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Flexible 3-36 Month Repayment Options

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Personal Loans

Won’t affect your credit score!††

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Lender Network

Our nation-wide network of lenders is available & ready to fund eligible individuals.

Fast Delivery

Funds direct deposited to your bank as soon as the next business day.

Safe & Secure

Your information is safe with our 100% online loan request process.

All Credit Considered

Submit a loan request now, regardless of your credit score. Conditions vary by lender.

Upfront Disclosure

No obligation loan request. View terms from the lender before commitment.

We’re putting you in control.

The choice is yours with

Next Day Financial!

What Are Personal Loans?

Personal loans can be used for any expense – from paying off credit cards to financing home repairs or even a much-needed vacation. They are typically paid back in monthly or bi-monthly installments over an extended period of time. Personal loans are a convenient alternative to bank loans or high-interest credit cards, with online loan request forms and no-hassle automated repayment.

How Much Will The Loan Cost?

The cost of the loan and Annual Percentage Rate (APR) depend on several factors, including state law, credit history and employment history. The APR also depends on the requested loan amount and payoff installment frequency. The loan terms are disclosed during the loan request process when you are directed to the lender’s loan agreement. Start your loan request now!

How Soon Can I Get The Funds?

The time it takes to process a loan and transfer or ACH funds into an individual’s account varies with each loan company. Processing time also depends on the financial institution where the customer has their bank account. Nevertheless, approved individuals often receive their loan funds as soon as the next business day after approval.

Loan Requests Process Within Minutes!

Fill out our 100% online personal loans for bad credit request form today, and let our lender network get to work for you! Our form is easy & processes within minutes. We care about your privacy, so our loan request form is safe & secure. Start your application now!

Loans For Any Credit Situation

Bad credit? No problem! Next Day Financial connects you with our nation-wide network of lenders and will attempt to connect you with a lender regardless of your credit situation! Lenders are available and are ready to fund eligible individuals. Get your online personal loans for bad credit today!

My credit score is low and I always have a hard time getting approved for a loan.  However, not only did Next Day Financial approve me for a $5,000 loan in just minutes, the money was in my bank account the very next day! Thank you!


Woodland Park, CO

Frequently Asked Questions

What is a personal loan?

An unsecured personal loan is money borrowed from a lender that is not secured by property such as a house or car over a fixed period of time.

How long will it take to get my money?

If you accept your loan before 5pm ET Monday-Friday, your funds will be transferred on the next business day. If the terms are accepted after 5pm ET Monday-Friday, the funds will be transferred on the following business day. 

How much can I borrow?

You can borrow between $100 and $30,000, depending on what state you live in. Note, there are state-specific minimum loan amounts for some states and the exact amount you may borrow depends on what you qualify for based on your application information.

Will it affect my credit score?

Checking your rate on Next Day Financial will not affect your credit score. If you proceed with your application after receiving a rate your credit score may be impacted. When you check your rate, we make a “soft credit inquiry.” Soft credit inquiries on your report do not lower your credit score, but you may see when you view your report that this inquiry was made. If you are offered a loan and proceed with the application, we will then make a “hard credit inquiry” to verify the accuracy of your application. This action will be recorded as an inquiry on your report and it may impact your credit score.

Repayment Terms

The lenders on our network offer flexible repayment terms in multiple installments. If you feel the need to pay off your online personal loans for bad credit earlier, you may do so with out a penalty.

Our lenders give you as much as 72 months to repay your loan.
View Terms Below.

– Loan Period: 6 – 72 Months
– Application Fee: None
– Payment Frequency: Once or twice a month
– Prepayment Penalty: None
– Maximum APR: 4.99% – 35.99% (Varies by state according to each state’s usury laws, but will never exceed the maximum allowed rate for each state)

Representative Repayment Examples:

– If you borrow $10,000 over 60 months at a fixed rate of 3.1% APR with $60 in fees, the representative rate would be 3.3% APR, with monthly repayments of $180.80, for a total amount paid of $10,848.
– If you borrow $10,000 over 36 months at a fixed rate of 5.32% APR with $100 in fees, the representative rate would be 5.99% APR, with monthly repayments of $302, for a total amount paid of $10,872.
– If you borrow $10,000 over 60 months at a fixed rate of 7.69% APR with $500 in fees, the representative rate would be 9.88% APR, with monthly repayments of $201.28, for a total amount paid of $12,076.80.

Material disclosure

APR Disclosure. Some states have laws limiting the APR (Annual Percentage Rate) that a lender can charge you. APRs range from 4.99% to 35.99%, or to the discretion of the lender, and vary by lender. Personal loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $15,000. Not all lenders can provide up to $15,000 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Loan transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

Exclusions. The services offered by this website might not be available in every state. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you may be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Consider seeking professional advice regarding your financial needs. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

†† When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus.

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