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Borrow Money Online Today

Is Bad Credit Holding You Back From Obtaining A Loan? Harpsey Can Help!

Applying for bad credit loans with Harpsey is simple and stress-free – use our free online application form in less than 5 minutes to be approved for a bad credit personal loan on affordable terms.

Our loan providers offer loans of between $100 to $35,000 to bad credit applicants with flexible repayment options (from 1 to 60 months). Apply now and get a free quote.

Where Can I Borrow Money Today?

At Harpsey, we have a network of lenders that offer bad credit loans across the whole of the US. We can connect you with a lender that is close to where you live and can process your application quickly and efficiently. Funding is usually made available within 24 hours on competitive terms.

Check out the states we have a dedicated loan service offering in:


Is your debt less than your income?

This is often referred to as debt-to-income ratio. Lenders like to see debt at less than 40% of your income on a monthly basis. This helps to support your ability to meet the repayment requirements.

Cash Flow

Is your income readily available and accessible on a regular monthly or more frequent basis?

If it is, this will give the lender comfort you can make the repayments as they fall due for the amount you wish to borrow. If your income is only available at certain infrequent points in time (such as every 6 months or longer), this may raise concerns for certain lenders.

Does Harpsey Let You Borrow Money With Bad Credit?

Unfortunately, we can’t give you a 100% guarantee that you will be approved for a bad credit loan. However, we will do our best to match you with the lender who is best suited to your requirements and is most likely to approve you.

Our service enables borrowers to put their application into our bespoke lending system where we target lenders most suitable for each borrower. That means you don’t have to waste time and effort applying for multiple loans with different credit unions and other loan providers. We do the hard work to match you with the right lender. Our service is free and does not affect your credit score because of the soft credit check search system we adopt.

How Quickly Can I Borrow Money Online?

Usually, a bad credit loan can be transferred to your bank account within 24 hours of approval. Harpsey can sometimes even offer same day loans to borrowers within just a few hours.

It is worth gathering your documents to make the process as fast and efficient as possible. Have your social security number to hand, proof of employment and proof of income.

This is usually in the form of a pay stub but lenders do accept other documentation. The process is generally very fast because qualification is based on 3 main things – income, cash flow and credit score.

Can I Borrow Money Today With No Credit Checks?

If you are wanting to borrow a large loan and have a bad credit score, you may be able to offer up collateral as part of the application. This might be a car, house or other property. This reduces the risk for the lender as they have security if you default on the loan repayments and place less reliance on your credit score.

Other assets such as a separate savings or investments account may be used as security for a very large loan.  Often this process can take a bit more time to finalise the loan.

Where Can I Apply To Borrow Money Now?

A bad credit loan can be structured as an installment loan if a borrower wishes to spread the cost of the repayments into more manageable chunks over a longer period of time.

This is an effective way for borrowers to manage the loan repayments and puts less pressure to repay the loan in one lump sum or over a very short period where cash flow might be an issue.

Installment loans often contain the option of repaying the loan back early if circumstances change during the period of the loan. This has the benefit of reducing interest on the loan. It is always a delicate balance to strike to ensure the duration of the loan is long enough to make the loan affordable but borrowers take into account the amount of interest they could save with a shorter period.

Why Choose Harpsey To Borrow Money Today?

  • Quick simple online application
  • Matched lenders with competitive and flexible repayment options
  • Transparency of fees and rates
  • Decision straight away and fast funding
  • Accessible customer service
  • Bad credit considered


Although you can get a variety of loans online, the more popular options include payday loans, cash advance loans, and installment loans.

Most people who borrow money online choose to do so because of the convenience, speed, and access to a wider range of loan products. Online borrowing can also be more accessible to people with bad credit, with some lenders even specialising in helping people with bad credit.

Some online lenders charge high interest rates and fees or engage in predatory lending practices. Harpsey aims to reduce this risk by filtering through a wide range of loan products to find you a lender who can offer fair prices.

This will vary by lender, but it usually includes information including your name, address, social security number, employment information and income.