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The easiest loans to approve would probably be payday loans, car title loans, pawnshop loans, and personal installment loans. These are all short-term cash solutions for borrowers with bad credit who need them. Many of these options are designed to help borrowers who need quick cash in times of need. In addition to offering affordable personal loans, Upgrade simplifies the lending process with a mobile application that allows borrowers to view their balance, make payments and update their personal informati

Upgrade's Credit Heath tool also makes it easy to track your credit score throughout the life of your loan. The improvement increases the accessibility of loans by also allowing co-applicants. There are no specific prohibitions on the use of upgraded loans, other than those already imposed by law. LendingPoint is an Atlanta-based online lender that offers personal loans to potential borrowers in 48 states and Washington, D.

C. Prospective borrowers from eligible states can apply online and benefit from fast funding. While Universal Credit makes finding a personal loan accessible even to those with damaged credit, it has some drawbacks. First of all, it charges a high APR, well above the most competitive rates seen on our list.