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Finding emergency cash to cover short-term expenses for bad credit borrowers can take time and effort. However, rest assured that there are plenty of available quick loans for bad credit and alternative payday loans offered by legit online marketplaces like ZippyLoan and LifeLoans with favorable APRs, rates, and terms.

What’s more, these easy personal loans for bad credit offer same-day approval and funding to your checking account in as little as one business day. Forget about predatory terms offered by traditional payday loans and opt for <35.99% APRs, longer repayment terms, and no origination or prepayment penalties that can break the bank.

Keep reading our guide to learn more about the best quick loans for bad credit, including our top recommended marketplaces, how to apply for quick loans, tips on improving your credit score, and a word on alternative bad credit personal loan options like cash advance apps, POS financing (Buy Now, Pay Later), and payday alternative loans from reputable credit unions.

Best Quick Loans for Bad Credit 2023

Upstart – 4.9/5.0 – Best Overall

ZippyLoans – 4.8/5.0 – Best for Payday Alternative Loans

PersonalLoans – 4.8/5.0 – Best for Same Day Funding

LifeLoans – 4.7/5.0 – Best for Poor and Fair Credit

NextDayPersonalLoans – 4.6/5.0 – Best for Personal Loans with Low Credit

MarketLoans – 4.6/5.0 – Best Website

Upstart

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