Warning: Late repayment can cause you serious money problems. For help, go to MyMoney.gov. We are a broker, NOT a lender.
Warning: Late repayment can cause you serious money problems. For help, go to MyMoney.gov. We are a broker, NOT a lender.
If you've ever been declined for a loan, you're not alone. It can feel like a closed door—but the truth is, you can get a personal loan with bad credit in the US. The key is understanding what lenders look for and where to apply.
This guide covers how bad credit loans work, the different types of loans available, and how a trusted credit broker like Credit Results can match you with lenders who say "yes."
“Bad credit” typically refers to a FICO® score below 580, but your credit history may be impacted by:
Even if you fall into this category, it doesn't mean you're ineligible. Some lenders look at your current ability to repay more than your past credit mistakes.
Yes—you can still apply and get approved. In fact, many lenders specialize in personal loans for poor credit. What matters most:
💡 Pro tip: Use a broker like Credit Results that uses soft credit checks. This lets you explore your options without hurting your score.
Even with poor credit, you might qualify for:
No collateral required. You receive a lump sum and pay it back over time.
You pledge an asset (like a vehicle) as collateral.
Someone with good credit signs with you, increasing approval odds.
Usually due within weeks or months. Useful for urgent cash needs.
You don’t need perfect credit—but you do need to be loan ready. Here’s how:
💡 Lenders want to see that you can repay going forward—even if your history isn’t perfect.
Trying to apply for loans with bad credit can be stressful—but a broker simplifies the process.
Here’s why brokers like Credit Results are so effective:
At Credit Results, we specialize in helping applicants with low or no credit find lenders offering safe, same-day or next-day options.
Before choosing a loan, consider:
Always read the fine print and compare before accepting an offer.
Q: Can I get a loan with a charge-off or default on my report?
Yes—some lenders specialize in borrowers with past issues.
Q: Will applying lower my credit score?
No—when you apply through Credit Results, we use soft searches that don’t affect your score.
Q: Do I need a co-signer?
Not always. Many lenders will assess your income and credit alone.
Q: What kind of interest rates should I expect?
Rates vary based on your profile but could range from 20% to 99% APR. The better your income-to-debt ratio, the better the rate.
Credit Results is a trading style of Fort Media LLC, a company incorporated in the United States.
Principal Office Address: 7345 W Sand Lake Rd, Ste 210, Off 7688, Orlando, FL 32819.
Registered Office Address: Resident Agents Inc, 8 The Green, Ste R, Dover, DE 19901.
Fort Media LLC operates as a credit broker, not a lender. We do not charge customers a fee for using our services but may receive a commission from lenders or other brokers if a customer enters into a consumer credit agreement following an introduction through our platform. We work with a selected panel of lenders and brokers to offer a variety of credit and loan products.
When you apply for a loan through us, the lender will provide you with all relevant information about interest and associated charges. Please note that the lender or broker we refer you to may not offer the cheapest loan available for your specific needs.
Loans are available to individuals aged 18 or over and are subject to status and affordability checks. While many applications are processed online, certain circumstances may require lenders to contact you directly.
By using our services, you agree that all communications will be in English.