Hardship Loans for Bad Credit

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Key takeaways

Hardship loans can provide quick financial relief during emergencies.
Many online lenders and credit unions offer hardship loans to borrowers with poor credit or thin credit histories.
Always compare loan terms and avoid predatory lenders that charge excessive interest rates and fees.

Losing your job, going through a divorce, or dealing with medical bills can put you in a tough spot financially. If you feel stretched thin and cannot pay your bills, a hardship loan could help you regain your stability.

Before resorting to borrowing to make ends meet, verify that it is the best option. More debt can lead to a heavier financial burden.

Let’s take a closer look at hardship loans and explore potential options.

What is a hardship loan?

A hardship loan is a personal loan that can help you get by when you’re struggling financially. The money can cover unexpected expenses, essentials like rent, or gaps in pay because of job loss. Many nonprofits and credit unions offer hardship loans for individuals facing sudden medical or financial crises.

You often receive a lump sum of $100 to $100,000 that you pay back in equal monthly payments with interest. Repayment terms range from two to seven years, and annual percentage rates (APRs) from 6% to 36%. Generally, the lower your credit score, the higher the rates and fees will be.

Bad credit hardship loans often come with origination fees of 1% to 10% of the loan amount. The lender deducts the money upfront, reducing the amount you receive. You may also be subject to other fees, such as an administrative fee or a prepayment penalty.

Most lenders deposit the funds directly into your bank account within one to two business days of approval.

How do you qualify for a hardship loan?

Qualifying for a hardship loan depends on your income and credit score. Many lenders offering emergency hardship loans understand that applicants are facing unexpected crises. In return, they will review your whole financial picture.

Credit unions and online lenders are more likely to approve applicants with poor credit or limited credit history. They may offer hardship loans for poor credit, no credit check, by focusing more on your current income and bank activity.

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How to get hardship loans for poor credit

Obtaining extremely bad credit loans can be challenging, but taking the right steps can make it easier.

1. Review your credit report

You can get a free copy of your credit report once per year from annualcreditreport.com. Look for any errors or outdated accounts that could be negatively impacting your score.

While you’re at it, check your credit score. Knowing your score helps you understand the loan options that might be available to you. Even with a 500 credit score, some lenders may still be willing to work with you. These lenders would either have low minimum credit score requirements or offer hardship loans with no credit check.

2. Compare lenders that work with bad credit borrowers

Not all lenders treat bad credit the same. Search specifically for lenders that have low minimum credit scores and income requirements. Before applying for hardship loans for bad credit online, compare lenders to find the most affordable option.

One way to do this is to prequalify with a soft credit inquiry. Prequalifying helps you gauge whether you will receive approval and see potential terms and conditions. You can then compare the APRs, fees, and repayment terms before submitting your formal application.

3. Consider a co-signer or collateral

A co-signer with good credit can improve your chances of approval with decent terms. Lenders are more likely to approve you and at a lower rate since your co-signer will pay if you default.

Alternatively, you could offer collateral (like a vehicle or savings account) to secure better terms. If you do not pay as agreed, the lender can seize your asset to recoup their losses.

4. Prepare the essential documents for the application

Having your documents on hand can speed up the process. Most lenders require proof of income, a government-issued ID, recent bank statements, and possibly documentation of your financial hardship.

5. Request a short-term loan for a small amount

Smaller loan requests, such as a $200 loan or a $700 loan from a direct lender, may be easier to qualify for. Borrowing a smaller amount poses less risk to the lender, so they are more likely to approve your application.

Lenders often provide small amounts through short-term money loans. Read the repayment terms carefully and be cautious with fees, as they can be high. Only borrow what you can repay comfortably.

Financial hardship loans to avoid

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When you’re in a financial crisis and desperately need money, it’s easy to fall for loans that promise fast cash with no questions asked. But some types of loans can easily trap you in a cycle of debt.

Here are four financial hardship loans to avoid, even if they seem like your only option.

Payday loans

One-hour payday loans with no credit check are appealing when you’re short on time and money, but be cautious. They often come with short terms, balloon payments, and fees equivalent to triple-digit APRs. Most consumers cannot repay the loan in full by their next payday and have to roll it over or take out another loan. Extending the loan can easily lead to a cycle of debt.

Pawn shop loans

Pawn shop loans offer quick cash by using valuable items (such as jewelry, electronics, or collectibles) as collateral. You may receive a $100 dollar loan without a credit check, but you risk losing your valuables if you can’t repay. Better alternatives exist that don’t involve handing over your possessions for temporary relief.

No-credit check loans

Some lenders advertise no-credit-check emergency loans with guaranteed approval. No-credit-check loans often come with exorbitant fees and questionable terms. Lenders that promise approval or fail to conduct a thorough credit check are frequently predatory. Always be wary of guarantees that sound too good to be true.

Car title loans

Car title loans let you borrow against your vehicle’s title, but they’re extremely risky. They come with high fees, often up to a 300% APR, and short repayment terms. Default on the loan and the lender can repossess your car.

You can get a loan without a job!

Click here for the best ways to borrow while unemployed.

Guaranteed hardship loans for bad credit

While there’s no true “guaranteed approval,” some options are more accessible for people with poor credit. The following emergency loans for bad credit can offer relief, even if you’ve been denied elsewhere.

401(k) hardship loan

When you need 1000 dollars now, you may be able to make a 401(k) hardship withdrawal. Financial needs that qualify for hardship withdrawals include medical bills, expenses related to natural disasters, preventing eviction, educational expenses, and funeral expenses for eligible individuals. Not all plans cover every hardship.

While you can access funds, you will have to pay income tax and may incur a 10% early withdrawal penalty if you are under 59½. A 401(k) loan may be a better option, but you will need to repay the money, plus interest, promptly.

If you take money early from your retirement account, you lower your savings. By reducing your savings, you miss out on possible investment growth.

Can I cancel my 401(k) and cash out while still employed? The answer is usually no. Early withdrawals from your retirement plan are subject to taxes and penalties unless you qualify under specific hardship exceptions.

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Payday loan apps

Cash advance apps offer small loans based on your income and pay schedule. Their purpose is to help cover short-term gaps with no interest and minimal fees. Most don’t require a credit check, but you will need to link them to your bank account.

While payday loan apps are less expensive than traditional payday loans, the fees can still add up if you use them frequently. They’re best for occasional use when you can afford a smaller paycheck.

Payday alternative loans (PALs)

Payday alternative loans (PALs) from federal credit unions are a safer option than traditional payday loans. PALs have lower fees, reasonable interest rates, and more manageable repayment terms. They’re a strong option for people with limited credit history or low credit scores. You must be a member of a credit union for at least one month to qualify, and not all credit unions offer PALs.

Home equity loans or lines of credit

If you own a home, consider a home equity line of credit (HELOC) or a home equity loan. The choice between a HELOC vs a home equity loan depends on your needs.

HELOCs offer flexible access to funds at a variable rate. Home equity loans provide a lump sum with fixed monthly payments. Either way, the interest rate will be lower since your home secures the loan.

These are among the best home improvement loans, but they do require good equity and put your home at risk if you default.

Buy now, pay later (BNPL)

BNPL services allow you to split payments into installments, often without interest, provided you pay on time. The most common model is pay-in-four. You pay 25% of the cost at checkout and the rest in bi-weekly equal installments.

While not traditional loans, BNPL services can help you manage urgent purchases and increase cash flow. Use them judiciously. Making too many BNPL purchases at once can easily lead to overspending and missed payments. Missed payments can hurt your credit and result in fees.

Frequently asked questions

1. Are hardship loans real?

Hardship loans are real. They are personal loans that help individuals facing financial emergencies, such as job loss, medical bills, or unexpected expenses. Banks, credit unions, and online lenders all provide hardship loans. While terms vary, hardship loans often give quicker access to funds than traditional personal loans.

2. How much can you borrow with a hardship loan?

The amount you can borrow depends on the type of hardship loan and the lender. Short-term no-credit-check loans are typically for smaller amounts, ranging from $100 to $500. Online lenders and credit unions offer installment loans for larger amounts up to $100,000.

3. Why consider a hardship loan if you’re struggling financially?

A hardship loan can provide fast access to funds to help you cover rent, utilities, or medical expenses. The idea is to help you cover essential bills without trapping you in a cycle of debt.

4. How can I get emergency cash immediately?

To get emergency cash immediately with bad credit, consider cash advance apps, BNPL services, and PALs. Look for online lenders and credit unions with lenient requirements and fast approval.

5. How can I get money if I’m struggling?

Consider exploring community assistance programs, borrowing from friends or family, or applying for emergency same-day loans. Even with poor credit, some online lenders and credit unions will approve you for installment loans. Additionally, consider selling unused items, taking on a gig job, or contacting a nonprofit credit counselor for assistance.

Bottom line

Whenever you borrow money, it’s essential to have a plan in place to repay it. Even if you’re facing an emergency expense, having a repayment plan is essential. A hardship loan can dig you further into debt if you are not careful. While anyone can borrow the right loan, a repayment plan can make all the difference.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Paycheck Advance is an earned wage access service and is not a loan or credit product.

3. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees. Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

6. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank 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. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

7. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

8. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

9. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.

10. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

11. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.

12. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

13. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.

14. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

15. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

16. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

17. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

18. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

19. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

20. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

21. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

22. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

23. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

24. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

25. 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.

26. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

27. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

28. 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.

29. Money 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.

30. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

31. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

32. 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.

33. 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 Visa debit 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.

34. Tipping or not tipping has no impact on your eligibility for SpotMe®.

35. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

36. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

37. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

38. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

39. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

40. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

41. MyPay is only offered in select states

42. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply.

43. Not affiliated with Empower Annuity Insurance Company of America (www.empower.com). Not everyone will qualify. Offers range from $10-$300 for first-time customers; $10-$400 for all others. Offers are based on our eligibility requirements and can go up with on-time payments. In Feb 2025, the average offer was $95 for first-time customers; $187 for all others. Instant delivery is optional—see fees in Empower’s Terms. Empower offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor's credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor's degree in journalism and an MBA.

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Need Hardship Loans for Bad Credit? Here’s What to Do

Key takeaways

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What is a hardship loan?