Best Loan Bad Credit Apps

4.4😞(4.3K ratings)

Free

Easily calculate payday loan repayments and apply for short-term loans up to $1,500 in the USA. Get access to top lenders, even with bad credit, and receive funds within hours. Secure your data with password protection for faster future applications.

What We Love

🙏 Helpful support
👍 Good people

Room to Improve

🚫 Scam
❌ Doesn't work
🚫 Collects information without providing service
⚠️ Misleading
🚫 Waste of time

Mission Lane Card by Mission Lane LLC

Strong Contender

4.9😊(522K ratings)

Free

Manage your credit card account on the go. Check balances, pay bills, view activity, and monitor your credit score. Access customer service, educational resources, and secure login options.

What We Love

👍 Easy to use app
🚀 Convenient payment options
💡 Helpful for rebuilding credit
🚀 Quick credit limit increases
👍 Good customer service

Room to Improve

🐛 App login/sign-in issues
⏱️ Slow credit/payment updates
💰 High annual/interest fees
🔒 Lack of security features (e.g. card locking)

Upstart: Personal Loans + More by Upstart Network, Inc.

Money for moments that matter

Worth Considering

4.9😞(49K ratings)

Free

#70in Finance

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Borrow money for personal needs or debt consolidation with fast approvals and flexible repayment options. Access funds quickly through personal loans or a revolving credit line. Manage your account, compare offers, and get support 24/7.

What We Love

👍 Easy to use
👍 Convenient app
👍 Quick loan approval
🚀 Fast loan disbursement

Room to Improve

🐛 Login issues
💰 High interest rates
🕰️ Slow payment processing
🤔 Unclear approval criteria
🤨 Unethical business practices

More Loan Bad Credit apps to explore

LendingPoint

Loan Management

Check personal loan ratesManage existing loansMake loan payments

Manage your personal loans and financial goals with this comprehensive finance app. Check loan rates, make payments, and update your information seamlessly. It's designed to help you achieve financial well-being.

(3.2K)

Possible: Fast Cash & Credit

Borrowly: Borrow & Lend

Borrow money, loans, advances

Borrow up to $500 instantlyNo late or penalty feesPay over time in 4 installments

Access quick cash advances and build your credit history with a loan that offers no late fees and flexible repayment options. Borrow up to $500 instantly, even with bad or no credit, and receive funds directly to your bank account.

(139K)

SoLo Funds: Lend, Borrow, Bank

Making Gains on Your Own Terms

Borrow up to $650No credit check requiredLend to earn returns

Borrow up to $650 without a credit check, setting your own repayment terms. Lend to other members to earn returns, and manage your finances with a free digital wallet and AI financial co-pilot. Offers identity verification and fraud monitoring for security.

by Transform Credit Inc.

Apply for loans in-appView loan detailsAccess statements

This app offers personal loans based on trust rather than solely on credit history. It allows users to apply for loans, view statements, make payments, and access support in real-time. Users can also top up existing loans or borrow more.

(412)

Brigit: Cash Advance & Credit

Get $25-$500* in Minutes

Instant cash advances up to $500Build credit history with on-time paymentsPersonal loan offers from partners

Access fast cash advances, build credit history without a card, and manage your finances with smart budgeting tools. Get personalized loan offers, earn extra money, and protect your identity. Offers free financial insights and paid plans for enhanced features.

(586K)

Cash Advance – Quick Borrow

Fast Money Between Paydays

Explore loan options $100-$2,500Fast, fully digital processCompare repayment terms and APRs

Easily explore loan options from $100 to $2,500 through a fast, digital process. Compare offers, repayment terms, and APRs from various lenders before making a decision. The app is free to use and prioritizes data security.

Bright: Loans & Credit Builder

(40)

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AI Loan Asst > Credit & Loans

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

EasyLoan - Check Eligibility

(286K)

subscription

EasyLoan: EMI & Eligibility

Loan eligibility estimationMonthly EMI calculationLoan repayment scenario comparison

Estimate loan eligibility, calculate monthly EMIs, and explore repayment scenarios with this financial calculator. It offers a simple interface for quick data entry and immediate results, aiding in financial planning without requiring account registration.

🔧 Utilities

(0)

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Self - Credit Builder & Cards

Secured Card & Score Tracker

Secured Self Visa® Credit Card with no credit checkCredit Builder Account to improve credit scoreReport rent, utility, and cell phone payments

Build credit and grow savings with a secured credit card or credit builder account. This tool helps establish better financial habits and offers a path to credit with no initial credit check. Report rent, utility, and cell phone payments to credit bureaus.

(339K)

Tilt: Cash Advance & Credit

Cash Advance, Credit Cards

Cash advances up to $500Credit cards with no credit history requiredLine of credit up to $1,000

Access cash advances, credit cards, and lines of credit based on your income and spending habits, not just credit scores. Build your credit history and monitor your score with helpful tools. Get up to $500 instantly or start building credit with a line of up to $1,000.

(473K)

Lexington Law - Credit Repair

Credit Repair, Score & Reports

Personalized credit repairChallenge inaccurate negative itemsReal-time progress updates

This app helps individuals improve their credit by challenging inaccurate negative items on their credit reports. It offers personalized credit repair, real-time updates on progress, and insights into credit scores. Users can monitor their credit 24/7 and receive alerts on profile changes.

(113K)

Payday Loans

Get Cash Fast Today

Apply for loans anytimeNo credit check requiredBad credit accepted

Access quick cash advances and personal loans directly from your smartphone, even with bad credit. Apply in minutes for urgent financial needs, with transparent terms and a user-friendly interface.

by Americash Loans LLC

Loan application up to $4,000Same-day fund depositCustomer profile editing

Apply for loans up to $4,000 with funds deposited directly into your bank account. Manage your repayment options, make payments, and access referral codes to earn extra cash. Offers installment, full, or early/partial payment options.

(5)

Vola: Cash Advance & Credit

Instant Cash Before Payday

Instant cash advances up to $500No express fees, interest, or late feesFree expense tracker and budget planner

Access instant cash advances up to $500 with no express fees, interest, or late charges. Build your credit by reporting rent payments and track expenses with a free budget planner. Manage cash flow and gain financial control.

Kikoff: Build Credit Quickly

(43K)

ad-supported

Grow & Monitor Your Credit

Build credit score quicklyReport to all 3 credit bureausMonitor credit score

This app helps users build and monitor their credit score quickly and affordably. It reports to all three major credit bureaus and offers features like rent and bill reporting. Plans start at $5 per month with no credit checks or interest.

(281K)

Save Money with Lower Interest

Ava: Build Credit Fast

Build positive credit historyCredit score improvementCredit builder card

Build a stronger financial future by establishing positive credit history. This app offers an easy and transparent way to improve your credit score, with features like a credit builder card and a savings account designed to help you achieve financial goals.

(51K)