I Need Unsecured Credit Cards for Really Bad Credit - Please HELP, I'm DESPERATE

I Need Unsecured Credit Cards for Really Bad Credit 

Warren is a 22-year-old who is in full-time employment. He emailed me with the following question...

I need unsecured credit cards for really bad credit. I recently checked my credit report and my Fico score is below 600 which is poor credit. 

I want to borrow money in the future and I'm fed up with resorting to payday loans which charge high interest. I also desperately wanted to rebuild my credit for the future because I plan on settling down soon and hopefully one day owning my own home.

I need to know the following...

Q1: Can I apply for a bad credit credit card with a Fico score less than 600?

Q2: What are the best credit cards for people with really bad credit?

Q3: How many bad credit credit cards should I apply for at any one time?

Q4: What can I do to quickly improve my Fico credit score from Poort to Good?

Q5: Which bad credit credit card should I apply for given my poor credit status? 

Look forward to hearing from you...

My Response

Hello, Warren and thanks for emailing The Millionaires Giving Money Blog.

As a 22-year-old guy, you are asking all the right questions to get the right credit card and to improve your credit.

In this post, I will answer your five questions and make recommendations for the best credit cards for people with really bad credit.

I will also offer 10 tips to improve your credit score as well as 10 tips to improve your personal finances.

I really hope you put all these tips into action. I was in a very similar situation and I was able to go from poor credit to excellent credit!

Your Questions Answered...

Q1: Can I apply for a bad credit credit card with a Fico score less than 600?

You can apply for bad credit credit cards with a Fico Score less than 600. There are credit cards for people with Fico scores less than 550 and for people without any credit history.

Unfortunately, you will get a relatively high-interest rate and a low credit limit. You will not get the best deals like zero percent credit cards as these are reserved for people with excellent credit, something you should aspire to.

Q2: What are the best credit cards for people with really bad credit?

The best credit cards for people with really bad credits are offered by Credit One Bank, Surge, Fingerhut, USAA, and Discover. I will be providing a full list of credit cards for people with really bad credit under 600.

Q3: How many bad credit credit cards should I apply for at any one time?

You should do your research and find credit cards you are most likely to be accepted for. One you find these credit cards you should only apply for one every 6 months. 

The reason for this is you do not want to come off as desperate for credit as every time you apply a hard check is added to your credit file and this reduces your Fico Credit Score.

Q4: What can I do to quickly improve my Fico credit score from Poort to Good?

You are asking the right question here. Below I will be offering 10 tips to quickly improve your credit score. I used these tips to take my credit score from poor to excellent in 9 months.

Q5: Which bad credit credit card should I apply for given my poor credit status? 

Given your circumstances, I would recommend the USAA Classic Platinum. This card is unsecured so you don't have to put up a deposit. There is a $35 annual fee and APR of 18.40% to 24.40%.

This card is great for rebuilding credit and there is no foreign transaction fee when you travel overseas.

Unsecured Credit Cards for Really Bad Credit

Here is a list of 10 unsecured credit cards for people with really bad credit. 

You should apply for one every 6 months. The USAA Classic Platinum Visa has a $35 annual charge and is targeted towards people with really bad credit. This is the credit card you should apply for now.

If you're approved that's great. 

If you are declined wait another 6 months before you apply again and consider applying for a secured credit card which is easier to be approved for and will help you build your credit. 

You will need a $200 dollar deposit but this will be a great way to improve your credit.

Card 1: USAA Classic Platinum Visa with $35 annual charge 

Card 2: Fingerhut Credit Account with no annual charge

Card 3: Surge Mastercard Credit Card

Card 4: Credit One Bank Unsecured Visa Credit Card with annual charge 0 to $99

Card 5: Credit One Bank Visa Credit Card with 1% Cash Back

Card 6: Credit One Bank Unsecured Visa - No deposit required

Card 7: Total Visa Unsecured Credit Card

Card 8: First Access Visa Credit Card Unsecured

Card 9: The Luxe Signature Mastercard Unsecured Credit Card

Card 10: Horizon Gold Card Excellent for rebuilding credit

Tips to Improve Your Credit Score 

Here are 10 quick tips you should use to improve your Fico Credit Score from Poor to Good. I used these tips to improve my credit score from poor to excellent. 

These tips work so take action now.

Tip 1: If you have existing credit cards set up an automatic payment so you pay on time

Tip 2: Never spend more than 30% of your available credit limit

Tip 3: Have one registered address for all bank accounts and credit cards

Tip 4: Call up existing credit card companies and ask them for a limit increase

Tip 5: Do not apply for more than 1 credit card every 6 months

Tip 6: Pay more than 10% of minimum payment every month

Tip 7: Pay 1 week in advance every month, this will improve credit score

Tip 8: Become an authorized signatory with a person with really good credit

Tip 9: Remove financial association with people with bad credit

Tip 10: Dispute all defaults on your credit account if older than 6 years and remove them

10 Tips to Improve Your Personal Finance

To improve your personal finances I would advise you to put into action the following tips. I've read more personal finance books than I care to remember and these are the 10 tips that keep repeating themselves.

These tips will pave the way for a better future. These are the tips I used to improve my personal finance.

Tip 1: As soon as you're paid, automatically save 10% in an Emergency Fund account

Tip 2: Make a list of all your expenses and try to reduce it by 30%

Tip 3: Progress your career and ask for a pay rise, or find a better-paid job

Tip 4: If you can, get a 2nd job and save all the money you make in a savings account

Tip 5: Repair and improve your credit so you can borrow money cheaply

Tip 6: If you can, you should downsize to pay less in rent

Tip 7: Look for ways to supplement your income online e.g. blogging

Tip 8: See if you can get a scholarship or grant to study or learn a skill to get a better job

Tip 9: Cook your food from scratch and embrace batch cooking

Tip 10: Don't take out more debt until you have a beefy emergency fund

I Need Unsecured Credit Cards for Really Bad Credit

Firstly, I would advise you to apply for the first credit card on the list.

If you are approved then it's job done. 

If you are declined consider applying for a secured credit card. Do not make more than one credit application every 6 months.

You should also put the 10 tips to repair credit into action. Within 12 months your Fico credit score will be much higher.

Also, take action and implement the tips for improving personal finance. In 12 months you will be in a much better position and you may have an option to apply for a mortgage.

I wish you all the best. Below are some more frequently asked questions that I get with regards to unsecured credit cards for really bad credit...

Frequently Asked Questions on Bad Credit

FAQ 1: What is the best-unsecured credit cards for bad credit with no deposit?

In my opinion, the best-unsecured credit cards for people with really bad credit which does not require a deposit is the USAA Classic Platinum Visa with $35 annual charge.

A lot of people have been approved for this credit card with poor credit.

FAQ 2: Are there any instant approval credit cards for bad credit?

Thre may be instant decision credit cards but this is very rare for people with really bad credit. If you are given an instant decision then you could be approved. 

Thre is no guarantee that you'll be approved.

FAQ 3: Are there any bad credit credit cards guaranteed approval?

There are no guaranteed approval credit cards. The credit card company will take into account your credit score and status.

FAQ 4: Can I apply for the Total Visa unsecured credit card with bad credit?

Yes, you can. Total Visa offers unsecured credit cards for people with really bad credit.

FAQ 5: What are a second chance credit card with no security deposit?

This is when a credit card company considers taking you on as a customer despite having poor credit, they are giving you a second chance without the need to secure your card with a deposit.

FAQ 6: Are there any guaranteed approval unsecured credit cards for bad credit?

There is no guaranteed approval unless it's a secured credit card.

FAQ 7: What are best credit cards for rebuilding credit?

Secured credit cards are the best to rebuild credit.

I Need a Personal Loan But I Have Really Bad Credit - Please Help I Need Money Desperately

I Need a Personal Loan But I Have Really Bad Credit

A few days ago I received an email from Emma, the subject of the email was I need a personal loan but I have really bad credit. 

Emma is a 23-year-old single mother with 3 children and she has allowed us to share her email...

Reader Email

I'm working full time at the moment but can barely make ends meet. Recently, my heating system broke down and the plumber said it could cost as much as 1000 dollars to make repairs. 

I have no emergency fund and I need a personal loan but have really bad credit! I noticed you help people with advice so I wanted to ask the following questions...

Q1: Can you get a loan with bad credit?

Q2: How can I get approved for a loan?

Q3: How can I borrow money with bad credit?

Q4: How do I get a payday loan with bad credit?

Q5: Can you take out a loan with no credit history?

Q6: What is a loan broker?

I really need direction right now. I always seem to get a little ahead and then all my savings are wasted because something breaks down! please help I need money desperately!

My Reply to Emma

I'm sorry to hear about your problems, rest assured there are solutions. 

It must be very tough raising 3 kids while working full-time so I take my hat off to you.

In this post, I will be answering the questions above and I will offer 10 ways to get loans for bad credit. 

I will also be advising you on how to avoid getting into debt with 10 tips on personal finance as well as 10 tips for improving and repairing your credit. 

Reader Questions:

Question 1: Can you get a loan with bad credit?

You can get a loan with bad credit. Unfortunately, you will have to pay more in interest.

You can get loans for bad credit with direct lenders and loans for bad credit with no guarantor. You do have a lot of options with bad credit but you will have to pay more.

Question 2: How can I get approved for a loan?

To get approved for a loan you must be in employment for at least 6 months. You must be over the age of 18 and be a U.S. Citizen. You must make at least 1000 dollars per month after taxation to be eligible for a decent loan with reasonable interest.

Question 3: How can I borrow money with bad credit?

The best way to borrow money with bad credit is via a broker company like Better Loans Mutual. You can get a loan for bad credit with no guarantor.

The application process takes about 3 minutes and you get a decision within 12 hours. If everything checks out you could get the money in your bank account within 24 hours. 

Better Loans Mutual offer installment loans so you can choose how long you need to repay the loan, unlike payday loans. These loans are cheaper than payday loans. You can submit an application by clicking the image below.

Question 4: How do I get a payday loan with bad credit?

You can get a payday loan with bad credit. You can find plenty of payday lenders by just doing a search for it using your location.

I would not recommend a payday loan because they are expensive and want payments quickly. Some payday loans want you do settle the loan on payday or within 3 months. 

These types of loans can cost a lot, and if you fail it pay it on time you will incur some heavy fines. It is better to use a company like Better Loans Mutual above.

Question 5: Can you take out a loan with no credit history?

It is hard to get unsecured loans with bad credit. It is impossible to get an unsecured loan with no credit.

The only exception is when you take out a car title loan or when you use a security as collateral. If you fail to make payments on time your security will be taken to pay off the loan. 

Question 6: What is a loan broker?

A loan broker is a company which has a panel of brokers. They take your details and pass them over to the panel of lenders and then get the best deal for you. This is exactly what Better Loans Mutual above does.

10 Ways to Get a Loan With Really Bad Credit

Here are 10 ways you can get a 'personal loan' if you have really bad credit.

I have used these ideas myself and it does work. I would call the credit card company to see if you can get a zero-percent deal so you can save money.

You can read about these ideas in detail on the following post - 10 ways to borrow money with bad credit.

Idea 1: Direct deposit to bank account from credit card

Idea 2: Balance transfer to a credit card that offers direct deposit to bank

Idea 3: Zero-percent credit purchase (you could pay plumber with credit card)

Idea 4: Better Loans Mutual for people with bad credit - money in your account in 24 hours

Idea 5: Payday loans - This is very expensive so be careful

Idea 6: Car title loans - you could lose you car if you miss payments

Idea 7: Installment Loans - this is high interest but you pay it over a longer period

Idea 8: Remortgage your property to release equity on a better interest rate deal

Idea 9: Take out a pawn shop loan on valuables - you must make all payments

Idea 10: Borrow from friends and family with proper loan agreements and schedule of payments

10 Tips to Sort Out Your Personal Finance

To improve your personal finances I would advise you to put into action the following tips. I've read more personal finance books than I care to remember and these are the 10 tips that keep repeating themselves.

These tips will pave the way for a better future. These are the tips I used to improve my personal finance.

Tip 1: As soon as you're paid, automatically save 10% in an Emergency Fund account

Tip 2: Make a list of all your expenses and try to reduce it by 30%

Tip 3: Progress your career and ask for a pay rise, or find a better-paid job

Tip 4: If you can, get a 2nd job and save all the money you make in a savings account

Tip 5: Repair and improve your credit so you can borrow money cheaply

Tip 6: If you can, you should downsize to pay less in rent

Tip 7: Look for ways to supplement your income online e.g. blogging

Tip 8: See if you can get a scholarship or grant to study or learn a skill to get a better job

Tip 9: Cook your food from scratch and embrace batch cooking

Tip 10: Don't take out more debt until you have a beefy emergency fund

Repair Your Credit

If you have really bad credit you should repair it.

You never know when you'll need to borrow money or you might want to take out a mortgage in the future so having good credit will give you a head start.

This is really important...

Here are 10 tips below to improve your credit. I have used these tips to take my credit score from poor to excellent over a period of 9 months. 

Now I have access to loans, credit cards, and mortgages with low-interest rates. By fixing your credit now you could save thousands in the future.

Tip 1: Set up an automatic payment to credit cards and loans to avoid missed payments

Tip 2: Don't take out more credit. Only apply for one product every 6 months

Tip 3: Never exceed your credit limit by more than 30%

Tip 4: Call your credit card company to ask for a credit limit increase every 6 months

Tip 5: if you have defaults you must dispute them to get them removed

Tip 6: If your credit default is more than 6 years ask to have this stricken from the report

Tip 7: Register one permanent address with all credit cards, loans, and bank accounts

Tip 8: Pay more than 10% of the minimum payment every month

Tip 9: Pay 1 week before the minimum payment due date

Tip 10: Check your credit report regularly to see the progress you are making

I Need a Personal Loan But Have Really Bad Credit

Given your circumstances, I would recommend Better Loans Mutual. You can click the image above to apply. The application process in 3 minutes and if approved the money could be in your account in 24 hours.

Going forward you should put the 10 tips for improving your personal finance into practice. I guarantee your circumstances will be better in 12 months if you take action.

You should also prioritize fixing your credit. You never know you'll need additional credit so you might as well fix your credit score now.

Other Frequently Asked Questions

Here are more frequently asked questions by people who are looking for loans with bad credit. You might find this useful...

Q1: What are loans for bad credit with direct lenders?

This is when you take out a loan from a lender direct. There are no middlemen and no brokers referring you to multiple lenders.

Q2: What are loans for bad credit no guarantor?

This is when you take out a bad credit loan without a cosigner. Some loans can be cosigned with someone who has better credit. If the borrower can't repay the loan the guarantor must make the payments.

Q3: Are there bad credit loans with no credit check?

Bad credit loans with no credit checks are rare. If they do exist they charge very high interest. Sometimes car title loans and secured loans can be obtained without a credit check.

Q4: Can I get bad credit loans online with instant decisions?

This is very unlikely. Every creditor will want to check your credit score before the approve the application.

Q5: Where can I get loans for people with bad credit with instant decision no fees?

No legitimate lender can offer a bad credit loan with an instant decision with no fees. 

A responsible lender must take into consdiration all the factors before they make a decision.

Need a Loan Today But Have Bad Credit! Please Help I Need Money Desperately

I Need a Loan Today But Have Bad Credit

I got an interesting email from a 24-year-old woman who needed a loan today but had bad credit...

Reader Question

Recently my vehicle broke down and I need a loan to fix the car. I need a loan today but have bad credit. I don't know what to do.

I checked my Fico Credit Score and my credit was poor. I have already been refused by the bank and I'm not sure what do? So my question is I need a loan today but have bad credit, what are my options? 

I am on a very tight budget so I need a low-interest loan with bad credit, where can I get this? My mom has good credit, is there any way she can help? Please help, I need some quick ideas.

My Response

Hello and thank you for emailing me with your question.

I'm sorry to hear about your vehicle.

If you have a poor credit score you can still take out a personal loan for people with bad credit but it will be expensive.

In this response, I will be giving you 10 ways to borrow money either today or in 24 hours.

To begin with, I will answer some of the questions you have asked and will also offer tips to improve your credit score.

In the long run, I would recommend you improve and repair your credit so you can borrow money for less.

Reader Questions:

Question 1: I Need a loan today but have bad credit, what are my options?

If you need a loan today you could take out a payday loan or an installment loan. These loans are high-interest so it will be expensive. 

I think it would be better to wait 24 hours so you can get a better loan at a lower cost. There are plenty of options for bad credit loans.

Question 2: I Need a low-interest loan with bad credit, where can I get this?

Unfortunately, if you have bad credit you will be charged high-interest. You can overcome this problem by getting a secured loan or having your loan cosigned. 

This two options will reduce your interest rate charged.

Question 3: My mom has good credit, is there any way she can help?

Your mom could cosign your loan which means you will be charged less interest because the risk is reduced. 

If you fail to make your payments your mom will have to step in so be careful and make sure you can afford the loan.

Need a Loan Today But Have Bad Credit Quick Ideas

Here are some quick ideas you wanted. To read more about these bad credit loans for people with bad credit check out the following post for more details on loans for bad credit with direct lenders, loans for bad credit with no guarantor and unsecured loans with bad credit.


Here are the QUICK ideas...


Idea 1: Zero-percent interest direct deposit from a credit card

Idea 2: Zero-percent cash advance from a credit card

Idea 3: Zero-percent credit purchases from a credit card

Idea 4: Installment loans for people with bad credit

Idea 5: Car title loan for people with bad credit

Idea 6: Cosigner loan for people with bad credit

Idea 7: Borrow from friends and family

Idea 8: Restructure your mortgage at a lower rate and borrow more money

Idea 9: Take out a secured loan by using collateral

Idea 10: Pawn valuable that you may have

Credit Repair/ Improvement for People With Bad Credit

You must improve your credit if you want to borrow money for less.

You must also establish an emergency fund so you can avoid borrowing money when you have these emergencies.

Here are 10 tips to repair and improve your credit score. I was able to take my credit score from poor to excellent using these tips.

Tip 1: Create automatic monthly payment to your credit cards so you never miss payment

Tip 2: Make sure all the information on your credit file is accurate and up-to-date

Tip 3: Register one permanent address across all bank accounts and credit cards

Tip 4: Ask all credit card companies to increase your credit limit every 6 months

Tip 5: Pay 10% more than the minimum payment every month

Tip 6: Pay your bill 1 week in advance every month

Tip 7: Never use more than 30% of your credit limit

Tip 8: Make one credit application every 6 months if you have an 80% chance of success

Tip 9: Never apply for credit in joint names and remove all bad financial disassociation

Tip 10: Ask to be put as an additional signatory on a credit card account with someone who has excellent credit

Need a Loan Today But Have Bad Credit

Unfortunately, there are no such things as bad credit loans online with instant decisions where you get the money immediately. You will have to submit an application and wait for it to be approved, it normally takes 24 hours for the money to be in your account.

Also, there if you want to consider bad credit loans with no credit check you will have to go down the cosigner loans and car title loans option.

Unsecured loans with bad credit will have very high-interest which is why it's important to repair and improve your credit with the 10 tips given above, they really do work.

My Recommendation - Better loans Mutual

Given your personal circumstance, I would recommend an installment loan or a cosigner loan.

For the cosigner loan, your mom could be a cosigner, as mentioned earlier make sure you can afford the loan otherwise your mom will have to make your payments.

You can also apply for an installment loan from Better Loans Mutual by clicking the image on the left. This is the only loan broker I recommend because they have a panel of over 100 lenders who are competing to give you the cheapest loan.

You can borrow anything between 500 to 5000 dollars and you can choose how long you need to pay the loan off. It takes 3 minutes to submit the application online and you get a decision in 12 hours and the money in your account in 24 hours. 

To apply you have to be over the age of 18 and in full-time employment for over 6 months earning 1000 dollars per month after taxes. You must be a U.S. Citizen.

You can apply by clicking the image above...

Where Can I Get 1000 Dollar Loan With Bad Credit? - I am Desperate Need Help

Where can I Get a 1000 Dollar Loan With Bad Credit?

21-year-old Steve emailed me with the following question...

Reader Question

I'm after a $1000 personal loan. Where can I get a 1000 dollar loan with bad credit? I recently checked my Experian credit score and had poor credit. I doubt I'll be able to get a loan from the banks because of my bad credit and was looking for alternative ways to borrow 1000 dollars quickly.

Is there any way I can get a 1000 dollar loan guaranteed? Also is there any way to get 1000 dollar loan with low interest?  

My Answer

Hi, Steve and thanks for asking the question. 

With bad credit, you will be able to get a 1000 dollar loan however the interest will be very high. 

In this post, I will be sharing 10 ways you can get 1000 dollar loan with bad credit. 

Before I do this I wanted to answer the questions you asked in your email and offer some advice on repairing your credit score quickly.

Reader Questions

Q1: Where Can I Get a Loan With Bad Credit?

There are plenty of ways to get a loan with bad credit. You will need to be employed and over the age of 18. You will need to be employed for over 6 months to be seriously considered for a loan and you must be a US Citizen. 

Normally to be considered for a bad credit loan you must earn at least 1000 dollars a month after tax. One of the best places to get a 1000 dollar loan is Better Loans Mutual. You can submit your details in 3 minutes and get an answer in 24 hours and have the money in your account the next day. If you want to apply for this click the image below.

Q2: Is There a Way I Can Get a Loan Guaranteed?

To get a loan guaranteed regardless of your credit score you will need a cosigner to sign the loan. When a cosigner signs they are legally bound to pay off the loan if you default on the loan payments. 

The cosigner must have a good credit in order to sign the loan.

Q3: Is There a Way to Get a 1000 Dollar Loan with Low-Interest?

If you want to get a 1000 dollar loan with low-interest you will either need a cosigner or you will have to put a security against the loan. 

Both of these options will reduce the interest but it will still be pretty high. It's better to work on your credit score to get into the good credit bracket so you can apply for loans with lower interest.

Where Can I Get 1000 Dollar Loan with Bad Credit?

One: Direct Deposit 1000 Dollars from Credit Card

Some credit cards offer direct deposit to your bank account. 

Call up all your credit card companies and ask them if they can deposit 1000 dollars in your bank account. Also, ask if there are any promotions at the moment.

I remember I was able to get 2000 dollars for zero percent interest with a 2% transfer charge over 12 months. This means I only paid $40 for the direct deposit so long as I paid the direct deposit within 12 months.

Two: Spend 1000 Dollars on Your Credit Card

If you need the 1000 dollar loan to make a purchase you can use your credit card as an option.

Again, call your credit card companies up and ask them if they have any special deals on purchases. Explain that you want to spend some money on your credit card and you want the best deal possible.

I did this and was able to get zero percent interest for 6 months on credit purchases. 


Three: Apply for a Bad Credit Loan for 1000 Dollars

The only Bad Credit Loan broker I recommend is Better Loans Mutual as mentioned above.

Better Loans Mutual have a panel of over 100 lenders who will compete to give you the best deal. You can borrow between 1000 and 5000 dollars and it only takes 5 minutes the apply.

You must be over 18 and employed with at least 1000 dollars earned per month after tax. You also need to be a US Citizen. You can apply by clicking the image below.

Four: Secured Installment Loan for 1000 Dollars

Installment loans allow you more time to pay off your loan. They are becoming very popular and people with bad credit are welcome.

You can apply for a 1000 dollar installment loan through Better Loans Mutual above.

Five: Payday Loans for 1000 Dollars

I don't want to recommend Payday loans because they have very high interest rates and not all of them offer 1000 dollar loans.

If you are running out of options then this is something to consider. These loans need to be paid back on payday or within 3 months and have interest over 400% so it's very expensive.

Six: Cash Advance from Credit Card

Another way to use a credit card to get a loan is to use the cash advance facility they offer.

This is a very expensive option. One trick you can use is to ask for a zero percent cash advance by calling your credit card company and making a speculative request. 

Many borrowers have used this strategy with success.

Seven: Get a Better Mortgage Deal

If you're on a high-interest mortgage you should consider switching and getting a better deal.

If you can shave 1 percent off your mortgage you could be saving hundreds ever month. If you have equity in your property when your switch you could borrow an extra 1000 dollars on your mortgage and pay less than what you were initially paying.

Eight: Apply for a Cosigner Loan for 1000 Dollars

If you know someone who has good credit you could ask them to become a cosigner on a loan. This would increase your chances of getting a loan with bad credit.

Make sure you can afford the loan otherwise the cosigner will have to pay if you default on the monthly payments. 

Nine: Get a Secured Car Title Loan

You can use your car as collateral to get a secured car title loan. With a car title loan, your credit will not affect the decision.

Make sure you shop around for a good rate as you are putting up security for the loan.

Ten: Borrow From Friends and Family 

The best way to borrow is by asking your friends and family.

If they trust you they will lend you the money without charging interest. You could also get away with paying a small percentage.

To formalize the deal you could use a loan contract template and put up security and pay a small percentage of interest. You should also create a payment schedule and stick to it.

Improve Your Credit Score for Cheaper Loans

If you don't need the 1000 dollar loan immediately you should use your time to fix your credit score. Here are 10 quick ways to go from Poor Credit to Good Credit. I personally used these tips to increase my Experian Credit Score from poor to excellent.

Tip 1: Check if all the information is current on your credit file

Tip 2: Register to Vote and have the same permanent address for all credit cards and banks

Tip 3: Set up an automatic payment for all credit cards so you never miss a payment

Tip 4: Call every credit card company and ask for an increase in credit

Tip 5: Never spend more than 30% of your credit limit

Tip 6: Pay 10% more of your minimum payment every month

Tip 7: Pay a week before the payment is due

Tip 8: Dispute any old defaults and ask to have them removed

Tip 9: Remove all financial associations with people with bad credit

Tip 10: Don't apply for credit all the time

Where Can I Get a Loan With Bad Credit?

There are plenty of options to get a loan when you have bad credit.

If you do take out a 1000 dollar bad credit loan you will have to pay high-interest.

To lower the interest consider taking out a secured loan or a cosigner loan. 

To get the lowest interest rate loans you must improve and repair your credit score over the long-run.