Your credit score doesn't define you — get the funding you need regardless of your credit history
Fast approval, funds within 24 hours
Bad credit loans are personal loans designed specifically for borrowers who have less-than-perfect credit scores. If you've been turned down by traditional banks or other lenders because of your credit history, these loans offer an alternative path to getting the funds you need.
At NeptuneLoan, we connect you with lenders who specialize in working with borrowers across all credit situations. Whether your score is low due to past financial difficulties, missed payments, bankruptcy, or simply because you haven't had time to build credit yet — our lender partners are ready to consider your application.
The key difference? Our lenders look beyond the number. They assess your current financial situation, income, employment status, and ability to repay — not just what happened in the past.
Traditional banks and many online lenders rely heavily on credit scores to make lending decisions. If your score falls below their threshold — often around 640-670 — your application gets automatically rejected, no matter what your current situation looks like.
Common reasons for having a low credit score include:
The good news? These past events don't have to dictate your future. Many of our lender partners understand that life happens, and they're willing to give you a second chance based on where you are today — not where you were years ago.
Applying for a bad credit loan through NeptuneLoan is simple. Fill out our online form — it takes about 2 minutes — and we'll match you with lenders who are most likely to approve your request. You'll receive a decision in minutes, not days.
Instead of relying solely on your credit score, our lenders evaluate your complete financial picture. They'll look at your current income, employment stability, monthly expenses, and whether you can reasonably afford the loan payments. If the numbers work, there's a good chance you'll get approved.
Once approved, you'll review the loan terms — amount, interest rate, repayment schedule, and total cost. Everything is transparent, so you know exactly what you're agreeing to. Sign the contract, and funds are typically deposited into your bank account within 24 hours.
Yes! One of the best things about bad credit loans is that they can actually help you rebuild your credit over time. Here's how it works:
Even with bad credit, our lenders may approve you based on your current income
Each payment you make on time gets reported to credit bureaus
Consistent payments build positive credit history and boost your score
It's a win-win: you get the money you need now, and you improve your financial future at the same time. Just make sure to borrow responsibly and only take out what you can comfortably repay.
While credit requirements are relaxed, you'll still need to meet some basic eligibility criteria:
Our network specializes in working with borrowers who have credit challenges
We don't discriminate — everyone deserves a fair chance at financial help
Apply in 2 minutes, get a decision in minutes, funds within 24 hours
On-time payments can help improve your credit score over time
Your past doesn't have to hold you back. Use the loan selector above to choose your amount and check your rate — it takes just 2 minutes and won't affect your credit score. Our lenders are standing by to review your application based on your current situation, not your credit history.
There's no obligation to accept any offer. See what bad credit loan options are available to you today.
Disclosure: NeptuneLoan is not a lender. We are a loan matching service that connects borrowers with independent third-party lenders. Loan approval, terms, and funding are determined solely by the lender. APR ranges from 5.99% to 35.99%. Actual rates depend on the lender and your creditworthiness.