Bad Credit Loans
With Poor Credit Scores
& No Credit Checks
Apply Online Today!

Apply for Bad Credit Loans Online with Funding Zest. We offer $100 to $35,000 repaid over 1 to 60 months with an instant onscreen decision. Use our free online application form. It takes less than 5 minutes.

Where Can I Find Bad Credit Loans?

Funding Zest can provide you with a poor credit loan across the entire US and we can match your application with a lender who is near you.

We can offer the best terms possible, with a good chance of having the money in your account in 1 hour or by the next business day.


Get your Bad Credit Loan In 3 Simple Steps

payday loans online


Which type of loan is right for you – payday, emergency, or installment? Funding Zest has them all.

quick cash loans

Apply Online

Use Funding Zest’s 100% online application for a simple, speedy instant decision.


Money in the Bank

If your application is approved your lender will send funds to your bank within one working day!

bad credit loans

What is a Bad Credit Loan?

A bad credit loan can help you borrow money even if you have a bad credit score. Maybe you have missed some payments in the past, but this should not define your future. If your finances are improving and you want to ensure you pay your loan on time, you can certainly apply and get the loan you need.

It is not just your credit score that is considered, Funding Zest’s lenders will take into account various things including:

  • Your age
  • Your type of residence
  • The amount you have asked to borrow with the lender
  • Your income.
  • Your employment status
  • Your affordability

There are a range of different loan types that can be made accessible to those with bad credit, including certain payday loans, installment loans and secured loans too.

Can I get a Same Day Loan with Bad Credit?

Yes, Funding Zest can facilitate bad credit loans on the same day of applying. The entire process is online and you can apply 24 hours a day, 7 days a week, using your desktop, cell phone or tablet.

Once approved and you have passed all the credit and affordability checks, you could have access to your funds within a matter of hours. To boost your chances of getting a same day loan, try to apply during office hours and make sure that all your information such as income and expenses are ready and prepared.


What is the
Eligibility Criteria to
Apply for a Bad Credit Loan?


You can apply for a bad credit loan with us as long as you meet the following four requirements:

  • Are over 18 years of age
  • Have American citizenship
  • Have a minimum monthly income of $800
  • Have a current account for us to deposit funds into your bank
bad credit loans

Does Funding Zest Offer Guaranteed Approval?


We cannot offer guaranteed bad credit loans, but we can help to match your personal details and loan requirements with the lender who is most likely to approve you and offer you the most affordable rates.

At Funding Zest, we are delighted to offer a free solution where you can apply with multiple lenders at once, with no fees for using our service and no impact to your credit score either. A loan can never be guaranteed and an individual will always need to be approved and show that they can afford to make their repayment on time and without falling into financial difficulty.

Do you offer Emergency Loans for Bad Credit?


Yes, you can get approved for bad credit loans for emergencies, such as an unexpected medical or veterinary bill. You can borrow $600, $800 or even $3000 to get back on your feet.

When it is an emergency loan, we appreciate that you will need cash quickly, so with an instant decision and fully online process, Funding Zest can approve your loan on the same day and sometimes, you can receive money to your bank account in just a few hours, and you’ll be considered even if you have bad credit.

Payday Loan | FAQs

Funding Zest will consider your no credit check loan application, but a credit check is automatically carried out for all borrowers.

Payday loan amounts with Funding Zest range from $100 to $35,000.

You can set up a repayment schedule that pays off your loan in 1 month all the way up to 60 months in equal monthly installments to stretch out your repayments.

You can always repay early if you would like to. If you do, you can save on interest.

Yes! Try it for FREE.  We never charge a fee for pairing you with the best lender for your financial situation. We do receive a commission from your lender once they’ve successfully delivered your loan to you.

Funding Zest will consider all credit histories.

Our lending partners will almost always carry out a credit check. This helps them determine if you are eligible for a cash advance. Credit checks are used to make sure that you can afford loans that are personal or unsecured. Such as a cash advance. If you are declined by one partner because of your credit score, there are others that we work with that are willing to look at loans for people with bad credit.

Sometimes loans are offered that don’t require a credit check and instead use collateral against the loan, such as a car or property to help you borrow money, like a Title Loan.

Funding Zest is a broker meaning that we pair you with the best lenders for your financial needs.