that is usually required to be paid back by the next paycheck you earn and generally comes from a less reputable lender. Be smart, avoid these con artists and save yourself time, money, and heartache.

Not applying for a loan because you’re afraid of rejection? Compare the right lenders that work with bad credit and applicants like you, and stop living in fear at last

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