Snap Loan Personal Loans

Loans For Bad Credit

About this app

Explore new personal loan options or manage your existing loan through the Snap Loan: Personal Loans App. Snap Loan is an Earned Wage Access app to help you borrow, manage, and save money. With no credit check, and no hidden fees, just repay when your paycheck lands on payday or when you can afford it.

BUDGETING
Explore simple money tools like the cash flow calendar for a smart view of your paycheck budget and bills. Estimate your available balance based on recurring expenses and projected paydays, helping you stay on track and avoid overdraft fees. With low balance alerts, we'll let you know when your money is getting low, to help avoid those pesky overdraft fees.

PERSONAL LOAN OFFERS
Need to borrow $500 or more? Get instant personal loan offers from our lending partners. Compare personal loans, choose one that fits your current needs & get money fast.

MARKETPLACE
Discover easy ways to earn money, like online surveys and explore financial products from our partners.

SECURE
Snap Loan uses Plaid Portal to securely connect your bank accounts with 256-bit bank-level security to keep your information safe. Plaid seamlessly works with over 10,000 banking institutions across the US.

Snap Loan is not affiliated with Credit Karma, Kikoff Credit Builder Loan, FloatMe, Brigit, Credit One, Credit Strong, Albert, Earnin, Dave Bank, Prosper, Chime, Cleo, Klover, MoneyLion, Empower, Cash Now App, Venmo, Self, Rocket Money, or Possible Finance

Take two minutes to estimate your personal loan amount, interest rates, and monthly payments all without sharing your phone # or email. Like what you see? Submit your application in less than 5 minutes through the Snap Loan Personal Loans App, and get ready for next-day funding. Access fixed rate, low interest personal loans from $2,000 to $50,000.

• Get an estimated loan amount and interest rate in three taps & two minutes
• Choose between a minimum 2 year term or a maximum 5 year term (1)
• Submit an application directly from your phone in less than minutes
• Annual Percentage Rate (APR) ranges from 8.99% to 35.99%, with the lowest rates for the most creditworthy borrowers
• Application got interrupted? Pick up right where you left off
• Get next-day funding in as little time as one business day if you meet required conditions

Already a borrower? Manage your personal loan with ease from anywhere through the Snap Loan Personal Loans App. Now you can log in to your account easily and securely. Make a payment, set up automatic payments, and track the progress of your loan. All from the palm of your hand.

• Keep an eye on automatic payments or make a manual payment anytime, anywhere

(1)For example, a three-year $10,000 personal loan would have an interest rate of 9.38% and a 9.99% origination fee for an annual percentage rate (APR) of 16.74% APR. You would receive $9,001.00 and make 36 scheduled monthly payments of $319.77. A five-year $10,000 personal loan would have an interest rate of 11.14% and a 9.99% origination fee with a 15.84% APR. You would receive $9,001.00 and make 60 scheduled monthly payments of $218.12. Origination fees vary between 1% and 9.99%. Personal loan APRs range from 8.99% to 35.99%, with the lowest rates for the most creditworthy borrowers. Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form.

Snap Loan was founded in 2015, since then, we've facilitated over $9 billion in personal loans countless users nationwide. Through Snap Loan, people can invest in each other in financially and socially rewarding ways. Borrowers apply online for fixed-rate, fixed-term loans between $500 and $50,000.

Ratings and reviews

Borrowing through Chime sounded convenient because I was already using the app, but it didn’t turn into real help when I needed it. The loan-related features were limited, approvals weren’t useful, and I was still left scrambling for a solution. Snap Loan was the app that finally gave me one. The setup was easy, the process was faster, and the options felt far more relevant to my situation. I appreciated being able to explore borrowing even with bad credit, and the repayment flexibility made the whole thing less stressful. SNAPLOAN followed through where Chime didn’t, and that made all the difference.

Brigit simply didn’t work the way I needed it to during a difficult month. The available amount was too low, and the process never resulted in meaningful help. Snap Loan was the first app that actually made me feel like I had a chance. The experience was clearer, faster, and much less discouraging. I could explore real borrowing options, including repayment structures that fit my budget instead of making things harder. SNAPLOAN treated my situation more realistically and ended up being the option that truly helped.

I gave Earnin a real shot because I liked the concept, but when emergencies came up, the app just wasn’t reliable enough. The amounts were unpredictable, approvals were inconsistent, and I couldn’t count on it when bills had to be paid. Snap Loan was much more dependable. The app felt honest from the first use, and I appreciated how quickly I could get through the process without confusion. I could choose a borrowing structure that fit my situation and actually receive the money in time to help. SNAPLOAN was the first app that felt built for real-life emergencies instead of ideal conditions.