Best Loans For Bad Credit Apps

178+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated May 2026

Whether you're new to loans for bad credit or looking for an upgrade, our curated collection of 178+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Top Picks for Loans For Bad Credit

Upstart: Personal Loans + More#2

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

Helping you borrow, better.
Strong Contender
💰 Finance
4.9😞(35K ratings)
Free
#73in Finance
Upstart: Personal Loans + More screenshot 1
Upstart: Personal Loans + More screenshot 2
Upstart: Personal Loans + More screenshot 3
Upstart: Personal Loans + More screenshot 4
Upstart: Personal Loans + More screenshot 5

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

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
Possible: Fast Cash & Credit#3

Possible: Fast Cash & Credit by Possible Financial Inc

Borrow money, loans, advances
Worth Considering
💰 Finance
4.8😐(133K ratings)
FreeAds
#88in Finance
Possible: Fast Cash & Credit screenshot 1
Possible: Fast Cash & Credit screenshot 2
Possible: Fast Cash & Credit screenshot 3
Possible: Fast Cash & Credit screenshot 4
Possible: Fast Cash & Credit screenshot 5
Possible: Fast Cash & Credit screenshot 6

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.

What We Love

  • 🚀 Quick approval and fund disbursement
  • 💳 Helps build credit score
  • 🗓️ Flexible payment schedule
  • 🆓 No credit check required

Room to Improve

  • 🐛 App issues (crashes, bugs, login problems)
  • 🕰️ Slow customer support response times
  • 💰 High interest rates

More Loans For Bad Credit apps to explore

4
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Improve Credit health & Save
Free

Access instant cash advances up to $500 with no interest or credit checks. Build your credit score by reporting rent payments and track your financial health with budgeting tools. Take control of your finances with this all-in-one financial management app.

Instant cash advances up to $500No interest, no credit checkBuild credit by reporting rent
💰 Finance
(33K)
free
5
OneMain
OneMain
OneMain
Personal & Auto Loans
Free

Manage your personal or auto loan on the go. Make payments, set up automatic payments, and receive paperless statements and alerts. You can also monitor your credit score and track your spending to potentially save money.

Make loan paymentsSet up AutoPaySign up for paperless statements
💰 Finance
(77K)
free
6
Cash Advance - Payday Brin
Cash Advance - Payday Brin
Cash Advance - Payday Brin
No Credit Check, Cash Today
Free

Quickly explore cash advance and personal loan options up to $900 with transparent terms and fast comparison. Understand eligibility, costs, and repayment details before committing.

Explore cash advances up to $900Compare loan amounts and ratesReview repayment terms
💰 Finance
(3K)
free
7
Cash Advance by Loan Link
Cash Advance by Loan Link
Cash Advance by Loan Link
Payday Loans in Minutes
Free

Explore, apply for, and manage personal and business loan opportunities with confidence. This financial companion offers a simple application process, real-time loan status tracking, and helpful tools like loan calculators and eligibility estimators.

Simple loan application processReal-time loan status trackingSecure and private financial data
💰 Finance
(69)
free
8
Uprova | Fast, Personal Loans
Uprova | Fast, Personal Loans
Uprova | Fast, Personal Loans
by Uprova Credit, LLC
Free

Access fast, personal loans for emergencies and cash-flow needs. Receive quick approvals and funds within 30 minutes, with no collateral required. Build credit with timely payments and enjoy flexible repayment options.

Fast loan approvalsFunds within 30 minutesNo collateral required
💰 Finance
(2)
free
9
Sail Loans
Sail Loans
Sail Loans
by Americash Loans LLC
Free

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.

Loan application up to $4,000Same-day fund depositCustomer profile editing
💰 Finance
(3)
free
10
LendingPoint
LendingPoint
LendingPoint
Loan Management
Free

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.

Check personal loan ratesManage existing loansMake loan payments
💰 Finance
(3.2K)
free
11
SoLo Funds: Lend & Borrow
SoLo Funds: Lend & Borrow
SoLo Funds: Lend & Borrow
Loans On Your Terms
Free

Access funds up to $625 without credit checks or earn money by lending to others. This community finance platform offers a banking solution and AI-powered financial advice. It ensures no hidden fees and provides a safety net for its members.

Access up to $625 without credit checksEarn money by funding others' requestsAI-powered financial co-pilot (SoLo IQ)
💰 Finance
(38K)
free with in-app purchases
12
Payday Loans USA
Payday Loans USA
Payday Loans USA
by Rainbow UK Ltd
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.

Payday loan calculatorApply for loans up to $1,500Access to top US lenders
💰 Finance
(3.8K)
free
13
Lenme: Investing and Borrowing
Lenme: Investing and Borrowing
Lenme: Investing and Borrowing
Borrow, Lend & Grow!
Free

Access instant cash advances and personal loans regardless of credit score. Borrow or lend money with flexible terms and transparent fees. Explore money-saving tools and passive income opportunities.

Instant cash advances up to $200Personal loans from $50 to $5,000Crypto-backed loans up to $10,000
💰 Finance
(73K)
subscription
14
AF247 - Advance Financial 24/7
AF247 - Advance Financial 24/7
AF247 - Advance Financial 24/7
Same day cash. Up to $4,000.
Free

Access cash 24/7 with this app, offering up to $4,000. Manage your loan, check available credit, make payments, and apply for funds with fast approvals and same-day funding.

24/7 cash accessLoan managementCheck available credit
💰 Finance
(146)
free
15
Cashably: Quick Cash Advance
Cashably: Quick Cash Advance
Cashably: Quick Cash Advance
Instant Cash Apps & Save Money
Free

Explore instant cash advance and personal loan offers from various providers. Access financial tools for credit building and budgeting, and earn cash rewards. Some premium features require a subscription.

Explore loan offersPersonal loan comparisonCredit building tools
💰 Finance
(11K)
freemium
16
Cash Advance & Borrow Money
Cash Advance & Borrow Money
Cash Advance & Borrow Money
Instant Payday Loans Approval
Free
💰 Finance
(0)
17
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Better Than A Cash Advance
Free

Access up to $500 in minutes without a credit check or interest. Get paid up to two days early, avoid pesky fees, and save effortlessly with dedicated savings accounts. This app offers financial management tools to help you reach your goals.

Up to $500 cash advanceNo credit check or interest on advancesGet paid up to 2 days early
💰 Finance
(847K)
freemium
18
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
💰 Finance
(446K)
subscription
19
Big Picture Loans
Big Picture Loans
Big Picture Loans
Fast. Easy. Confidential.
Free

Manage your installment loans online, from checking balances and due dates to making payments and applying for new ones. This service provides quick, confidential online loans for individuals with fair or bad credit.

Manage existing loansCheck balances and due datesMake payments
💰 Finance
(289)
free
20
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Bank, Budget & Build Credit
Free

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.

Instant cash advances up to $1,000Automatic credit building on every purchaseAI agents for job finding, deals, price comparison, and budgeting
💰 Finance
(30K)
free with in-app purchases

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