How To Get Personal Loan With a Poor Credit History


There is nothing that can make you feel bad like the inability to get a loan the time that you need. Reason? Bad credit history. Having a bad credit history is something that can deny you a lot of good loan deals.

However, nobody has ever wished themselves to be in a situation with a bad credit score. For a good credit rating, you can check the best credit cards for fair credit. But, uncertainties happen, and you get yourself in such cases. However, you may need to get a loan to sort out an emergency at one point in life.

Fortunately, some lenders are willing to help you out, regardless of your bad credit history. You will need to fill out some online forms, and you will be good to go.

Let’s see the lenders who can rescue you in case you need a financial boost.

1. Vivapayday loans

Vivapayday is a platform where borrowers meet lenders willing to give them loans regardless of their bad credit. The many lenders on the forum can help you if you do not have a credit history or bad credit. Most lenders here do not run credit checks for their clients, which means that you can get a payday loan as long as you have 18 years and above.

You can get a payday loans Australia at Viva Payday Loans from $100 up to $5,000 and repay it from 3 months to 24 months. In addition, it will only take 2 minutes to receive a decision on whether you will get the loan you have applied for or not. So, if you need a loan to cover an emergency, Vivapayday is the place to go.

Another good thing about Vivapayday is that there are no upfront fees or costs when applying for any loan. In addition, apart from payday loans, you can also get installment loans on the platform.

APR of the lenders on the platform range from 5.99% up to 35.99%. However, to qualify for a Vivapayday loan, you have to have a stable income of $1000 and above, and you have to be a U.S citizen.

2. HeartPaydays

Heartpaydays is another lending platform to meet different lenders who can help you with your bad credit history. With a FICO credit score of 600, you can get a good loan on the Upstart platform. However, those with a lower credit score or without credit history can also get a loan on the platform.

On the platform, you can get a loan starting from $1000 up to $50,000, and you can repay in 36 to 60 months. You can use the loan to refinance your car, debt consolidation, and also home renovation. The APR ranges from 6.95% to 35.99%.

3. OneMain Financial

On OnemainFinancial, you can also get loans regardless of your bad credit history. You can use the loan for any emergency or to consolidate your debts. The limits start from $1,500 up to $20,000. You can pay off the loans on this platform from 24 to 60 months.

The APR ranges from 18.00% to 35.99%, and there is an origination fee of 1% to 10 %. In addition, if you don t repay your loan on time, you will pay a late payment fee of up to 15%.

4. Avant

Avant is yet another lending platform where you can get a loan with a bad credit history. The APR on the platform ranges from 9.95% to 35.99%. You can also get a loan from $2,000 up to $35,000.

When you apply for a loan in Avant, you will get the cash in your bank account within one business day. So, if you have an emergency, you can consider applying for a loan on the platform.


All the above platforms allow you to make an application online. They can also help you to rebuild your credit score. Remember that you should focus more on building your credit score. So make sure you can comfortably repay the loans that you get from those lenders.