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ADVERTISING DISCLOSURE:
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.
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 May 2021
- 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
Instant Response
Yes
Credit Pull
See Terms
- Choose which account management options are right for you.
- Build credit with First PREMIER**
- Fill out an application and know in 60 seconds if you’re approved!
our choice
our choice
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Instant Response
Yes
Credit Pull
See Terms
- Choose which account management options are right for you.
- Build credit with First PREMIER**
- Fill out an application and know in 60 seconds if you’re approved!
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
- Instant Approval / $750 Credit Line!
- TRY US RISK-FREE FOR 7 DAYS!
- No Employment or Credit Check
- Reports to Major Bureau
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
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
Maximum Loan Amount
$15,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
- TapnLoan provides fast access to personal loans. Borrow up to $15,000
- All Credit Types Welcome
- Money as Soon as Tomorrow
- Build Your Credit
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
- Request a loan in under 2 minutes!
- This service is free and will NOT affect your credit score
- Money can be deposited as soon as the next business day
our choice
our choice
Card Type
Unsecured
Regular APR
25.90% - 29.99% (Variable)
Annual Fee
$75 - $99
Instant Response
Yes
Credit Pull
Hard Pull
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
- 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
Maximum Loan Amount
$500,000
Minimum Loan Amount
$5,000
Minimum Income Required
$7,500
Minimum Age of a Borrower
18
Instant Response
No
- Need Funding Fast?
- Get $5,000 to $500,000
- Your time is money get hassle free working capital
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
- Instant Approval / $750 Credit Line!
- TRY US RISK-FREE FOR 7 DAYS!
- No Employment or Credit Check
- Reports to Major Bureau
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
our choice
our choice
Card Type
Unsecured
Regular APR
25.90% - 29.99% (Variable)
Annual Fee
$75 - $99
Instant Response
Yes
Credit Pull
Hard Pull
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
- 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
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
See terms
Annual Fee
See terms
Instant Response
Yes
Credit Pull
Hard Pull
- Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
- Reports to All Three Major Credit Bureaus
- Access Additional Credit with On-Time Payments and Responsible Usage
- Fixed APR and Manageable Monthly Payments
- A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.
our choice
our choice
Card Type
Unsecured
Regular APR
See Terms*
Annual Fee
See Terms*
Instant Response
Yes
Credit Pull
Hard Pull
- 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 that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
our choice
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See website for Details*
Instant Response
Yes
Credit Pull
Soft Pull
- $750 Unsecured Credit Limit
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Reports to a Major Bureau
- Bad Credit - OK
our choice
our choice
Card Type
Secured
Regular APR
17.39% (variable)
Annual Fee
$35
Instant Response
No
Credit Pull
Soft Pull
- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
- *View our Cardholder Agreement located at the bottom of the application page for details of the card.
our choice
our choice
Card Type
Secured
Regular APR
9.99% (Fixed)
Annual Fee
$48
Instant Response
Yes
Credit Pull
Soft Pull
- Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
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
- 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 TransUnion* (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
- $0 fraud liability
- Checking Account Required
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
- Full-Feature Platinum Mastercard® Secured Credit Card
- 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.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
our choice
our choice
- Credit lines available from $200 to $5,000! Low 13.99% variable interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- Nationwide Program though not yet available in NY, IA, AR, or WI
- See website for additional Oakstone Gold Secured Mastercard® details
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
- * See Card Terms.
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
- Full-Feature Platinum Mastercard® Secured Credit Card
- 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.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
our choice
our choice
- Credit lines available from $200 to $5,000! Super Low 9.99% variable interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- Nationwide Program though not yet available in NY, IA, AR, or WI
- See website for additional Oakstone Platinum Secured Mastercard® details
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
Maximum Loan Amount
$15,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
- TapnLoan provides fast access to personal loans. Borrow up to $15,000
- All Credit Types Welcome
- Money as Soon as Tomorrow
- Build Your Credit
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
- Request a loan in under 2 minutes!
- This service is free and will NOT affect your credit score
- Money can be deposited as soon as the next business day
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
- Request a loan in 2 minutes or less
- Direct deposit as soon as the next business day
- All credit types considered
- Safe and secure online form
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
Maximum Loan Amount
$35,000
Minimum Loan Amount
$500
Minimum Income Required
$1,000
Minimum Age of a Borrower
18
Instant Response
No
- You can receive funding up to $35,000
- Personal loan as soon as tomorrow
- Find the loan that is right for you
- You can get an installment loan to take care of your needs
- Loans made easy
our choice
our choice
Maximum Loan Amount
$500,000
Minimum Loan Amount
$5,000
Minimum Income Required
$7,500
Minimum Age of a Borrower
18
Instant Response
No
- Need Funding Fast?
- Get $5,000 to $500,000
- Your time is money get hassle free working capital
our choice
our choice
Maximum Loan Amount
$5,000
Minimum Loan Amount
$1,000
Minimum Income Required
$700
Minimum Age of a Borrower
18
Instant Response
Yes
- Need cash for your personal expenses?
- Up to 5k - Fast, Secure, and All Online!
- You can pay off credit card bills and save!
our choice
our choice
Maximum Loan Amount
$1,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
- Fast approval in as little as 2 minutes
- Your money directly deposited into your account
- Safe and Secure
- Flexible Payments
- All Credit Types
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
- Not available to residents of CT, NH, WA, and VT.
- Loan decisions in 2 minutes.
- All credit types considered.
- Large lender marketplace.
- See if you qualify today.
our choice
the truth ABOUT
REPAIRING BAD CREDIT
Don't trust anyone who tells you there is a quick fix for repairing your credit. Bad credit is a burden that can last years on your credit report, and may take a toll on your personal and professional life. Using credit cards responsibly and making on-time payments over a number of years and keeping account balances low relative to the credit limit helps build good credit history.
If you are thinking of applying for a credit card, choose the right card. A good option for consumers with bad credit is a secured credit card. Secured credit cards report your credit performance to the consumer reporting agencies, so you can build your credit history if you practice responsible credit behavior. So, if you are on time with all payments and do not go over the limit, you will likely be able to raise your credit score.
Don't believe those who claim prepaid cards can do the same for you. Prepaid cards do not send reports to the agencies, and as a result there's no improvement for your credit history. However, they are good for establishing the habit of making payments regularly. They prepare you to have a regular credit card.
Keep in mind that banks may charge additional fees for credit card use, beyond interest rates and annual fees. Read the terms and conditions carefully and know what you are signing up for - Credit-Land.com provides you with most current and full product reviews. Please note that not all credit cards come with a $500 credit limit and some are fee based offers.
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