How to Get a Loan Regardless of Poor Credit History

December 17, 2021

Do you have a bad credit history? Well, don’t panic. You are not alone in that. I know how it can be frustrating to get a loan with a poor credit history. However, most lenders prefer to give loans t8 individuals with a credit score of more than 680.

Therefore, having a bad credit history can land you serious problems whenever you need some emergency funds. However, some lenders can help you out regardless of your credit score.

But before I show you how to get a loan with poor credit history, I need you to understand more about credit histories.

So, what is a Credit History?

Credit history records your previous interactions with loans and credit cards. For example, if you haven’t been repaying on time or even defaulting on the loans, then your credit history will be poor.

When you take a loan from a lender, they will report your repayment time in one of the three credit bureaus. If you have several loans that you don’t repay on time, the more likely your credit score will be poor.

Here is a breakdown of credit scores

  • 350-579 Poor
  • 580-669 Fair
  • 670-739 Good
  • 740-799-Very Good
  • 800-850 Excellent

Most lenders need to work with borrowers with a credit score of more than 680. However, that should not discourage you. There is still hope.

What do you need to get a loan with poor credit history?

Because you have a poor credit history, there are factors that lenders consider before giving you a loan.

Which are:

  • You must have a stable income flow

It’s impossible to get a loan without income. Otherwise, lenders will not risk their money. Therefore, you need to have income that you will use to repay the loan.

The loan is a short-term solution to a long-term problem. Therefore, income is the only sure way to solve your financial needs. So make sure you have multiple income streams.

  • You must provide valid identity documents

Every lender needs a valid identity document before starting working with you. Therefore, always verify your documents before you go ahead and apply for a bad credit loan.

In addition to documents, you must have more than 18 years of age. Lenders do not work with minors because they can report to no one in case of default. However, some laws protect children, and they are untouchable.

  • You should provide your actual residence address

Lenders need to know where you stay, whether you are taking a bad credit loan or not. In addition, your residence allows them to follow up if you default on the loan.

Now that you know what you need to get a loan with poor credit history, where do you get the loans?

Where to Get Loans Regardless of Poor Credit History

Viva Payday Loans

Viva Payday Loans are my number one site that I recommend using when you need a bad credit loan. Viva Loans is not a direct lender. Instead, it links borrowers with potential lenders to help them get loans.

With Viva lenders, you can access a loan starting from $100 to $5000 with a repayment term not exceeding two years. In addition, the APR on this site ranges from 5.99% to 35.99%. Therefore they are cheaper than typical payday loans online quick approval.

I like Viva because you get the lenders’ decision within 2 minutes after submitting your application. Therefore, they are suitable for catering to emergency needs. In addition, they will still accept you with a bad credit history.

BadCredit Loans

BadCredit loans is another site that links borrowers with lenders. On this site, you’ll get loans starting from $500 up to $10000. Like Vivapayday, the APRs here range from 5.99% to 35.99%.

In addition, just like the name suggests, you can still get a loan here regardless of your poor credit score. The loan terms extend up to 36 months.

PersonalLoans is yet another site where you will meet with lenders who can give you personal loans even with a poor credit score. On this site, you can get loans starting from $1000 up to $35000. The maximum amount here is enormous. Therefore, you can do significant projects once you get a loan.

The APRs start from 5.99% to 35.99%, and the repayment terms can extend up to 72 months, giving you flexible moments of repaying the loans.


CashUSA is a lending site available in all 50 States of America. I this site, you will meet with potential lenders who will give you loans starting from $500 to $10000.

The APRs on this site start from 5.99% to 35.99%. In addition, the repayment terms can extend from 3 months to 72 months. The great part is that you can still get a loan with poor credit.

Bottom Line

Now you know it’s possible to get a loan with bad credit. However, I recommend that you not make wrong decisions regarding cash. I recommend that you only take the tiny amount you can comfortably repay.


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