Don't worry - you don’t have to have a perfect credit score to get a loan! At Loan Ridge, we make it easy for you to get approved for a bad credit loan in just a few simple clicks. Within minutes, you can borrow up to $2000 - even with bad credit. Our goal is to help you build a stable financial future for yourself and your family! We can help you free yourself from the constraints that come with bad credit. No matter what you need a loan for, the team at Loan Ridge is here to support you.
Need a personal loan, student loan, or a new car? A bad credit score shouldn’t stop you. At Loan Ridge, we are a direct lender who helps you obtain the money you need – fast. And, by paying on time, you’ll be well on your way to rebuilding your credit.
Our quick, easy application makes it simple to get started towards more financial freedom!
Fast online application
Funds are deposited directly into your account
Simple installment payments for up to 6 months
Fast approval times
Less paperwork
High approval rate
Can a Bad Credit Loan Help Build Credit?
Loan Ridge reports payment information to the applicable credit bureaus. Making your payments on time may help establish or strengthen your credit history, although we cannot guarantee a specific change to your credit score.
Your credit score is affected by several factors, so the most important thing you can do after receiving a loan is make your payments according to the terms of your agreement.
Types of Loans
The type of loan you obtain depends on your needs and financial situation. You can decide between a secured and an unsecured loan. So, what’s the difference?
Secured Personal Loan – Sometimes, it can be difficult for individuals to qualify for a loan solely based on their credit histories. A secured loan requires you to add an asset as collateral, which acts as an added security for the lender in case of a default. As such, the collateral will increase your chances of approval, and you are more likely to receive a better rate.
Unsecured Personal Loan – An unsecured loan is simply a loan that you repay over time in installments. However, because this loan is not secured with an asset, it may be more difficult to obtain.
Our smooth loan application process makes it easy for you to obtain a bad credit loan in a matter of hours. We’re dedicated to helping consumers achieve their financial goals, whether they are business or personal.
Apply for a Bad Credit Loan Today
If you're looking for an instant unsecured loan, then Loan Ridge is the right choice for you. Apply for your bad credit loan in 3 easy steps.
1
Fill Out Our Easy Online Application
Getting started is quick and easy! Just fill out our online application.
2
Sign Your Contract With One Click
Once you're approved, we’ll send you an email right away. Just add your digital signature, and you're good to go!
3
Get the Funds Directly In Your Account
As soon as we get your signed contract, we’ll process everything and send the money straight to your bank account.
Why Choose Us For Your Bad Credit Loan
85% of Applications are Approved
With a high approval rate and a commitment to your financial goals, we make getting a loan simple and stress-free.
Get Money Deposited into your Bank Account
Our quick, hassle-free process means funds are deposited straight into your account once you're approved!
Improve Your Credit Score
By making regular payments on your loan, you can boost your credit score and take control of your financial future.
Our Loan Services
Our mission is to help consumers achieve financial stability by providing easy installment loans with affordable payment plans.
Unsecured Loans
Unsecured loans of up to $2,000, with no car or home used as collateral.
Bad Credit Loans
Free yourself from bad credit. Apply for a bad credit loan today!
Cash Loans
Need cash fast? No problem. Just fill out your easy online application.
Installment Loans
Repay in fixed monthly installments over a set term.
Personal Loans
Personal loans when you need them most. Apply in just a few clicks.
No Credit Loans
Don't have credit yet, or new to the United States? See what a no credit check loan involves.
I cannot say enough good things about Loan Ridge! From my experience, they have been absolutely wonderful to work with. They are super sweet, understanding, professional, and genuinely willing to work with you. It is such a relief to deal with a company that treats you like a person instead of just another account number.
One of the things I appreciate most about Loan Ridge is how easy and convenient they make everything. If I ever need to skip a payment or have a question about my account, I can simply send them an email. They are very accommodating and make the process so easy without having to spend time sitting on the phone or dealing with a complicated process. Being able to handle everything through email is a huge plus for me!
I also appreciate that after making several on-time payments, I can reach out to ask about borrowing a little more money. They are easy to communicate with, and I love being able to email them and discuss my needs. Having a company that is willing to listen, communicate, and work with its customers makes such a difference.
Life happens, and sometimes unexpected expenses come up. It means a lot to have a company that understands that things are not always perfect and is willing to work with you when you need a little flexibility. I truly appreciate the kindness and consideration they have shown me.
Customer service can make or break a business, and Loan Ridge has made my experience a positive one. They are friendly, responsive, helpful, and easy to work with. I never feel like I am being treated poorly for asking a question or explaining my situation. That kind of customer service is hard to find these days!
If you are looking for a loan company that is easy to communicate with and has a team that treats you with kindness and respect, I would definitely recommend giving Loan Ridge a look. I am grateful for how they have worked with me, and I hope they continue providing the same wonderful customer service to others.
Thank you, Loan Ridge, for being so sweet, understanding, and accommodating. You have definitely earned my five-star review!
Alex Ramos 2 weeks ago
★★★★★
Very polite and respectful and helpful!!
Chris Salazar 2 weeks ago
★★★★★
Very helpful
Crystal Jones 2 weeks ago
★★★★★
Erica was amazing and had the upmost hospitality and she made this experience smooth sailing
Marcus Grisby 2 weeks ago
★★★★★
I was really searching for a little help and Karin from ridge helped me when I needed it! Thanks karin!
Susan Freeman 2 weeks ago
★★★★★
Very responsive to questions
leonardo benavides 3 weeks ago
★★★★★
I was having trouble with the app but once I called the number Erica was there to help, she made it easy to get the app done and money was in my account fast....
undria ned 4 weeks ago
★★★★★
Sandra Newman was extremely helpful and provided answers quickly.
Daveon Jenkins 1 month ago
★★★★★
Sandra was a BIG help!!!! She made the whole process so smooth and easy!!!! 10/10 highly recommend!!!!
Bently Ralston 1 month ago
★★★★★
Fast! Easy! Super convenient! Thank you!!
Ju-Laun “Juice” Jackson 1 month ago
★★★★★
It was a very quick easy process....got funded the same day. The representative that assisted me was very pleasant. ..her smile came through the phone. She explained everything to me very well.this was an enjoyable experience when you need emergency cash.
Robyn Thompson 1 month ago
★★★★★
I love working with Sandra. I don’t have to do much. She makes it easy to get the funds that I need when I’m in a bind .. thank you for all you all do. She’s a great Associate.
Estela Rodriguez 1 month ago
★★★★★
Everything was fast & easy! Erica was great and answered all my questions & concerns!
Dee Gunter 1 month ago
★★★★★
Very pleasant easy to speak with
Carmalie Sims 2 months ago
★★★★★
Very knowledgeable and courteous
Chad Meis 2 months ago
★★★★★
Sandra is awesome! A pleasure to speak with. Very knowledgeable, professional and a great attitude. Thank you, Sandra and Loan Ridge!!
Ray Rodriguez 2 months ago
★★★★★
Process was smooth and very communicative. Excellent service.
Patricia Bustamante 2 months ago
★★★★★
She is always willing to help and puts you first . She is very kind and I appreciate that very much
Maria Campos 2 months ago
★★★★★
She was awesome she helped me along the process
Gwendolyn Tolliver 2 months ago
★★★★★
My 5 stars is for the outstanding customer service and literally fast process Shout out to Karin!!
Lisa Brown 2 months ago
★★★★★
They are so easy to work with a respond promptly.
David Matthews 2 months ago
★★★★★
Sandra Newman was wonderful. Nicest ladies I have EVER meet working a customer service number. over all experience was very fast and the instant funding really helps. YES!! INSTANT FUNDING. Not like most companies that say that and you wait a day This company had it in 5 mins. They have a new customer now. And people like Sandra will make me continue to come back.
Serving Borrowers Across the Lone Star State Whether you are in the Panhandle, the Gulf Coast, or the DFW metroplex, Loan Ridge is your local credit access business. Our digital platform allows us to fund loans instantly throughout Texas, adhering to all OCCC regulations. We are proud to serve the entire state, with a strong presence in major hubs such as:
Houston
San Antonio
Dallas
Austin
Fort Worth
El Paso
Arlington
Corpus Christi
Plano
Lubbock
Laredo
Irving
Garland
Frisco
McKinney
Our Service Area in Utah
Financial Solutions for All of Utah Loan Ridge is committed to helping Utahns from Logan to St. George. As a state-licensed lender, we offer secure, transparent loans accessible from your computer or smartphone, no matter where you live. While we cover every corner of the Beehive State, we frequently serve customers in these key communities:
Salt Lake City
West Valley City
West Jordan
Provo
St. George
Orem
Sandy
Ogden
Layton
South Jordan
Lehi
Millcreek
Taylorsville
Herriman
Logan
Our Service Area in Missouri
Proudly Serving All of Missouri Loan Ridge provides accessible financial solutions to residents across the entire state of Missouri. From the busy streets of Kansas City to the quiet neighborhoods of the Ozarks, our fully online process means you can apply from anywhere. While we serve every zip code in the state, our most frequent borrowers come from Missouri’s largest communities, including:
Kansas City
St. Louis
Springfield
Columbia
Independence
Lee’s Summit
O’Fallon
St. Joseph
St. Charles
St. Peters
Blue Springs
Joplin
Florissant
Chesterfield
Wentzville
Contact Us
Free yourself from bad credit. Apply for a loan today!
Loan amounts up to $2,000. Rates, fees and terms vary by lender and by state, and are disclosed to you in writing before you accept any loan. Loan Ridge does not guarantee approval. Loan Ridge lends only to residents of Texas, Missouri and Utah.
The use of loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.
Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited for delivery for the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction.
Loan Ridge may use credit report information provided as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your credit report and therefore they will not affect your FICO score.
Loan Ridge reports customer payment history to the three major credit bureaus. On-time payments may improve credit score.
USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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