If you are in need of some fast cash, we may be able to help. Even with bad credit, one of the lenders in our loan network may be able to make you an offer. In any case, it is free to find out and only takes about two minutes of your time. Why not get your offer?

Money coming out of a phone from a payday loan.

Duncanville, You Have Choices

You might not realize it but, even with bad credit, you have loan choices. We will stick with the two main choices, the payday loan and the installment loan.

Payday Loans Are Easy

Payday loans are the easiest loans to get. If you have a source of income and a checking account, you are already half way there. Just because they are easy though does not mean that they are the right loan for you. Let’s learn a bit about them.

Just as the name applies, payday loans are loans that are intended to be paid back on your next payday. They are typically due in just ten to fourteen days from inception and are also usually in small amounts up to $1000.

Payday loans have a number of advantages over traditional lending. For starters, they are easy to qualify for. In most cases, an applicant needs only a job and a checking account. Good credit scores are not required. In addition, these loans do not take extensive paperwork. Complete a short form and you can get your approval. Finally, these loans fund very quickly which is important in an emergency. Most loans will fund on the next business day.

In addition to the advantages, one must also consider the disadvantages of payday loans. The short term can be a negative because it does not give you a lot of time to get your finances in order. In addition, because these loans are high risk, they come with high fees. You should always thoroughly review your loan docs before committing to a payday loan so that you know about all of the fees involved.

Installment Loans May Be Better

You might think that an installment loan is out of reach with bad credit but that is not necessarily true. In fact, we can help you get a free offer on one with the short loan form at the top of the page.

The benefit to this type of loan is that you have more time to pay it back and the payments are generally smaller. This makes them easier to handle when facing a money problem in Duncanville.

In addition, if needed, you can borrow more money with an installment loan. Borrow only what you need, but the option to take out several thousand dollars over just several hundred is a good one.

Do keep in mind that a bad credit loan is a bad credit loan. While the APR on an install loan will be less than that of a payday loan, it will still be expensive. These types of loans should be used to deal with money emergencies and that is it.

Common Loan Questions

  • Do I need to go somewhere to apply?
    No, you can simply apply for a loan online. This is the easiest and fastest way to get your money. Apply online and if approved and you accept the loan, your lender can deposit the money right into your checking account. This can happen as soon as the next business day.
  • Can I qualify with bad credit?
    Yes, even with bad credit, you can typically qualify for an installment loan. You just need a job and a checking account to get started. It is free to find out and you are under no obligation when you get an online quote.
  • Why do I need a checking account?
    Your lender will deposit your money directly into your checking account and they will withdraw the repayment from the same account on the due date.
  • Can I get my money on the weekend?
    No, your lender can only deposit on bank business days.
  • What is the most I can borrow?
    With our network, you can request up to $50,000. That does not mean that you will be approved for that amount. It is best to borrow only what you need and nothing more.
How to get money in Duncanville.
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Summary

If you need to get money in a hurry, this article can help you out. See your sources of money that are available to you and get help deciding if a loan is right for you. If you are on the fence about taking out a loan in Duncanville, read this first.