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About Paydivvy

Dear Friend,

Getting a loan can be really challenging.

It seems like most banks and lenders only care about credit score numbers.

They are declining candidates at a rapid pace without looking deeper into their whole situation…

And even though today you might have a great income-debt ratio and a stable job, there is a high probability your application will get rejected.

That could make you feel frustrated, angry, or even guilty…

Because time is passing and yet, you’re not getting the funds you need.

When you ask for advice, most people say non-sense things like…

“Save your money for a few years or decades and buy it cash”.

“Taking a loan is stupid…loans are bad”.

“The interest rates for a loan are pretty high, it’s not worth it”.

If this sounds familiar, you’re going to love what we can do for you.

But first let’s make something clear – You’re not alone. 

There are thousands of Americans whose credit is completely screwed mostly due to medical bills, college debt, losing a job, an ugly divorce, late payments, poor decisions they’ve made in the past, you name it…

…and today they are working hard on a stable job trying to repair it, but that takes time. 

When it comes to getting a loan they keep getting rejected even by industry leading lenders.

Look, although we haven’t met personally…

I care about you and your circumstances. I really do. Because I’ve been there myself. 

When I came to the U.S with my wife, we were so broke that we couldn’t afford to keep the heating on (we were using a woodstove), and even less to pay the rent of a crappy apartment (we had to house sit for his grandfather until we could afford a 1 room apartment, in a sketchy part of town).

We were barely making enough to get by…

Our credit score was extremely low and getting a loan seemed almost impossible – rent, a small house, a needed car, or even furniture (we had to rely on free Craigslist stuff).

Now, given how desperate my situation was, in between anxiety attacks, sleepless nights and sometimes crying out of frustration, I kept telling myself that I had to do something as soon as possible, even though I had no clue about what to do.

And one rainy day, it was February 23, 2014 and I remember it like if it was today, I was driving in my rusty 2000 Ford Ranger coming back from the grocery store, my pregnant wife was waiting for me to cook dinner, I saw smoke coming from the front of the truck.

And little by little, the truck slowly stop responding to the gas pedal.

Until it stopped.

With no extra money saved, and a repair what was going to be in the thousands, parked in an isolated empty mall parking lot, I screamed out of my longs: “I’m going to find a f**ing solution!!”

And I promise myself this will never happen again. I’ll figure out how to get a loan for whatever we needed whenever we needed despite having bad credit score. I made the life-changing decision to dedicate my life to finding a solution once and for all.

And in that moment, I realized that…

The #1 Obstacle Preventing Me and Other Americans From Turning Our Dreams Into Reality Was Getting A Loan While Having Bad Credit

That’s why I started relentlessly reading every book out there on debt, finance and law.

I researched and interviewed people of all ages, analyzing thousands of articles online as well as becoming part of private groups and forums, where I had the opportunity to discuss and connect with hundreds of people with bad credit issues.

I learned a lot about their challenges. 

They were having problems for anything that you can imagine: vehicles, health, home, debt consolidation, student loans and even weddings and funerals.

I realized a lot of them were in the exact same situation as I was, hungry for a solution.

I even discovered what are known as “predatory lenders” who are all too happy to give you money and put you through years of miserable life…

But after what felt like years, and finally being able to get some loans (even with bad credit), I felt I knew enough to start helping others and putting my knowledge into practice.

At the beginning, it wasn’t like it is today. I first started offering 1-on-1 help applying everything that I had learned.

And after a few months of helping people, they started talking with friends and family and things got out of control.

Emails flooded my inbox every single day.

It was just impossible to help every single person, so I hired a fantastic personal assistant and slowly built my team of experts from there.

When the time was right, we decided to make a small change that could help even more people…

We hired an expert team of developers to create technology that could streamline the process and make it easier for everyone.

Without needing us to be on the phone for hours, going back and forth writing dozens of emails, or having to apply with 5, 10, even 20 lenders to get 1 response.

  • I was really annoyed by the “experts” saying why people should stop trying to get a loan and instead how they should first “fix their credit score”.
  • Or by the banks and “bad credit lenders” who looked at their customers like numbers…

I promise myself we were going to be different, and that’s exactly what differentiates us here at Paydivvy.

But enough about me/us… 

This is about you.

We believe that personal lending should be easy, fast, and shouldn’t rely on past credit history.

After all, people shouldn’t be judged or denied receiving funds to do what you need because of what happened in their past, right?

That’s not fair. Everyone should be given the same opportunities.

At Paydivvy we have an extensive network of lenders, that can help you receive funding up to $35,000 to get the funds you need

So, Let’s Answer The Big Question… How Can You Get A Loan With Bad Credit?

If you are looking for a “bad credit loan”, our fast and secure process starts with filling up our online form.

And nope…

This is not a long process which includes endless paperwork, in-person meetings, and awkward questions to answer.

You only need to complete the form you can find in this page, in order for us to find the right lenders for you and to ensure you are approved quickly.

Right after that, we will make sure the information is correct and send it out immediately.

It’s not difficult for our average visitors looking for a loan with bad credit to get approved within 24-48 hours after we’ve sent the information to our pool of qualified lenders (these are lenders that are more likely to give you a loan even if you have a low credit score based on our research)

All it takes it’s 5 minutes from your time.

Here are the requirements:

  1. Must be at least 18 years’ old
  2. Must be a U.S. citizen or Permanent Resident.
  3. Currently employed or receiving steady income.
  4. Have a bank account to receive the funds, ideally with direct deposit.

I know that you’re probably expecting the worst, because of past experiences or what you’ve read online.

You may think your case is unique, or you have different circumstances, but the truth couldn’t be further away.

Getting a loan with bad credit is easier than you think.

Even if you have

  • Minimal credit history
  • FICO credit score in the mid-500 range
  • An emergency financial crisis that demands funds now (these are rare but happen sometimes)
  • Self-employment history who have been turned down by previous lenders
  • Re-financing issues

None of that matters!

We’ll Literally Do The Hard Work For You And Find A Lender For You

Can you imagine how it feels getting multiple offers instead of chasing offers?

You’ll be like a driver in a making decisions, instead of wishing or hoping to get approved. It’s an empowering feeling that turns “hopefully”, to “I’m in Charge”.

You could literally start receiving offers as soon as tomorrow and get funds in your bank account within 24 hours.

To start the process, you can submit your application with our bank-level 256-bit AES encrypted form.

It’s simple, fast and seamless.

P.S: Since each lender has its own lending policies, once approved, please be sure to read their disclosures and lending practices carefully before you sign and agree to the loan.

Frequently Asked Questions (FAQ):

Can I get a loan with bad credit?

Yes, you can. You just need to meet the basics requirements, that you can find here

Me and my team are here to help you despite bad credit or no credit history. After all, people shouldn’t be judged or denied receiving funds because of what happened in their past. That’s not fair. Everyone should be given the same opportunities.

We work hard to find the perfect lender for your specific situation and make sure you have the highest probability to get approved. We do that every single month, with individuals of all ages and backgrounds.

Is there any minimum credit score for a loan?

Unlike many other lenders, Paydivvy’s network of lenders don’t have minimum credit score requirements. They assess the loan approval based on factors, including

where you live, how much you want to borrow, and what you are buying.

How do you get approved for a loan?

To do that, you must first complete the online application, which will get you in touch with a pool of lenders that have the highest probability of getting you approved. If you are approved, you will have 30 days to determine whether or not you want to take the loan.

How long can you network finance ?

Repayment terms vary depending on the size of your loan and the lender terms. Paydivvy’s network of lenders offers financing repayment terms of up to 15 years. You may also be offered extended warranties if you need them.

What are the requirements?

  1. Must be at least 18 years’ old
  2. Must be a U.S. citizen or Permanent Resident.
  3. Currently employed or receiving steady income.
  4. Have a bank account to receive the funds, ideally with direct deposit.

How do you protect my privacy and personal information?

At Paydivvy privacy is crucial. We use industry-standard 256-bit encryption on our website so that third parties won’t be allowed to intercept. Check out our privacy policy for more details.

Do I get charged extra if I’m late on a payment?

Typically this is out of our control, and depends on the lender you end up getting the loan from. We recommend you to read closely their requirements and conditions before making any decision. Like with most loans, you should expect to get charged extra if you’re late.