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ADVERTISING DISCLOSURE:
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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Best Credit Cards and Personal Loans for Bad Credit from Our Partners
Sometimes unexpected things happen in life and you get in over your head. Whatever the reason for your bad credit history, the first step toward repairing it is applying for a card made especially for your situation and then, if approved, making timely payments and keeping account balances low relative to the credit limit with all your creditors.
- Cards of January 2022
- Unsecured Cards
- Secured Cards
- Personal Loans
our choice
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Response in 60 sec
Yes
Credit Pull
See Issuer Website
- PREMIER Bankcard credit cards are for building credit.**
- We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
- We report to the major consumer reporting agencies every month, so you get credit for managing your account.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
our choice
our choice
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Response in 60 sec
Yes
Credit Pull
See Issuer Website
- PREMIER Bankcard credit cards are for building credit.**
- We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
- We report to the major consumer reporting agencies every month, so you get credit for managing your account.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
our choice
our choice
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Minimum Income Required
$1,000
Minimum Age of a Borrower
18
Instant Response
Yes
- Borrow From $100 to $40,000
- Fast Decision - Within 2 Minutes
- All Credit Types Welcome
our choice
our choice
- No Monthly Fees
- Fee-free Overdraft up to $200 with SpotMe*
- Grow your savings automatically with our Savings Account
- Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Response in 60 sec
Yes
Credit Pull
Soft Pull
- Bad Credit, Low Score? No Problem!
- Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
- Build your Credit with responsible handling of your account
- Receive a $750 Credit Line
- Easy Application with Immediate Results
- No Credit Check
our choice
our choice
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
- Loan decisions in 2 minutes.
- All credit types considered.
- Large lender marketplace.
- See if you qualify today.
- Not available to residents of CT, NH, WA, and VT.
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
See terms
Annual Fee
$0
Response in 60 sec
Yes
Credit Pull
Soft Pull
- Buy Now, Pay Later
- Stoneberry Credit Lines Up To $1,000!
- Payments as little as $5.99 per month
- No Annual Membership Fees
- No Over-Limit Fees
- No Fees to Pay Your Bill Online
our choice
our choice
Maximum Loan Amount
$2,500
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
- Our process is safe, secure, fast and reliable.
- No waiting in lines or going to a physical store.
- Request your loan straight from your mobile phone, or computer.
- You may be approved in minutes, and your cash will be deposited straight into your bank account.
our choice
our choice
Card Type
Unsecured
Regular APR
29.99% Variable
Annual Fee
As low as $85
Response in 60 sec
Yes
Credit Pull
Hard Pull
- With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments
- Earn a 1% cash back reward on all other purchases
- Up to $1,000 credit limit subject to credit approval
- Pre-qualify without affecting your credit score
- No deposits or program fee
- Free access to your Vantage 3.0 score from Equifax†
our choice
our choice
- Chime Spending Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card
- Free credit building, no matter your credit history
- No annual fees or interest
- No credit check to apply
- No minimum security deposit required
- Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
- Reports to all 3 major credit bureaus
- View and track your FICO score right in the Chime app. FICO is the credit score used by 90% of lenders
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Instant Response
Yes
Credit Pull
Soft Pull
- Bad Credit, Low Score? No Problem!
- Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
- Build your Credit with responsible handling of your account
- Receive a $750 Credit Line
- Easy Application with Immediate Results
- No Credit Check
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
See terms
Annual Fee
$0
Instant Response
Yes
Credit Pull
Soft Pull
- Buy Now, Pay Later
- Stoneberry Credit Lines Up To $1,000!
- Payments as little as $5.99 per month
- No Annual Membership Fees
- No Over-Limit Fees
- No Fees to Pay Your Bill Online
our choice
our choice
Card Type
Unsecured
Regular APR
29.99% Variable
Annual Fee
As low as $85
Instant Response
Yes
Credit Pull
Hard Pull
- With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments
- Earn a 1% cash back reward on all other purchases
- Up to $1,000 credit limit subject to credit approval
- Pre-qualify without affecting your credit score
- No deposits or program fee
- Free access to your Vantage 3.0 score from Equifax†
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
See terms
Annual Fee
$0
Instant Response
Yes
Credit Pull
Soft Pull
- Buy Now and Pay Later with Masseys Credit
- Grow your credit with responsible use
- Masseys Credit Lines Up To $1,000!
- No annual fee
- Payments as little as $5.99 per month
- Conventient online account access
our choice
our choice
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Instant Response
Yes
Credit Pull
Hard Pull
- Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
- Build up your Credit with a card that reports to all three major credit bureaus every month.
- Perfect credit not required for approval; we may approve you when others won’t.
- You may be eligible for a Credit Line Increase after six months.
- Easy and secure online application – it just takes moments to apply.
- Checking account required.
- If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
- Receive your card more quickly with optional Expedited Processing (additional fee applies).
- Get a result in as little as 60 seconds upon completion of the online application.
- Online Customer Center available 24 x 7.
- Issued by Synovus Bank, Member: FDIC.
our choice
our choice
Card Type
Unsecured
Regular APR
34.99%^
Annual Fee
$75 1st year, $48 after^
Instant Response
Yes
Credit Pull
Hard Pull
- Earn 1% Cash Back Rewards^^ on payments made to your Revvi Credit Card
- Jump on board with Revvi! Perfect credit not required
- Fast and easy application; response provided in seconds
- You asked, we listened – get the Revvi mobile app now
- Reports monthly to all three major credit bureaus
- $300 credit limit (subject to available credit)
- Checking account required
- *See rates, fees, costs & limitations and Revvi Rewards terms & conditions for details^^
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Instant Response
Yes
Credit Pull
Soft Pull
- Bad Credit, No Credit? No Problem!
- Reports to Major Credit Bureau
- Fast and Easy Application
- No Employment or Credit Check
our choice
our choice
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Instant Response
Yes
Credit Pull
Hard Pull
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00* (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Checking Account Required
our choice
our choice
Card Type
Unsecured
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See website for Details*
Instant Response
Yes
Credit Pull
Hard Pull
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
our choice
our choice
Card Type
Unsecured
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See Terms
Instant Response
Yes
Credit Pull
Hard Pull
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
our choice
our choice
Card Type
Secured
Regular APR
26.99% (Variable)
Annual Fee
$0
Instant Response
No
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit with CreditWise from Capital One. It's free for everyone and checking your credit does not hurt your credit score
our choice
our choice
Card Type
Secured
Regular APR
Prime + 6.99% APR
Annual Fee
$0
Instant Response
No
Credit Pull
See Terms
- NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable’s Double Cash Bonus.
- Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more! Plus, earn 1% cash back on all other purchases.
- Auto-review to unsecured card in as FAST as 4 months, 3X faster than anywhere else with Sable’s graduation promise.
- Up to $10,000 credit limit
- No credit check or US credit history required.
- No SSN required for non US citizens.
- Build US credit history FAST. Sable offers enhanced reporting on more data points than any other card so you can build your credit faster.
- No annual fee, no minimum security deposit.
- Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens!), rental car insurance, and much more!
- Please see https://sablecard.com/tcs for terms and conditions.
our choice
our choice
- Initial refundable deposit of $300 becomes your credit limit
- 1% Cash back Rewards on every purchase
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
- Checking Account Required
our choice
our choice
- Chime Spending Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card
- Free credit building, no matter your credit history
- No annual fees or interest
- No credit check to apply
- No minimum security deposit required
- Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
- Reports to all 3 major credit bureaus
- View and track your FICO score right in the Chime app. FICO is the credit score used by 90% of lenders
our choice
our choice
Card Type
Secured
Regular APR
18.90% (fixed)
Annual Fee
$39.00
Instant Response
No
Credit Pull
Hard Pull
- Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
- After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
- This card is perfect for people new to credit as well as people looking to rebuild their credit
- Reports monthly to all three major credit bureaus
- Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
- 24/7 online account center.
- A minimum collateral deposit of $200 is required to open this account.
- This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
our choice
our choice
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI ** See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
our choice
our choice
Card Type
Secured
Regular APR
17.39% (variable)
Annual Fee
$35
Instant Response
Yes
Credit Pull
Soft Pull
- No credit check to apply and find out instantly if you are approved.
- OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
- Get considered for a credit line increase after 6 months, with no additional deposit required
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
- Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
- Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
- Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Enjoy protection from unauthorized purchases with $0 fraud liability
*View the cardholder agreement
our choice
our choice
Card Type
Secured
Regular APR
26.99% (Variable)
Annual Fee
$0
Instant Response
No
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- No annual or hidden fees, and you can earn unlimited 1.5% cash back. See if you're approved in seconds
- Building your credit? Using a card like this responsibly could help
- Put down a refundable $200 security deposit to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit with CreditWise from Capital One. It's free for everyone and checking your credit does not hurt your credit score
- Earn unlimited 1.5% cash back on every purchase, everywhere. No rotating categories or limits to how much you can earn. It's that simple
our choice
our choice
Maximum Loan Amount
$1,700
Minimum Loan Amount
$525
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
No
- Get the savings plan that helps build credit today!
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus.
- Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options.
our choice
our choice
- Enjoy 0% APR on Purchases for Six Months!
- Full-Feature Platinum Mastercard® Secured Credit Card
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI