Get Approved for a Loan Today, Even with Less-Than-Perfect Credit

Our network includes lenders with high approval rates that consider factors beyond just credit scores. While approval is never guaranteed, we connect you with providers who approve many applicants that traditional banks might decline. Our average approval rate across all credit types is 91%.

Yes. Many of our lending partners specialize in approving borrowers with less-than-perfect credit. They look at your overall financial picture, including income and employment, not just your credit score. We have a 74% approval rate for applicants with credit scores below 600.

Our approval process is simple: complete a short application, receive a rapid decision, and if approved, review your loan offer. The entire process is designed to maximize your chances of approval with minimal hassle. Many applicants receive approval decisions within 5 minutes.

Initially, most lenders in our network perform a "soft pull" to pre-qualify you, which doesn't affect your credit score. A hard credit check may only be performed if you proceed with a full application after pre-approval. This approach helps protect your credit score while still allowing you to check your approval chances.

Basic requirements typically include: being at least 18 years old, having a steady source of income, an active checking account, and verifiable contact information. These simplified requirements help maximize your approval chances compared to traditional lenders who often have much stricter criteria.

Loan terms vary based on the lender, loan amount, your credit profile, and state regulations. Typical terms range from 3 to 60 months. Interest rates and fees will be clearly disclosed before you accept any offer. All terms will be presented for your review before you make any commitment.