Can I apply for a personal loan with no or poor credit?

The answer is YES!

Many people think it’s impossible to get a loan if you have bad credit. However, at Lift Credit, we want to change that for those in UtahIdahoMissouri and Nevada.

If you have little or no credit, you can still apply and receive a loan. Lift Credit offers personal loans, applying does NOT affect your FICO® credit score.

Why Installment Loans Are a Better Idea Than Payday Loans for Those With Bad Credit

If you have bad credit, a payday loan can seem like a good option. However, payday loans have skyrocketing interest rates. Many people struggle to pay off payday loans and find themselves in a cycle of deeper debt than they were when they first initially took out the loan.

Payday loans also typically have higher fees and payments are due in full within a short 2 weeks. If you’re not careful, you can find yourself taking out more payday loans to pay off past payday loans.

Installment loans are a great option for those with a bad credit score. Applying for a Lift Credit personal loan does NOT affect your FICO® credit score check and doesn’t have as high of interest rates as payday loans. Installment loans can be paid back over a much longer period of time, allowing you to have a more flexible, customized payment schedule that works with your circumstances. 

What Can Your Lift Credit Installment Loan Be Used For?

What Can Your Lift Credit Installment Loan Be Used For?

Why Lift Credit’s Loans Are a Great Option For Those With Bad Credit:

Lift Credit is a financial company dedicated to helping everyone receive the installment loan that they need to get by. The loan approval process is fast, easy, and all online. Even if you do have bad credit, Lift Credit would love to help you! Here are just a few reasons why people want to work with us:


Applying does NOT Affect FICO® Credit Score

Lift Credit’s approval process and loans do not affect your FICO® credit score.


Customizable Loan Payments

Our loans are designed to be paid back over time with a plan that works for you. You don’t have to pay us back all at once like you would if you had a payday loan; but if you would like to, you can without any fees or penalties.

Super Fast Delivery

We understand that you need your cash fast. We’ll transfer up to $5,000 directly into your bank account within the next business day.


Low Rates

We offer some of the lowest rates in the industry no matter what state you live in. 199% is our APR and can be a significant improvement from other payday lenders or short term lending options.


Your Information and Loan is Safe and Secure

Since 2013, Lift Credit has been providing loans to those with all types of credit. Know that because of our expertise, you are in good hands. View our privacy policy here.


Cash Back Rewards Program

With Lift Credit’s rewards program, you receive cash back for making your payments on time. For each on-time payment, you’ll be rewarded 1% of the payment’s interest. Rack up points to receive a gift card from our selection of vendors.

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