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Viva Payday Loans > Bad Credit Personal Loans – Personal Loans for Bad Credit

Bad Credit Personal Loans – Personal Loans for Bad Credit

If you’ve been avoiding the option to borrow money online because you have bad credit, you’re in for a great surprise. Bad credit may seem like the end of the world, but it’s not really. Of course, there are downsides to bad credit, but for the most part, bad credit personal loans can solve a lot of your financial woes when your FICO score dips below 600 (or even lower). Many people with bad credit wrongly believe that they’re out of options when they need to borrow money. The truth is that there are more options for bad credit borrowers than ever before, and bad credit loans are no longer a rare product – they’re the norm.

What people use bad credit personal loans for:

  • Debt consolidation
  • Medical expenses
  • Home renovations
  • Family emergencies
  • Relocation costs
  • Wedding expenses
  • Vehicle and household repairs

And much more.

In the sections below, you will learn everything there is to know about personal loans for people with bad credit available here through

What are Bad Credit Personal Loans & How Do They Work?

Bad credit personal loans are fixed-rate loans aimed at borrowers who have low or non-existent credit scores. One of the biggest perks of a bad credit loan is that no collateral is used, but an even bigger perk is that your credit score plays a minor role in approving personal loans for bad credit.

Instead of determining the outcome of the loan application by looking at your credit score, the lender will dig a little deeper into how you handle your finances right now. They want to know if you’re paying your bills on time and in full now. They want to know how many loans you have and will also want to take a look at your bank statements and pay stubs and compare the figures to a list of monthly expenses you service each month. Your debt-to-income ratio is more important than your credit score when it comes to bad credit personal loans.

If you have a FICO score of 300 to 629, the local bank will most certainly turn you down for a loan, and that’s why personal bad credit loans have been emerging on the market steadily over recent years. While personal loans bad credit online are convenient, they hold a higher interest rate than regular bank loans.

Bad credit personal loans can range in value from small amounts paid over several months to larger amounts paid over 24 months.

Personal loans for people with bad credit at Viva Payday Loans:

  • Amount: $200 to $5,000
  • Term: 2 to 24 months to pay
  • Interest: 5.99% to 35.99%

To borrow money online and to get personal loans with bad credit, the process is somewhat simpler than you’d think. The first step is to complete an online application form and then receive an offer from the lender. Next, simply sign the loan agreement and wait for the money to arrive in your bank account.

All that’s left to do is ensure that you keep your account in good standing. Ensure that you’re aware of the terms and conditions of your loan and the expected repayment period so that you can make the payments on time and in full. This responsible lending behaviour will improve your credit score and ensure that you have a higher chance of approval when you need to take a loan in the future.

Types of Bad Credit Personal Loans

You can find different types of bad credit personal loans at Viva Payday Loans.

Bad Credit Personal Loans

If you’ve been worrying about bad credit impacting your personal loans application, worry no more! At Viva Payday Loans, we have a comprehensive panel of the most reputable personal loans lenders in the US, many of which specialize in offering bad credit personal loans.

We believe everyone deserves a second chance, and so do our lenders. We’re well suited to find a solution for you where other lenders have denied you a loan and allow you to improve your credit score by paying responsibly. We do the leg work to ensure you get the best deals on bad credit personal loans, so you don’t waste time and money with unsuitable lenders. Best of all, it won’t cost you a cent!

Our lenders offer bad credit personal loans ranging from $100 to $5,000 with interest rates between 5.99% and 35.99% and repayment periods of 2 to 24 months. Instead of focusing on your bad credit score, they consider your affordability based on your current monthly income and expenses.  

Urgent Loans For Bad Credit

We’re all about the quickness at Viva Payday Loans. Our quick online application process, rapid assessment, and approval ensure you get offers for urgent loans for bad credit within minutes! We’ll connect you to lenders who offer speedy payouts within the same day you apply or 24 hours at the latest.

Urgent financial emergencies can’t wait, and we guarantee not to keep you waiting around either when you apply for urgent loans for bad credit.

Direct Lenders For Bad Credit Personal Loans

At Viva Payday Loans, we connect you to direct lenders for bad credit personal loans from our comprehensive panel of reputable lenders. You get access to some of the best lenders in the US free of charge. The last thing you want is to deal with brokers who charge exorbitant fees to connect you to lenders.

We understand your profile and needs through our easy-to-fill online application form and match you with suitable direct lenders for bad credit personal loans within two minutes.

Bad Credit Personal Loans Guaranteed Approval $5,000

You can be sure to get bad credit personal loans guaranteed approval at Viva Payday Loans. With us,

 you won’t have to wonder about your loan application outcome. You’re guaranteed to get a bad credit personal loan within two minutes of clicking the submit button.

Our lenders readily help borrowers with a less than perfect credit score and those with no credit history. All that matters is that you’re eligible and can afford to repay the requested loan amount. You can choose as high as a bad credit personal loans guaranteed approval $5,000 or lower with the minimum being $100.

Personal Loans For Bad Credit And Low Income

Having bad credit and low income can be a tricky situation when seeking personal loans. And that’s where Viva Payday Loans comes in. We welcome all eligible Americans regardless of their credit score or income level. You can get personal loans for bad credit and low-income borrowers with flexible repayment periods that suit your budget.

With a few simple clicks, you can access loans for all kinds of occasions, needs, and budgets. The important thing is to ensure you borrow an amount you can comfortably repay within your current budget.

Online Loans For Bad credit

At Viva Payday Loans, you get the ultimate digital convenience with online loans for bad credit. The entire process takes place online, from application to funding.

We believe waiting around for a lending decision is overrated, so we’ve designed an online system that ensures you get an instant outcome on online loans for bad credit. Try our quick online application process today for bad credit personal loans from $100 to $5,000.

Best Personal Loans

We feature the best personal loans in the US designed for the everyday American. Whatever you need or desire, Viva Payday Loans got your back! Whether you’re searching for a few hundred bucks to bridge you over to your next payday or something more substantial, you can get funding right here with the best personal loans.

The best personal loans should be easy to repay, so you’re not indebted for long. Our lenders work with you to ensure repaying the loan feels like a breeze and your credit score improves in no time.

Installment Loans For Bad Credit

With installment loans for bad credit, you get to repay the loan amount in regularly scheduled payments over a few months or years. You pay back a portion of the loan plus a percentage of the interest in each installment payment.

Installment loans for bad credit feature more extended repayment periods and are an excellent option if you need quick cash and extra time to pay back over several months.

Bad Credit Personal Loans For Veterans

As a veteran, you can face various financial challenges as you transition into civilian life, and bad credit can make it challenging to get the financing you need. Through Viva Payday Loans, you can get bad credit personal loans for veterans suitable for multiple needs.

Whether you need to cover an unexpected expense, make a purchase or simply improve your credit score, you can get bad credit personal loans for veterans from $100 to $5,000 with repayment periods of 2 to 24 months.

Bad Credit Personal Loans For Debt Consolidation

Debt consolidation loans are used to gather multiple high-interest debts into one low monthly payment. Bad credit personal loans for debt consolidation are an excellent option if you have a bad credit score and struggle under the weight of numerous debt and interest payments.

Follow our simple online process to apply, and we’ll help you get your debt under control in a matter of minutes.

Bad Credit Personal Loans For Self Employed

Getting a loan of any kind from traditional lenders can be a headache without ‘formal employment,’ and having bad credit can make it harder. However, at Viva payday Loans, we welcome all eligible Americans regardless of their occupation or credit history.

Our lenders offer bad credit personal loans for self-employed borrowers. To qualify, you only need to show that you can afford to repay the amount requested based on your self-employment earnings and expenses. You can borrow from $100 to $5,000 and get flexible repayment periods tailored to your budget and payday, and this can be weekly, fortnightly, or monthly.

Bad Credit Personal Loans With Cosigner Guarantor

Don’t shy off if you need a little help applying for a loan. You can approach a responsible person in your life, like a friend or relative with a good credit history and financial standing, and have them cosign your loan. They effectively ‘guarantee’ the loan and act as a form of security.

Bad credit personal loans with a cosigner or bad credit personal loans with a guarantor can help you improve your credit, and they’re quickly approved because the risk to the lender is reduced. While you’re still responsible for repaying the loan, the cosigner agrees to step up and repay if you default. This makes lenders more willing to advance you higher amounts at more favourable rates than if you were taking out the loan individually.

Bad Credit Personal Loans With Collateral

Collateral refers to an asset or item of value used to secure a loan, significantly reducing the lender’s risk even if you have bad credit. Bad credit personal loans with collateral feature deals in terms of the interest rates charged and the amount you can borrow.

If you default, the lender can repossess the collateral or sell it as a last resort to recover the loan. Thus, you’ll be motivated to repay to avoid losing your asset. It’s wise to ensure you only borrow amounts you can comfortably repay to prevent risking your property and penalties.

Bad Credit Personal Loans In California

California has strict lending and borrowing rules, and all our lenders ensure they adhere to the state regulations. We work with the most reputable lenders in the US to guarantee your peace of mind at all times.

We only connect you to registered lenders who offer bad credit personal loans in California. They’re transparent with their fees, charges, terms of service, and contact information, and you can confirm this when you perform your due diligence.

Bad Credit Personal Loans In San Antonio

You can access bad credit personal loans in San Antonio through Viva Payday Loans. We’ll connect you with reputable lenders registered with a valid certificate from the City of San Antonio.

When you apply for bad credit personal loans in San Antonio, you’ll get lenders who follow the lending guidelines with contracts and terms that are easy to understand.

Bad Credit Personal Loans With No Credit Check

Bad credit personal loans with no credit check don’t require a credit check for approval. They’re perfect for borrowers with bad credit or those with no credit history. Lenders will only consider your monthly income and expenses to determine affordability.

Bad credit personal loans with no credit check are excellent if you want to improve your credit score or cover small sudden expenses. They feature small amounts from $100 to $2,000 that are easy to repay.

Bad Credit Personal Loans With Low Monthly Payments

Bad credit personal loans with low monthly payments make repaying the loan easy and affordable. This ensures you don’t miss or delay your repayments, reflecting positively on your credit score.

Lenders at Viva Payday Loans will work with you to set up bad credit personal loans with low monthly payments suitable to your budget and deduct them automatically on the day you get paid. This provides you with the convenience of not worrying about budgeting or missing payments and ensures the lender is paid on time.

Features of Bad Credit Personal Loans

While Viva Payday Loans operates as a brokerage, we present loans from lenders with similar features. Therefore, when you apply for a bad credit personal loan through our portal, you can expect the following features of bad credit personal loans:

Flexible Repayment Schedules

There’s no need to worry about having to readjust your finances to fit in with the strict repayment schedules of the lender. Lenders want you to afford your bad credit loan and don’t want you to be under any financial duress. Because of this, they will ask you when you’re paid. If you’re paid weekly, weekly repayments can be arranged. Much the same, if you get paid bi-weekly or monthly, your repayment schedule can be set to suit your paydays.

The Loan Terms

When a lender speaks about a “loan term,” they’re referring to the number of weeks or months you will need to repay the entire loan. If you need a one-month advance personal loan for bad credit, the loan term will probably be 7 to 30 days, and the amount you can loan will most likely be up to $1,000. If you’re taking out a bigger loan amount of up to $5,000, bad credit personal loan terms can be anything from 2 to 24 months.

Loan Costs

The total fees that a lender can charge you on your bad credit personal loan are determined by the Consumer Financial Protection Bureau (CFPB) and can vary from one state to the next. The first cost you need to be aware of is the interest charged. With short terms, up to 30 days, you can expect an interest rate that climbs as high as 400%. The interest usually ranges from 5.99% to 35.99% on longer loan terms and bigger loan amounts. 

Another fee to be aware of is the monthly service fee. Some lenders charge a percentage or a set fee, depending on the loan amount. The most common fee charged is $15, but you might see lender fees ranging from $10 to $30. Lastly, the hidden fees are something to be aware of when you apply for a loan. Hidden fees can include early settlement fees and late payment fees.

Reputable Lenders with Credibility

Undoubtedly, you only want to get into a financial agreement with a lender that treats its customers well, is available to answer questions, and is entirely upfront with their fees. Lenders on our panel at Viva Payday Loans provide detailed loan agreements featuring all the fees expected when providing personal loans online bad credit.

When you apply for a loan through our portal, you will be put in direct contact with the lender and have access to all of their contact details. You’re also welcome to scout them out online – reading online reviews can tell you everything you need to know about a lender.

Next-Day Payment

Most people who borrow money online are in a hurry for cash. Emergencies and unexpected expenses don’t wait, and neither should you! When applying for personal loans for bad credit online, your poor credit won’t hold you back at On approval of your application, you can expect the loan to be paid into your bank account within 24 hours.

Examples of Bad Credit Personal Loans Near Me

Here’s what to expect when you apply for personal loans with bad credit:

Lender Interest APR Loan Amount Payout
Avant 9.95% to 35.99% $2,000 to $35,000 24 hours
LendUp 30 – 180% $100 – $500 24 hours

The above table includes examples – the figures and rates can change without notice.

Advantages & Disadvantages of Bad Credit Personal Loans

Small bad credit personal loans and signature loans online come with the following advantages and disadvantages of bad credit personal loans attached:


Flexible Repayment Options

Bad credit personal loans via our website can be customized according to your financial situation. This means that the lender will review your details and then speak with you to decide what the best repayment option is. You will find that you can repay the loan monthly, weekly, or even bi-weekly.

Decent Loan Thresholds and Terms

Some bad credit borrowers are disappointed when they discover that they can only get 1 month bad credit personal loans or $100 personal loan for bad credit to get them to their next payday. When using our loan-finding website, you will have access to loans that range from $200 to $5,000 and come with repayment terms of 2 to 24 months.

Five Minute Application Process

When applying for perosnal loans with bad credit, the entire process is quick and easy. You will only spend about five minutes completing the online application form, and you will know in just two more minutes if your loan is approved or denied.

Affordability is More Important than Credit Score

Bad credit loans are designed for people with bad credit. As such, different merits are used to determine if you’re a good loan candidate. With bad credit personal loans, the lender focuses on your income-to-debt ratio instead of your credit history.

Money in Your Account by the Next Day

The perosnal loans for people with bad credit you can find through Viva Payday Loans provide instant cash to bad credit borrowers. Loans are paid out within 24 hours.


High Costs

Some 7 to 30-day loans come with hefty interest rates of up to 400%.

Are You Eligible for Personal Loans for Bad Credit?

By now, you’ve established that easy loans are readily available through, but the question begs to be answered; are you eligible for personal loans for bad credit? If you meet the following requirements, you can get a bad credit personal loan today.

  • Minimum age of 18 years
  • US citizens and permanent residents only
  • Government-issued identification
  • Have proof of address
  • Earn at least $1,000 per month.
  • Active bank account

How to Apply for Personal Loans for Bad Credit

Whether you need bad credit personal loans, no credit check personal loans for bad credit, 1 month bad credit personal loans, $100 personal loans for bad credit, or any other type of fast bad credit personal loans, the process is the same through Viva Payday Loans. Here’s how to apply for personal loans for bad credit:

Step 1: Get Your Paperwork in Order

Before you start filling out the online application form at, have all your documentation ready to send off on request. You will need to provide the following supporting documents: utility bill (proof of address), bank statements, copy of your ID and pay stubs.

Step 2: Take Five Minutes to Complete the Online Application Form

Got five minutes to spare? Great! That’s just enough time to click on “Apply Now” and input your loan and personal details into the quick and easy online application form. Once you hit “Submit,” you’ll only wait two minutes to hear if a lender is able to assist you. Even if a lender cannot assist you, you’ll be advised immediately. Qualifying applicants will be sent directly to the online portal of the lender able to assist.

Step 3: Review the Agreement and Get the Cash

Once you have been transferred to the lender’s website, you will be presented with the bad credit personal loan details. This should tell you how much the lender is willing to provide you with (this may be less than the originally requested amount), the interest rate, and any associated charges.

It’s important to read through the entire proposed agreement to ensure that you don’t overlook anything important in the terms and conditions, rates, and expected payment schedule. If you’re happy with what you read, you only need to add your digital signature to the document and make sure it’s sent back to the lender. There’s only one thing to do – sit back and wait for the cash. Lenders only take 24 hours to deliver on their promises.


What Type of Bad Credit Personal Loan Should I Apply for if I Only Need $300?

Personal loans for people with bad credit are available for amounts of up to $1,000 or $2,000. Small loan amounts of around $300 are usually repaid over 7 to 60 days. The interest rate on short term small loans can be high.

How Long Will I Have to Replay My Bad Credit Personal Loan?

Once your loan amount has been paid into your bank account, your loan period starts. Your first repayment will be in 30 days from that date via automatic debit. After that, depending on the loan amount taken, you will have two months to 24 months to pay according to your agreement with the lender.

How Do I Know if I Will Afford the Monthly Installments?

Affordability should be of paramount importance to both you and the lender when you apply for personal loans for bad credit. The lender will initially allow you the option to choose which repayment plan suits your income and available cash flow best.

Many bad credit borrowers focus on keeping their monthly installments as low as possible and so elect to repay the loan over several months or even years. Keep in mind that while extending the loan term will present you with low monthly payment amounts, you will end up paying a lot in interest.

Generally speaking, you should not spend more than 35% to 40% of your income on debt. This includes your home mortgage, vehicle finance, and bad credit personal loans. If you earn $5,000 per month, you should try to keep your debt repayments to no more than $1,750 and $2,000 to ensure affordability.

Are Personal Bad Credit Loans Available to People With a FICO Score Under 500?

Yes, they are. Bad credit personal loans are aimed at people who have a low credit score but can prove affordability. For bad credit borrowers, it’s all about your income-to-debt ratio.

Are Personal Loans for Bad Credit Online Available to Bankrupt Individuals?

If you are in the process of bankruptcy, you cannot apply for a personal loan of any type without getting official court approval first. However, if your bankruptcy is finalized (you will probably have spent several years repaying debts), then you can apply for a personal loan. 

How Can I Improve My Chances of Getting Personal Bad Credit Loans?

People with bad credit find it more challenging to get a personal loan than people with an excellent FICO score. If you want to increase your chances of getting a personal loan with bad credit, start by reducing your monthly expenses. You need to show that you can afford the monthly installments you will have to pay. Another way to improve your chances is to ensure you have all the required supporting documents ready and make sure that you earn the minimum requirement of $1,000 per month.

Are Personal Loans Bad Credit Online Available in Connecticut?

No, perosnal loans have been banned in Connecticut along with the following states: West Virginia, Vermont, Pennsylvania, Massachusetts, and Maryland. You cannot simply go to another state to apply, as your proof of address will be required to verify where you live.

What is the Possible Reason for My Loan Application Being Rejected?

If your bad credit personal loan application was rejected, there are a number of reasons why. The first thing that lenders will look at is how your income and expenses compare. If you have high monthly expenditure and a low salary, they may deem you unable to afford the monthly installments. If you earn below $1,000, your loan application may also be rejected.

Are Bad Credit Personal Loans Available to People Who Cannot Get Traditional Bank Loans?

Yes. Most people who borrow money online are unable to get traditional bank loans. A bad credit personal loan is designed with borrowers just like you in mind. They are easier to get approval for than regular loans and have simpler eligibility requirements.  The cost of this convenience is often seen in high interest rates, which are higher than that of traditional banks.

Is a Bad Credit Personal Loan Bad for My Credit Score?

No, personal loans for bad credit are not bad for your credit score unless you miss payments or default on your loan agreement. If you keep your account in good standing, your bad credit loan might even improve your credit score.