If you are an American struggling to pay your bills, a bad credit loan could help you. Maybe you are behind with your bills, or maybe you are behind with your rent. We know some people who fall behind on their car payments. Whatever your scenario is, we want to let you know that you are not alone. So many fellow Americna suffer from poor credit scores.

In this article we are going to highlight some of the best bad credit loan lenders in America. We want you to know that not all of these emergency loan lenders are ethical. Some of them are great to deal with, and some of them are fraudulent. The fraudulent ones run scams and try to cheat everyday Americnas out of their hard earned money. So as you begin this journey towards finding a bad credit loan lender, proceed with caution and never go with a payday loan lender that does not seem legit.

When we put our list of no credit check loan lenders together, we wanted to pick some of the best payday loan lenders in America. There are a lot of bad credit loan companies to select from but we made sure to highlight only some of the best.

So here we go. Here is a list of the best bad credit loan lenders in America.

#1. MONEYMUTUAL – Top Direct Lender For No Credit Check Loans

#2. CREDITLOAN – Best Emergency Loan for Bad Credit Lender

#3. FUNDSJOY – Payday Loans For Bad Credit With Instant Approval

#4. TRUE AMERICAN LOAN – Top Short Term Loan Lender In America

#5. XMASFUNDS.COM – Instant Approval Bad Credit Loans

#6. PERSONAL LOANS – Quick Loans With Instant Approval

#7. BADCREDITLOANS.COM – $500 Loans With Instant Approval

#8. CASHUSA.COM – Best Bad Credit Loan Lender In 2022

#9. BILLSHAPPEN – Top Quick Money Direct Lender

#10. FUNDSCOW – Best Emergency Loans For Bad Credit

#11. FUNDSSEEK – Online Loans For Bad Credit With 48 Hour Approval

#12. FINDFUNDSNOW – Direct Lenders With $300 Instant Approval Loans

#13. FUNDSGIFT – Cash Advance Experts With Guaranteed Approval

#1. MoneyMutual – The Best Loans For Bad Credit Lender In The United States

MoneyMutual by far is the best bad credit loan lender, there is no counter argument. They have been in the emergency loan game for a long time and they have established a strong customer base. They have many positive reviews online and they have a great celebrity spokesperson.

Monetell Williams, you don’t forget him do you?

Montel Williams absolutely dominated day time TV ratings during the 1990s. He had so much success with his day time talk show. After that massive success, we went into promoting bad credit loans and MoneyMutual specifically.

Montel Williams had so much success so quickly in the bad credit loan space. When this happened, a lot of haters came out and came after him. They would say that Montell was taking advantage of the less fortunate.

This was a lie. Montel Williams was always an upstanding citizen and celebrity. The haters that came after him were jealous of his great success promoting payday loans and MoneyMutual.


#2.CreditLoan – Top Installment Loans With Instant Approval

CreditLoan is MoneyMutual’s largest competitor. This company has grown very quickly into a legitimate bad credit loan lender. They have a strong customer service record and quick turn around with their loans. In many cases they are able to approve bad credit loans within 24 hours.

You need to keep your eye on CreditLoan. They are gaining more momentum each and every day as an emergency loan lender. The true test for them as a payday loan provider will be their customer service. As they continue to grow and give more personal loans, the true test will be whether they are able to maintain a high level of customer service with all of their borrowers.


#3. FundsJoy – Emergency Loans For Bad Credit With 24 Hour Loan Approval

FUNDSJOY provides personal loans fast to their borrowers. They are a bad credit loan company that focuses a lot on their online marketing. They tend to appeal to all age groups, however seem to be most popular among the 25 to 45 age category. FundsJoy is a great short term loan lender, however, they are not perfect.

Just like CreditLoan, FundJoy is expanding rapidly. They are taking on more personal loan borrowers each and every day. With this rapid expansion, the industry is not sure how they will handle it. Observers wonder if they will emerge as one of the best payday loan lenders, or if they will crumble under all of the bad credit loan requests.

We will have to wait and see what happens with them. As of now, we absolutely love them as an installment loan company. And actually, emergency loans are what they are best at.



True American Loans is for True Americans, as the name suggests. This bad credit loan company understands who their customers are. Their customers are proud Americans who are in search of the best bad credit loans in America.

True American Loan has become known for providing many bad credit loan options. They offer a number of emergency loans which include the following:

  • Bad credit loans

  • Payday loans

  • Loans for bad credit

  • Short term loans

  • 24 hour loans

  • $500 loans

  • $400 loans

  • $300 loans

  • $200 loans

  • $100 loans

  • Instant loans

  • 48 hour loans

  • No credit check loans

  • Direct lender loans

True American Loans are nowhere as big as MoneyMutual. However, they don’t have to be. They have a very defined target market. This target market is proud Americans who are looking for a bad credit loan.


#5. XMASFUNDS.COM – The Most Famous Christmas Time Bad Credit Loan Company

XMASFUNDS – How does a bad credit loans lender with a Christmas name perform well during the middle of the year? This was a question we were asking ourselves. We then took a look at the volume of business this bad credit loan lender was doing and we could not believe it!

This showed us that bad credit loans lenders, no matter what their branding is, perform well at all times of the year. This is a perfect example. XmasFunds is a payday loan lender that is clearly branded for the holiday season. Despite this, they are able to get many requests for payday loans even during the summer time!

We recommend you take a look at this lender. They are just as good as all of the other bad credit loan lenders out there. If you are looking for an emergency loan up to $5000, this lender could be a good fit for you.


#6. FundsGift – Bad Credit Loans With No Credit Check And Guaranteed Approval

FundsGift is the new bad credit loans lender on the scene. We believe that they are going to eventually take over as the number one bad credit loan lender in America. It will be just a matter of time until they pass the mighty MoneyMutual.

FundsGift is growing at a rate we have never seen before. We think this may be due to the fact that their bad credit loan application process is extremely short and straightforward.

Observers of the bad credit loan industry are divided. Some think that MoneyMutual will remain as the dominant bad credit loan lender. While others think that FundsGift will knock them off their top spot in a matter of months.

The reality is, the jury is out. No one knows for sure which of these two payday loan lenders will take and maintain the number one spot.

FundsGift are experts in the bad credit loan space. They specialize in providing the following:

  • $500 loans

  • $300 loans

  • Instant loans

  • 24 hour loans

  • No credit check loans

  • Loans for veterans


Conclusion: Short Term Loans and Installment Loans For Bad Credit

This concludes our in depth review on the top 13 bad credit loan lenders in America. We hope that you found this bad credit review to be helpful for you.

The ball is now in your court. You have 13 different bad credit loan providers to chose from. Each of these companies can get the job done and provide you with a bad credit loan. However, keep in mind that some payday lenders will be better than others.

Use our review as a guide in order to help you select the best lender for you.

If you are stuck and you do not know which bad credit loan company to select, we recommend that you go with the best one, and the best one is MoneyMutual.

Visit their official website and apply for a bad credit loan today.


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