#2. Bad Credit Loans – Top Online Payday Lenders Of Emergency Loans For Bad Credit

Making a loan request with MoneyMutual is only a few easy steps. Their application process takes a few minutes at most. To use their marketplace you must be over 18 years old, hold an active bank account, and must be able to prove that you make at least $800 a month so you can properly pay back the loan that you are going to take out. After this short form, their algorithm will match you up with lenders who will provide for your needs.

MoneyMutual is perfect for the customer who is looking for a decently sized loan. You can loan up to $5000 with them, and you can have it fast. Their tagline is “At The Speed of Life” for a reason. It only takes a few hours for an emergency to swing into your lane and need a large sum of money. And it only takes one day for you to receive your loan in your bank account.

Your loan can be transferred in less than a day once you accept it. That’s right. Only 24 hours and your financial help is right there, waiting for you in your bank account.


  • Up to $5,000 in student loans for bad credit history holders
  • Does not charge for pairing you up with online lenders
  • Loan Funds will be there within 24 hours
  • Over 60 reliable, credible online lenders to choose from
  • Loan Approval is very simple, don’t worry about your credit history


  • Need a monthly income of $800 to use their service
  • Lower loan maximum than some competitors


BadCreditLoans takes the second place on our list because they are top of the market when it comes to customers looking for some fast money. It does not matter why you are in the market looking for loans. It could be to consolidate debt, refinancing your credit card, getting repairs done on your car, a medical emergency, it doesn’t matter. There are many reasons to take out a loan, and all of them are covered by BadCreditLoans.

You can read the company’s name and you know exactly who they are batting for. They have provided loans for some customers who recently filed for bankruptcy, which is a generous service to provide for some customers. For people in a financial spot that means they cannot even match with their lenders, BadCreditLoans even offers some educational resources that you can use to keep yourself at the top of your financial game and make the best decisions possible.


BadCreditLoans offers a lot of flexibility in the loan that you want to request. You can request anywhere from $500 to $10,000, making their service perfect for the bigger emergencies that you will have to deal with. They offer flexible repayment terms, which means you can make monthly payment for up to 36 months and return that money back. Their bad credit loan rates of interest go from 5.99% to % Annual Percentage Rate, which lets you know you are in good hands.

With a few easy steps, their platform can line you up with your moneylender. In your request form, you state how much the payday loan you want to take out is and why. Then you provide a proof of your citizenship, your name and address, and your bank information, and you’re good to https://paydayloansohio.net/cities/dublin/ go.

BadCreditLoans is in the business of giving second chances. Their options are extensive and forgiving, and if you cannot match with any of their online lenders, they even offer you remedial services so you can help yourself. They are a great company that deserves the number two spot.