Second Chance Loans for Bad Credit
Get second chance loans online from lenders who believe in giving you another shot.
Get a decision in 3 minutes
Online loans from $250 to $3,000
Applications open 24/7
No upfront fees or costs
Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers2. Loan term lengths from 3 to 36 months for qualified consumers.
Why Choose Yup Loans for Tribal Loans
Instant Online Application
No need to apply to multiple lenders. Just fill in one quick online form and we’ll match you with a loan option suited to your situation, no matter your credit score³.
Fast Access to Funds
When bills can’t wait, neither should you. Once approved, your loan could hit your account as soon as the next business day*.
We Like to Say Yes
Your credit history doesn’t tell the whole story. Our lenders look beyond your score, giving you a real second chance to get the funds you need.
How Second Chance Loans Work
Second chance installment loans are designed to give you another shot when traditional lenders say no. Much like traditional payday loans, these are personal loans for bad credit that can be used for almost anything, from urgent bills to everyday expenses.
Instead of focusing only on your credit score, our lenders look at your current situation to offer options that fit your needs. If approved, you’ll agree to repay the loan over a set period, with fixed terms that are clear from the start⁴.
The application is 100% online and only takes a few minutes. No paperwork, no waiting in line, no judgment. Just a simple way to access the funds you need, even if you’ve got poor credit ³.
3 Easy Steps to Get a Second Chance Loan
1
Apply Online
Fill out our quick form. It only takes 3 minutes¹ to get started.
2
Loan Offer
We’ll connect you with a second chance lender based on your needs. Review the offer and decide if it works for you.
3
Receive Funds
Once approved, money could land in your account as soon as the next business day*.
What Can You Use Second Chance Loans For?
Second chance loans can be used for just about anything life throws your way. Whether it’s an emergency expense or a shortfall between pay checks, we’ll help you find a loan that fits.
Here are some things second chance loans can help with:
- Paying bills
- Car repairs or maintenance
- Medical or dental costs
- Emergency travel
- Home repairs or replacements
- Everyday essentials
- Debt consolidation
- School or childcare expenses
Reviews
Tasha, Cleveland, OH5: “I was nervous to even apply, but the process was fast and judgment-free. I got a fair loan offer and could finally cover my rent, giving me the fresh started I needed.”
Darren, Tampa, FL5: “I’d been turned down by two banks because of my credit score. Yup Loans found me a second chance lender within minutes, and the money was in my account the next day. Total lifesaver.”
Second Chance Loan FAQs
Can I get a second chance loan with bad credit?
Yes. Our panel includes lenders that offer second chance loans to borrowers with low credit scores. They look at your current financial situation, not just your credit history³.
Will a second chance loan help improve my credit?
Second-chance loans may help rebuild your credit. Making on-time payments as per your loan agreement’s terms and conditions may positively impact your credit score over time. Just make sure you fully understand the terms before accepting any offer⁴.
Are second chance loans available online?
The entire loan application process as Yup Loans, from your initial application to loan offer, is 100% online and only takes a few minutes¹.
Can I get a second chance loan if I’m unemployed?
Some lenders may consider alternative income like benefits or freelance work. As long as you have a regular source of income, you may still qualify³.
Do second chance loans have high interest rates?
Interest rates vary by lender and depend on your application details. Loans for bad credit may have higher interest rates and you should be shown the full cost upfront so you can make an informed decision.
How quickly will I get the money?
If approved, funds could be deposited as soon as the next business day*. Some lenders may even offer same-day funding if you apply early and verification is quick.
Is there a fee to use Yup Loans?
No. Our service is completely free to use.
What if I miss a repayment?
Missing a payment can lead to extra fees or negatively impact your credit report ⁴. The exact details of this will be outlined in your loan agreement, which you should read and understand in full before accepting your loan offer. If you are struggling to make a monthly payment, always contact your lender directly to discuss your options.
Get a Second Chance Loan Today
Don’t let bad credit hold you back. With Yup Loans, you can find second chance loans online from trusted lenders who believe in fresh starts. The application takes just 3 minutes¹ and you could have money in your account as soon as tomorrow*.