Are You Looking To Get {TheFullThing(THING)} Loan with Bad Credit? Getting {TheFullThing(THING)} loan with good credit or bad credit can be a challenge.

We’re on a mission to help you get funded for {TheFullThing(THING)} loan by simplifying the application and qualification process and looking for the right lenders. No more chasing offers or submitting a lot of applications to get nowhere.

Be part of the 19.21* million borrowers in the US that enjoy their personal loan for {TheFullThing(THING)} or anything else.

*Based on Q4 2020 (TransUnion)

We help you get bad credit {TheFullThing(WHAT)} financing

Small {TheFullThing(WHAT)}

We can help with small {TheFullThing(WHAT)} when you qualify.

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High End {TheFullThing(WHAT)}

We can help with High End {TheFullThing(WHAT)} when you qualify.

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Affordable {TheFullThing(WHAT)}

We can help with affordable {TheFullThing(WHAT)} when you qualify.

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Our 3 Step Process to Help You Get a bad credit {TheFullThing(WHAT)} loan

Applying for a loan shouldn’t be complicated, shouldn’t take hours, shouldn’t require driving to your local bank branch, and shouldn’t require giving 40 items of personal information.

At Paydivvy when have simplified the process and can be summarized in 3 simple steps.


To gather your information and be able to send it to our network of lenders. It’s fast, easy, and seamless.


If approved, you’ll be able to choose one offer from the multiple you will potentially receive. And that’s all!


After we gather your information, we send it to our network of lenders that will study your application to send you offers.

Apply Today

Submit your application and get and see if you qualify fast.

Our Network Of Lenders Are Waiting For Your Application

No matter what your circumstances are, applying for your {TheFullThing(TITLE)} loan with Paydivvy is simple, safe, and efficient.

Our network of lenders is ready to review your application and give you an answer as fast as possible. We are here to help you across the whole process.

Start your simple application

At Paydivvy we have an extensive network of lenders, that can help you receive funding up to $35,000 to get the {TheFullThing(WHAT)} you want to purchase regardless of your credit or situation.

The process is as simple as subtimming the information on a form, wait for lenders to contact you if you qualify and then chose the loan that suits you the best.

No paperwork, no hassle, fast and simple.

Getting funds has never been as easy as it is now.


How Can You Get {TheFullThing(THING)} Loan With Bad Credit?

If you are looking for a “{TheFullThing(WHAT)},” our fast and secure process starts with filling up our online form.

And no, this is not a long process, which includes endless paperwork, in-person meetings, and awkward questions to answer.

You only need to complete our form to get in touch with lenders looking to work with you.

After that, there’s a verification process to ensure your information is correct.

It’s not difficult for our average visitors looking for {TheFullThing(WHAT)} 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 is 5 minutes from your time.

Here are the requirements:

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

If you have bad credit, you’re probably expecting the worst because of past experiences or what you’ve read online.

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

Getting {TheFullThing(THING)} loan with bad credit may be easier than you think.

Even if you have

  • Minimal credit history
  • FICO credit score in the mid-500 range or below.
  • An emergency financial crisis to buy or repair {TheFullThing(THING)} that demands funds now (these are rare but happen sometimes)
  • Self-employment history who have been turned down by previous lenders
  • {TheFullThing(WHAT)} re-financing issues

None of that matters!

We’ll Do The Hard Work To Help You Find A Lender For Your {TheFullThing(WHAT)} needs.

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

You’ll receive a fast answer for your {TheFullThing(THING)}  loan needs instead of wishing or hoping to get approved. 

If you apply today, it’s not uncommon to receive offers as soon as tomorrow and get funds in your bank account within 24 hours (M-F).

Finally, you’ll be able to enjoy the {TheFullThing(WHAT)} you’ve been looking for.

What are you waiting for? Submit your application with our bank-level 256-bit AES encrypted form.

It’s simple, fast and seamless.

Note 1: Since each lender has its lending policies, once they have an offer, please read their disclosures and lending practices carefully before you sign and agree to the loan.

Note 2: At Paydivvy, we also do our best to avoid {TheFullThing(WHAT)} loan options from lenders with bad practices.

Can I get {TheFullThing(THING)} loan with bad credit?

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

Our team is here to help you despite your bad credit or lack of credit history. After all, people shouldn’t be judged or denied receiving funds for their {TheFullThing(THING)} because of what has happened in their past. Everyone should be given a chance to apply.

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

Is there any minimum credit score for {TheFullThing(THING)} 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 {TheFullThing(THING)} loan?

Loan approval for {TheFullThing(THING)} is simple: 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 finance {TheFullThing(THING)} for?

Repayment terms vary depending on the size and cost of the {TheFullThing(WHAT)}. Paydivvy’s network of lenders offers financing repayment terms of up to 15 years. You may also be provided 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.

What kind of {TheFullThing(WHAT)} can I have?

Any {TheFullThing(WHAT)} you can afford. Whether it’s big, small, pro, high quality, on the low end… it all depends about what you’re looking for..

How do {TheFullThing(WHAT)} loans work?

A bad credit {TheFullThing(WHAT)} loan could be a wise and practical decision until you can fix your credit. Paydivvy’s lender partners offer {TheFullThing(WHAT)} loans for all sorts of circumstances and faster than most companies.

To get started, you have to fill out the online application here.

Most people usually get a response in less than 24 hours (during business hours).

Once approved, you’ll get the money deposited in approximately 3-5 business days (sometimes as fast as 24hrs).

Getting {TheFullThing(THING)} can be a dream come true, that’s why we try our best to make it reality in the shortest amount of time possible.

What are current {TheFullThing(WHAT)} loan rates?

At Paydivvy, we try to connect you with lenders that offer the best {TheFullThing(WHAT)} loan rates possible, no matter your credit score or the cost of the {TheFullThing(WHAT)}. Current {TheFullThing(WHAT)} loan rates can be as low as APR% 3.5%*

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 {TheFullThing(WHAT)} 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.

Put You & Your Family in Good Hands