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Get the funds you need in as fast as 15 minutes. Apply now and receive cash instantly!


  • N Instant Decision
  • N 60-Second Application Form
  • N From $1,000 to $25,000
  • N Rates from 5.7% APR to 278% APR*
  • N 3-36 month repayment


  • N Online Decision
  • N Responsible Lenders
  • N Apply to borrow up to $3000*
  • N Rates From 278% APR - 1576% APR*
  • N 3-12 month repayment

Personal cash loans make for such attractive borrowing. The amounts offered by lenders can be substantial- enough to consolidate debt, finance a wedding, pay for a medical emergency, or even pay for a car among others. However, it is not an easy loan to take out. The process can be overwhelming, especially if you do not know what to do. 

If you want to take out a $20,000 loan, which is quite a huge amount, it helps if you know what to do to increase your chances of getting the nod from the lenders.

You Need to Have the Right Credit Score

Personal loans are generally unsecured. With no collateral needed to secure the borrowing, lenders would what to look at other ways that they can be sure about getting paid back if they do lend you money. A good credit score is an indication that you have a good credit history. You may have experienced borrowing in the past and you have been able to manage it well- something that they would want to happen when they decide to let you borrow their money. 

Substantial Income is Needed

It’s not only the credit score that your lender will be concerned with. They’d want to know if you have the present means to pay for the loan back once it is approved. If you are borrowing £20,000, you can expect that it will be easily approved if you can show proof that your current earnings minus all of your expense and other dues monthly will still be enough to afford the repayment. Affordability is the key here 

Offer Collateral

Most lenders might limit the amount they will let individuals borrow if it is unsecured. But if you can offer collateral, it has the possibility of increasing the loan amount. This would, of course, depend on the value of the asset you’re presenting. The higher it is valued at, the more you can take out.

Personal loans are great financial tools. But they can come with high interest rates. This is why borrowing them should not be something that’s to be taken lightly. Remember, it doesn’t end with you getting the funds. You’ll have to make sure too that the repayments are done on time. 

Cash Loans for People with Poor Credit Score

Having a bad credit history could be a serious problem if you want to apply for a loan. So if you’re wondering if you can get a loan with bad credit then definitely yes. Many lenders today commonly check first the borrower’s credit score because they believe that your credit report tells so much about what kind of a borrower are you. It is their measurement if you’re a good payer or not. Your credit report contains the information of your late payments, your bankruptcy, missed payments and all the transactions for your previous loans. That’s why it is very important for the lenders. 

While some online lenders today offer a loan that can be easily approved even if you have a bad credit history. But those lenders will offer you a loan that has unreasonable high interest rates and fees and they call it “payday loans”.  Be careful because you can get tempted but always think many times before deciding to get a loan. 

You can also get a loan through the help of your family or friends that are like family to you. You can ask them to be your co-signer for a loan. It is a process wherein they will be the one who’s responsible to repay your loan if you can’t. For them to be qualified they should have an excellent credit score so that lenders will trust your co-signer.

For the best option, if you’re planning to get a loan with bad credit. It would be better if you re-established your credit score by offering a collateral for secured loans, in this way you might get a chance to get a loan because you have something in exchange if ever you can’t repay your loan through the form of cash. You can also minimize your credit card usage and spend only 30% of your credit limit. Having also a checking account or savings account could help you rebuild your credit score.

Choosing The Right Loan

If you are having financial problems, considering a loan might be a good option. However, you need to carefully choose which loan you need before applying for it. Unsecured loans such as payday loans, credit cards, short-term, and other similar types can be great during emergencies. However, keep in mind that unsecured loans may have higher interest rates compared to secured business loans. It is highly recommended for emergency situations but should not be considered for long-term goals.

Ready To Get Started?

Select Your Loan Choose the loan that is suitable for your needs. We have plenty of loan options you can choose. Whether you’re planning to buy a new car or need a short cash to keep your day rolling. we have everything prepared for you.

Provide Your Information After you have selected a loan, visit the lender’s site and complete an online form. You need to provide your details for us to process your application. You will receive a notification once everything is already completed.

Get Your Funds Results are posted in just a few minutes. Once you are approved, the amount that you have requested will be deposited immediately and directly to your checking account. Automatically, the money will be posted and you can use it to pay for online or offline transactions.

Frequently Asked Questions

Got questions? We have answers!

How Fast Can I Get The Money?

You can have the funds in as fast as 15 minutes. All you have to do is to complete an online form and provide your information. Processing your application would take a few minutes or less. Once approved, the funds that you have requested will be deposited instantly to your account.

Do I Need A Guarantor?

If your credit is good, most lenders would be okay with you not providing a guarantor. Unsecured loans are extra risky for lenders due to the absence of collateral. With no other backing aside from the borrower’s creditworthiness, it would be reasonable for lenders to demand extra security. If you currently don’t have a credit history, it would be best to go for a guarantor loan.

What If I Miss My Payment?

There are times that this could happen. We understand that there are circumstances that prevents you from paying on time. If you are having difficulties paying off your loans, you can reach out to your lender to provide you with convenient options. Delayed or missed payments could set you back and cost you additional fees and charges.

What Happens If I Lie On My Application?

Even if you’re tempted to, don’t lie on your application. Once a lie is caught, the lender may void all your application and incur additional fees and penalties. Worse, if you have falsified your documents, you might end up locked in a cell for a very long time.

What Is A Payday Loan?

Payday loans are types of unsecured loans that are easily obtained. If you’re in need of immediate cash assistance, payday loans are your best friend. You can have the funds immediately on the same day of application. Repayment terms are also flexible. You can either have it tied on your next paycheck or pay it in advance.

What is a Guarantor Loan?
If you’re just started building your credit, you might find it hard to look for better loan opportunities. If that’s the case, going for a guarantor loan might be the best for you. For this type of loan, the lender would require a guarantor to co-sign the loan agreement. The guarantor is involved in the lending process. If the borrower defaults on the loan, the guarantor takes the responsibilities to make sure that the debt is paid.
What is a Logbook Loan?
Logbook loans are types of loans that require the borrower to hand over their ownership of a particular asset; a vehicle for example. The loan will be backed by collateral. If the borrower defaults on the loan, the lender may seize the vehicle and sell it to compensate the loan payment.