Bad Credit Loans in the United States
Compare offers from 50+ lenders. Soft credit check only — checking your rate won't affect your score. Loans from $100 to $5,000 USD.
What Is a Bad Credit Loan?
A bad credit loan is a personal loan designed for borrowers with lower credit scores — typically below 580 in the United States. These loans are offered by lenders who consider factors beyond your credit score, such as income, employment history, and banking activity. While interest rates are higher than prime loans, they provide a legitimate path to borrowing when traditional banks say no.
At 365 Loans, we connect you with a network of licensed lenders who specialize in bad credit lending. Our platform uses a soft credit check to pre-qualify you — meaning you can see your options without any impact to your credit score. Loan amounts typically range from $100 to $5,000 USD, with repayment terms from 3 to 60 months.
How It Works
Apply Online
Complete our simple form in under 2 minutes. No obligation, no fees.
Get Matched
We compare offers from 50+ lenders using a soft credit check that won't affect your score.
Choose & Get Funded
Review your offers, pick the best one, and receive funds as fast as the same day.
Why Choose 365 Loans for Bad Credit
All Credit Welcome
Our lenders work with all credit types — bad, fair, good, or no credit history at all.
Soft Credit Check Only
See your pre-qualified offers without any impact to your credit score.
Regulated Lenders
All lenders in our network follow state and federal lending regulations.
Fast Funding
Get matched in minutes. Many lenders offer same-day or next-business-day deposits.
Frequently Asked Questions
Loan Purposes
By Credit Score
Apply for Your Personal Loan Today
Join thousands of Americans who have found better loan options with 365 Loans USA. Apply now and get your personalized offers in minutes.
No obligation • 100% Free