Best Places to Get Instant Approval Bad Credit Loans

Top 3 Payday Loans for Bad Credit with Instant Approval

Loans are perhaps one of the best financial inventions in recent times. As personal needs continue to increase, there is a high chance that many individuals would sometimes need some extra cash to sort out some bills. In such cases, loans are a very good option to explore.

Particularly, if you are expecting a regular income, such as a salary from an employment, one of the most viable funding opportunities is through a payday loan. These loans are specially designed to provide advance funding to be repaid with your next paycheck.

Since payday loans are very popular, there are lots of available offers from different sources. Unfortunately, this also means that the chances of falling prey to predatory lenders are very high.

In this article, we explore some of the most trusted institutions to get payday loans with bad credit from. Additionally, you’ll find out how to access payday loans with no credit checks at WeLoans. If you’re uncertain about where to run to in time of difficulty, the subsequent paragraphs will offer some guidance.

Best Places to Get Instant Approval Bad Credit Loans

There are a broad range of options available for you if you’re seeking out bad credit loans. Below are some of the most common institutions that would offer you payday loans with a bad credit score.

Online Payday Lenders

Payday loans are a funding type gotten in advance of your next salary payment or paycheck. There are direct lenders who focus on providing this type of loan to customers. They operate through websites or mobile apps and allow applications via their online platforms.


One common type of bad credit loan is a pawnshop loan. This type of credit facility works when you give off a valuable item in exchange for cash to be repaid after a period. Failure to repay may cause the lender to take possession of your item and sell it off. You can find physical pawn shops around you or browse for closest stores online.


Perhaps the most trusted option, brokers connect you to a broad range of direct lenders. Instead of submitting loan request applications to dozens of lenders, you can apply to a broker and get offers from several of their direct lenders.

List of Recommended Brokers for Bad Credit Loans

Brokers are a top choice for anyone seeking bad credit loans. This is because they streamline the lender process perfectly and open you up to a large variety of direct lenders. With a single application, you can get access to offers from several lenders within your location. That way, you can choose the best loan deal on the basis of APRs, repayment terms as well as other terms and conditions.

Interested in securing a bad credit loan through a broker? Below are three of the most highly recommended.

WeLoans – Best Overall Loan Broker



WeLoans is a very popular brand in the personal finance industry. For now, the company has built a reputation as one of the most trustworthy brokers. WeLoans partners with over 80 direct lenders across the country who provide bad credit loans to customers. One of the advantages of using WeLoans is that it offers a loan application process that is fully online.

By simply visiting the broker’s website, you can fill out an online form, make a loan request and expect offers from dozens of direct lenders. WeLoans partner lenders also ensure quick funding, typically within one to two business days. You can also search for more information about WeLoans through informative articles available on its website.


  • The broker has high ratings from customers across the country
  • Lenders report when you make on-time payments
  • Has a large network of lenders nationwide


  • The broker has no mobile app
  • Not a direct lender

CocoLoan – Best for Large Loan Amounts



Since inception, CocoLoan has focused on providing its customers with access to loan offers through its lending partners who offer a 97% approval rate. With CocoLoan, you can get up to $5000 in bad credit loans. CocoLoan also promises some of the most competitive interest rates and fees that you’ll find in the country.

For bad credit borrowers, there is also a function to use a cosigner. This person serves as a guarantor on your loan application and bears the brunt if you default on your loan repayment. Another top feature of CocoLoan is that you do not require any special technical knowledge to use its online application feature.


  • Loan offers are non-obligatory until you accept them via CocoLoan
  • Easy online application and quick funds disbursement process
  • Highly competitive annual percentage rates and fees


  • The broker’s partners may charge exorbitant fees for repayment default
  • Not a direct lender

US Bad Credit Loans – Best for Fast Approval and Funding

US Bad Credit Loans – Best for Fast Approval and Funding

US Bad Credit Loans is last but by no means the least. This broker is specially designed for bad credit borrowers. As a result, it offers a broad range of loan facilities such as cash advance, personal loans, title loans and payday funding options. Its network of lenders do not perform a hard credit check and they also ensure fast approval on your loans.

Like most other brokers on this list, US Bad Credit Loans also engages the services of top-rated direct lenders. You also have access to use co-applicants who can stand in for you in the case of default.


  • Loans attract considerably low interest rates
  • You can use a co-signer to receive bad credit loans
  • Available for borrowers with bad credit history


  • You may need to show proof of income to be eligible for loans

Concluding Remarks: Which Loan Broker Should You Go For?

There is no hard and fast rule to determine which broker you should follow. However, taking note of some tips will be highly beneficial. For instance, not all brokers may be available in your state. Besides, some have a higher approval rate than the others.

Nevertheless, the three brokers listed above are some of the best you’ll find around. Not only are they trustworthy but they have efficient customer service. Simply fill out the loan application form on their websites and you stand a chance to receive multiple offers that suit your needs.

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