What is a A bad credit lenders list ?
A bad credit lenders list is a compilation of financial institutions, private lenders, or online platforms that specialize in providing loans to individuals with low credit scores or negative credit histories.
The list of lenders that cover bad credit scores usually categorizes lenders by country or region, making it easier for borrowers to identify who is willing to work with them despite their financial difficulties.
In countries like the USA, UK, and Canada, bad credit lenders lists are widely used because these markets have large populations dependent on credit for daily living, emergencies, or business needs.
The role of a bad credit lenders list is twofold: it serves borrowers by increasing transparency and guiding them to realistic options, and it benefits lenders by connecting them to a target audience that may otherwise struggle to find them.
LIST BAD CREDIT LENDERS (USA, UK, CANADA)
Here’s a curated list of lenders and financial services offering personal or startup loans to individuals with bad credit in the USA, UK, and Canada:
United States – Bad Credit Lenders
- LendingPoint – A fintech lender that evaluates the borrower’s overall financial health (credit score as low as ~500 considered) and provides personal loans based on employment and earning potential, not just traditional credit metrics.
- Integra Credit – Offers installment loans, personal loans, and lines of credit while explicitly looking “beyond your credit score.” They provide fast online decisions and flexible repayment options. integracredit.com
- Self-Help Credit Union (Center for Community Self-Help) – A community development financial institution (CDFI) offering responsible loans for underserved borrowers, including those with poor credit or limited history.
United Kingdom – Bad Credit Lenders
- 118 118 Money – A direct lender offering short-term personal loans specifically for individuals with very poor credit, including those previously declined elsewhere. 118 118 Money
- Evlo (formerly Everyday Loans) – One of the few remaining UK lenders serving subprime borrowers, often those unable to access mainstream bank credit, albeit with high APRs.
- Norwich Trust – A direct lender specializing in unsecured loans for those with bad credit, providing manual assessments and offering affordable repayment options within set criteria. norwichtrust.co.uk
Canada – Bad Credit Lenders
- Magical Credit – Provides bad-credit loans to Canadians, assessing eligibility by looking beyond credit history—accepting alternative income sources such as unemployment benefits, maternity leave, or pensions. magicalcredit.ca
- Borrowell – A platform that helps Canadian borrowers find loan offers from lenders specializing in bad credit. Matches users with compatible options based on their credit profiles. borrowell.com
- goeasy Ltd. (easyfinancial) – Operates leasing and personal loan services targeting non-prime borrowers. Offers installment loans and rent-to-own financing solutions for those with poor credit.
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