Bad Credit Loans Columbus, OH.

credit check for unsecured personal loan Columbus, Oh.As the state capital of Ohio, Columbus has a robust, diverse economy. While the city is unable to compete with larger urban centers like New York or Chicago, Columbus also hasn’t suffered as badly as those cities during financial crises. Despite that, there’s still plenty of financial hardship in Columbus. To find the best personal loan for bad credit in Columbus you may need, our Loans Discovery Program is the ideal method. We start by creating a snapshot of your lending requirements, then match you with offers that meet your demands, all for free!

A Strong Economy Doesn’t Equal a Perfect Economy

When the Great Recession hit in 2007, Columbus was well-positioned to weather the storm. Other cities had specialized in real estate, finance or technology, industries that were hit particularly hard. While those cities were decimated financially, Columbus had enough economic variety that it saw a comparatively small impact. But for many Columbus residents to this day, that financial stability is nothing but a dream.

Unemployment and Privation in Columbus

While the nation’s labor market had mostly stabilized by the end of 2018, in Columbus, it was still tumultuous. The unemployment rate was 4.0% in December 2018, matching the national average. It’s tempting to think that being average isn’t bad, but when that translates to over 35,000 people not having work, just being average is detrimental. It’s translated to poverty rates as well, with 20.8%, or over 180,000 people, living in squalor.

Too Damaged to Qualify for Help

If there’s one thing that banks and creditors hate, it’s risk. They avoid it whenever they can, especially when it comes to lending money. That’s why Forbes found that more than 32% of people with fair to good credit were denied a mortgage, while denial rates for people with poor credit were much higher. Not only are chances reduced severely with bad credit, but scores can actually grow worse from just looking. Hard inquiries cause credit ratings to drop, and multiple queries can potentially cost borrowers dozens of points. It’s a Catch-22 for people trying to borrow money and find the best deal they can.

Bad Deals Disguised as a Saving Grace

Guaranteed approval to borrow money; no credit check performed; you’ll have your money by tomorrow. Sounds tempting, doesn’t it? These are the primary pitching points that short-term, high-risk lenders, also called payday and title lenders, want you to latch on to. What they’re not advertising is what comes after. In 2018, the average APR charged by payday lenders was around 591%. People were finding that they were repaying more than double their original amounts. Pew Charitable Trusts found that 1 out of every 10 Ohioans had used one of these scams in 2017. While Ohio legislation caps interest rates at 28% for short-term loans, payday lenders simply registered as mortgage lenders, allowing them to circumvent the law.

You Can Get a Great Deal and Protect Your Credit Too

If you had a way to compare offers to find the ideal lending option, protect your credit ranking, and not pay exorbitant fees, wouldn’t you use it? It’s not some unreachable dream, it’s the Loan Discovery Program! We’ve helped over half a million people find a great lending offer in Ohio and all over the United States.

Your Success is Our Business

In case you hadn’t realized, we can’t abide payday or title lending practices. Deals that only work to the benefit of the lender are a big reason why people continue to struggle, and we have no desire to contribute. Instead, we extend terms designed to empower you to succeed, such as:

  • Lending limits capped at $70,000
  • Repayment plans that extend for years
  • Lower interest rates than our competitors
  • No requirement to provide collateral
  • No charges for early repayment

Your Safety is Our Priority

When we say safety, we mean both for your credit and your information. To keep your score as strong as possible, we don’t make initial checks. Instead, you submit your score, using our free tools to confirm where you stand. No one likes getting unwanted robocalls or emails, ourselves included. We never give out your phone number, email, or any other personal data to any parties.

Your Timeline is Ours

It’s pointless to receive money if it comes too late to do any good. As part of our process, we factor how quickly you need the money, and compile offers that can meet that demand. In most cases, we’ve been able to submit options to customers within a single day, while our lenders often have your money ready no more than two days after you’ve chosen your preferred option. Our service is quick, easy, and free!

Stop Jeopardizing Your Finances – Use Our Free Service!

No matter how dire your circumstances, you can’t afford to trap yourself. By allowing lenders to destroy your score with multiple inquiries, you stay trapped with bad credit. By turning to payday or title lenders, you stay trapped with debt. Set yourself free of both traps with our Discovery program, and get the offers you need to make a real difference in your life now!

Personal Loans Starting at 4.99%
  • Loan Discovery Process
  • Credit Scores Reviewed to 450
  • 2, 3, 5 & 7 Year Terms
  • Loan Amounts $500 - 70K

No Initial Credit Check!

* Using tool will not lower your score.
* We do not share your information.
* You will not receive any unwanted contacts
* SSL Secured