Bad Credit Loans Columbia, SC
Columbia has one of the most diverse collections of industries anywhere in the United States. People from many different walks of life call the city home and enjoy a great assortment of opportunities to find work and make good money. However, a large portion of the city’s residents are finding that they just can’t get ahead of bad debts and bad credit. If you’re desperate for a personal loan for bad credit in Columbia, we’ve got great news! We offer a service that lets you find and choose between numerous bad credit offers that are safe and get your funds quickly. It’s called the Loans Discovery Program, and it’s completely free to use!
Wages Are Growing, But So is Debt
Drawing on such varied industries as higher education, healthcare, energy, and transportation, Columbia has been able to bring in a lot of new money. Nearby Fort Jackson also brings in a regular influx of new military families to contribute to the economy as well. This has resulted in an average increase of $4,000 per year for families between 2010 and 2017. However, a large chunk of the population still struggles with deprivation.
The Poverty Rate is on the Rise
In 2010, the poverty rate for Columbia was about 22.1%. By 2017, it had risen slightly to 22.3%. That’s not a major increase, but when you consider that 0.2% of a population of 133,144 equates to about 2,662 more people barely surviving, it seems less reasonable. The sad fact is that the better an area is doing financially, the most basic necessities are going to cost. For people already on the borderline of financial ruin, prosperity doesn’t always make things better. It can actually make things worse.
Normal Venues Don’t Offer Much Hope
Traditionally, banks and credit agencies require a score of above 620 to take advantage of their services. For people with bad credit, there’s little opportunity to access the offers that others enjoy. To make matters worse, many people can’t afford to request numerous offers to compare rates. The hard inquiries made by these institutions often results in a lower score, a risk that people with bad credit can’t afford to take.
Scammers Have Free Reign in South Carolina
Payday and title lenders are some of the worst financial institutions you can find. They charge completely unreasonable rates, demand excessive fees, and allow practically no time to repay their money. Title loans in South Carolina are particularly bad because they have politicians in their pockets. Over the course of a decade, title lending companies paid out over $550,700 to South Carolina politicians, according to the Center for Public Integrity. As a result, there’s practically no legislation to prevent these lenders from charging almost 400% APR and demanding a car title with every loan.
You Deserve Better than Bad Deals and Neglect
Just because the politicians say that payday and title lenders are okay, that doesn’t mean they are. Just because banks can turn you away for bad credit, that doesn’t mean it’s the right thing to do. Our belief is that anyone should be able to borrow money safely when they need to, and at Loans Now, we’re making it happen.
Offers Made for Bad Credit
Just because you have bad credit, that doesn’t mean you can do without money. We’re all too aware of that fact, and that’s why our offers:
- Extend up to several thousand dollars at a time
- Provide at least two years to repay
- Accept credit scores down to 450
- Set fair and manageable interest rates
- Don’t charge a fee if you pay your debt early
We don’t offer title or payday options as part of our service. These practices have caused thousands of families greater suffering. We want to be your solution, not one of your problems. Our service doesn’t cost anything, and we don’t accept payments from you in any way.
A Better Way to Assess Your Situation
Most lenders want to start with a hard inquiry on your credit. That only damages your score, and that’s not why we’re here. Our system only requires that you report your own score. To help make it easier, we’ve given you a free tool you can use to gauge your credit. We also understand that bad credit can be embarrassing, especially for those who are supposed to “have it all together.” Your information is kept secret, and won’t be shared with anyone outside our network.
A Faster Option When You Need Money Now
It takes many lenders upwards of a month before you get approval to access your money. We know that’s way too long in most cases, so we prioritize speed. Enrollment can be completed in only a few minutes, and your offers are usually in your inbox by the next day. In the majority of cases, our customers have access to their money within a few days.
Get the Money You Deserve Now!
It might seem like your only options are poverty or shady lenders, but that’s not the case. Our lending network extends through all of South Carolina and across the U.S. No matter where you are, we can provide high-quality options that don’t require collateral, don’t charge outrageous fees, and keep your credit safe. So, what are you waiting for? Start comparing your ideal options with Loans Now today!
- Loan Discovery Process
- Credit Scores Reviewed to 450
- 2, 3, 5 & 7 Year Terms
- Loan Amounts $500 - 70K