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

In this article, we’re going to highlight some of the best bad credit lenders in America. We want you to know that not all of these emergency lenders are ethical. Some of them are nice to deal with, and some of them are fraudulent. Fraudsters run scams and try to cheat everyday Americans with their hard-earned money. As you begin this journey of finding a bad credit lender, proceed with caution and never go with a payday lender that doesn’t seem legitimate.

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

So let’s go. Here is a list of the best bad credit lenders in America.

#1. MUTUAL MONEY – Best direct lender for loans without credit check

#2. CREDITLOAN – Best emergency loan for bad credit lender

#3. FUNDSJOY – Bad credit payday loans with instant approval

#4. REAL AMERICAN LOAN – Best Short Term Lender in America

#5. XMASFUNDS.COM – Instant approval for bad credit loans

#6. PERSONAL LOANS – Fast loans with instant approval

#seven. BADCREDITLOANS.COM – $500 loans with instant approval

#8. CASHUSA.COM – Best bad credit lender in 2022

#9. BILLSHAPPEN – Best Quick Money direct lender

#ten. SCOWFUNDS – Best emergency loans for bad credit

#11. FUND SEARCH – Online loans for bad credit with 48 hours approval

#12. FIND FUNDSSNOW – Direct Lenders with $300 Instant Approval Loans

#13. FUNDSDON – Cash advance experts with guaranteed approval

#1. MoneyMutual – The best loans for bad credit lenders in the United States

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

Monetell Williams, you remember that, do you?

Montel Williams absolutely dominated the daytime television ratings in the 1990s. He was so successful with his daytime talk show. After this massive success, we started promoting bad credit loans and MoneyMutual in particular.

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

It was a lie. Montel Williams has always been an upright citizen and a celebrity. The haters who followed him were jealous of his great success in promoting payday loans and MoneyMutual.


#2.CreditReady – Best installment loans with instant approval

CreditLoan is MoneyMutual’s main competitor. This company has become a legit lender of bad credit loans very quickly. They have a strong customer service record and fast processing of their loans. In many cases, they are able to approve bad loans within 24 hours.

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


#3. FondsJoy – Bad credit emergency loans with 24 hour loan approval

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

Much like CreditLoan, FundJoy is growing rapidly. They accept more and more personal borrowers every day. With this rapid expansion, the industry does not know how it will manage. Observers wonder if they will emerge as one of the best payday lenders, or if they will crumble under all the bad credit loan applications.

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


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

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

  • Loans for bad credit

  • Payday loans

  • Loans for bad credit

  • Short term loan

  • Ready in 24 hours

  • $500 loans

  • $400 loans

  • $300 loans

  • $200 loans

  • $100 loans

  • Instant Loans

  • Ready in 48 hours

  • No credit check loans

  • Direct lending from lenders

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


#5. XMASFUNDS.COM – The most famous Christmas bad credit loan company

CHRISTMAS FUNDS – How does a bad credit lender with a Christmas name perform well in the middle of the year? It was a question we asked ourselves. We then took a look at the volume of business this bad credit lender was doing and we couldn’t believe it!

This showed us that bad credit lenders, regardless of their brand, perform well at all times of the year. It’s a perfect example. XmasFunds is a payday lender that is clearly branded for the holiday season. Despite this, they are able to get many applications for payday loans even during summer time!

We recommend that you take a look at this lender. They are just as good as all the other bad credit lenders out there. If you are looking for an emergency loan up to $5,000, this lender might be right for you.


#6. FundGift – Loans for bad credit without credit check and guaranteed approval

FundGift is the new bad credit loan lender on the scene. We believe they will eventually take over as the number one bad credit loan lender in America. It will only be a matter of time until they pass the mighty MoneyMutual.

FundsGift is growing at a rate never seen before. We believe this may be because their bad credit loan application process is extremely short and simple.

Observers of the bad credit loan industry are divided. Some believe that MoneyMutual will remain the main bad credit lender. While others think that FundsGift will knock them off their top spot within months.

The reality is that the jury is out. No one knows for sure which of these two payday lenders will take and hold the top spot.

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

  • $500 loans

  • $300 loans

  • Instant Loans

  • Ready in 24 hours

  • No credit check loans

  • Loans for veterans


Conclusion: Short Term Loans and Installment Loans for Bad Credit

This concludes our in-depth review of the Top 13 Bad Credit Lenders in America. We hope you found this bad credit report useful to you.

The ball is now in your court. There are 13 bad credit loan providers to choose from. Any of these companies can do the job 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 to help you select the best lender for you.

If you’re stuck and not sure which bad credit loan company to choose, we recommend you choose the best one, and the best one is MoneyMutual.

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


About Coy Lewallen

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