Bad Credit Loans Near You
Feedback from Our Customers
Thank you for your help, it was one of the fastest ways to get money I’ve ever tried!
Always very fast and convenient
Super easy to apply! Get approval in minutes and the funds on the next day
“Guaranteed approval” notice: Legitimate lenders can not guarantee approval. They are obliged to verify your creditworthiness and the ability to repay by law. At 15M Finance, the underwriting process only involves a soft credit check that does not affect your credit score. What we actually do is review your overall financial situation to estimate your loan eligibility. This approach allows us to provide loans to people with less-than-perfect credit and those who have already been denied by traditional banks.
15M Finance is a licensed loan company that practices fair and responsible lending. Our website allows you to access multiple loan offers by submitting one application form, which increases your chance of getting approved.
Key Takeaways
- 15M Finance provides online and in-store loan options across the US, helping people get money fast, no matter their location.
- No good credit is needed to qualify. Your income and the overall financial situation are more important to us.
- Loan terms are subject to approval based on your credit, state, income, and the loan type.
- Before applying, consider alternative ways to access the funds, including interest-free options.
What 15M Finance Offers
No matter your current situation, we can offer you an option that will be your best fit.
Payday Loans
Installment Loans
Personal Loans
Find a Loan Near You
At 15M Finance, an online application is available from anywhere, 24/7. If you are looking for more personalized support, feel free to visit our physical stores.
How to Apply with 15M Finance
Our hassle-free application process consists of 3 simple steps:
Provide your details
We only ask for basic information when you fill out our easy form.
Get a loan decision
A soft credit check allows for quick verification without affecting your FICO rating.
Receive the loan
If approved, read the terms thoroughly and e-sign the agreement. The money will be transferred to your bank account on the same or the next business day.
Trusted by Thousands of Customers
Monthly payments make it painless, and I’m a happy camper!!!
needed money for a surprise gift, and this loan was hella fast! Approved in no time, and I made someone’s day. Wink.
their loan officer was amazing! Great costumer service. Greeted me as soon as I walked in the door and had a smile throughout the whole transaction also wished me to have a great day !!
Requirements to Meet
We only ask for some basic items to verify your loan eligibility:
- Age of at least 18 (19 in some states)
- Valid government-issued ID
- Social Security number
- Active bank account and routing numbers
- Proof of income (pay stubs, bank statements, tax returns, etc.)
- Proof of address
- Valid phone number and email
Other Ways to Get Quick Cash
If taking out a loan is not your option, consider several interest-free alternatives:
Borrowing from family
Your relatives or friends might lend you the needed amount if you explain your situation, ask politely, and set a realistic repayment deadline. Just make sure you can keep the promise so as not to ruin relationships with your loved ones.
Paycheck advances
Ask your HR department about the available assistance options. Some companies offer early paycheck advances as part of their benefit package, allowing you to access a portion of your future salary at no or a small fee.
Local assistance
There are many community or state-based programs designed to help individuals with the utmost necessities, such as housing, groceries, child care, and medical expenses. In some cases, you may be required to demonstrate the need to qualify. Visit 211.org for more information.
Payment plans
If you need money to pay for rent, utilities, medical treatment, or other services, ask your provider about the in-house options available. You may be offered a flexible payment plan or payment deferment, especially if you are in good standing.
Selling unnecessary stuff
There may be a lot of things in your house you no longer use. Whether it’s a book, a musical instrument, or even clothes, there may be people who are searching for them online. Create a listing on Facebook Marketplace or eBay, or hold a garage sale to turn unneeded things into cash.
Terms & Rates
Interest rates and terms depend on the loan type, your credit, state, and income.
Payday loans allow you to borrow between $100 and $1,000 and need to be repaid over 14 to 30 days. Finance charges typically range from $10 to $30 for each $100 borrowed.
Below are representative cost examples based on 15M Finance’s recent approvals:
| Loan Amounts | Finance Charge (per $100) | APR (14 days) | APR (30 days) | Total Cost |
| $100 | $15 | 391.07% | 182.50% | $115 |
| $300 | $20 | 521.43% | 243.33% | $360 |
| $500 | $25 | 651.79% | 304.17% | $625 |
An installment loan can provide you with amounts of $500 – $5,000 for a period of 2 to 24 months. Interest rates start at 16% but can reach nearly 200% for borrowers with poor credit.
Here are illustrative calculations:
| Loan Amount | APR* | Repayment Period | Monthly Payment | Total Cost |
| $800 | 17.99% | 6 | $140.42 | $842.50 |
| $1,500 | 24.31% | 12 | $142.06 | $1,704.77 |
| $4,000 | 35.99% | 24 | $236.17 | $5,668.04 |
With a personal loan, you can borrow from $1,000 to $10,000. The repayment period can be up to 60 months, providing more flexibility for larger expenses and big events. At 15M Finance, we accept applicants with less-than-perfect scores, yet APRs can be higher than those offered to people with good credit.
The table below shows cost and payment examples based on illustrative APRs for borrowers with good and fair credit:
| Loan Amount | APR* | Repayment Period | Monthly Payment | Total Cost |
| $1,000 | 16.85% | 6 | $174.95 | $1,049.72 |
| $5,000 | 21.93% | 18 | $328.47 | $5,912.53 |
| $10,000 | 32.99% | 36 | $441.06 | $15,878.06 |
