Let a Personal Line of Credit help achieve your goals. Whether you need to make necessary home or car repairs, tuition payments or fund other major expenses, your Personal Line of Credit is there to help you do the things that matter. Most financial institutions offer unsecured personal loans to consumers, even if they have bad credit. Consumers with very poor credit scores may be able to obtain personal loans for more than $50,000. However, these personal loans typically aren't available to individuals in bankruptcy. Bad credit OK. Apply in 60 seconds. Helps people to get approved for their bad credit loans! Quick easy guaranteed cash advance online. Same day short terms loans unsecured, no credit check and instant approval. Personal Lines of Credit; Personal Lines of Credit. Print Because life is planned and unplanned. A personal line of credit may help you have funds for today, and tomorrow. Estimate your rate and payment. Benefits of a personal line of credit. Convenient access to funds available to you when you need them. A secured line of credit is a great option for borrowers with blemishes on their credit records. It allows borrowers to secure the lowest possible interest rates on their lines of credit while increasing their likelihood of approval. However, lenders will have the right to repossess the collateral, should you fail to pay your debts. Lines of Credit for bad credit, find, compare and apply for credit cards, loans, repair your credit, consolidate debt - 131. The Best Guaranteed “Credit Cards” for Bad Credit Although not often considered as a personal loan alternative, credit cards can be a handy form of financing for certain types of purchases. In particular, on most occasions where you would consider a short-term loan, you can likely use a credit card instead. In a Nutshell If you have bad credit, it can be difficult to get approved for a line of credit. When you need money, looking at lenders that offer “bad-credit” lines of credit may not be your only financing option — or even the best one. If you’re in need of some cash, you may have considered taking out a personal line of credit – and depending on your circumstances — it could be a great idea to do so. But if you want to find the best personal lines of credit for your specific situation, it’s vital you do your research before making any decisions. A personal line of credit is a loan you can access when you need it. Rates vary among lenders. You can find an unsecured line of credit — for which you don't need collateral — or a secured line of credit — for which you do need collateral.