Bad Credit Loans Online & Get up to $5,000 Today

Personal loans for borrowers with bad credit history can be a real deal. Direct lenders can’t guarantee a 100% positive result, but they certainly accept your application and consider it for approval.

No matter how bad or good your credit is, you have a good chance to improve your financial situation here and now. We at Justrightloans understand how hard it can be to find a good bad credit personal loan from direct lenders if your credit score is far from being perfect. Still, it is possible. We are here to help you.

What Is Considered a Bad Credit Score?

A bad credit score is considered to be a score below 640. If your credit score remains in this range, you will find it hard to qualify for traditional loans. At the same time, you have a chance to get approval for bad credit long term loans with guaranteed approval. If you can prove your ability to pay everything back, you won’t have to go through a “hard” credit check. However, you will have to face the highest interest rates.

What Is a Bad Credit Loan?

A bad credit loan is a personal loan issued to individuals with bad credit history or no credit history at all. This doesn’t mean that the credit score is not considered. It just doesn’t serve as the only factor that matters when reviewing loan applications.

No direct lender can guarantee 100% approval. Those borrowers with bad credit past who get approved, have to face higher interest rates and less attractive loan terms.

If you fail to make repayment on time, you may find yourself even in deeper debt by minimizing your chances of getting a loan in the future. To avoid the risks, you should use the loans responsibly. Make sure to keep your credit history and current debts under control.

Advantages of Bad Credit Personal Loans

Bad credit payday loans have certain advantages that make this type of borrowing attractive for potential borrowers. Let’s check some of them!

  • Fast funding: Most available direct lenders make it fast and easy for applicants to get cash funding. The whole procedure takes up to 24 hours.
  • Eligibility for bad credit score holders: Applicants with bad credit history have a chance to get financial support. What’s good is that you may find a loan with an affordable interest rate.
  • Convenient repayment terms: Depending on the selected lender and the type of loan, you will have a repayment plan that you can deal with. The repayment terms may stretch from several months to several years.
  • Possibility to enhance your credit score: If you make on-time payments, your credit score will get improved. It doesn’t mean it will get high straight away. But you will become a more attractive candidate next time you submit a loan application.

Types of Bad Credit Personal Loans Online

Before you apply for bad credit personal loans with guaranteed approval of up to $5,000, you should decide on the preferred format. Here are the major options to choose from:

Payday loans

A small short-term personal loan is suitable for employed borrowers who need to cover their expenses until the next paycheck. If used for a longer period of time, it usually comes with high interest rates and drastic penalties.

Installment loans

A long-term personal loan is provided to people with poor credit scores. The repayment doesn’t need to be made all at once. Instead, the loan is split into several payments over a certain period of time.

Title loans

A secured personal loan feature collateral that eliminates the need for a credit check. Loan lenders do not focus on the borrower's credit history. They keep a driving vehicle’s title unless the full repayment is made.

How to Improve Your Credit Score with Bad Credit Loans

When approved and used correctly, bad credit loans online can help you enhance your credit score. By making full, on-time payments, you can improve your credit score. If it is below 640, it won’t skyrocket just like that. But it will definitely get increased.

By the way, it's possible to use a personal loan for the single purpose to increase your credit score. But it isn't something we would recommend to our customers.

Apply for the Best Bad Credit Loans with Justrightloans

We’ve made an application process quick and easy. Just consider the following eligibility criteria before you go any further.

  • National ID or residence permit in the US
  • Age of 18 years (21 in some US states)
  • Proof of stable income and official employment
  • Active checking bank account
  • Valid contact details like phone number and email

At, we offer the best bad credit loans online. To get access to one of them, you will need to take a few simple steps.

Complete an Online Loan Application

Our application process is fast, easy, and absolutely safe. You just need to provide some personal details (full name, age, physical address), government issued ID card, proof of monthly income, phone number, and bank account.

Speedy Approval

After receiving your application, we try to review it as soon as possible. It usually takes us a few minutes to make a loan decision. If approved, we need you to look through the loan agreement and put your electronic signature on it.

Fast Cash Funding

Once we receive your consent, we try to provide you with cash funding within 24 hours. You will most likely get money deposited into your bank account on the same day or the next day.

You may be in a situation that you feel like you can’t get out of it. At Justrightloans, we know that everybody needs financial support. Whether you need an online loan for debt consolidation, home repairs, or medical treatment, we are there to help you.

If getting bad credit loans with guaranteed approval sounds good to you, feel free to apply now. If you are lucky enough, you may get your money on the same day!

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