If one payment is due
Compare the full payment with the money available on that date. In the published $300 example, the $90 finance charge brings the first-date payoff to $390.
Compare published one-payment examplesBad credit loans
Applying online with bad credit?
If you need a small loan and are unsure what a lender will review, check how your income, checking account and loan history fit the application requirements.
Before you share your details
What could hold up your application?
Choose the concern that applies to you. Each answer points to what to check and what you can do next.
My credit score is low or I have little credit history
Start with the direct-route criteria. The FAQ says the direct application does not use the three major traditional bureaus, while the application details and prior loan history are subject to verification. If the request is matched, the Terms allow participating lenders to check credit or specialty databases.
Read who can obtain information, what they may check and when you authorize it. Read the matching terms.
My income is irregular or comes from a different source
Check what can be verified. The FAQ lists a job or proven income. If your pay changes, is seasonal or comes from a source other than an employer, ask which evidence is accepted before applying. Use the date you actually expect to be paid when evaluating repayment.
Ask about income documentationI use a prepaid card, savings account or have no direct deposit
Compare your setup with the stated requirement. The FAQ lists a checking account in good standing with employer direct deposit. Confirm whether another setup is acceptable before entering account information. Check who can debit the account and on which dates before signing an agreement.
Read the account requirementsI was declined or already have a loan payment due
Find out what needs to change before you apply again. If a lender declined the request, read its notice and ask about any information you believe is inaccurate. For an existing payment, contact the servicer listed on the agreement before the due date and compare repayment options and fees before taking another loan.
Compare a published repayment exampleI want to know who receives my information
Read the consent on the form before submitting. The Terms describe direct review and a separate matching route. If another lender presents an offer, check its legal name, privacy notice, payment terms and contact details before accepting.
Read the privacy policy · See direct and matched routesApplication review
What happens before you can accept an offer?
Pay attention to who asks for your information and which step you’re authorizing.
- Before you submit
- Review the form disclosures. The published FAQ also lists U.S. citizenship, age 18 or older, a verifiable phone and email. Check the direct-loan state exclusions.
- During review
- The Terms describe verification of application details and prior loan history. Any participating lender’s credit checks and verification requirements depend on its own disclosures.
- When you see an offer
- Check the lender name, amount deposited, APR, total of payments and first due date. Compare the first payment with the money you expect to have after bills.
Compare the same amount
What if the offer has several payments?
A smaller first payment can still lead to a higher total. Compare offers for the same amount deposited before choosing a schedule.
If several payments are due
Compare the total of all scheduled payments, the dates and how much each reduces the amount owed. Use the schedule in your actual agreement to check early payoff and fees.
Read the payment termsQuestions about applying with bad credit
Is there a minimum credit score?
Review the direct-route criteria in the FAQ and the disclosures for any lender that receives the request. The direct application reviews other information, including prior loan history. A matched lender can use different criteria.
Does applying guarantee an offer or a deposit?
Submitting the form starts a review. Any offer, amount or deposit depends on the lender’s decision and the remaining agreement and verification steps. See the funding stages.
Ready to send an online request?
Read the form disclosures before sharing your information. Review the lender, total cost and payment dates in any offer.
Continue to the online application