Bad Credit Loans — All FICO Scores Welcome
Request $250 to $3000. APR 5.99% – 35.99% for qualified borrowers. Terms 3 – 36 months.
Your Credit History Shouldn't Hold You Back
FundSnappy works with 100+ lenders who consider all credit types. Whether your score is 500 or 800, you can submit a request and get matched with lenders who work with your credit profile.
- All FICO scores welcome — no minimum required
- Lenders who work with less-than-perfect credit
- Submitting a request through FundSnappy does not impact your credit score
- Request $250 to $3,000
- Completely free to use
How Does Bad-Credit Loan Matching Work?
Unlike banks that reject applications based on a single credit score, our lender network may evaluate your full profile — income, employment, banking history, and more. Multiple lenders review your request, increasing your chances of finding a match.
Representative APR Examples
For qualified borrowers. Actual rates and terms are determined by the lender and disclosed before you accept any offer.
| Amount | Term | APR | Monthly | Total Paid |
|---|
| $500.00 | 6 mo | 29.99% | $90.77 | $544.63 |
| $1,000.00 | 12 mo | 24.99% | $95.04 | $1,140.47 |
| $2,000.00 | 18 mo | 19.99% | $129.52 | $2,331.30 |
| $3,000.00 | 24 mo | 15.99% | $146.87 | $3,525.00 |
Frequently Asked Questions
Will submitting a request hurt my credit score?
Submitting your request through FundSnappy does not affect your credit score. If a lender wants to make an offer, they may perform their own credit inquiry, which they will disclose.
What credit score do I need?
There is no minimum credit score to submit a request. We accept all FICO ranges. Each lender sets their own criteria.
Why would lenders work with bad credit?
Many lenders in our network work with borrowers who have lower credit scores. They may evaluate your overall financial picture — income, employment stability, and banking history — not just a number.
Are interest rates higher with bad credit?
APR ranges from 5.99% to 35.99% across our network. Borrowers with lower credit scores may see higher rates, but you'll see all terms before accepting any offer.
FundSnappy is not a lender. Pixel-Motive LLC, DBA FundSnappy, is a lead generator that connects consumers with potential lending partners. Submitting a request does not guarantee approval. APR 5.99%–35.99% for qualified borrowers.