Have a Low Credit Score? Loans for Bad Credit Can Help.

We understand it can be challenging to maintain a good credit score. That’s why we offer loans for bad credit, so you get the money you need when you need it most.

Join the community that used bad credit loans to cover unexpected expenses.

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What are Bad Credit Loans?

Bad credit loans are designed specifically for people with poor credit histories or who have had difficulty obtaining credit in the past. This type of loan can be used for any purpose, such as paying off debt, covering unexpected expenses, or making a large purchase. They are usually unsecured, meaning that you don’t need to put up collateral to secure the loan.

Why Choose Wise Loan for Poor Credit Loans?

At Wise Loan, we believe everyone deserves credit access, regardless of your credit history. That’s why we offer poor credit loans, providing an alternative to traditional lenders who may be unable to help you if your credit score is low.

We also understand that time is essential when you need money. That’s why our application process is quick and easy, meaning you can get the money you need as soon as the same business day.


We offer flexible payment options, allowing you to choose a repayment plan that works best for you. We also report your on-time payments to all the credit bureaus to help you improve your credit score or establish one if you don’t currently have one.

Wise Loan offers Bad Credit Loans to applicants in the following states:

Frequently Asked Questions

How Do I Get a Loan with Bad Credit?

Complete our online loan application for a bad credit loan with Wise Loan. The process is quick and straightforward, requiring basic personal information and details about your financial situation. We’ll assess your application based on our criteria, not just your credit score. At Wise Loan, we look beyond your credit score. There is no minimum credit score to apply. Approval is swift, and if approved, you could receive funds as soon as the same day. If you have a checking account with a debit card, it is possible to receive funds in as little as 15 minutes. Remember, providing accurate and complete information will help expedite the process. Learn more about how to get a loan with bad credit.

Where Can I Get a Loan with Bad Credit?

Online lenders, including Wise Loan, offer loans to individuals with bad credit across several states, including Delaware, Idaho, Louisiana, Missouri, South Carolina, Texas, Utah, and Wisconsin. Our loans are designed for those who might not qualify for traditional loans due to their credit history. By applying through our website, you can quickly see if you’re eligible for a loan, with the possibility of receiving funds the same day you’re approved.

What are the Types of Loans for Bad Credit?

At Wise Loan, we offer unsecured loans for bad credit, so you don’t need to provide collateral like a home or car to secure the loan. Types of bad credit loans include installment loans, payday loans, personal loans, and emergency loans. Our bad credit loans are flexible and can be used for various purposes, including debt consolidation, unexpected expenses, or significant purchases. The key is finding the right loan type that fits your financial situation and goals, and our team is here to help guide you through that process.

How Much Can I Borrow?

The amount you can borrow with a bad credit loan from Wise Loan depends on various factors, including your income, state, and financial history. Generally, loan amounts can vary widely to ensure they fit your needs and repayment ability. At Wise Loan, we offer a range of loan amounts from $500-$1,500.