Credit Tips and Strategies for Bad Credit

Take control of your finances and build a better future. From the best credit cards and personal loans to easy gig jobs and passive income, we cover it all. Start your journey towards financial freedom today.

What's new

woman with credit card for poor credit

5 Best Unsecured Credit Cards for Bad Credit 2025

We’ve put together a list of our 5 favorite unsecured credit cards for low credit scores that offer a high initial credit limit and a fast and easy application process. When your credit profile is lacking – as in your credit score is below 670 – finding an unsecured credit card with a high initial […]

nicely dressed woman with credit card

The Business Platinum Card® from American Express Review 2025

The benefits, perks, and spending credits offered by the American Express Business Platinum Card® can be worth thousands of dollars.

A worried woman holding a credit card is touching her head

Why Does Higher Credit Utilization Decrease Your Credit Score?

The lower your credit utilization, the better your score—so don’t let high balances stand in your way.

woman using her phone

Wells Fargo Personal Loan 2025 Review

The Flex Loan can be a practical solution for existing Wells Fargo customers who need a small amount of cash.

an older woman smiling holding her glasses

Why Did My Credit Score Drop Suddenly? 10 Possible Reasons

It can feel like your credit score went down for no reason, but there’s often a clear cause and an easy fix.

woman with credit card and laptop

Credit Cards with $5000 Limit – Guaranteed Approval

A higher limit gives you more purchasing power, makes it easier to improve your score, and cover unexpected expenses.

a florist stands surrounded by flowers

How Can I Get Loans for a 500 Credit Score

Securing a loan with a poor score can be challenging, but there are viable options available if you know where to look.

a couple chatting over coffee in their kitchen

How Many Loans Can You Have at Once?

There are no official limits on the number of personal loans you can take out, but your ability to repay them is key.

woman holds credit card by face

Best Credit Cards for Bad Credit: Instant Approval & No Deposit

No credit check cards with instant approval and no deposit requirements are ideal as they make borrowing more straightforward and less financially burdensome.

excited woman holding car keys

Can You Lease a Car With Bad Credit?

Leasing a car with bad credit often means higher monthly payments, stricter terms, and limited vehicle options.

thoughtful man holding credit card and phone

Can You Pay Taxes With a Credit Card?

Paying taxes with a credit card can be convenient, but think twice. The processing fees and interest charges often outweigh any rewards you might earn.

woman on couch with credit card and laptop

8 Credit Card Dates Explained

Knowing key credit card dates can help you avoid unnecessary charges, earn rewards, and increase your credit score.

happy woman pointing and smiling

Short on funds? Secure up to $750 fast—no credit check!

Do you need money before payday? Perhaps an emergency came up, or this month has been really expensive. If you have good credit, no problem, you can take out a loan. If your credit is bad or you have a very short credit history, your options are limited. No-credit-check loans are one way to get […]

a woman holding her credit card looking at papers

Why Did My Credit Score Drop After Paying Off My Debt?

Paying off debt is always a good idea, but it may lower your credit score temporarily.

smiling man holding a credit card

Easy-approval credit cards for all credit scores

Credit cards can be hard to qualify for with poor credit. It can appear at first glance as though everything is out of reach. That’s not true. There are easy-approval cards where all scores are welcome. These cards let you rebuild your credit or establish it for the first time. A handful even offer rewards. […]

man examining a watch for a pawnshop loan

Are Pawnshop Loans A Good Idea For Fast Cash?

Pawnshop loans provide fast access to cash, but you risk losing your item if you can’t repay.

a couple embracing and smiling

Best Personal Loans From Top Lenders in 2025

Personal loans let you cover almost any expense, from debt consolidation to home improvement, without needing collateral.

florist running a customer's credit card

Why Was My Credit Card Declined? 8 Possible Reasons

Your credit card may be declined due to suspicious purchases, merchant holds, or maxing out your card. Call your provider to resolve the issue.

a happy woman celebrating

Best Quick Loans for Emergency Cash

Emergencies can pop up at any time. What can you do if you don’t have the cash to cover them? Plenty of people are in the same boat. The Fed’s 2023 Economic Well-Being of U.S. Households found that one in four Americans cannot cover a $400 emergency.  Quick loans can be your saving grace. You […]

a barista holding a notepad smiling

Need Money Now? 14 Ways to Get Cash Fast

From time to time, everyone needs a little extra to tide them over till payday. It could be due to unexpected expenses, medical bills, or even the higher cost of living with inflation. It doesn’t matter why. Take a deep breath. There are plenty of ways to get your hands on some extra cash.   […]

woman on phone using a cash advance app

Easy Cash Access Anytime with Cash Advance Apps

Cash advance apps provide quick access to cash before your next paycheck.

a couple lying on the couch

How Can A HELOC Help When You’re Short On Cash?

A home equity line of credit (HELOC) allows you to borrow against the value of your home to access cash.

father and son drinking coffee at home

Beware of 10 Credit Score Myths That Can Cost You

Discover the truth behind 10 credit misconceptions and how to boost your score.

a man driving his car

Get Out of a Car Title Loan and Keep Your Car!

Negotiate with your lender or refinance your loan to avoid defaulting and keep your car.

a couple hugging their dog

You Can Build Credit By Paying Rent

Rent reporting services ensure that your payments appear on your credit report, which can boost your score.

woman upset reading papers

What Happens If You Cannot Repay a Payday Loan?

Before defaulting on a payday loan, try to negotiate a payment plan or settle the debt.

woman in her kitchen

Can I Pay My Rent With a Credit Card?

Paying rent with credit cards can be convenient, but high processing fees and interest rates often outweigh the benefits.

a mother and child in front of Christmas tree

4 Ways Holiday Spending Can Damage Your Credit Score

Holiday expenses can add up fast and damage your credit score if you’re not careful.

a shocked woman looking at her phone

Red Flags for Personal Loan Scams You Shouldn’t Ignore

Personal loan scams are when a criminal poses as a lender to steal your money or identity.

a woman looking at her credit card concerned

Can You Pay a Credit Card With a Credit Card?

Paying a credit card bill directly with another card isn’t possible. You can use a balance transfer, though.

a woman looking at three credit cards

Use A Personal Loan To Pay Off Credit Card Debt

Using a personal loan with a low fixed interest rate to pay off high-interest debt could save you thousands.

a woman gazing up from her laptop

Knock Down These 7 Roadblocks to Good Credit

A bad credit score isn’t set in stone. With the right steps, you can overcome challenges and improve it.

an excited woman at laptop

Personal Loan Offers for Fast Cash

Personal loans can be used for anything from repaying credit card debt to covering medical expenses.

woman online shopping on couch holding credit card

Best Way to Build Credit With a Credit Card

Credit cards are a convenient payment system that can also boost your score when used responsibly.

man holding his credit card smiling

You Can Lower Your Credit Card Interest Rate. Here’s How

Lowering your credit card’s interest rate can be as simple as calling your provider, but it may require some negotiation.

mother and daughter in a car

High Car Insurance? Easy Steps to Switch and Save More

Comparing car insurance quotes can help you save 5% to 30% or more on your annual premium.

hundreds of dollars

Check Out Your Personalized Loan Offers

Are you searching for personal loan offers? We can help you find the right one for you. Personal loans are a popular way to get extra cash when you need it most. They are flexible and can be used for a variety of purposes, including debt consolidation, medical bills, or car repairs. Lenders generally offer […]

a couple filling out a personal loan application

Loans After Bankruptcy: What You Should Know

You can get a personal loan after bankruptcy, but it will cost you.

a happy older woman reading papers

$2,500 Cash Loans – Easy Approval, Flexible Terms!

Looking for a $2,500 cash loan with easy approval and flexible terms? Whether you need to cover an emergency expense, medical bills, or fund a significant purchase, finding the right loan can make all the difference. With lenders offering streamlined application processes and fast funding, securing a $2,500 loan is simpler than you might think.  […]

a happy woman holding a paper

$1,000 Instant Loans – Apply Today, Get Cash Tomorrow!

Unexpected expenses can take a serious toll on your finances. For many Americans, coming up with $1,000 on short notice isn’t easy. If you need to borrow $1,000 instantly,  it’s very important to consider your options carefully. With plenty of ways to access $1,000 quickly, choosing the right loan can feel overwhelming—especially if your credit […]

a woman reading papers smiling

Find Your Perfect Loan – Any Amount, Any Time!

Finding the right loan can feel overwhelming, but it doesn’t have to be. Whether you need a small sum to cover unexpected expenses or a large loan for a significant purchase, there’s an option out there for you. The key is to find the best lender with the most competitive interest rates and terms. It […]

an excited couple getting a loan

Find $500 Fast – No Credit Check, No Waiting!

A quick $500 can be a lifesaver when emergencies pop up, and you don’t have the cash to cover them. Plenty of people find themselves in that position. In fact, the Federal Reserve estimates that 37% of Americans can’t cover a $400 emergency expense. If you fall into this category, it’s important to know where […]

hand holds hundreds dollars

The Best Ways to Get Money Fast

Emergency cash can provide much-needed relief when you’re in a tough financial situation. Whether you find yourself facing medical bills, car repairs, or just need a little extra to get by till your next paycheck, emergency cash can come in handy.  If you have a poor credit score, qualifying for an emergency loan can be […]

woman with phone and coffee

Discover Your Personalized Options Here

When you’re in need of money, finding the right financial solution is crucial. Based on your unique situation, we’ve carefully selected the best offers available to help you secure the funds you need. There’s no need to worry or spend time searching for options—we’ve already done the hard work. These offers are tailored to your […]

mother and daughter embrace on couch

Acima Lease-to-own 2024 Review

Acima offers lease-to-own financing, allowing consumers to acquire products without relying on traditional credit.

smiling woman holds a red credit card

Credit Cards with a $500+ Limit for Bad Credit

Easy approval small limit credit cards can come in handy when you need 500 dollars now.

happy couple

How to Borrow $200 Dollars Now

Quick $200 loans can help you out of a financial jam, but they can be costly.

woman thinking on couch

Cashing Out Your Structured Settlement Now

You have the option to sell all or part of your future payments to receive immediate cash.

couple fill out loan application on laptop

$700 Loan – Borrow From a Direct Lender Today

$700 loans for low credit scores are often designed to be paid back within a few weeks or months.

woman driving car

What Is A Title Loan & How Does It Work?

A car title loan is a type of secured loan in which you use your vehicle’s title as collateral to borrow money. These are short-term, high-interest loans that provide quick access to cash, no matter your credit score. While title loans may seem like a fast solution, they can be expensive and difficult to pay […]

happy couple holds credit card

What Happens If I Only Pay The Minimum Payment On My Credit Card?

What is a reason to pay more than the minimum payment due on your credit statement each month? To avoid accumulating new interest.

woman checking her credit score on her phone

What Is a Soft Inquiry?

A soft credit inquiry does not affect your credit score, unlike a hard credit inquiry.

woman celebrating fixed credit score

How to Fix a Bad Credit Score?

Adopt responsible financial habits, like paying bills on time and keeping your usage low to raise your rating.

woman at desk looking at loans

What You Need to Know About Short Term Loans

Short-term personal loans can be very helpful when you need fast cash, but they are also expensive and risky.

older man, loan paperwork, couch

Need Money Now But Can’t Get A Loan?

If you’re thinking, “I need money today for free,” consider cash advances or community assistance programs that cover emergency expenses and more.

a couple looks at their loan application

Best Emergency Loans of the Year

Emergency loans ensure you can get cash when you need money now, no matter your credit score, but they can be costly.

celebrate payday loan

Can You Get a Payday Loan With No Bank Account

You can get a loan when you’re unbanked, but it may be worthwhile to open up an account first.

woman applies for a loan on couch

Can You Get a Personal Loan Without a Job?

You have options when you need to borrow money without a job.

stressed couple with a 500 credit score

Can I Get a Personal Loan With Around 500 Credit Score?

In an ideal world, we would always have stellar credit scores to back us up in times of financial need. However, life doesn’t always go as planned, and sometimes our credit scores take a hit. If you find yourself in a situation where you have a 500 credit score and need financial assistance, you might […]

woman reading her credit report

What Do Credit Repair Companies Do?

Credit repair companies can give credit scores a boost by removing inaccurate negative marks.

personal loan 100 dollars

We found these exclusive offers for you

When you’re in need of money, finding the right financial solution is crucial. Based on your unique situation, we’ve carefully selected the best offers available to help you secure the funds you need. There’s no need to worry or spend time searching for options—we’ve already done the hard work. These offers are tailored to your […]

couple walking in Ohio

Online Loans in Ohio

Online lenders can provide fast access to cash when you need it most.

Woman at Chicago River in Illinois

Loans for Bad Credit in Illinois

Illinois personal loans can provide quick access to cash with flexible terms.

Hand hold no credit check card

Best No-Credit Check Cards with Instant Approval

If you have limited or poor credit it can be hard to get a credit card. Most card issuers say you need good credit – 670 or above – to get a card. The problem is, to build that good credit you need credit accounts that they won’t give you. It’s frustrating, we know. That’s […]

receive payday loan

I Need $1000 Dollars Now | Where To Get It Online

When looking for a $1,000 payday loan online, choosing the right direct lender is essential.

man playing the violin in New Orleans

Online Payday Loans in Louisiana

Payday loans give you fast cash when you need it most.

woman on horseback in Texas

Online loans in Texas

Texas residents can borrow money online and receive funds in as little as one business day.

smiling man with phone

Here are 3 options to get the Cash You Need

When you’re in need of money, finding the right financial solution is crucial. Based on your unique situation, we’ve carefully selected the best offers available to help you secure the funds you need. There’s no need to worry or spend time searching for options—we’ve already done the hard work. These offers are tailored to your specific needs, […]

hand borrows money

The Best Way to Borrow Money

Everyone finds themselves at a point in life when they need to borrow money. Be it for a new home, to pay for a car, or to start a business. When this happens, you need to know where to look. There are plenty of lenders out there for all credit types, but not all are […]

cash advance app 50 dollar bills

3 Cash Advance Apps That Cover You ‘Til Payday

Life is unpredictable, and sometimes unexpected expenses can throw a wrench into your budget. When you need cash fast and can’t always rely on traditional personal loans from banks or credit unions, cash advance apps can come to the rescue. These apps offer a convenient way to access funds quickly with no interest, no fees, […]

one hundred dollar bill quick cash

Need Emergency Cash Immediately? Best Ways to Get It

We’ve all been there. You have a medical emergency, an unexpected car repair, or simply bills are due and there just isn’t enough money to cover them, leaving you in dire need of quick cash. It’s a stressful situation. You feel anxious, helpless, and desperate to find any way to cover expenses until payday. If […]

woman hiking in Virginia

Online Personal Loans in Virginia

Virginia personal loans provide quick access to funds when unexpected expenses arise.

woman smiles with credit card and laptop

3 Credit Cards with $2000 Credit Limit For Bad Credit

You can find a high limit credit card without a deposit even when you have a poor score.

couple on boardwalk in Delaware

Payday Loans in Delaware

Online payday loans in Delaware offer convenient and fast access to cash but can be expensive.

man signs loan

What is a Signature Loan?

A signature loan is a personal loan that is backed by your word as a promise to repay the money.

friends at the beach in California

Best Personal Loans in California

Your best borrowing option will have a low monthly payment, fast financing, and few fees.

mother daughter Florida ocean

Florida Payday Loans Online

No denial payday loans from direct lenders can be a fast way to secure cash.

older couple on a tablet with loan application

The Best $2,000 Loans

When you need $2,000 by tomorrow and don’t have good credit, it’s important to consider the different types of loans available and compare lenders to find the best one.

a woman withdraws cash at ATM

6 Tricks to Withdraw Money from a Credit Card

You can use your credit card to withdraw funds instantly but beware of the high costs.

a happy young woman on her phone

8 Strategies on How to Build Credit for Beginners

You can start building credit as soon as you turn 18 when you are legally eligible to apply for your first credit card or loan.

cash advance 50s 100s

Need Cash Before Payday? Access up to $750 Per Pay Period

Are you tired of overdraft fees? Do you need a little extra cash to bridge the gap until your next paycheck? Lucky for you, there are cash advance apps that lend you money instantly – no interest, no fees, and no pesky credit checks. When you need funds fast and can’t get a personal loan […]

excited couple hold credit card

How to Apply for a Credit Card So You’ll Get Approved

The best cards for beginners have lenient requirements making them easy to qualify for.

couple shopping with credit card and laptop

5 Best Unsecured Credit Cards for Bad Credit

The best unsecured credit cards for poor scores not only help you raise your rating, but offer affordable terms and conditions.

couple with loan approval paperwork

How Much Would a $500 Payday Loan Cost?

It can be easy to secure a small personal loan even with bad credit but the potential fees can be high.

friends shop online with credit card

3 Best Second Chance Credit Cards With No Deposit

Second chance credit cards let you access the credit you need without a deposit no matter your score.

woman with credit card and phone at cafe

Capital One Quicksilver Cash Rewards Credit Card Review: A Hassle-Free Cash Back Card

The Capital One Quicksilver card provides simple, no fuss cash back rewards on everyday spending.

man on phone with his credit card

Chase Freedom Unlimited® Review: Value on Everyday Purchases

The Chase Freedom Unlimited® card gives versatile rewards on everyday spending.

The Best Ways to Get Money Fast

Emergency cash can provide much-needed relief when you’re in a tough financial situation. Whether you find yourself facing medical bills, car repairs, or just need a little extra to get by till your next paycheck, emergency cash can come in handy.  If you have a poor credit score, qualifying for an emergency loan can be […]

two friends shop online with credit card

What Credit Score Do You Need to Get A Credit Card?

You can get a credit card no matter your score. What your score determines is what cards you qualify for.

hand holds 4 credit cards

4 Guaranteed Approval Cards with up to $1000 Credit Line

Having a low credit score can make things a bit tough, but we have some good news for you! We’ve found a few cards that offer easy approval and high credit limits. Having a low credit score is hard. It can seem like you can’t do a lot of things. But it’s important to know […]

excited woman reading paper

Bad Credit Loans with Guaranteed Approval

While there’s no such thing as a guaranteed approval loan, there are plenty of bad credit loans that come extremely close.

woman with credit card at cafe

Best Unsecured Credit Cards for Bad Credit

There are unsecured credit card options for consumers with low scores.

woman with earbuds looks at her credit card

What’s the Difference Between Secured and Unsecured Credit Cards?

Unsecured cards are traditional credit cards while secured cards require a cash deposit.

woman on her laptop with papers

Best Online Payday Lenders

Online payday loans can be an easy way to get cash in a pinch.

couple in kitchen with papers

Best Direct Same Day Loans

Many lenders can send money in as little as one business day so you can get the loan you need fast.

man doing loan paperwork

How to Prequalify for a Personal Loan

Prequalifying lets you compare loan offers, see your estimated interest rate, and give you an idea of your terms all without any commitment or damage to your credit score.

couple smiles and takes selfie

Where Can I Get Emergency Cash Immediately?

Emergency loans for bad credit can help cover unexpected expenses but many can be costly.

Personal Loan with Bad Credit

How to Get a Loan If You Have Bad Credit

Don’t let a low credit score stop you from getting a personal loan. Personal loans can be lifelines for emergencies, help finance big purchases, or consolidate debt. But they’re not always easy to get if you have a bad credit score. Credit scores span a range of 300 to 850, with scores below 670 typically categorized […]

woman points to her credit card

10 Tips for Getting Your Credit Card Application Approved

Credit card applications aren’t so bad if you know some tips and tricks to make the process go smoothly.

woman holds credit card in front of her face

How Long Does It Take To Get Approved For a Credit Card?

Exactly how long it takes to get approved for a credit card varies depending on the card issuer, your creditworthiness, and the application process.