Having bad credit can be a real pain in every sense of the word. There are millions of Americans who deal with the woes of bad credit on a daily basis. As human beings, it is easy to fall on difficult times due to bankruptcy, divorce, or other situations. This does not make you a bad person. You still deserve to not be judged by your credit score. Unfortunately, not many lenders see it this way. However, there are some short-term installment loan lenders that may be willing to help you get the financing that you need.

Bad Credit Installment Loans

If you need an installment loan but do not have the best credit, there are many ways you can go about this. There are some very specific tasks that you must adhere to before you start your search for installment loan lenders.

  *  Create a list of possible lenders that do not perform credit checks. You can typically find this information online via the company’s website or other resources. You can also make some phone calls and ask them if they do credit checks.

  *  Find out about the fees that they charge for obtaining a loan. If they accept customers with bad credit, there is a good chance that they have a high interest rate. It is against the law for them not to disclose any fees or interest rates associated with the loan you are obtaining.

  *  It is important to find out what their eligibility requirements are before you begin the application process. If you have bad credit, they are probably going to require additional information that someone with impeccable credit would not be asked for. They are going to want to see proof of income, residence, employment, and even bank account information. Make sure that you ask the lender what these specific requirements are so that you are fully prepared when it comes to applying.


Just because you do not have excellent credit does not mean that you do not need extra cash from time to time. You may have to make some sacrifices when applying for an installment or payday loan but you will be able to find a lender that is able to work around your needs as well as your budget. It is important to take the time to find that lender that is willing to work with you and never just settle.

If you are looking for short-term installment loan lenders, then ShortTermLoans.com can help. Visit their website to learn more about their services.

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