Instant Loans for Bad Credit

Instant loans for bad credit are helpful for life’s unexpected twists and turns. It can be stressful when you are in need some of urgent cash. Traditional banks and other lenders won’t grant you a loan if your credit is bad. They even ask why you are borrowing the money.

CASH 1 provides instant loans for bad credit that can meet all your emergency cash needs. We’re an installment loans direct lender which means that you only communicate with us – there’s no third party! This allows us to get you a fast and convenient loan in spite of your poor credit history or having no credit at all. We don’t make you wait for days or weeks.

instant loans bad credit

Benefits of Instant Cash Loans with Bad Credit

  • No Credit Check
    Bad credit is not an issue. Instant loans have no traditional credit check.
  • Instant Approval
    It could take days or weeks to get loan approval from a bank. Instant cash advance loans are approved, well, almost instantly.
  • Easy Requirements
    The requirements for instant cash loans for bad credit are easy to fulfill.
  • Covers your Financial Emergencies
    If it's a cash emergency, you need money as fast as possible. Whether it's to avoid a utility shut-off, an illness or to pay your phone bill, CASH 1 instant loans with no credit check are waiting for you.

How to Get Instant Loans with Bad Credit

  • Apply Online
  • Get Approved
  • Get Your Cash

Our loan services are fast and hassle free because we’re an instant loans direct lender. You get your loan from CASH 1 directly – There’s no waiting to hear back from a third party to see if you’ve been approved for a loan. Applying for online loans with no credit check and instant approval is quick and secure. If you have bad credit and you need cash instantly, follow these steps:

  1. Fill out the empty fields in the  cash loan application above with your first and last name, current phone number, and valid email address.
  2. One of our friendly loan representatives will contact you shortly and help you complete your application. We want your information to be complete so there are no delays.
  3. After reviewing your information, your representative will let you know the amount you qualify for your loan.
  4. You go to your nearest CASH 1 location, present your information, sign your documents and get your cash.

Get Instant Loans in Arizona

  • Title Loans $100-$50,000. A clear title from your vehicle can be used for collateral.
  • Title Equity Loans Are you still making payments? Use the equity you have in your financed vehicle as collateral.

Get Instant Loans in Nevada

  • Installment Loans $100-$1,500. Use your job as collateral, repayable over 90-days with fixed payments.
  • Title Loans $100-$50,000. All you need is a clear title for your car, truck, motorcycle, RV and more.

Instant Loans Requirements:

  • Must Be a Nevada resident
  • Must Be at Least 18 Years of Age
  • Not on Active Duty in Military
  • Open Checking Account
  • Proof of Income
  • Government Issued I.D.
  • At Least 2 Personal References

Instant Title Loans Requirements:

  • A Clear Vehicle Title in Nevada
  • A Vehicle with Equity in Arizona
  • Must Be at Least 18 Years of Age
  • Not on Active Duty in Military
  • Open Checking Account
  • Proof of Income
  • Government Issued I.D.
  • At Least 2 Personal References

What is Bad Credit?

When you get a loan you need to know your credit score. The Fair Isaac Corporation (FICO) credit scoring system ranges between 300 to 800. This number is used to predict your likelihood of repaying your loan. If you know your credit score and it’s below 620, it’s considered to be in the “Bad Credit” range. The average American's credit score is 682.

Here's a Common Breakdown of FICO Credit Scores:
  • 700 to 850 is considered an excellent credit score.
  • 680 to 699 is regarded as a good credit score.
  • 620 to 679 is thought of as an average credit score.
  • 580 to 619 is a low credit score.
  • 500 to 579 is regarded as a poor credit score.
  • 300 to 499 is considered a bad credit score.
What Can Affect Your Credit Score?

Generally speaking, the higher your score; the better loan options you have. Here are the factors that affect your credit score:

  • 35% Payment History
  • 30% Current Debts
  • 15% Credit History
  • 10% Types of Current Credit
  • 10% New Credit Applications
Payment History

There are the three pieces that result in your payment history:

  1. How late your payments are
  2. How many payments you have missed
  3. How long you haven’t missed any payments

If you have not made payments for a certain loan or credit card the main credit bureaus, Experian, TransUnion and Equifax, update that negative mark every 30 days. If you took 2 months to make a payment on that past-due account, your credit report would have a 60 day mark on it. The longer you wait to pay on a debt will reflect on your score negatively. Frequently paying late will also damage your credit score.

Credit Utilization

The amount of debt you have right now accounts for 30% of your credit score. Credit utilization is the percentage of your available credit that you are using. If you always carry high balances on your credit cards, then your score will suffer. High balances indicate to a lender that you are at a higher risk of default. So, keep your credit card balances low and your credit score will raise.

Credit History

How long you have had access to credit isn’t the only factor that determines your credit history. Your payment patterns and how often you apply for new credit also has an impact on your credit history. If you’ve had good credit for a long time, but if you miss a few payments or apply for several new loans or credit cards, this will have a negative impact on credit score.

Types of Current Credit

Having the right balance of credit variety accounts for 10% of your credit score. You would want a car loan, a mortgage, and a few credit cards to show you are using your credit responsibly. Like any great recipe, having the right mix is in your best interest.

New Credit Applications

Opening new credit accounts all at once will have a negative impact on 10% of your credit score. Too many accounts could indicate financial trouble if you’re creating credit accounts at the same time. You should only take on additional credit if you absolutely need it.

Why People Choose CASH 1 Loans

Superb Customer Service

Since 1997, CASH 1 has served the financial needs of Arizona and Nevada residents. We value our customers and provide them with a first-class lending experience. Read our reviews.

When you need emergency cash instantly and your credit score may be on the low side, you should compare your instant personal loans options.CASH 1 is a reliable and secure source for your alternative lending needs. We take great pride in our ability to get you the money you need today.

Instant loans for bad credit from CASH 1 get you money instantly.

For questions about CASH 1 Instant Loans in Arizona or Nevada, please call us at 844-831-4198.