Need a Personal Loan for Bad Credit?
Apply Online
Even With Poor Credit
No Credit Checks

Apply for your Personal Loan for Bad Credit this minute with Funding Zest. Apply for $100 up to $35,000 and repay in a month or up to 5 years. Our free online application form takes under 5 minutes and you get an instant onscreen decision.

Where Can I Find a Personal Loan for Bad Credit?

Funding Zest can provide you with a Personal Loan for Bad Credit throughout the U.S. and match your online loan application with lenders near you who is most likely to give you the cash you need with the best terms.

We also make every effort to get your money into your account the same day or by the next business day.


When You Personal Loan for Bad Credit – You Need Money Now!

Going the slow route by applying through your bank could take too long for your pressing financial needs. We understand that you’re in a hurry so we do everything possible to make the application process and the funds-to-your-bank process as streamlined and simple as possible.

Get Your Personal Loan for Bad Credit Loan In 3 Simple Steps

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

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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 Personal Loan for Bad Credit?

A Personal Loan for Bad Credit can help you borrow money quickly and simply. If you have an emergency financial situation and your paycheck won’t arrive in time then a Personal Loan for Bad Credit from Funding Zest can get you through the worst.

Funding Zest will do a soft credit search but will also take into account things like:

  • How old you are
  • Whether you rent or own your home
  • How much cash you’re asking to borrow
  • The amount you make each month
  • Is your job part-time or full-time
  • How much of a loan you can afford to repay

So, even if you’ve been turned down for a loan due to your credit score, Funding Zest’s lenders take many other factors into account.

Can I Get a Personal Loan for Bad Credit?


Yes, Funding Zest has lenders who will consider applications even with bad credit.  If you’re approved we help facilitate you getting your money as soon as possible even on the same day. Our entire application process is online and can be accessed day or night round the clock using your smartphone, tablet, or laptop.  

Of course, the best chances for same-day approval would be during working hours so our lenders can do their checks and if they have follow-up questions, give you a quick call. Also, have all the information handy they may need i.e. pay stubs showing income, employment information and any other current loans. 


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


You can apply for a Personal Loan for Bad Credit with Funding Zest as long as you can answer ‘Yes’ to these eligibility requirements:

  • Are you over 18?
  • Do you have American citizenship?
  • Is your minimum monthly income at least $800?
  • Do you have a bank account where we can deposit your funds?
bad credit loans

Can I Get Money Now Without a Credit Check?


No. Running a credit check is always the first thing a lender will do. Looking at your credit score allows the lender to see if you will be a good risk for lending. Make sure you look for a lender broker like Funding Zest who uses a soft search credit check method that doesn’t leave a footprint in your credit history so doesn’t harm your credit score. You wouldn’t want repeated credit checks showing up in your history as this may be a red flag to future lenders.

Does Funding Zest Offer a Personal Loan for Bad Credit?


Yes. As a lender broker, we work with many lenders even those that consider bad credit loans. So, if you have a bad credit history or have even been turned down by your bank for a loan one of our lenders may be able to help you get the money you need NOW.

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.