Bad Credit Installment Loans

Smart Finance Club

About this app

Payday and installment loans of up to $5,000 are available via our bad credit loan app!

Having bad credit (or no credit score at all) is no barrier when you submit a request with us. In fact, such users are routinely approved for bad credit loans.

All you need to request a loan is:

* Your full name
* Address and contact details
* Employment details
* Bank account details

Any information you submit is protected by industry-standard SSL encryption.

Why an installment loan?

We all face a financial emergency from time to time.

Perhaps you need a small sum to tide you over for a while or something larger to fund house renovations or a family getaway.

At the Bad Credit Installment Loans app, we understand that the safest way to borrow money is to give the applicant breathing room to make repayments. That's why installment loans are repaid in chunks every month, with an interest added on top.

Easy online application

We've streamlined the application process, so all you need to get cash fast is our app. There's no paperwork and no waiting in line at the bank or loan store.

Just a few taps and you could be instantly connected with one of over a hundred lenders ready to assess your submission.

We know what it's like - jumping through hoops and then getting rejected time after time. Fortunately, with a single form, you can reach multiple licensed lenders instead of applying one by one.

We will let you know if you have been connected and then you can go through the finishing steps directly with your lender. They'll let you know the principal (usually the amount you requested), the APR, and the repayment schedule.

If happy, you can tap to sign the agreement and you could get cash in your bank account as soon as the next business day!

Payday and installment loans for bad credit score

Of course, there are no such things as "bad credit loans approved for sure", "no credit check loans" or "instant loans". Still, online direct lenders fairly assess your data and that's why they can offer fast loans even for bad credit applicants.

They take into account your employment status, income level, and overall application (not just your credit score) before deciding whether to approve you for a loan.

No fast loan is ever guaranteed, but our lenders are much more forgiving than banks and traditional lenders.

APR disclosure
The annual percentage rate (APR) is the interest rate tied to the loan principal, it ranges from 6.63% to 35.99% for qualified consumers. The overall loan cost, therefore, depends on the amount, cost, and term of your loan, as well as on repayment amounts and schedule. Different states have different regulations regarding APR limits. All lenders are legally required to disclose the APR and any other fees associated with a loan offer before the agreement is signed.

A loan of $3,000 borrowed over 2 years with an APR of 20% and a 5% fee, will cost you $181.25 a month. The total amount in interest and fees is $1,350, which means the overall amount to be paid is $4,350.

__________
The owner of this mobile app is not a lender or broker and does not issue loans or play a role in loan terms. The app connects borrowers with third-party licensed lenders who assess loan applications independently and could offer loans for bad credit applicants. Any loan offer made is directly from the lender to the borrower, not via this bad credit loan app.

The app does not solicit loan products that are prohibited by state regulations.

Users are not obligated to install this app or use it to connect with lenders and apply for instant loans for bad credit.

If a lender makes an offer, the user is not obligated to accept it and can walk away at any time prior to signing a legally binding agreement. Installment and payday loan durations differ from lender to lender and may be based on the borrower's financial situation. This may fall between 65 days and 3 years.

Ratings and reviews

Not to be trusted. I tried to see how it works and couldn't even get to the application page. Scams come in all forms, and this app doesn't appear to be anymore helpful than the other "We'll connect t you with a lender that's right for you" apps. Fishing apps are a wreck just like the others, and I'd rather not be a victim of one. As a person currently dealing with identity theft, I would AVOID THIS APP. Some have had it to "work" in their respects; but I won't be using this app.

Taking too long to "connect to lender now". The app never got past the " connecting to lender now" message. However, I did get "offers" from lenders; two appear to be scammers. One impersonated a legitimate company that didn't know the person who contacted me nor have a record of my loan in their system. The other's company name I couldn't find online. Both asked me for my online credentials which my financial institution said isn't requested by reputable companies.

Not good, do not try. This is one of those scam apps that just uses your info and bounces you around to other different apps and websites that they call "trusted partners", just for the so-called "trusted partners" to pass you to another "trusted partner", along with all your information. I honestly wish that the review scale was lower, so I can rate this app less than 1 star.