Small Loans for Bad Credit:
Get $500 to $5,000 Fast

Sometimes you just need a little help to get through the month. Our lenders specialize in small loans for people with less-than-perfect credit. No collateral needed, fixed monthly payments, and funds as fast as next business day.

✓ No credit impact  •  ✓ 100% free  •  ✓ Takes 2 minutes

$2,500

Average Loan Amount

68%

Approval Rate

4.7

Average Rating

24 hrs

Typical Funding

Check Your Small Loans for Bad Credit Options

What Are Small Loans for Bad Credit?

Small loans for bad credit are personal loans typically ranging from $500 to $5,000 designed for people with credit challenges. They're perfect for covering unexpected expenses, small emergencies, or bridging the gap until payday - without the predatory terms of payday loans.

Unlike payday loans that trap you in debt cycles, these are installment loans with fixed monthly payments spread over 3-24 months. They're easier to budget for and can actually help rebuild your credit when paid on time.

Our lender network includes options with APRs starting as low as 5.99% for qualified borrowers, though rates vary based on your credit profile and state regulations.

Loan amounts from $500 to $5,000 - Perfect for small emergencies
No collateral required - Unsecured personal loans
Fixed monthly payments - Easy to budget and plan
Terms from 3-24 months - Flexible repayment options
Fast funding - Often next business day

Small Loans for Bad Credit FAQ

Common questions answered

Many lenders in our network work with credit scores as low as 500. However, approval depends on multiple factors including income, employment stability, and debt-to-income ratio - not just your credit score.
Small loans for bad credit typically range from $500 to $5,000. First-time borrowers usually qualify for lower amounts and can access larger loans after establishing payment history.
Most applicants receive a decision within minutes. If approved, funds are typically deposited the next business day, though some lenders offer same-day funding.
No! Small personal loans have fixed monthly payments over 3-24 months. Payday loans are due in full within 2-4 weeks and often have APRs over 400%. Our network does not include payday lenders.
Yes! Most lenders report to major credit bureaus. Making on-time payments helps build positive credit history over time.
Common uses include car repairs, medical bills, utility bills, rent shortfall, appliance replacement, or consolidating smaller debts. Lenders generally don't restrict how you use the funds.

Available in All 50 States

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Ready to Check Your Options?

See what you qualify for in 2 minutes. No credit impact.

✓ No credit impact  •  ✓ 100% free  •  ✓ Takes 2 minutes