$1000 Bad Credit Loan

Getting money when you have poor credit can be a real hassle. Now you can tap into our huge network of direct lenders and apply for a $1000 loan even with bad credit.


How to Get a $1000 Loan with Poor Credit

Complete our application and we will attempt to match you with a direct lender that specializes in approving people with bad credit scores.

How Does it Work?

Once you complete the short application, we attempt to match you with a loan company from our network. If we succeed, you will receive an installment loan offer. Take your time to review the offer and decide if the loan terms, interest rate, and terms and conditions meet your expectations.

If you are satisfied with the short term loan offer, then accept the loan offer. The funds will be delivered to your bank account, per the agreement with the lender, usually by the next business day. Loan amounts vary between lenders, you may or may not receive the exact size of loan you request.

What About My Bad Credit History?

Lenders in our network do not check credit reports with the main 3 credit bureaus. You can rest easy knowing your poor credit score will not be a deciding factor. Some other factors that may affect your ability to borrow money are:


  • Your ability to repay -  Lenders are required to take into account your ability to repay the money you borrow. Unsecured loans do not have collateral to back the loan.  Therefore, the loan companies need to be confident you will be able to complete the scheduled payments.

  • Where you live - Each state has a governing body that determines the rules and regulations for financial institutions. If you live in a state that has strict laws, this may limit your ability to get the bad credit loan you are requesting.

  • Your Age - You must be 18 years old to be a legal party in a loan transaction.

  • Personal loan history - If you have had personal loans in the past and defaulted on them, this may hurt your ability to access this financial instrument in the future.

Top Reasons People Need 1000 Dollar Loans for Bad Credit

If you are one of the millions of Americans with poor credit history, you may find it difficult to borrow money from the traditional lending avenues that someone with good credit may be able to access. Here are a few reasons people are borrowing 1000 dollars.

  1. Utility Bills - Your power bill came in about $50 higher than you were expecting. Not to mention your phone bill and sewer bill are also bearing down on you.

  2. Visiting Family - You find out that your parents are coming to visit for a few days and your fridge looks like it’s still sitting on the showroom floor, empty. Better load it up with some of dad’s favorite snacks and a few ingredients in case mom feels like cooking one of your favorite meals.

  3. Low Checking Account - You have a bunch of your monthly expenses that come directly out of your bank account. When you check the account it is almost drained and your life insurance bill is due in 4 days.

  4. Spring Break - All your friends are off to Cancun for spring break. You’ll have the money for the trip but not until after the trip is already over. Maybe a $1000 loan might be just what you need to cover some of the expenses.


How to Improve Your Credit Score

There have been 1000 page books written on this subject, but here are a few ideas you can use to improve your credit score so you can stop paying higher interest rates on your borrowed funds.

Open a Credit Card

Credit cards are a good way to build credit if you pay attention and use them correctly. One good idea is to pay your phone bill with your credit card each month and pay it off each month. This will show credit institutions that you do not abuse credit that is available to you.

Finance Furniture

If you are looking to upgrade your couch or easy chair, finance it instead of paying cash. Carry the loans for several months and then pay it off. You will only pay a small amount in interest and completing the payments early will look good on your credit report.

Related: $10,000 Personal Loans

Review Your Credit Report

There are many websites that offer a look at your credit report. Note: be careful what you are signing up for when you agree to their terms. Some of them want to sell your information to outside companies. When you review your credit report, look for anything that is not correct. By cleaning up your credit report, your score could take a nice positive jump.

Open 24/7

We are open 24 hours a day, 7 days a week to help people get approved for short term credit, even on the weekends. Most local finance options you will find are only open Monday - Friday.

Bad Credit Loans are not for Everyone

$1000 bad credit loans are not for everyone and should be used only when necessary and for small amounts. This type of financing usually comes with higher interest rates than you might find at a traditional lending institution. Be sure your budget and your lifestyle can handle the additional monthly payments.

Safe and Secure Transactions

The direct lenders in our network of loan companies all go through a rigorous screening process before being accepted as a trusted financier. Our website in encrypted to ensure your safe and secure transaction.

Disclaimer: badcreditloans.net is not a lender and makes not lending decisions. Must be 18 years old to apply. All terms and conditions and legal agreements are between you and the lender that may make you an unsecured loan offer.