How To Apply

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This page was updated Thursday the 20th Jan 2022

Commentary is for informational purposes only. See legal disclaimers

Step One: Run an APR Report

Use our our free APR estimator (patent pending) tool to get quick estimate on the interest rate you'll be paying.

APR Reports In Your Area (?)
Enter zip and your 3 digit credit score.

Step Two: Calculator Payments & Cost

Using the estimated APR from step one, enter the amount you want to borrow, and the length of the loan term in years. Try different term lengths to see how much it will cost you and how much your payments would be. Make sure you can actually afford the monthly payments.

Each lender's fee structure is different so this loan calculator is just for estimation. It calculates your monthly payment, total interest paid, and the amount of money paid back to the lender over the term.

- - - - - - - - - - - - - - - - - - Enter
  Loan Amount
  Interest rate
  Term In Yrs
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  Mo. Payment
  $$ To Lender
  $$ of Interest

Step Three: Submit Your Pre-App

Now that you have a good idea what you can afford in a monthly payment, and how much you want to borrow, go ahead and submit your pre-app to the lender pool.

You can apply here using our Standard Loan App method if you don't want to read about the usury laws in your State regarding APR, interest, penalties, and fees.

If you want to speed up the process even more you can read below on the Fast Loan App method.

Standard Loan Pre-App
Accessing Bad Credit Lender Pool (?)

Learn about GAP (Gift Angel Program)

For People With Bad Credit

I think you will agree with us when we say;

"It's REALLY HARD to get approved for a loan with bad credit."


But listen:

We've spent over a decade trying to solve this problem, and although we can't guarantee approval for every applicant, we can at least give you the best chance at getting approved with a low credit score.

We seek out lenders who approve loans to people with bad credit, and we give them access to your application (500+ lenders in the pool as of 2022).

Remember this:

Lenders don't simply make a decision based on your credit score. There are many different factors that go into a lender's decision. Here is a good read on lender decision making.

And did you know:

Most borrowers with bad credit ratings don't default on their payments. They may have made some mistakes, or had some bad luck in the past, but they don't want to make things worse by defaulting on their loan payments going forward.

That's a lot of business conventional lenders are missing out on, and there's a new generation of lenders stepping up to service those people with bad credit.

And NO...we're not talking about predatory lenders that charge massive APR on short term loans (yech).

Here's some good news:

We don't charge you a penny to use our unique application process and by submitting a short pre-app you get instant access to hundreds of bad credit lenders without damaging your credit score.

Details On Our Approval Process

On our State and City pages you find lists of local lenders in your area that provide loans. We've provided a phone number, street address, and their website address if they have one.

You can apply for a loan with these lending institutions and depending on your credit score (and their policies and procedures) you may, or may not get approved.

If you have a bad credit score, or only a fair credit score, these lenders may not be able to approve your loan with a reasonable interest rate.

If you can't find a local lender to approve your loan, then you can apply here using the information below. We have a lender pool consisting of 500-600 (as of Thursday the 20th of Jan 2022) private lenders, credit unions, and banks who have a track record of doing business with people who have low credit scores.

There are two ways to apply for your loan.

Standard Speed Application Form

The Standard Loan Pre-App Form is when you fill out any application form on our main menu pages listed above. This is for people who don't want to bother navigating to a State information page and take the time to review the usury laws and regulations governing their area of residence. And we totally get that. Some borrowers just want to get it over with and move on.

Fast Speed Application Form

Then there's the Fast Loan Pre-App Form when you navigate to your State's page and review the consumer lending laws, rules, and regulations in your service area. On that page you will find the Fast Loan Pre-App which sends your request for funding to the top of the que.

So you're probably saying to yourself, "Wait a minute! Sounds to me like this so-called Fast method is the SLOW way". We assure you, it's not. Your request gets sent to the top. Ahead of all the Standard Loan Pre-Apps.

We set up our system this way to encourage consumers to take action and learn about the lending laws in their own back yards. Knowledge is power. When you know what your rights are (and the lender's rights) you can make better and wiser financial decisions.

Furthermore, we want all of our visitors to know what the legal rates of interest are in their State so they can spot a predatory lender coming a mile away.

On your State and/or City page we have helpful links such as credit counseling services, maps, consolidation providers, debt settlement firms, job search, government websites, and college/university links on the chance you might want to increase your monthly income in that way.

Thank you for reading this brief explanation.

Standard Speed Loan Pre-App Method

  1. Apply using pre-app form above
  2. Enter your State of residence
  3. Enter reason/purpose of loan
  4. Enter amount you want to borrow
  5. Check your entries and submit
  6. Will not further damage your credit score

Why Use The Standard Loan Pre-App?

  1. If you don't need to read your state info
  2. You just want to submit and move on
  3. You're not in a rush to get approved
  4. Will not further damage your credit score

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Fast Loan Pre-App Method

  1. Select your State from directory
  2. Fill out the pre-app form and submit it

Why Use The Fast Loan Pre-App?

  1. Your app is sent to the top of the lender pool
  2. See local information on state and city pages
  3. Review your state's usury laws and regs
  4. Upgrade your job and/or education

Either pre-app method will get your application for a loan reviewed by lenders in the pool.

Once you click submit, your first stage is instantly registered in our system and you are taken to the full pre-app form to fill out. Don't worry, the full application only takes a minute or two to complete, and it's secure.

Please read the instructions and our terms of service before applying.

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What Happens After You Apply?

As soon as you submit your pre-application it's sent to our review center. Our staff reviews your request making sure it's in compliance with the rules listed above. Once approved your pre-app is forwarded to our backend system for lenders to review.

How Long Before I Hear Back?

This is the question we get asked the most. The answer is it varies. It depends on the day of the week, time of day, how many lenders are browsing and reviewing applications, and what you submitted in your pre-app. When a lender reviews your application and believes they can help you with a loan approval based on the information you provided, they will email you with questions and/or an offer.

Thank You For Using

Thank you for using our service and we wish you all the best. Directly below you will find the directories where you select the State you reside in and submit your Fast Loan Pre-App. We highly recommend reading the information regarding usury law.

Quick Tip For Thursday the 20th Jan 2022

"It's never too late to turn around your bad credit and financial problems. Never assume you're too old to start over. Did you know that Colonel Sanders of the KFC empire didn't start franchising his chicken recipe until he was 62 years old? Yep. It's never too late to start a new idea. You can change your personal finances for the better now, and your future will start to change for the better." - This money management tip was provided by Chris Somerset

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