5 Best Bad Credit Loans In California In 2022

The topic of bad credit loans in California may seem odd as the golden state is mostly known for its flashiness and hip lifestyle. From the glamour of Hollywood to the eliteness that is Silicone Valley, many assume California to be a neighborhood for the rich. While many residents live amid this glamour with the added benefit of great weather, they are not immune to the money problems most Americans face. One might think that living in this prime location means making a lot more money. For this reason, we have done all the work for you by creating this article on California’s best bad credit lenders. Through thorough research, we have made a list that you can be confident in, whether for a personal loan, an installment loan, or a payday loan.

Top 5 Bad Credit loans In California In 2022

This financial difficulty could understandably lead to bad credit history, which is where bad credit loans come in. Being able to access loans in California with poor credit could help manage a bad situation and prevent something worse from happening.
  • Money Mutual – Overall Best Bad Credit Loans In California, Editor’s Pick
  • Bad Credit Loans – Top Rated Loan Provider For Bad Credit Loans
  • Rad Cred – Most Affordable Lenders For Bad Credit Loans
  • Personal Loans – Fast Approved Bad Credit Loans Provider
  • Cash USA – Easy Online Cash Advances For Bad Credit Loans

#1. Money Mutual – Overall Best Bad Credit Loans In California, Editor’s Pick

Money mutual is a platform that allows a network of people who want to borrow and lend money. It allows people who want to borrow money to connect with people who want to lend them money easily. You can pick the offer that suits you best and get access to the money in less than 24 hours. Money Mutual is not the lender or involved in the lending process. You can enjoy all these online for free and easily. Their form could take you as little as five minutes to fill. They allow you to borrow a large range of money from your lender, which is $200 -$5000. This form you fill out is provided to your lender, who might be able to help you with your request. They use this information to decide whether to help you or not. If they decide to help, they can deposit the money directly into your account. Also, when you find a lender, they will be the ones to send you the terms of the loan. These terms include the interest rates, dates for repayments, and other important information. Not all lenders will offer the same type of loan and terms, so if you do not agree to the terms, you can refuse it and find a lender with a more suitable offer. One thing that has increased their reputation is how safe it is to use them. They were founded in 2010 and have been providing quality service to its customers since then. The great thing about them is that even people with a bad credit score can take personal loans.


Quick Process: Some problems have a time frame in which you must come up with the money. In a case like this, you can’t afford to go through any long process to get money. Money mutual helps in such situations with a quick loan process. The first thing you have to do is fill in a form. The next thing is for your lenders to decide if they would like to cooperate with you. Lastly, the lender will make you an offer you can agree to or decline. If you agree to their terms, you can get the money into your account within 24 hours. Legitimacy: Money mutual has been used and trusted by over two million customers. They also have a secure process and site and do not interfere in the lending process except to put you in touch with the lender. Their site is also encrypted with Norton 256-bit to protect all your information. Low Credit Requirement: Unlike many other platforms, Money Mutual does not care about your credit score. This way, even people with a bad credit score can get paired with a lender to take loans when needed. This might result in increased interest but isn’t a problem. The lender is aware of this, and you can accept terms with long-term payment methods to make things easier. Mutual Agreement: When you get a lender, they will tell you their terms and conditions, which you can agree to or decline. This way, there will be no future conflict with your money lender.


  • Wide range of amounts you can borrow
  • User-friendly interface
  • You can receive money within 24 hours
  • Reliable brand
  • Well encrypted site


  • Available to only U.S residents
=> Click here to visit the official website of MoneyMutual

#2. Bad Credit Loans – Top Rated Loan Provider For Bad Credit Loans

Bad Credit Loans is a platform also aimed at helping those with a bad credit score in their time of need. It was founded in 1998 and works by connecting those willing to lend money to those wanting to borrow it. If you do not get a lender through their platform, they have a method to ensure you still get a loan. They have an extended network of third-party non-lender lender networks to which they will show your inquiry. They can help you get a lender in one of those networks. It is important to know that Bad Credit Loans are not the lenders of money. They only help contact a lender. With this in mind, when you get a lender, you should review the terms well before agreeing. The lender will be the one to give you the loan fees, APR, repayment terms, and other important information. You should read all agreements carefully to avoid making any costly mistakes. Also, loans have a minimum repayment term of 90 days and a maximum of 72 months, but not all lenders can offer these rates. Personal loans have rates between 5.99% and 35.99% APR but might vary with the lender.


Security: When you fill out the online form, you will be required to give some of your personal information, which should not reach unauthorized individuals. To ensure this, they offer high security and privacy measures. You can also check their privacy policy on their website to get more useful information. Application process: They have a stress-free online process to apply for their loans. All you have to do is fill out the online form, and then you will be connected to several lenders who will check your requests. When you get a lender, they will give you an offer for you to review. If you accept it, you will be required to agree to the terms by using an e-signature on the contract. The lender will then give you the funds after this process is completed. Requirements: Some measures are implemented to ensure you can pay the loan back. Not just anyone can use Bad Credit Loans. There are a few requirements you will have to meet. You must be a legal resident of the USA and be at least 18 years old. You must also have a valid email address and phone number. Also, you must have a regular source of income. This is to show that you are capable of fulfilling your repayment. Other services: In a situation where they cannot find a loan offer for you, Bad credit loans will still try to help out. They may help you to find debt relief offers, credit repair, and other services or products relating to credit.


  • Free to use
  • Allow bad credit score
  • Several loans offers to choose from
  • Quick money transactions
  • Uses data encryption technology


  • Credit history affects the maximum loan amount
=> Click here to visit the official website of BadCreditLoans

#3. Rad Cred – Most Affordable Lenders For Bad Credit Loans

Rad Cred stands out for its simple, innovative structure for connecting you to the best lenders, notwithstanding credit scores. You can access payday loans as well as longer-term loans for various uses. They connect you to only the top lenders in the industry that are vetted and trusted. From the loan providers you access with Rad Cred, you can take out loans for things like vehicle purchases, debt consolidation, purchases of necessities, and more leisurely activities like going on a vacation or renovating your home. Basically, you can do almost anything you need money for with the loan. In addition to all this, Rad Cred offers its services for free so that you are not burdened with satisfying your financial needs, paying back the loan, and paying them as well. Essentially, with them, you get to skip all the hard parts of borrowing money and focus on the good stuff like actually getting your money. Furthermore, Rad Cred has great speed and security. You can be sure that they will connect you to the lender safely and that your details are safely transmitted. More than this, you can also get the money in your bank account as fast as one day after approval. All these and more make the borrowing process with Rad Cred enjoyable.


Simple Interface: Rad Cred simplifies the borrowing process, and you get a whiff of this the moment you land on the homepage of their website. On arriving, you are met with a minimalistic page design that manages to contain all the information you need at a glance without getting overwhelmed. Quick Online Application Form: One of the most stressful things about banking and money lending is the many forms and documents you must fill out. Rad Cred makes the process pretty straightforward with its easy-to-access application form. It does not require much information, nor does it take a long time to fill out. After all, the sooner you submit the form, the faster they can match you to a lender. They understand this, so they only ask for the essential information to help them find the perfect lender suited for your needs. Trustworthiness: Few money lending sites have all the traits of trustworthiness that this one has. And, as you probably know, you should only be involved in financial transactions with and through trustworthy channels. It is a member of the Online Lenders Alliance (OLA) and the Community Financial Education Foundation (CFEF). It is also certified by TrustedSite, and your connection to their site is always secured. Few Requirements: Rad Cred makes it incredibly simple to get loans. You simply need to fill out their straightforward application and fill in some minimum requirements. It takes away the stress and nervousness of making a bad credit loan. You need not worry much about your credit score since they match you to a compatible lender. The only thing is that you need to be up to 18 years old and have a stable income.


  • Easy-to-navigate website
  • Straightforward application
  • Transparent process
  • Responsive customer care
  • Fast funding


  • Extremely low credit history might lead to very high-interest rates
=> Click here to visit the official website of RadCred

#4. Personal Loans – Fast Approved Bad Credit Loans Provider 

Like all the other top-rated lending service providers on our list, Personal Loans meets is a reputable site that connects lenders to customers safely and securely. Perhaps, its most unique feature is the size of loans it allows despite a bad credit score. Naturally, the higher loan amounts go to people with better credit scores, but it still provides you a wider range than most providers would. The process is instant and smooth such that you can maintain real-time communication with the lender to facilitate the quick approval of your loan. In addition, the site takes the privacy of its customers as its top priority. Since they pass your information to the lenders, they have a privacy policy that protects you. Furthermore, their website is secure, so any information you fill is safe and inaccessible to third parties. They have safety information on their website to help you borrow money safely. They advise you to check all loan requirements and terms before accepting any loan offer. Lastly, another great thing they do is to share your information safely with other partners if you don’t get offers from their lenders. This way, you’ll still access financial services like debt relief, credit monitoring, repair, and other services. They provide you with all these services and more for free.


Wide Loan Range: Unlike other loan providers, Personal Loans offers you larger sums of money notwithstanding your credit report. The loans are still slightly limited, but you have greater access than most. They connect you with lenders that you can borrow from $1000 to $35,000. This is great if you have an emergency need that requires a lot of money urgently. Also, they credit your account quickly so it can meet your needs. Competitive Rates: Personal loans have access to many loan providers. Their network is very wide, and they aim to bring you nothing but the best personal loans. As a result, their lenders provide competitive rates, and even if you don’t get what you want, they work with other third-party lender networks. So, you have access to many providers who want you to use their services. Informative Website: Personal Loans have a very comprehensive website that contains a lot of beneficial information concerning taking personal loans. They have detailed explanations of what an Annual Percentage Rate (APR) is with sample calculation breakdowns. Their FAQ section also contains detailed answers to most questions you could have. In addition, you can contact them by post, email, or phone number if you have further questions. They are responsive and willing to guide you smoothly through the borrowing process. Repayment Terms: They have a wide range of repayment periods, from short 90-day periods to as long as 72 months. The ones you will have access to will be affected by things like your credit history, income, and other things. However, you can expect fair terms considering the numerous lenders you’ll have access to through their platform.


  • Large loan amounts available
  • Easy requirements
  • Access to other financial benefits
  • Detailed info on the website
  • Receive funds next business day
  • Guided bad credit loan application process


  • Might take a while to get a loan offer with very bad credit
=> Click here to visit the official website of Personal Loans

#5. Cash USA – Easy Online Cash Advances For Bad Credit Loans

Cash USA has a majority of positive reviews by its users/customers. Many laud it for considering people of all levels of creditworthiness. While the loan amounts range widely depending on your credit history, it works so that you can be sure there is something for you no matter your poor credit. They are a reputable brand, so your data and personal information are safe with them. They endeavor to provide great services for people with bad credit, allowing you to tailor your application to your specific financial situation. This will allow you to get matched with lenders that are right for you. Furthermore, Cash USA provides different types of loans. They provide installment loans, payday loans, and personal loans for practically anything you want to do. In addition, they can connect you to offers of credit repair, debt relief, debt consolidation, and so on. Amounts you can receive range from $500 – $10,000, and the money can be deposited in your account as fast as the following working day. In addition to fast loan approval, you may have your cash in hand just a few days after applying in some cases.


Clearly Outlined Procedure: As soon as you land on their page, you meet the outline of steps for getting a loan there. It is very straightforward, and a prompt on the page lets you know where to start. The process is uncomplicated, fast, and transparent from beginning to end. Fast Loan Offers: Another great thing about Cash USA is that you can get your loans approved quickly. While other sites may take days or several weeks to approve your loan application, their process is relatively fast, and many times, you’ll get your response quickly. In very quick cases, you may get your application approved the same day you apply. This is, of course, if you meet your lender’s requirement, and it is not in all cases that you will get same-day or very fast loan approvals. However, your chances are higher with Cash USA than with most. Social Media: You can contact Cash USA through the regular channels of phone number and ema. However, in addition to that, you can also reach them through social media. They have Facebook and Twitter pages you can follow and interact with, making them a little more accessible. This is something that cannot be said for a lot of lending platforms putting Cash USA one step further. Tribal Lenders: In addition to regular state-licensed lenders on Cash USA, you can also access tribal lenders. The advantage of this is that you may get more money than on the average and they will, more likely than not, not check your credit score. So if you are unemployed or in a sketchy financial situation, you may still be able to get some money to salvage your situation. The only thing is that you may be subjected to higher interest rates than average. But it might be perfect for you if you just need some quick cash.


  • Minimum loan amount of $500
  • Fast loan approval
  • Fast payment improves your credit score
  • Adheres to state policy concerning privacy and loan renewal
  • Works with highly reputable lenders


  • Maximum loan amount is not that high
  • Minimum monthly income amount
=> Click here to visit the official website of CashUSA

How We Made This List Of Best Loan Companies In Califronia?

The abundance of lenders in the online space has made the waters murky when searching for great online lenders. As such, we had to develop our objective criteria for shortlisting the top five organizations that made it to our list. Our process started with a compilation of the numerous organizations for consideration. We quickly knocked out the ones that seemed shady or suspicious to narrow our list for deeper research. The knockout removed lenders with bad reputation, and when we had a much more concise list, we used the criteria further highlighted below to make the final decision.

What We Looked For?

Some of our shortlisting criteria include:
  • Loan Terms: We know that things are pretty tight for you to be taking a bad credit loan, so our priority was finding loans that did not come with very tight terms for approval and payback.
We compared the costs, like their interest rates, whether they offer unsecured personal loans, payback terms and times, loan amounts, the loan origination fee, and other miscellaneous costs. We have shortlisted the best bad credit loans, all these considered.
  • User-friendliness: We preferred firms that made the application process as stressless as possible. Things like online questionnaires to check qualifications, a fast online application process, and several avenues for reaching them are what we looked out for.
We also favored sites with mobile app alternatives for easier management of the payback process. Finally, our shortlisted top lenders have helpful financial tips and literacy advice on their site that you might find helpful as someone with bad credit.
  • Customer Ratings: When it comes to taking loans, the priority is that it serves the customer well. We researched independent rating sites to ensure users of our recommended money lending sites have had favorable experiences with them.
Naturally, there were complaints, but we researched complaints to ensure they were not for extremely grievous issues. We also looked at the volume of complaints to recommendations to make sure that the firm had more positives than negatives. In the end, we shortlisted only online lenders with encouraging ratings.
  • Fast Delivery: We understand that you might be in a dire situation taking out a bad credit loan. As a result, we searched for lenders that credit you as soon as the same day of your approval or the following business day.

Things To Consider Before Taking Bad Credit Loans In California: Buying Guide

Here are a few important things to know, ruminate on, and ask yourself before you take the big step of applying for a bad credit loan.
  • Your Income

It goes without saying that you should think of ways to repay the loan before you even take out the loan. Taking out a loan based on promised future remuneration or gift by someone is a bad idea. You should only take out a loan that your monthly income can pay back in installments. And that is after factoring in taxes and expenditure. A good way to avoid taking out a bigger loan than you can manage is by creating a monthly budget if you don’t have one. Examine how much you spend on survival and how much you can afford to drop monthly to service your debt. Then, you can work with that amount when you are looking for bad credit installment loans.
  • Secured VS Unsecured Personal Loans

Secured personal loans are basically loans where you have to drop some form of collateral in order to get the money you are loaning. It is usually required when taking out a large amount of money as a loan. This collateral is usually one or more of your assets, such as your car or house. The idea behind it is that if you fail to pay as when due, your creditors can take the property. On the other hand, unsecured loans are more common for loans of smaller amounts, but the terms may be a little bit tighter. It is important that you go through your lender’s requirements thoroughly to make sure that you are choosing the right type of loan for you. You can also seek professional financial advice to ensure you’re not deciding wrongly.
  • Compare Fees

Due to the saturation of the online lending market with many different platforms, many competitive offers are available. Be sure to check with different platforms to see their offer so that you can choose the best of everything. Some great platforms like the ones reviewed above offer their services at no fees.
  • Applying For Too Many Loans Simultaneously 

Several times, applying for many loans within a short period could affect your credit negatively. Therefore, you should abstain from such behavior. When potential lenders pull your records to assess whether or not you are a good candidate to lend money, they usually leave their footprints. This means that other financial services are usually able to see that action in your credit history. This is called a ‘hard credit check.’ When hard checks are repeatedly seen on your history, it could signal that you are a high-risk candidate and negatively affect your credit score. Since there is no repayment, most lenders will be able to decipher that these loans were not approved and many of these unapproved loans in a short period is usually a bad sign for them.
  • How Much to Borrow

Borrow only an amount you can conveniently pay back with your monthly income. At the same time, you should not take out a loan that does not meet the need you borrowed the money for a while, paying a lot of interest on the loan. Generally, you should not spend more than 40% of your monthly income repaying debts. These debts include payments for mortgages, vehicle loans, and other personal loans. Practicing good financial habits can help grow your credit score well. If you need financial advice, you may be able to get free financial advice at the bank or other government-accredited financial institutions. You can also use the free financial resources available online and on the websites of most top-tier online financial providers websites

FAQs About Bad Credit Loans In California

What should I do if I cannot pay back my loan?

Most people who find themselves in this situation ignore the problem rather than face it head-on and try to tackle it. The thing is that most lenders understand the risk involved in giving out bad credit loans. They know that you may not be able to pay it back as when due and as such most are willing to work out a way to help you. If you reach out to them, you may be able to negotiate a new payment structure that will suit your income or budget. Failure to contact them, however, can lead to a lot of extra costs incurred, loss of property if you used any as collateral, embarrassment, or even legal action. Therefore, you should contact your lender as soon as you realize you cannot repay the loan according to the originally agreed terms.

Is taking online installment loans legal in California?

No laws, rules, or regulations prevent California residents from accessing online loans. However, the California consumer protection laws ensure lenders keep customers’ best interests at heart in their practices. On most websites, there is a ‘Don’t sell my information’ form that California residents can fill. Other laws like the California Assembly Bill 539 and the Civil Code 1789 govern things like short-term loans, their interest rates, maximum payment periods, and fees and interest rates on regular or short-term loans. All these are in place to secure a customer while allowing them access to this crucial service.

What is the easiest loan I can get with bad credit?

Most people with bad credit can get short-term, quick payday loans. These loans will usually have high-interest rates; if one is not careful, one can get stuck in a loop of repayment and debt. Lenders that offer no credit check loans or bad credit unsecured loans usually fall into this category of exploitative lending. It may be better to go for a secured installment loan where you use an asset as collateral. This should be easy to get, even with bad credit. An alternative is a joint loan whereby you apply with someone else with a better credit report. However, many online lending platforms may not allow this option. Most will probably state that you apply with only your own credit information.

Are bad credit loans safe and legit?

There are many safe and legitimate bad credit loan providers in California. However, to find the right one, you must be vigilant and do adequate research. Only go for reputable brands such as the ones we have recommended. These brands have secure sites and great privacy policies that protect consumers. That said, there is always an element of risk when taking out loans; talk more of a bad credit loan. There is a good chance that you may not be able to repay it, which could affect your credit report even more. This is why, before taking out such loans, you should have mapped out a realistic strategy for repayment. Also, find out the lenders’ provisions for late payments or non-payments. If there does not seem to be a way you would be able to pay the money back according to a monthly schedule, you probably should not take the loan. You could look into other forms of borrowing money, like asking friends and family.

Can I get no credit check loans in California?

Some sites claim to offer no credit check loans in California, but not everyone is secure or legitimate. The websites on our list connect you to the lender, who then decides whether to undertake a credit check or not. In most cases, they will, as that would help them decide if they can offer you a loan and how much they can offer you. However, in some cases, the lender may not check your credit as tribal lenders are believed not to. The implication of these no-credit-check loans is that your interest rate would be very high to cover the risk of giving you the money.

Conclusion: Who Is The Best Lender For Bad Credit Loans In California ? 

Life is unpredictable, and you never really know what could come up the next moment. It could be emergency medical bills or maintenance costs you never foresaw. With most Americans not being able to foot a $1000 emergency bill if it comes up, it matters little that you live in California. Being able to get a loan in such situations could be life-saving. However, bad credit could ruin it. This will likely be the case if you go to big banks or financial institutions that insist on good credit score as a requirement to give loans. With online bad credit money lending platforms, you can feel a little bit safer, protected, and considered. Just be careful to go through various money lender requirements to pick the one that is absolutely the best for you. Remember that you are not obliged to accept any offer if you don’t want to. You can also seek credit repair or counseling to resolve issues relating to debt, your bad credit score, and overall financial habits.

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