It’s Safe and Secure

The fastest secure loan solution available.

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Nationwide Low Competitive Rates

Personal Loans from Plus Lend are available in the majority of States - the best solution for managing your cash flow needs.


Fast Approval Decision & Funds

Quick Personal Loans with funding as soon as the next business day.

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Unsecured Loans

Personal Loans offered do not require you to use your house, car, or other assets as collateral.

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All Credit Scores Welcome

We consider more than just credit score and make loans to a wide variety of individuals and credit scores.

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Short on Cash?

Use the funds loaned to you for whatever you'd like - repairs, mortgage payments, medical bills, a family holiday.


How it Works

Quick Online Application

Pre-Approval in Minutes

Fast Funding

Flexible Repayment Options

It is really very simple. Complete the form and we will match you with a lender who will present you with a loan and may offer up to $25,000. There's no obligation and your application is safe and secure.

Do I Qualify?

Basic Loan Requirements: You must be at least 18 years old, a U.S. citizen, currently employed and receiving a steady income, and have a bank account to receive the funds, ideally with direct deposit.

Frequently asked questions

What is a Personal Loan and what can I use it for?

How do you protect my privacy and personal information?

Bad Credit Loans Application Methods

You might have already thought about getting a loan to get by. There are many different reasons why you would need a loan. You might need to pay some urgent house bills, a large bill from the hospital, an emergency, etc. However, your bad credit score might be stopping you from getting the loan that you need.

This can be quite troubling, especially if you need to have the money ASAP. There are actually many bad credit loans that can help you raise your chances of getting approved. Here are a few tips that you ought to know.


Look at Your Credit Score

One of the first things that you ought to do is to assess how bad your situation actually is. You might know that your credit score is bad, but just how bad is it? A lender would like to know what your score is or he will do a credit check on you.

It is always best to know what your credit score is to know what kind of situation you will be dealing with. If you have a subprime credit score, it should not be too bad for you when you apply for a loan. However, bad credit scores would have it a bit harder, depending on the lender’s requirements.


Ask Your Family or Friends

You can always try to borrow from a relative or friend if you are not sure about taking out a loan. This is usually a bit easier depending on what your situation is. However, this comes with more drawbacks than advantages.

You will run the risk of ruining the relationship you have with that person if you are not able to pay them back. Additionally, you do not want to feel like you are burdening them. So unless you need to borrow $20, you are much better off finding a loan elsewhere for large amounts of money.


Find the Right Place to Get a Loan

If you are in need of a loan as soon as possible, you will want to get a payday loan. A payday loan is a loan that you apply for and within the same day, you will find out if you got approved for it or not. If you are approved, the money will be deposited into your bank account right away.

These types of loans are very convenient for emergency situations that need to be attended to right away. However, you need to know where you should apply for one, as all lenders are not the same. Some have a different requirements and others may not have the terms that you want.

One of your best bets is to visit our website. This will help you not only get the loan that you need, but also learn lots of helpful information about loans. People with bad credit scores can still get a loan because we have many lenders working with us.

This means that there will surely be a lender who is willing to give you a loan despite your credit score, which means that you practically have guaranteed approval for a loan. This allows you to have the money that you need as soon as possible without having to worry about your credit score affecting your credibility as a borrower.

Many people recommend getting a loan from a credit union. These places are usually preferred among people with poor credit scores, as there is a limit to the interest rate that the lenders can charge.

The lenders at credit unions are only allowed to charge 18% at most for their interest rates, which can be a safer option for you. However depending on the type of loan that you will be getting, it could be a lengthy process.

You may have to wait for some time before you hear about your approval and for the money to come in. This is not an ideal choice if you are trying to deal with an emergency that needs urgent action.


Gather Some Proof

Before you apply and if you already know that your credit score is less than stellar, you ought to show the lender some reasons why you are credible as a borrower. This can help them trust you if they see some valid evidence that you have good money habits.

For instance, if you have been paying all your bills on time each month, you can show the lender your recent credit history. Additionally, if you have a landlord, you can ask him/her to write out a statement for you to show the lender that you have been paying rent each month on time and in full. This will help you raise the likelihood of getting approved.

It is important that you know what kind of loans are available and where you can get them. There are many loans to choose from, even if you have a poor credit score. They don’t all need to have sky high interest rates too. You just have to know where to look and what to do to help you get approved.

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