Bad credit loans online$100 – $5,000All credit types considered
Request your loan
$100 – $5,000 · funds as soon as the next business day, if approved
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- No cost to check
- Terms shown first
- Made for your phone
Your wallet is honest even when the bank isn't kind.
BluffWallet is not a lender. One request for $100 – $5,000 goes to a network of lenders, and each one shows its terms before you agree.
This month, maybe?
Turned down lately?
- A funeral out of state.
- Work boots that finally gave out.
- Payday is Friday. It's Monday.
- Gas money runs out Wednesday.
- An ER copay you didn't plan for.
- The car needs a part before Friday.
One request for $100 – $5,000 to lenders in our network. Some lenders fund as soon as the next business day, if approved.
Review my optionsHow it moves
How BluffWallet works
No branch visit. No paperwork pile. Just your phone.
- 01
Request
Pick an amount. Answer a few questions. A few minutes, start to finish.
- 02
Match
Lenders in our network review your request on their own terms.
- 03
Decide
Read any offer's rate, fees and dates. Accept it, or don't.
Speed, honestly
How fast funding really works
- Your requestA few minutes on your phone.
- A lender's answerOften within minutes. Sometimes longer.
- The depositAs soon as the next business day, if approved.
- WeekendsBanks pause deposits. Plan for the next business day.
Bad credit loans online
Cliffs and clear water.
One request reaches lenders in our network. Each shows its terms up front.
Before you start
Who can send a request
You'll usually need
- To be 18 or older and living in the US
- Regular income from work or benefits
- An active checking account in your name
- A phone number and email you use
Good to know
- Checking your options costs nothing
- Bad credit doesn't stop a request
- APRs vary by lender and can be high, sometimes over 200%
- Availability and terms vary by state
Questions
Bad credit loans online, explained
What do I need to apply?
You need to be 18 or older and a US resident, with regular income, an active checking account in your name, and a phone number and email you use.
Can I get bad credit loans online with bad credit?
Lenders in our network consider all credit types. A lower score can mean fewer offers or different terms, and approval is never certain, but it does not stop you from sending a request.
Is BluffWallet a lender?
No. BluffWallet is a referral service, not a lender. We pass your request to lenders in our network, and any offer comes from the lender, on the lender's terms.
How much can I request?
Anything from $100 to $5,000. A lender may offer a different amount after its own review.
Will a lender check my credit?
A lender may run its own credit check as part of considering your request. Each lender explains its own process before you agree to anything.
How fast could funds arrive?
That depends on the lender and your bank. Some lenders fund as soon as the next business day, if approved. Any offer shows its timing before you agree.
Try a real option.
One request. $100 – $5,000. Lenders in our network take it from there.
Check my options