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Less than Great Credit? Bad Credit Loans in Missouri Can Help.

Experience financial relief with bad credit loans in Missouri, no matter your credit score. Begin your journey to overcoming financial hurdles today.

  • Super Fast Loan Decision
  • Instant or Same-Day Funding
  • Positive Payment History Reported to the Credit Bureaus

Join the numerous Missourians who have turned their financial situations around.

What are Bad Credit Loans?

Bad credit loans are designed for individuals with lower credit scores, typically between 500-625. If this describes your situation, you might be eligible for a loan with Wise Loan. These loans are important since they offer the chance to secure funds for unexpected emergencies, unforeseen expenses, or personal expenses. Unlike traditional loans, bad credit loans in Missouri are specifically structured to meet the distinct needs of each applicant. These loans provide an opportunity to borrow money and enhance your financial status. With Wise Loan, you can borrow loans from $500 to $1,500, giving you the necessary support to manage your financial path successfully.

How It Works

Getting a bad credit loan in Missouri through Wise Loan is uncomplicated and tailored for your ease.

1

Apply for a Loan

Anyone over 18 can apply for a loan. A checking account is necessary to apply. Our online application process is simple and intuitive.

2

Receive a Decision

Once you’ve applied, you can expect a decision quickly, typically within minutes to an hour. We look beyond just your credit score when approving loans.

3

Get Funds

If approved, funds are usually deposited into your account the same day, or the next day, ensuring your peace of mind. Direct deposit is needed to receive the funds.

Why Choose Wise Loan?

Selecting Wise Loan for your bad credit loan in Missouri means choosing a lender with an accessible application process, outstanding customer support, and versatile repayment plans. We recognize the significance of customized financial solutions and aim to offer terms that accommodate your specific requirements and situation. Our Nest Egg program and cash-back rewards further differentiate us, rewarding timely repayments and aiding your financial safety net growth. With Wise Loan, you’re doing more than just taking out a loan; you’re paving the way to a more stable and prosperous financial future.

Types of Bad Credit Loans in Missouri

Discover the variety of Missouri bad credit loans, including payday, installment, and personal loans.

Payday Loans

Perfect for addressing short-term financial gaps, payday loans provide an immediate cash boost to tide you over until your next payday. These loans are generally for small amounts and require repayment in a short timeframe.

Installment Loans

For those seeking a more organized borrowing experience, online installment loans come with predefined repayment schedules over time. This loan type is ideal for borrowers needing a larger sum and the predictability of fixed monthly installments.

Personal Loans

Personal loans are a flexible financial tool that offers a broad range of uses for larger expenses or consolidating debts. They typically feature longer repayment durations and the liberty to allocate the borrowed funds as needed.

What to Consider When Looking for Loans

In the quest for Missouri loans for bad credit, it’s essential to make a choice that complements your financial condition and aspirations. Pay attention to these crucial considerations:

Interest Rates

Seek out competitive interest rates that will be manageable for your budget.

Fees

Stay informed about any initial or ongoing fees linked to the loan.

Repayment Terms

Opt for repayment options that provide flexibility and align with your financial planning, keeping in mind your monthly spending.

Lender Reputation

Conduct thorough research on lenders to verify their credibility and positive customer feedback.

A thoughtful evaluation of these factors is crucial to selecting a loan that serves your needs while preventing further financial strain.

Eligibility Requirements in Missouri

To be eligible for bad credit loans in Missouri, candidates must fulfill certain conditions to demonstrate their ability to manage the loan responsibly. These prerequisites include:

Age

Applicants need to be at least 18 years old.

Checking Account

A valid checking account is a must.

Direct Deposit

A direct deposit is necessary to transfer funds.

Income

A reliable source of income is required to show you can repay the loan.

These requirements are put in place to protect both the lender and the borrower, ensuring loans are extended to those who can utilize them effectively without worsening their financial health.

Hear From Our Customers

    • 4.8
    • 1,125 reviews
    • 4.5
    • 1,907 reviews
    • 4.9
    • 2,839 reviews

Reviews

Wise Loan Rated 4.8 out of 5 stars based on 1525 customer reviews

Customers say: The reviews exhibit a positive sentiment, with a majority of customers expressing satisfaction with the service provided by Wise Loans. Positive reviews frequently mention helpful and friendly customer service representatives, with specific praise for their professionalism, knowledge, and kindness. Customers also appreciate the ease of the application process and the quick turnaround time for loan approval and funding. Additionally, customers highlight the competitive interest rates and the overall positive experience with Wise Loans. Negative reviews are present but are less frequent and tend to focus on minor issues such as difficulty understanding certain aspects of the process or experiencing delays in communication. However, the overall tone of the reviews remains positive, with a clear majority expressing satisfaction with the services provided by Wise Loans.


Excellent service




Review of Wise Loan

After my initial call got disconnected I spoke to Rey Tan when my second call was transferred. He was very helpful. He answered all of my questions and explained so I understood. I really appreciate his help today.

College StationTX77840 30.6175-96.3125

Response from Wise Loan:

Temika, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Excellent Customer Service

El PasoTX79938 31.84-105.9225

Response from Wise Loan:

Evangeline, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Good job




Review of Wise Loan

He was helpful

ShreveportLA71104 32.485-93.73

Response from Wise Loan:

Sheila, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Great representative

HoustonTX77038 29.92-95.4475

Response from Wise Loan:

Glenda, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent Serive




Review of Wise Loan

Thank you so much for all your help!

San AntonioTX78242 29.355-98.61

Response from Wise Loan:

Danielle, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Customer




Review of Wise Loan

Good/ professional service,takes to long to get an agent on the phone

LancasterTX75134 32.635-96.8025

Response from Wise Loan:

Loretta, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent Service!




Review of Wise Loan

So helpful when I needed it most!

Balch SpringsTX75180 32.7175-96.615

Response from Wise Loan:

Anna, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Good service




Review of Wise Loan

Always professional and prompt

Greenwell SpringsLA70739 30.6275-90.9525

Response from Wise Loan:

Johnathan, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent service




Review of Wise Loan

WeatherfordTX76086 32.7525-97.79

Response from Wise Loan:

Loma, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Very helpful, and excellent service




Review of Wise Loan

I recommend this place to anyone that needs a loan! They are very helpful when things get rough and you need help!

OldtownID83822 48.175-117.035

Response from Wise Loan:

Jenny, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Terrible service




Review of Wise Loan

Very unprofessional

WhitewrightTX75491 33.475-96.3875

Response from Wise Loan:

Linda, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at (800) 516-7840 or email us at hello@wiseloan.com. Best regards, The Call Center


excellent service




Review of Wise Loan

Olga provided an excellent customer service and assisted me in every question i had, thank you!

El PasoTX79934 31.94-106.4225

Response from Wise Loan:

Noelia, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


No




Review of Wise Loan

Terrible

WhitewrightTX75491 33.475-96.3875

Response from Wise Loan:

Linda, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at (800) 516-7840 or email us at hello@wiseloan.com. Best regards, The Call Center


Bad




Review of Wise Loan

HoustonTX77040 29.875-95.525

Response from Wise Loan:

Karla, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at (800) 516-7840 or email us at hello@wiseloan.com. Best regards, The Call Center


Excellent Service!




Review of Wise Loan

Super Helpful

KnollwoodTX75092 33.68-96.7275

Response from Wise Loan:

Deanna, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Jude C.

Jude C.

Near MERRIAM VLG, MO 65740
Rey T.

Rey T.

Near College Station, TX 77840
Rey T.

Rey T.

Near College Station, TX 77840
Rey T.

Rey T.

Near El Paso, TX 79938
Rey T.

Rey T.

Near El Paso, TX 79938
ROBBY G.

ROBBY G.

Near Shreveport, LA 71104
ROBBY G.

ROBBY G.

Near Detroit, TX 75436
Jude C.

Jude C.

Near Fort Worth, TX 76123
Jude C.

Jude C.

Near Fort Worth, TX 76112
Olga S.

Olga S.

Near 91st St, Lubbock, TX 79423
Jude C.

Jude C.

Near Boise, ID 83705
Jude C.

Jude C.

Near Missouri City, TX 77459
Jude C.

Jude C.

Near Greenville, WI 54942
Rey T.

Rey T.

Near Blythewood, SC 29016
Rey T.

Rey T.

Near Blythewood, SC 29016
Olga S.

Olga S.

Near Houston, TX 77036
Olga S.

Olga S.

Near Falcon Shores Dr, Zapata, TX 78076
Rey T.

Rey T.

Near Port Acres, TX 77640
Rey T.

Rey T.

Near Port Acres, TX 77640
Jude C.

Jude C.

Near McKinney, TX 75071
Jude C.

Jude C.

Near Grand Prairie, TX 75052
ROBBY G.

ROBBY G.

Near Godley, TX 76044
ROBBY G.

ROBBY G.

Near Weatherford, TX 76088
ROBBY G.

ROBBY G.

Near Baton Rouge, LA 70817
ROBBY G.

ROBBY G.

Near Lehi, UT 84045

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Frequently Asked Questions

What is the Easiest Loan to Get in Missouri?

In Missouri, a payday loan often represents the simplest borrowing option for those with less-than-perfect credit. These loans have more lenient eligibility requirements than traditional loans, prioritizing your current ability to repay over your credit history. However, bear in mind the high interest rates and brief repayment periods typical of payday loans, and make sure they align with your immediate financial requirements. Always consider all available loan alternatives before making a decision.

Can I Get a Loan if I Have Bad Credit?

Securing loans for bad credit in Missouri is feasible. Lenders like Wise Loan focus on providing loans to individuals with suboptimal credit scores by considering additional factors such as income and the ability to make repayments. Loans designed for bad credit aim to offer financial aid and a chance to better your credit score through regular, on-time payments.

What is the Lowest Credit Score to Borrow?

The minimum credit score needed for a loan and the type of loan you seek differs across direct lenders. Some lenders may be more flexible with credit scores for bad credit loans online in Missouri, evaluating your overall financial health and repayment capacity instead. Nevertheless, a lower credit score might result in higher interest rates and stricter repayment conditions. Checking the lender’s requirements and ensuring you qualify before applying is crucial.

Resources

Apply for a Loan with Wise Loan

Improve your financial health by applying for a bad credit loan with Wise Loan.