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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.

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  • Cards of March 2024
  • Secured Cards
  • Personal Loans
  • Debit
    Cards
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Maximum Loan Amount
$750
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A $750 revolving line of credit to use for Kikoff purchases
  • Build payment history that gets reported to Equifax and Experian

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

our choice

Maximum Loan Amount
$100,000
Minimum Loan Amount
$1,000
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
  • See Your Rate In Minutes
  • Get Your Free Experian® Credit Report
  • Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
  • Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Loans up to $100,000

Apply for Perpay - Credit-Land.com

Rating 4.1

APPLY NOW

Any Credit

our choice

Card Type
Marketplace & Credit Builder
Regular APR
0%
Annual Fee
$0
Response in 60 sec
No
Credit Pull
Soft Pull
  • Unlock a $1,000 average Spending Limit instantly.
  • Shop top brands in the Perpay Marketplace (Apple, Sony, MCM, Nike & more).
  • No interest, fees, or credit check.
  • Pay over time with easy payments from your paycheck.
  • Shop and build credit by 36 points on average.

our choice

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Build Credit

Shop and build credit by 36 points on average.

our choice

Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
  • Build credit & Earn rewards.
  • Payment performance is reported monthly to TransUnion, Equifax, Experian, and Innovis.
  • Track your credit score every month.
  • Learn with courses and pick up useful skills.
  • Earn 1% back on loan offers. Up to $1,225.
  • 0% APR / $0 fees. Instant approval. No credit check.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com

Rating 4.3

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Card Type
Secured
Regular APR
30.74% (Variable)
Annual Fee
$0
Response in 60 sec
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 on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • 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
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

our choice

Annual Fee: $0

Rewards

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

our choice

Card Type
Debit
Activation Fee
No
Maintenance Fee
No
Credit Check
No
Overdraft Available
Yes
  • No Monthly Fees.
  • Get fee-free overdraft up to $200* with SpotMe®.
  • Set up Direct Deposit and get your paycheck up to 2 days earlier^ than some of your co-workers!
  • Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
  • *SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
  • ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

our choice

Activation Fee: No

Monthly Maintenance Fee: No

Overdraft available

Overdraft Fee:
Fee-free Overdraft up to $200* with SpotMe

Use this card everywhere Visa cards are accepted

our choice

Card Type
Secured
Regular APR
15.24% (V)
Annual Fee
$49.00
Response in 60 sec
No
Credit Pull
Soft Pull
  • 1% Cash Back Rewards on payments.
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Reports to all 3 major credit bureaus.
  • No minimum credit score required for approval!
  • Accepted wherever Mastercard® is accepted.
  • Applying is quick and easy with our secure online application.
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

our choice

Rewards

1% Cash Back Rewards on payments.

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for Masseys Credit Card - Credit-Land.com

Rating 3.5

APPLY NOW

Excellent / Good / Fair / Bad Credit

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 and Pay Later with Masseys Credit
  • Grow your credit with responsible use
  • Masseys Credit Lines Up To $500!
  • No annual fee
  • Payments as little as $5.99 per month
  • Conventient online account access

our choice

Annual Fee: $0

Instant Response

our choice

Card Type
Secured
Regular APR
0%
Annual Fee
$0
Response in 60 sec
Yes
Credit Pull
Soft Pull
  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.

our choice

Annual Fee: $0

Instant Response

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

Apply for Capital One Platinum Secured Credit Card - Credit-Land.com

Rating 3.8

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Card Type
Secured
Regular APR
30.74% (Variable)
Annual Fee
$0
Response in 60 sec
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 score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

Reporting to the Major Consumer Reporting Agencies

our choice

Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Response in 60 sec
Yes
Credit Pull
See Provider Website
  • PREMIER Bankcard credit cards are for building** credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build** your credit.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Card Type
Secured
Regular APR
25.24% (V)
Annual Fee
$29.00
Response in 60 sec
No
Credit Pull
Soft Pull
  • 1% Cash Back Rewards on payments.
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

our choice

Rewards

1% Cash Back Rewards on payments.

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

our choice

Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Response in 60 sec
Yes
Credit Pull
See Provider Website
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and receive a response in 60 seconds.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • 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

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Response in 60 sec
Yes
Credit Pull
See Provider Website
  • Everyone deserves a chance to build** credit: apply today!
  • PREMIER Bankcard credit cards are for building** credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • 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

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Card Type
Credit Builder Account
Regular APR
0%
Annual Fee
See terms
Response in 60 sec
No
Credit Pull
Soft Pull
  • A better credit score can get you approved for the credit card you want!
  • Improve credit building factors that make up 80% of your score.
  • Start building your score for just $0.99 and get your FREE credit score.
  • StellarFi is a credit building account, not a credit card.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Build Credit

A better credit score can get you approved for the credit card you want!

Apply for Surge® Platinum Mastercard® - Credit-Land.com

Rating 3.7

APPLY NOW

Bad, Fair, Good, Excellent Credit

our choice

Card Type
Unsecured
Regular APR
29.99% (Variable)
Annual Fee
$75 - $125, after that $99 - $125 annually
Response in 60 sec
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!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • 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
  • Online account access 24/7
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Response in 60 sec
Yes
Credit Pull
See Provider Website
  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and receive a response in 60 seconds.
  • You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • 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

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Build credit by keeping your balance low and paying all your bills on time every month.

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Card Type
Secured
Regular APR
19.24% (V)
Annual Fee
$39.00
Response in 60 sec
No
Credit Pull
Soft Pull
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line - $200 to $2,000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

our choice

Rewards

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

SHOW MORE CARDS
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Regular APR
15.24% (V)
Annual Fee
$49.00
Instant Response
No
Credit Pull
Soft Pull
  • 1% Cash Back Rewards on payments.
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Reports to all 3 major credit bureaus.
  • No minimum credit score required for approval!
  • Accepted wherever Mastercard® is accepted.
  • Applying is quick and easy with our secure online application.
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

our choice

Rewards

1% Cash Back Rewards on payments.

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

our choice

Regular APR
0%
Annual Fee
$0
Instant Response
Yes
Credit Pull
Soft Pull
  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.

our choice

Annual Fee: $0

Instant Response

Foreign Transaction Fee: 0%

Reporting to the Major Consumer Reporting Agencies

Apply for Capital One Quicksilver Secured Cash Rewards Credit Card - Credit-Land.com

Rating 4.3

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
30.74% (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 on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • 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
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

our choice

Annual Fee: $0

Rewards

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

Apply for Capital One Platinum Secured Credit Card - Credit-Land.com

Rating 3.8

APPLY NOW

on Capital One's secure website

Limited, Bad Credit

our choice

Regular APR
30.74% (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 score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate

Reporting to the Major Consumer Reporting Agencies

our choice

Regular APR
25.24% (V)
Annual Fee
$29.00
Instant Response
No
Credit Pull
Soft Pull
  • 1% Cash Back Rewards on payments.
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

our choice

Rewards

1% Cash Back Rewards on payments.

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for Discover it® Secured Credit Card - Credit-Land.com

Rating 4.5

APPLY NOW

on Discover's secure website

New/Rebuilding

our choice

Regular APR
28.24% Variable APR
Annual Fee
$0
Instant Response
No
Credit Pull
See Terms
  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit history.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.

our choice

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.µ

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Foreign Transaction Fee: None

our choice

Regular APR
19.24% (V)
Annual Fee
$39.00
Instant Response
No
Credit Pull
Soft Pull
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line - $200 to $2,000 – based on your security deposit.
  • Build or rebuild your credit!1
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details

our choice

Rewards

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

our choice

Regular APR
19.24% (V)
Annual Fee
$39
Instant Response
No
Credit Pull
Soft Pull
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

our choice

Rewards

1% Cash Back Rewards on payments

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for The Self Visa<sup>®</sup> Credit Card - Credit-Land.com

Rating 3.4

APPLY NOW

Limited / No Credit

our choice

Regular APR
29.24% (Variable)
Annual Fee
$25
Instant Response
No
Credit Pull
Soft Pull
  • Your next tool for building credit!
  • The Self Visa® Credit Card reports to the three major credit bureaus in the U.S.
  • Accounts in good standing may have opportunities to increase the credit limit over time.
  • Your Credit Builder Account savings progress secures your Self credit card and sets your limit.
  • Your card can be used everywhere Visa credit cards are accepted in the U.S.
  • No hard credit check or hard pull.

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Your next tool for building credit!

our choice

Regular APR
25.64% (variable)
Annual Fee
$35
Instant Response
No
Credit Pull
Soft Pull
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

our choice

Regular APR
15.24% (V)
Annual Fee
$49
Instant Response
No
Credit Pull
Soft Pull
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.1 Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

our choice

Rewards

1% Cash Back Rewards on payments

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

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Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Maximum Loan Amount
$100,000
Minimum Loan Amount
$1,000
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
  • See Your Rate In Minutes
  • Get Your Free Experian® Credit Report
  • Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
  • Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Loans up to $100,000

our choice

Maximum Loan Amount
$750
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A $750 revolving line of credit to use for Kikoff purchases
  • Build payment history that gets reported to Equifax and Experian

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

Apply for Sezzle Card - Credit-Land.com

Rating 4.4

APPLY NOW

Any Credit

our choice

Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
  • Pay for your purchases in 4 installments over 6 weeks with 0% interest or choose to pay monthly.
  • Sign up for Sezzle today with no impact on your credit and get an approval decision within seconds!
  • Pay in 4 and Build Credit.304
  • Activate the Sezzle Virtual Card and start paying with select retailers online and in-store.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

Apply for BadCreditLoans.com - Credit-Land.com

Rating 4.3

APPLY NOW

Any Credit

our choice

Maximum Loan Amount
$10,000
Minimum Loan Amount
$500
Minimum Income Required
$1,000 (net)
Minimum Age of a Borrower
18
Instant Response
Yes
  • Up to $10,000 deposited to your bank account, if approved
  • Get funds as soon as the next business day
  • Fast, Safe, and Convenient - all online!

our choice

Instant Response

Loans up to $10,000

Annual Fee: See terms

Apply for Self - Credit Builder Account - Credit-Land.com

Rating 4.4

APPLY NOW

Limited / No Credit

our choice

Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
No
  • Choose a plan to build credit and savings at the same time!
  • Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus*.
  • Sample loans: $25/mo, 24 mos, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.inc/pricing

our choice

Reporting to the Major Consumer Reporting Agencies

No Employment Required

our choice

Maximum Loan Amount
$10,000+
Minimum Loan Amount
$1
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
No
  • Get matched with the most suitable cash or loan offerings
  • Get your cash as soon as tomorrow
  • Loan amounts up to 10,000 or more
  • People with bad credit are welcome to apply

our choice

Loans up to $10,000

Annual Fee: See terms

Apply for First Premier Lending - Credit-Land.com

Rating 3.6

APPLY NOW

Any Credit Welcome

our choice

Maximum Loan Amount
$20,000
Minimum Loan Amount
$100
Minimum Income Required
$1,000
Minimum Age of a Borrower
18
Instant Response
No
  • Flexible Payments
  • Get Your Funds Fast
  • All Credit Types
  • Safe & Secure

our choice

No Credit Check

Loans up to $20,000

Annual Fee: See terms

Apply for Viva Loan - Credit-Land.com

Rating 4.3

APPLY NOW

All Credit Types Accepted

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
  • Don’t Wait! Get an Unsecured Loan up to $15,000 quickly!
  • A Simple, Safe, Hassle Free Online Process
  • All Credit Types Welcome
  • Be Connected with a Lender in Realtime
  • Loans Available for Any Reason

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Loans up to $15,000

Apply for Get Funds Quickly - Credit-Land.com

Rating 4.3

APPLY NOW

Excellent/Good/Fair/Bad Credit

our choice

Maximum Loan Amount
$50,000
Minimum Loan Amount
$100
Minimum Income Required
$800
Minimum Age of a Borrower
18
Instant Response
Yes
  • Online Personal Loans up to $50,000
  • Direct deposit as soon as the next business day
  • Our Online form is quick & secure

our choice

Instant Response

No Credit Check

Loans up to $50,000

Apply for MyMegaLoan - Credit-Land.com

Rating 4.3

APPLY NOW

All Credit Types Considered

our choice

Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
Instant Response
Yes
  • Request a loan anywhere between $100 and $35,000
  • See cash in your account in as soon as the next business day
  • Personal Loans Online - All Credit Types Considered
  • Wire transfers for loans available with our simple form

our choice

Instant Response

Loans up to $35,000

our choice

Maximum Loan Amount
$50,000
Minimum Loan Amount
$1,000
Minimum Income Required
See terms
Minimum Age of a Borrower
See terms
Instant Response
Yes
  • Get personal loans from $1,000 to $50,000288
  • Personal loan that consider more your credit score
  • No prepayment penalty
  • Next day funding
  • Lower rates

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Loans up to $50,000

Annual Fee: See terms

SHOW MORE CARDS
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Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Activation Fee
$0
Maintenance Fee
$0
Credit Check
No
Overdraft Available
Yes
  • 1% Cash back on Debit Card purchases with qualifying activity. See website for details
  • No minimum opening deposit and no minimum balance
  • Early paycheck access; up to 2 days early
  • Fee free overdraft protection
  • No fees
  • eWallet compatible (Apple, Google, Samsung)
  • Large ATM network
  • Mobile check deposit
  • Online bill pay
  • Peer-to-peer payments via Zelle.
  • FDIC Insured

our choice

Activation Fee: $0

Monthly Maintenance Fee: $0

Overdraft available

Overdraft Fee:
$0

FDIC insured

our choice

Activation Fee
$0
Maintenance Fee
$0 with eligible direct deposit
Credit Check
No
Overdraft Available
Yes
  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*

our choice

Activation Fee: $0

Monthly Maintenance Fee: $0 with eligible direct deposit

Overdraft available

Overdraft Fee:
$15

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Givers Debit Card - Credit-Land.com

Rating 4.2

APPLY NOW

Any Credit

our choice

Activation Fee
$0
Maintenance Fee
$0
Credit Check
No
Overdraft Available
No
  • The first debit card made just for taking care of your loved ones.
  • Use your dedicated Givers debit card to easily separate caregiving expenses from everyday expenses. No more need for messy receipts or spreadsheets.
  • Get savings on autopilot.
  • No upfront cost, no hidden fees, savings guarantee.

our choice

Activation Fee: $0

Monthly Maintenance Fee: $0

Use this card everywhere Visa cards are accepted

No Credit Check

our choice

Activation Fee
$0
Maintenance Fee
$0
Credit Check
No
Overdraft Available
No
  • Earn $150 when you receive a qualifying direct deposit and use your Albert debit card.
  • Advance up to $250 from your next paycheck.
  • Earn up to 20% cash back when you buy gas, groceries, and more with your Albert debit card.
  • Access your paycheck up to 2 days early with direct deposit.
  • No hidden fees ($0 minimum balance and $0 maintenance fees).
  • Genius subscribers can withdraw cash fee-free at 55,000+ ATMs.

our choice

Monthly Maintenance Fee: $0

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Guaranteed Approval

No Credit Check

Apply for Extra Card - Credit-Land.com

Rating 4.2

APPLY NOW

All Credit Types Considered

our choice

Activation Fee
$0
Maintenance Fee
See terms
Credit Check
No
Overdraft Available
Yes
  • Extra is the first debit card that helps you build your credit and earns up to 1% back in points for everyday purchases like gas, coffee and your phone bills.1
  • No interest. No credit checks. No deposit required.
  • Track your spending & credit score—follow your progress with Credit Journey on the Extra App
  • Earn reward points—earn up to 1% back in points with every purchase and redeem them for cool products in the Extra Rewards Store1
  • Use your bank—keep your money where you want, while spending smarter with Extra.1
  • 1The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.

our choice

Activation Fee: $0

Overdraft available

Overdraft Fee:
See terms

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Instant Response

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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questionsABOUT
CREDIT OFFERS FOR BAD CREDIT

Are low APR credit cards good to improve bad credit history?

A lot of credit card holders who are having a bad credit must be wondering what they should and which card they should adopt in order to improve their credit history. They must understand that credit cards, no matter...

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Are there ways in which you can deal with bad credit?

Despite the best laid plans, you may have the occasional bad credit situation where you find things are simply falling into pieces. You may wonder about what you can do to get back on board with banks looking at you...

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Bad credit - what you can do about it

With recession affecting jobs for many, bad credit repayment is one of the hurdles faced by many. Bad credit may pose a problem in availing loans. But there is no need to worry. With competition brewing in every...

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commentsABOUT
CREDIT OFFERS FOR BAD CREDIT🜂

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