Apply online for a personal loan
with bad credit today

Apply now to get connected with our partners
and receive loan offers within minutes.

Loans from $500 – $25,000

Repayment Terms from 6 - 60 months!

Get your cash as fast as tomorrow

* APR between 5.99% & 35.99%

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online personal loans for people with bad credit

1. Secure & Simple Online Form

We work with top partners who offer competitive rates and flexible terms that benefit you.

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2. Get Approved within minutes

We’ll match you with a partner based on your situation

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3. Get Your Cash Deposited Fast

Get cash deposited into your bank, some partners may finalize your loan in person.

We find the best lender to provide installment loans for poor credit & unsecured personal loan with bad credit, so you can get on with your life without worry. We are the largest online marketplace connecting bad credit loan seekers and lenders.

Find the Perfect Loan for You

By taking just a couple of minutes to tell us about your lifestyle and budget, Willow Loans can match you with one of today’s premium partners, even if you have blemishes on your credit report. With loans of up to $25,000 available to you within a few short days, Willow Loans can help you to take back control of your finances by locating lenders who can provide you with best installment loans for bad credit. To see the finance options available to you, complete the above form and we will search for the offer that suits you.

What You Should Know About Your APR

The partners that we work with provide loans with annual percentage rates (APRs) that range from 5.99% to 35.99%. The APR of your loan is comprised of primary charges, interest, and fees that are included your loan amount. In most cases, loans with higher interest rates are for lower amounts and shorter repayment times, whereas loans with lower APRs are usually for higher loan amounts and longer repayment periods. Usually, borrowers with a higher credit score will have access to low interest rates personal loans, whereas those with a bad credit score will often warrant offers with higher interest rates.

Min repayment term period are as short as 6 months, and as long as 5 years.
* The Maximum APR is 35.99%.
* The actual loan amount, term, and APR amount of loan that a customer qualifies for may vary based on credit determination and state law. Minimum loan amounts vary by state.
*Loan Example: Loan Amount $3500, APR 8%, Loan Terms (Months) 36, Monthly Payment $109.68, Total Interest Paid $448.48.

Willow Loans is not a lender, and only your lender can provide specific information about your loan terms.

In The Event You Are Unable to Repay Your Loan

Should you fail to meet the repayments as outlined in the terms of your loan, there are several courses of action that your lender may take; you may incur late fees and your payment history could be divulged to a credit reporting agency. It is important to note that this will impact negatively on your credit score, and your account may be referred to a collections agency. In some cases, the lender may offer extension, renewal or refinancing opportunities, however this may result in additional fees.

Late or Missed Payments: It is crucial that you carefully review the procedures in your loan agreement regarding late or missed payments. This will vary from lender to lender, but may include higher interest rates, late fees and other charges. Ensure that you are aware of these practices before you accept the terms of your loan.

Collection Practices: Failure to repay your loan could result in your account being referred to a collections agency. Please consult your individual lender’s policy for the terms, which apply to your own loan agreement, as these can differ between lenders.

Loan Renewal: In the event that you miss a payment, submit a late payment, or present a partial payment, it is possible that your lender may offer you an extension or renewal on your loan. As a result of this, additional fees may incur, which will be automatic in some cases. Please note that each lender will have their own repayment policies, complying with individual state laws.

How Late Payments Affect Your Credit Score: Late or missed payments may be reported by your lender, resulting in a lowered credit score. Before signing your loan documents, ensure that you review your lender’s policy regarding credit reporting. You are entitled to query the implications of late or missed payments with your lender at any point during the loan process. As Willow Loans is not a lender, we are unable to provide information on repayment options for specific loans.

To apply for a personal loan with bad credit simply fill out the application form and Willow Loans will search multiple lenders to find the best loan for you.

If you have any further questions regarding poor credit installment loans and unsecured personal loans, please refer to the FAQ section, or get in touch with Willow Loans via the contact page.

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†Advertisering Disclosure: Willowloans.com is an independent, offer matching service. Consumers should be aware that Willowloans.com does not perform credit checks and is not acting as a credit services agent for you. Willowloans.com does not collect personal or payment information from consumers. After matching offers, based on the consumers’ needs and circumstance, the consumer is required to complete an application with the third party directly. The Personal Loans Partners sites and advertisements that we present are from companies from which Willowloans.com receives compensation. Willowloans.com cannot and does not present information about every Personal Loans offer available. This website offers a loan matching service, and the owner of this website is not a direct lender. The terms and conditions of any loans can vary by lender, state and the applicant’s level of qualification. If your account becomes defunct, or a payment is not received, the lender may increase fees and interest rates, and cash lenders can use a collection service in an attempt to recover missed loan payments. Not all lending partners will offer as much as $25,000, and not all loan applications will be approved for the requested amount. Loan payback periods can differ between lenders and states within the United States of America.