Are you struggling with a low FICO® score? Having A low credit score feels like a brick wall standing in the way of so many things: home financing, car loans, credit cards, and more. Even with a low FICO® score, you still need to finance big purchases!
Check out these companies that offer great loan options no matter what your credit report says:
1. One Of Their Lenders May Let You Borrow $5,000 This Week, If Approved
Finding the right personal loan and getting approved can take months. Who has months to wait for a loan? That’s why Even, the leading search, comparison, and recommendation engine for financial services, created “Fiona.”
Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds so that you can get instantly matched with the right personalized recommendation all in one place. You can borrow as little as $1,000 and as much as $100,000, with loan terms of up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply. Credit card debt can get out of hand fast, but you don’t have to continue paying those outrageous interest rates.
2. Consolidate Your Debt Regardless Of Your Credit History
Founded in 1999, AmOne has grown to become one of the nation’s largest financial assistance companies for people with fair to bad credit. AmOne advisors will help you understand your current financial situation and tailor a solution that best fits you, not line the pockets of “fat cat” lenders. AmOne advisors can also assist you in applying for a loan, up to $50,000, to get you back on track.
If you have been turned down for loans before, don’t worry. AmOne advisors have seen it all. They can assist you in getting the right solution tailored to your needs even if your FICO Score is in the 495-595 range. APR’s will vary based on your individual needs, but they can start at as low as 3.99% APR.
3. Get The Auto Loan You Deserve
If you bought a new car, truck, or SUV in the past 24 months, you’ve probably paid too much. The stay-at-home orders caused a massive “glut” in the car market. Dealers need to liquidate their inventories asap. Some auto manufacturers are even offering 0% APR for 7 years to qualified buyers.
Fiona, from Even Financial, is a great solution for your auto loan needs! You can search for the perfect loan to get you into the new car, truck, or suv payment you can afford. They could even get you approved for financing with a FICO Score below 550.
4. This Loan Service Doesn’t Care About Your Credit Score
Having less than perfect credit doesn’t mean lenders shouldn’t be able to work with you. That’s why they created Monevo. Monevo has grown to become one of the nation’s largest loan marketplaces for people with past credit issues. Monevo allows you to borrow up to $40,000 in as little as 24 hrs. By completing a short form, lenders can quickly review your information and see if you qualify for a loan. This free service will not affect your credit score.
Monevo has a large marketplace of lenders that understand you’re more than just your credit score. If you have been turned down for loans before, don’t worry. LFBC’s marketplace of lenders has seen it all. They’ll do their best to connect you with a solution that meets your needs even if your FICO Score is below 575. APRs will vary based on your individual needs, but they can start as low as 3.99% APR based on your creditworthiness.
5. Download This App To Boost Your FICO® Score
Register for Experian Boost™ and watch your FICO® score take off. Experian Boost™ is a free app by one of the largest credit reporting agencies on the planet.
All you have to do is sign up and verify that you have been paying your bills on time (cell phone bill, streaming services like Netflix, cable bill, or other utilities), and you could get an INSTANT credit score boost. Plus, it’s FREE! There’s no easier way to improve your credit. On average, users see a 13-point increase in their FICO® Score 8, which is based on Experian data.
Registering for Experian Boost is easy. Just connect the bank account(s) you use to pay your bills. Choose and verify the positive payment data you want to be added to your Experian credit file, and viola, receive an updated FICO score. Results will vary, see Experian’s™ website for full details.
1. This Company Could Pay You $150.00/Month To Take Surveys
You may not feel very useful as you scroll your way into the depths of the internet, but your data is actually worth A TON of money to corporate goons.
So, why not take a piece back? With Swagbucks, you can. They give out over 7,000 gift cards a day to customers for Amazon, Walmart, Target, and more just for surfing the web and watching videos. Or, you can have cash sent straight to your PayPal account. Swagbucks is 100% FREE to join!
It’s easy to make an extra dollar in one day, by watching a few videos. That translates to some serious extra cash in your pocket each month.
A Swagbucks user in Pennsylvania, 52-year-old Carolinda Hendrickson, earned $1,200 in a year.
2. Collect Your $5.00 In Amazon Stock
Everyone shops on Amazon! So, owning stock in one of the largest corporations in the world could be an excellent long-term investment, right? Stash is an app that allows you to start investing* in the stock market with just $1. By purchasing fractional shares in any public company like Amazon, Netflix, Ford, Apple, Kroger, or Walmart, anyone can afford to build real wealth at a price they can afford.
You can build a diversified portfolio with very little money. A Stash Invest account allows you to invest with as little as $0.05 (nickel). When you open a Stash Invest account and deposit at least $5, Stash will give you a bonus of $5 to invest.
As you can see, your low FICO® Score doesn’t prevent you from taking advantage of some of the most helpful and supportive services available. All of these companies accept a range of scores, and a few of them are specifically designed to help people with bad credit.