Where Can I Find Bad Credit Loans From Direct Lenders?
If you need a bad credit loan, you can get it either traditionally or online. Getting the loan through a traditional method would mean you get it from the bank, peer-to-peer lending network, or other financial institutions. However, the big deal with this approach is that it requires your physical presence, so imagine the dilemma you will go through upon realizing you can't access the banks because they are closed on some days.
Getting loans even with your bad credit from direct lenders online provides flexibility such as 24/7 service, so you can apply during the weekends, or even in the middle of the night, and still get your application processed.
We work closely with our trustable partners such as CashAdvance, PersonalLoans, and BadCreditLoans to provide the high-quality services our customers need when they are looking for reliable online loan services. At iPaydayLoans, we help you connect to lenders and do not charge you any additional fee, and you will be most likely to get approved on loans as most lenders we work with will not turn down people with bad credit history and set easy eligibility requirements.
 | Why Us | |
|---|---|---|
| How much can I borrow? | $50-$35,000 | No hidden fees or charges |
| I have bad credit. Can I apply? | Yes | Bad credit is considered |
| Over how long can I spread the repayments? | 1-36 months | Fast decisions |
| Are credit checks involved? | Yes | Soft credit checks only |
| Chances of getting approvals | Good | 256-bit encryption protocol |
| How to apply? | Apply online | Easy application |
Who Will Get Quick Approval From Bad Credit Direct Lenders?
Recall that what we do is to connect you to our network of lenders. These lenders have different approval criteria. However, below is a list of requirements common to them all:
- Age limit: 18 years old.
- US citizenship or residency.
- Means of identification: Government-issued ID card.
- Income: You must have an income stream.
- Bank: You should have a bank account and debit card.
- Contact: Have a phone number and email address.
What Is The Application Process Like?
In 3 steps, you can apply for and get your bad credit loans from direct lenders:
Fill out the online application form.
Start by filling out an online form that allows us to link you to our network of lenders.
Get approval.
After you have entered your personal information, our network of lenders will check through your application and give you offers. This usually contains loan amount, repayment conditions, and other terms. You can choose to accept or decline the offer.
Get your money.
If you accept the loan offer, lenders will quickly approve the loan, and the approved amount will be deposited in the bank you registered, usually as soon as the next business day.
How much would you like?
What Are The Benefits Of Bad Credit Loans From Direct Lenders?
- Still get approved with bad credit: Bad credit loan direct lenders care more about your present income stream which will justify that you can pay up the loan in the present, not your old records of poor credit.
- Borrow from home: You can bypass the need to visit banks or complete any paperwork.
- Quick processing: Bad credit loans from direct lenders can be approved in 24 hours, and you get funded as early as the next business day.
- No collateral: With your regular income stream, you can get a loan without the need for collateral.
What Is A Credit Score And How Can I Improve My Credit Score?
A credit score shows your ability to repay a loan and whether you can pay it off on time by assessing your financial information. The higher the number, the higher the trust lenders have in you to repay loans. The great thing is that you can raise your low credit score. Pay your present bills on time. By avoiding late or missed payments, you can improve your credit score over time.
Will Direct Lenders Give Offers To People With Very Poor Credit With No Credit Check?
Lenders always focus more on the borrowers’ ability to repay the loan based on their present income stream instead of bad credit history. Hence, even with bad credit, you can still access the loan. And some direct lenders that do offer online no credit check loans with high approval rates for bad credit borrowers will run a soft credit check to essentially get your basic financial information. This type of credit check does not have a bad influence on borrowers' poor credit.
What Is The Maximum Amount I Can Borrow With The Bad Credit Loan?
At iPaydayLoans, you can borrow as much as 35,000 dollars from direct lenders. Usually, the variance of the amount you can borrow is based on your credit score, ability to repay the loan, income stream, and financial position, among others.
Get Cash When You Need It Most
Get StartedFrequently Asked Questions:
Can I Receive The Fund Quickly?
After your bad credit loans direct lenders at iPaydayLoans have approved, you will likely receive the fund as soon as in the next 24 hours.
Do I Need A Guarantor?
No. The network of direct lenders we have partnered with will not require you to have a guarantor when you access a bad credit loan from them.
What Should I Do If I Can Not Repay The Bad Credit Loans From Direct Lenders?
If you are unable to pay off the bad credit loans, you are supposed to get connected with your direct lender immediately so as to avoid some charges and penalties which are determined by them.