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Your Authoritative Guide to Online Bad Credit Loans OppLoans  is committed to providing the highest quality bad credit loan information possible. If you have bad credit, there is hope. Take advantage of the many resources out there, speak with experts and make the right decisions for the financial health of yourself and your family. Apply online for a bad credit personal loan up to $4,000 with no hard credit check. Fast funding as soon as tomorrow. Great customer service. Online Loans for Bad Credit If you have bad credit, you're not alone. According to the Federal Reserve Board, nearly half of Americans have credit scores that fall below 680. If your score is below 680, most traditional banks won't approve you for a credit line, which means you have to look for other funding sources when the unexpected happens. Best Online “Short-Term” Loans for Bad Credit More or less the opposite of an installment loan, short-term loans, often called cash advance loans, are designed for smaller purchases that you can repay in full within a short period of time. With getting your bad credit loan online, there is no collateral required regardless of your rating or history, and your ability to qualify for one of our online personal loans is based off of your ability to repay the loan! This lets us process your application and approve it in a matter or minutes so you can get your money ASAP. 3. If you have bad credit, NerdWallet can help you pick a loan from lenders such as Lending Club, Avant and OneMain Financial. There are options for people with bad or thin credit, though interest.