SMART BORROWING STARTS HERE
Bad credit?
You still have options
Fast Loan Advance connects you with trusted lenders offering flexible personal loan options, even if you have bad credit.
It is free to check – It won’t impact your credit score
How can a bad credit loan help you?
HOW IT WORKS?
Easy steps, built for every credit background
Submit your request
Complete our short, secure, and easy form in just minutes.
Review top lender offers
Our lenders consider all credit score ratings, from no rating to excellent!
Receive your funds
Select your lender and receive your funds as soon as the same business day.
WHY FAST LOAN ADVANCE?
We make it easier to get the loan you need—even with bad credit
Funds delivered in as little as 24 hours
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.
Secure, private, and fully online
Your information is encrypted and protected every step of the way. Apply, get approved, and receive your funds entirely online.
Trusted by 2M+ people annually
Fast Loan Advance is the go-to solution for millions seeking speed, transparency, and trustworthy service—because experience and reliability make the difference.
Smarter options for rebuilding your finances
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
Learn more about bad credit loans
We are happy to help.
What is a bad credit loan?
A bad credit loan is a personal loan designed for borrowers with low credit scores, limited credit history, or past credit issues. Through Fast Loan Advance, you can request a loan from $500 to $35,000 even if your credit isn’t perfect. We connect you with lenders in our network who look at your full financial picture, not just your credit score.
Can I get a loan with bad credit?
Yes. Fast Loan Advance works with lenders that consider all credit types, including bad credit, limited credit history, and past credit issues. Lenders look at your income, employment, and overall financial profile alongside your credit score. Submitting a request through Fast Loan Advance connects you with a lender who reviews your full situation.
What credit score is considered bad credit?
A FICO credit score below 580 is generally considered poor or bad credit, while scores between 580 and 669 are considered fair. Lenders in the Fast Loan Advance network work with borrowers across the full credit spectrum, so even if your score falls into the bad or fair range, you can still submit a request and see if a lender is willing to work with you.
Will a bad credit loan help me rebuild my credit?
It can. Making consistent, on-time payments on a personal loan can help improve your credit score over time, since payment history is one of the largest factors in your credit. Missing payments, however, can hurt your score further. Before accepting a loan, make sure the monthly payment fits comfortably within your budget.
We believe bad
credit shouldn't
hold you back
Get offers from lenders who understand your situation
and are ready to help.