Fast Loan Advance helps you explore personal loan options even if you have bad credit. Our platform connects you with a network of trusted lending partners who specialize in flexible loan offers, including for borrowers with low credit scores.
It is free to check – It won’t impact your credit score
Complete our short, secure, and easy form in just minutes.
Our lenders consider all credit score ratings, from no rating to excellent!
Select your lender and receive your funds as soon as the same business day.
Once you're approved by one of our trusted lending partners, you could receive your funds as soon as the same day—fast access when you need it most.
Your information is encrypted and protected every step of the way. Apply, get approved, and receive your funds entirely online.
Fast Loan Advance is the go-to solution for millions seeking speed, transparency, and trustworthy service—because experience and reliability make the difference.
Here’s a representative example of interest rates, terms, fees, and total repayment costs.
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Interest Rate (APR) | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Other Fees/Costs (%) | 5% | 5% | 5% | 5% |
| Other Fees/Costs ($) | $50 | $100 | $250 | $500 |
| Monthly Payment | $99.29 | $105.86 | $140.84 | $212.90 |
| Number of Payments | 12 | 24 | 48 | 60 |
| Total Payment | $1,191.48 | $2,540.64 | $6,760.32 | $12,774.00 |
APR Ranges From 5.99% up to 35.99% For Qualified Customers 91 Day Minimum up to 72 Month Maximum Repayment Period
We are happy to help.
No. When you check your rate for a bad credit loan, we perform a soft credit inquiry, which does not impact your credit score. You can explore your loan options safely.
Bad credit loans can be used for nearly any personal expense, including:
You decide how to use the funds based on your needs. It’s your loan, your choice.
Yes. Bad credit loans are designed specifically for people with low credit scores, limited credit history, or a record of missed payments. We work with lenders who understand that life happens and offer solutions based on your income, employment, and ability to repay, not just your credit score.
Timing depends on the lender, but in many cases, once you’re approved and accept your loan offer, funds are deposited as soon as the next business day. Some lenders may take up to 2–3 business days, depending on processing time.
Get offers from lenders who understand your situation
and are ready to help.