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 1252 customer reviews

Excellent




Review of Wise Loan

N/a

LubbockTX79410 33.57-101.8975

Response from Wise Loan:

Brandy, 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 [email protected]. Best regards, Wise Loan


Excellence




Review of Wise Loan

Great experience easy approvals

FriendswoodTX77546 29.5375-95.195

Response from Wise Loan:

Elijah, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

CovingtonLA70433 30.4575-90.13

Response from Wise Loan:

Susan, 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 [email protected]. Best regards, Wise Loan


Great Service!




Review of Wise Loan

Always a pleaure to work with Robbie! Great help all the time! Thank you

ClaytonDE19938 39.25-75.7025

Response from Wise Loan:

Deborah, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

My situation was handled professionally and the agent took time out to hear what I had to say and that's a plus thank you Wise Loans!!😁

MesquiteTX75149 32.7575-96.61

Response from Wise Loan:

Lonnie, 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 [email protected]. Best regards, Wise Loan


Excellent Service.




Review of Wise Loan

HoustonTX77044 29.8975-95.165

Response from Wise Loan:

Tabitha, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

AustinTX78729 30.47-97.785

Response from Wise Loan:

Robert, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

So helpful and took care of my request quickly

RoyUT84067 41.1775-112.035

Response from Wise Loan:

Debra, 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 [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

BonhamTX75418 33.53-96.175

Response from Wise Loan:

Christie, 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 [email protected]. Best regards, Wise Loan


extremely




Review of Wise Loan

Fort WorthTX76137 32.87-97.3025

Response from Wise Loan:

NHA, 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 [email protected]. Best regards, Wise Loan


Great experience




Review of Wise Loan

Very professional and helpful

Carl JunctionMO64834 37.1725-94.5475

Response from Wise Loan:

Michael, 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 [email protected]. Best regards, Wise Loan


Exceptional




Review of Wise Loan

Olga was exceptional! She answered my questions professionally and took care of me need

Fort WorthTX76137 32.8575-97.29

Response from Wise Loan:

Joyce, 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 [email protected]. Best regards, Wise Loan


Excellent service!!




Review of Wise Loan

Salt Lake CityUT84129 40.6625-111.9675

Response from Wise Loan:

Stella, 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 [email protected]. Best regards, Wise Loan


Excellent Customer Service!!




Review of Wise Loan

Thank you Olga Jessica & Wise Loan!! For all of your help & understanding!! Great customer service & business as always!! 🤍🤍🤍

MagnoliaTX77354 30.1625-95.6425

Response from Wise Loan:

Desiree, 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 [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Wonderful to work with

ImperialMO63052 38.39-90.415

Response from Wise Loan:

Patty, 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 [email protected]. Best regards, Wise Loan


ROBBY G.

ROBBY G.

Near Houston, TX 77053
ROBBY G.

ROBBY G.

Near Jarrell, TX 76537
Jude C.

Jude C.

Near Lubbock, TX 79410
Jude C.

Jude C.

Near Nampa, ID 83686
Jude C.

Jude C.

Near Zachary, LA 70791
ROBBY G.

ROBBY G.

Near Bossier City, LA 71111
ROBBY G.

ROBBY G.

Near New Boston, TX 75570
ROBBY G.

ROBBY G.

Near Mesquite, TX 75150
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Near Odessa, TX 79765
Trent T.

Trent T.

Near Buffalo Speedway, Houston, TX 77045
Trent T.

Trent T.

Near N Henderson Ave, Amherst, TX 79312
Trent T.

Trent T.

Near E Central, Lorena, TX 76655
Trent T.

Trent T.

Near Bayberry Ct, Heartland, TX 75126
Trent T.

Trent T.

Near Diversion Dr, Tomball, TX 77375
Jude C.

Jude C.

Near Roman Forest, TX 77357
Jude C.

Jude C.

Near Holmen, WI 54636
Jude C.

Jude C.

Near Waskom, TX 75692
Jude C.

Jude C.

Near Westwego, LA 70094
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ROBBY G.

Near Alpine, TX 79830
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Near Oak Grove, LA 71263
Jude C.

Jude C.

Near Fort Worth, TX 76112
Jude C.

Jude C.

Near Bunkie, LA 71322
Jude C.

Jude C.

Near Friendswood, TX 77546
ROBBY G.

ROBBY G.

Near Converse, TX 78109
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Jude C.

Near Pearland, TX 77584

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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.

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