Direct Lenders for Bad Credit Personal Loans

Are you tired of being turned down for loans because of bad credit? Look no further! Direct Lenders for Bad Credit Personal Loans are here to help you get the funds you need, regardless of your credit history. Say goodbye to rejections and hello to financial freedom with our trusted network of direct lenders.

The best loans for poor credit include Viva Payday, 100lenders, Green Dollars, Big Bucks, and Fundsjoy. The benefits of direct lenders for bad credit personal loans include:

  • Faster approval process: Direct lenders can often approve your loan application more quickly than banks or other financial institutions.
  • Better terms: Direct lenders may be more willing to work with you to get you the best possible terms, such as a lower interest rate or a longer repayment term.
  • More flexibility: Direct lenders may be more flexible with their lending requirements, such as the amount of collateral they need you to provide.

5 Best Loans for Poor Credit

Here are some best personal loans for poor or bad credit scores with almost guaranteed approval:

1. Viva Payday Loans 

Viva Payday Loans offers a convenient borrowing experience by connecting you to specialist lenders for the best installment loans for bad credit through a simple online process. Borrowers with excellent or bad credit can borrow from $100 to $5000, with fast feedback and speedy payouts. Repayments range from 3 to 24 months.

Eligibility requirements for Viva Payday Loans:

  • 18+ years of age
  • Legitimate US citizen
  • Proof of ID and address

Pros highlight

  • Convenient borrowing
  • Simple online process
  • Free access to specialist lenders
  • Multiple loan options
  • Speedy payouts


  • Missed payment fee
  • APR from 5.99% to 35.99%

Terms: VIVA Finance offers unsecured personal installment loans up to $10,000, with APRs ranging from 11.99% to 35.99% and repayment periods from 5 to 24 months. Loans are subject to VIVA Finance’s underwriting policies and approvals are primarily based on employment information, but loan offer amount and rate may vary based on other factors such as income and credit history. There are no penalties for early repayment. VIVA Finance is not affiliated with any employers and releases them from any liability.

2. 100Lenders

Eligibility requirements for 100Lenders:

  • Age: Must be at least 18 years old.
  • Citizenship: Must be a U.S. citizen or permanent resident.
  • Bank account: Must have a valid checking or savings bank account.
  • ID: Must have a government-issued photo ID.
  • Income: Must have a minimum monthly income of $1,000.

How to Apply for a 100Lenders Loan

  1. Start by creating an account on the 100Lenders website.
  2. Complete the loan request application, which includes providing your desired loan amount, monthly income, bank account type, and other qualifying criteria.
  3. Be matched with a minimum of three lenders who are willing to offer you a loan.
  4. Select one of the lenders and sign the loan documentation.
  5. Receive your funds in your bank account within 24 hours.

Key highlights for a 100Lenders loan

  • Same-day approval – Don’t wait days or weeks to get the funds you need. With 100Lenders, you can be approved for a loan and have the money in your bank account on the same day.
  • Loans up to $40,000 – Whether you need a small loan to cover an unexpected expense or a larger loan to consolidate debt, 100Lenders can help.
  • Loose qualification criteria -Don’t let strict qualification criteria keep you from getting the funds you need. 100Lenders has loose qualification criteria, so you’re more likely to be approved.
  • Qualified network of participating lenders -100Lenders works with a qualified network of participating lenders, so you can be sure you’re getting the best possible deal.
  • Direct deposit of funds by the next business day- Once you’re approved for a loan, the funds will be deposited directly into your bank account by the next business day.
Loans from $100 to $40,000Military personnel not eligible
Same day approvalThe majority of lenders extend up to $10,000
No credit checkMinimum $1,000 monthly income required
No minimum required credit scoreNot available to Connecticut, New Hampshire, Washington, and Vermont residents
Connects with direct lenders
Excellent source of no credit check loans

Terms: 100Lenders is an online marketplace that connects borrowers with a network of lenders for payday advance loans with no credit check, ranging from $100 to $40,000. APRs(Annual Percentage Rates) vary by lender, with many offering up to 35.99%. Each lender has their own terms for origination, prepayment, and late/insufficient funds fees. A representative loan of $20,000 with a 34% APR and no origination fee would result in a total repayment of $23,871.65 over one year. APRs offered are affected by factors such as credit score and debt-to-income ratio.

3. Green Dollar Loans

Green Dollar Loans offers a smooth online process to connect borrowers with no credit history to understand lenders for the best installment loans. Lenders focus on affordability and offer loans from $100 to $5000, with fast responses and flexible repayments from 3 to 24 months. APRs range from 5.99% to 35.99%.

Eligibility requirements for 100Lenders:

  • Minimum age of 18 years
  • Government-issued ID
  • Proof of steady income


  • Smooth online process
  • Zero discrimination
  • Borrow money with non-existent credit
  • Fast responses
  • Flexible repayments


  • 5.99% to 35.99% APR
  • Late payment penalty.

4. Big Buck Loans

Big Buck Loans offers access to lenders with reasonable APRs ranging from 5.99% to 35.99% for the best installment loans with no credit check. You can apply online in minutes and borrow from $100 to $5000, with feedback in 2 minutes. The platform is user-friendly and features a wide panel of lenders with swift disbursements and flexible repayment terms from 3 to 24 months.

Eligibility requirements for 100Lenders:

  • 18+ years of age
  • Active US bank account with direct deposit
  • Government-issued ID


  • Easy application in minutes
  • Small to medium-sized loans
  • 2-minute feedback
  • User-friendly platform
  • Affordable loans


  • APR from 5.99% to 35.99%
  • Late payment fee

Terms: Personal Loan amounts range from $250 to $5,000, but not all lenders can provide the maximum amount and not all referrals are accepted. If you do not qualify for a Personal Loan, you will be referred to alternative sources. This site refers you to sources including lenders and networks of lenders, but does not make loans or credit decisions. Cash transfer times may vary and faxing may be required in some circumstances. This service is not available in all states and should not be considered a long-term solution. Lenders may perform credit checks with credit reporting bureaus or alternative providers. By submitting your request for a referral, you authorize referral sources to verify your information and creditworthiness.

5. FundsJoy 

Eligibility requirements for FundsJoy:

  • 18 years of age or older
  • Has a Bank account
  • Got a recurring monthly income
  • U.S. citizen or permanent resident
  • Valid email and social security number
  • Completed online application through the FundsJoy portal

FundsJoy is a platform that connects borrowers with a network of bad credit direct lenders offering loans up to $5,000. They are an excellent source of online personal loans for unexpected expenses and credit card debt consolidation.

One of the things that set FundsJoy apart is its versatility. They offer both unsecured and secured personal loans, with APRs ranging from 5.99% to 35.99% and repayment terms of 1 to 60 months. FundsJoy also emphasizes speed, with a quick 2-minute application process that can get you matched with a lender in minutes.

In addition to bad credit installment loans, FundsJoy also offers cash advance and installment loans. APRs, repayment terms, and fee structures vary by lender, but they typically range from 4.99% to 450% for personal loans, 200% to 1386% for cash advance loans, and 6.63% to 225% for installment loans.

If you’re looking for a quick and easy way to get a bad credit loan, FundsJoy is a great option. They offer a variety of loan types to fit your needs, and their application process is simple and straightforward.

How to Apply for a FundsJoy Loan

Applying for a FundsJoy loan is easy and can be done entirely online. Here are the steps involved:

  1. Visit the FundsJoy website and click on the “Apply Now” button.
  2. Complete the online application, which includes providing your name, email address, phone number, and other personal information.
  3. Enter your desired loan amount and all qualifying information, such as your monthly income, payment source, and credit score.
  4. Submit your application and wait for FundsJoy to review it.
  5. If approved, you will be connected with several participating lenders. You can then choose the lender that offers the best terms for you.
  6. Sign the loan documents and receive the funds in your bank account within 24 hours.
Loans up to $5,000Not a direct lender
APRs from 5.99% to 35.99%No forbearance or hardship options on installment loans
No credit checkLoan origination fees of up to 5%
Direct lenders in their networkMaximum loan amount of only $5,000
An extensive network of direct lendersLate and insufficient funds fees vary by lender
One to five-year repayment termsHigh 200% – 1386% APRs for cash advance loans
No minimum credit score requiredLightning-fast approval times
The quick and easy application processNot available in all states
Bad credit scores accepted
Variety of loan types are available
A variety of loan types are available
Competitive interest rates


FundsJoy is an online marketplace that connects borrowers with a network of lenders who offer alternative payday loans. These loans are available to borrowers with bad credit and no credit check.

Loan amounts range from $200 to $5,000, and APRs range from 5.99% to 35.99%. FundsJoy does not charge an origination fee, but lenders may charge other fees, such as prepayment fees and late fees.

The total amount you pay will depend on the loan amount, APR, and repayment term. For example, a $4,500 loan with a 34% APR and a one-year repayment term would cost $5,371.12, including interest and fees.

Several factors affect the APR you are offered, including your credit score and debt-to-income ratio.

What is a Personal Loan?

A personal loan is a type of loan that can be used for a variety of purposes, such as consolidating debt, paying for unexpected expenses, or making home improvements. Personal loans typically have terms of one to five years, and the interest rate you are offered will depend on your credit score and other factors.

How to Get a Personal Loan

The first step to getting a personal loan is to compare rates from different lenders. You can use an online loan calculator to estimate your monthly payments and total interest costs. Once you have found a lender that offers a competitive rate, you will need to submit a loan application. This application will typically include information about your income, assets, and debts.

What to Expect When You Get a Personal Loan?

Once your loan application is approved, you will receive the funds in your bank account within a few days. You will then begin making monthly payments to the lender. The amount of your monthly payment will depend on the amount of the loan, the interest rate, and the length of the repayment term.

What are Rapid Funded Loans?

If you need funds quickly, you may want to consider a rapidly funded loan. These loans are typically offered by online lenders and can be funded within a few days. However, rapid-funded loans often have higher interest rates than traditional personal loans.

How to Get Started

If you are considering a personal loan, the first step is to compare rates from different lenders. You can use an online loan calculator to estimate your monthly payments and total interest costs. Once you have found a lender that offers a competitive rate, you can submit a loan application.

How a Personal Loan Can Help You.

When an emergency strikes, you need access to quick cash. Whether it’s a medical bill, a car repair, or a home improvement project, you don’t have time to wait for a traditional bank loan.

Can you get a guaranteed loan with bad credit?

Yes, It is possible to get a guaranteed installment loan with bad credit and instant approval. Many lenders understand the need for low APR installment loans for bad credit borrowers without an established credit history. Online marketplaces like ZippyLoans and VivaLoans are highly recommended.

What app will let me borrow money instantly?

Earning and Brigit are two highly recommended cash advance apps that offer quick emergency cash for short-term expenses, up to $100 a day or $750 per pay period. To qualify, you must be employed with regular direct deposits going to a valid checking account. Loan proceeds will be withdrawn on your next payday.

Where is the easiest place to get a loan?

Instant approval for guaranteed installment or alternative payday loans can be obtained through payday, pawnshop, or auto title lenders. However, these options are not recommended due to their high predatory APRs and excessive renewal fees that can damage your credit history.

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