We all make mistakes at times, and that includes our finances. No matter the reason, if you have bad credit, you might be worried that you won’t be able to get the money you need — when you need it.

hundred dollar bills

It’s true that bad credit can make it a little more difficult to get quick cash when things get tricky. However, there are lenders that specialize in making loans to those with poor credit. These lenders are often flexible and can provide you with solutions that might not be available at more traditional brick and mortar banks, whether you just need a couple of thousand dollars to get through the next week, or whether you need to buy a car fast.

Here’s where you can look if you need quick loans for bad credit.

Best Short-Term Personal Loans for Bad Credit

Short-term personal loans are paid back in a relatively short period of time, usually over six months or up to a year. Additionally, they are usually small, often not allowing you to borrow more than $2,500.

In many cases, you can get short-term loans that are approved in minutes, with the funds arriving in your bank account as soon as the next business day. Realize, though, that these types of loans often come with very steep interest rates. If you need quick cash and can pay it off fast, it might not matter as much, but it’s important to pay attention and avoid renewing these loans if possible.

CashAdvance.com

  • Network of lenders
  • Loan amounts between $100 and $1,000
  • Interest rate ranging from 200% to 2,290%
  • Various loan terms, depending on the amount
  • Must show that you make at least $1,000 per month
  • Must show that you’ve had a job for at least 90 days

MoneyMutual

  • Online marketplace with network of lenders
  • Loan amounts of up to $2,500
  • Interest rates depend on type of loan and term
  • Various loan terms, depending on how much you borrow

Read our full review of MoneyMutual

With any short-term lender, make sure that you can handle the fees. If you need more than a few months to repay the debt, consider a personal installment loan instead of a short-term quick cash loan.

Best Personal Loans for Bad Credit

With a personal loan, you can generally borrow money for up to 72 months. Personal loans might also allow you to borrow more money, sometimes up to $40,000. However, if you’re looking for personal loans for bad credit, you’re more likely to be limited to $5,000 or $10,000.

When you apply online, you can still usually get a fast decision and have the money in your bank account within a couple of business days from being approved.

PersonalLoans.com

  • Network of lenders
  • Loan amounts between $500 and $35,000
  • Interest rate ranging from 5.99% to 35.99%
  • Loan terms ranging from 3 to 72 months

Read our full review of PersonalLoans.com

CashUSA.com

  • Loan amounts between $500 and $10,000
  • Interest rate ranging from 5.99% to 35.99%
  • Loan terms ranging from 3 to 72 months
  • Use the loan for any purpose

Read our full review of CashUSA

BadCreditLoans.com

  • Network of lenders
  • Loan amounts between $500 and $5,000
  • Interest rate ranging from 5.99% to 35.99%
  • Loan terms ranging from 3 to 60 months
  • Specializes in borrowers with poor credit

Read our full review of BadCreditLoans

Look for ways to avoid extending a personal loan too long, though. Even though you could get a lower payment, that means that you’ll be paying for a longer period of time. As a result, you could easily end up paying a lot more than you expected in interest. Carefully consider how you can get an affordable monthly payment without keeping the loan for too long.

Best Car Loans for Bad Credit

When you need to buy a car, you might not have time to save up or improve your credit score. As a result, you might be looking for online lenders that offer car loans for bad credit. If you need to buy a car quickly so you can get to work, consider getting a loan with one of these lenders, all of which offer quick application decisions and funding.

couple buying a new car

myAutloan.com

  • National network of lenders, resulting in offers in minutes
  • Loans for new and used cars
  • Refinance a current car loan
  • Interest rate varies based on credit factors
  • Amount of loan depends on your car and other factors

Read our full review of MyAutoLoan

Car.Loan.com

  • Specializes in cars for those with bad credit and bankruptcy
    Provides financing for first-time car buyers
  • No application fees
  • Interest rate varies based on credit factors, usually between 3.99% and 29.99%
  • Amount of loan depends on what you’re buying and other factors

Read our full review of car.Loan

With an online car loan provider, you’re likely to be approved for a set amount and then receive a certificate you can show to car sellers. Interest rates can be fairly steep, though, so you might want to be careful of getting a fast cash car loan if you don’t need something immediately.

Best Home Loans for Bad Credit

Even with poor credit, it’s possible to find lenders willing to provide you with a home loan. However, be aware that you might need to pay higher interest. In some cases, you might be better off renting until you can raise your credit score and get a better rate.

But if you need a quick response to see what you qualify for, there are some options. Here are some of the places where it’s easiest to apply for a home online.

LendingTree

  • Large network of lenders across the country
  • Receive up to five offers very quickly
  • Use for purchase, refinance, and home equity
  • Offers reverse mortgage options
  • Interest rate based on various factors

Read our full review of LendingTree

Credible

  • Network of lenders
  • Focuses on home loan refinancing only
  • Includes cash-out refinancing options
  • Complete the entire process on Credible
  • Interest rate based on various factors, including credit situation

Read our full review of Credible

Quicken Loans

  • Nation’s largest online home loan provider
  • Get a home with as little as 3.5% down
  • Use for purchase, refinance, and debt consolidation
  • Free preapproval
  • Interest rate based on various factors
  • Known for servicing its own loans, rather than selling them

Whenever you get a home loan, though, you still need to show a great deal of documentation related to your financial situation as well as your income. If you have bad credit, you’re more likely to get a home loan if you can make a larger down payment.

Home loans, including refinancing loans, are more complex and so you need to be prepared, especially if you have credit problems or a thin credit file.

Borrow Responsibly

Whenever you need a loan with bad credit, it’s important to be ready to borrow as responsibly as possible. The right quick loan can help you shore up your finances or even get back on the right financial track. However, it’s important to carefully consider your options. The quicker you get your cash, and the worse your credit, the more you are likely to pay.

Only borrow what you need, and make sure you can truly afford the payments and the interest and fees that come with any loan. Recognize that there’s a price to pay when you need fast financing and have bad credit. If you need the cash fast and this is the only way to get it, do your best to limit how much you borrow and pay it back as quickly as you can.