Are you a proud American looking for a loan for bad credit ? Maybe you have bad credit or have been through a tough financial time. Are you late with your bills or do you owe money to a family member? Maybe your car broke down recently and you can’t afford the cost of repairing it, or maybe you just need the money to live on.
Either way, a bad credit loan with guaranteed approval and/or no credit check might be the right thing for you. In this in-depth review, we’re going to highlight some of the top bad credit loan direct lenders. These companies that we are going to highlight are some of the best in America and they have a strong following.
However, we have to be honest with you before starting this review. The reality you need to know is that not all bad credit lenders are good. There are many out there that offer all types of emergency loans. What you need to watch out for and pay close attention to are the interest rates offered by some of these direct lenders.
It is with great pleasure that we can inform you that all payday loan the lenders we talk about in this review are the best in America. We will also highlight for you some of the pros and cons of each of these lenders.
So sit back and relax and get ready for a good read. This is going to be by far one of the best bad credit loan reviews you will ever read. Here we are:
#1. MUTUAL MONEY â Best direct lender for loans without credit check
#2. CREDITLOAN – Best emergency loan for bad credit lender
#3. FUNDSJOY â Bad credit payday loans with instant approval
#4. REAL AMERICAN LOAN â Best Short Term Lender in America
#5. XMASFUNDS.COM – Instant approval for bad credit loans
#6. FUNDSDON â Cash advance experts with guaranteed approval
#1. MoneyMutual â The best direct bad credit lender in America.
If you are familiar with MoneyMutual you’ll know they’re one of the best emergency loan providers in the game. They’re fast, reliable, and service-oriented. Not only that, they had one of the best spokespersons a company could ask for.
Do you remember Montell Williams? This guyâ¦
A legendary daytime talk show host. Montell’s daytime viewership grew by leaps and bounds in the 1990s. After a hugely successful career on daytime talk shows, Montel Williams branched out into promoting MoneyMutual.
Naturally, when you succeed, people will chase you, and they did. Montel Williams’ haters have come out of the woodwork and sued him for promoting a “bad credit loans” company. These haters would say that Montel was taking advantage of the less fortunate and promoting a company that only preyed on people when needed.
We believe this is not the case. Montel Williams has always shown himself to be a model citizen both during his time as a daytime talk show host and after. His time promoting MoneyMutual has been a successful venture.
#2.CreditReady â Loans without credit check with online guaranteed approval
Hot on MoneyMutual’s ponytails is CreditLoan . In our opinion, they came out of nowhere! No one gave them much luck, but all of a sudden they started gaining momentum as a bad credit lender. They offer similar loan amounts and interest rates to MoneyMutual, however, they are a different brand and frankly good competition for MoneyMutual.
Still up and coming, CreditLoans is one money lender to watch. Specifically when it comes to their customer service commitments. In this, as they continue to grow as a payday loan provider, are they able to maintain the same level of exceptional customer service for their clientele. Time will tell, as the personal loan industry is competitive.
#3. FondsJoy – Bad credit emergency loans with 24 hour loan approval
FondsJoy is one of our favorite short-term loan providers. We love their marketing and easy to use website. Their use of color on their website is very good as it creates a comfortable user experience for anyone looking for loans without credit check.
One thing to watch out for with FundsJoy is whether they can handle their rapid expansion. Similar to CreditLoans, this company works very well. As more and more people with bad credit apply for fast loans, are they able to handle the back-end and customer service that comes with an increased number of people taking out loans for bad credit.
Time will tell with this company as well. They are to be watched. We love them though and recommend them to anyone in need of an installment loan.
#4. REAL AMERICAN LOAN â THE BEST BAD CREDIT LOAN PROVIDER FOR VETERANS AND REAL AMERICANS
As the name suggests, this bad credit loan provider is for real Americans. They really know their target market because most people who take payday loans of this society identify as true Americans.
So what makes someone a real American? Well, he’s someone who loves the great country of America, ultimately. As such, this loan provider is popular with so many Americans all across our great country. Whether you need a payday loan, bad credit loan, no credit check loan, short term loan, installment loan, 24 hour loan , a $500 loan, a $300 loan or a $100 loan, this loan provider will have your back.
Let’s be clear on one thing, are they as big as a company like MoneyMutual? Absolutely not. But bigger isn’t always better, right? It depends on the borrower and their comfort level when choosing a bad credit loan provider.
#5. XMASFUNDS.COM â The most popular bad credit loan provider during the holidays
This may sound strange to you, but hear us out! You wouldn’t believe how popular this bad credit lender is at Christmas time. As we speakâ¦ ULTRA popular. There are many people during the holidays who need money quickly and need emergency loans.
So, of course, a Christmas branded bad credit lender is going to work fine then, right?
Well, check that outâ¦even when it’s not Christmas time, this payday lender still manages to operate consistently. Why is that? We think it’s because people love Christmas. Anything with a Christmas present is generally accepted quite easily.
We also recommend checking this one out, especially if you’re looking for $5,000 loans.
#6. FundGift â The new bad credit lender with guaranteed approval
FundGift is new to the scene. Our first impression of them is that they will give MoneyMutual their money’s worth. See what we did there?
The most impressive thing we’ve seen from FundsGift so far is how quickly their list of money borrowers is growing. They provide all kinds of bad credit loans with guaranteed approval quickly. The rate at which they hand them out makes you think they’ve been in the business for years!
As we watch FundsGift’s growth take off, we’ll be very interested to see if they get bigger than MoneyMutual. Some people who watch the emergency loan industry very carefully say it is possible while other people in the industry say it will never happen.
Either way, when it comes to short term loans and 24 hour loans, FundsGift is at the top of their game. If you are looking for $5,000 loans and $10,000 loans, MoneyMutual might be a better option.
Final Words on Short Term Loans for Bad Credit
Good, you have it now. We’ve reviewed six of the best loan for bad credit lenders in America. As we promised, we discussed the pros and cons of each lender.
It is not up to you to choose which bad credit lender is best for you. After reading our in-depth articles, borrowers usually come to their own conclusion as to which lender to choose. However, some people are still unsure which payday loan provider to choose.
If this is you, you don’t have to worry. You’re not alone. For people like you, we suggest sticking with the largest bad credit loan provider in America. If you remember from our article, that direct lender is MoneyMutual.
You can visit their official website as per the link below and you can directly apply for bad credit loan.