Bad Credit Loans

Financial plans may not always work out the way you imagined. We understand. Get the credit you deserve now with Prêts Rapides

Why choose us? Real People here to help. Our team of loan specialists are always ready to help you either by phone or email, Monday to Friday from 10:00 AM – 6 PM Fast and Easy process. With our Simple 3-Step Application Process, you’ll be able to speed through your application and get an immediate response within 90 minutes.


Bad credit negatively affects your ability to land a job, rent a place to live and your borrowing power. Employers and landlords usually conduct routine credit score checks and use it to aid their decision. Another effect of bad credit is high interest rates on your credit cards and loans. Creditors and lenders see applicants with bad credit as riskier than applicants with better credit scores. You end up paying for this risk by being charged a higher interest rate.


The standard credit score is also called a FICO Score, (the formula created by the Fair Isaacs Corporation) and is a number that lenders use to measure the risks involved in lending you money. People with bad credit have low credit scores. Lenders use credit scores to determine who qualifies for a loan.


Bad Credit Loans Can Help

If you have an urgent need for money but have a bad credit rating, banks (and some lenders) will view you as a high risk borrower and won’t provide you with a loan. Bad Credit Loans give you the opportunity to borrow money despite your credit history, so you can pay bills on time and avoid penalties such as service interruptions.


What is a Short term loan?

A short term loan is a service which provides customers with a short term financial solution. Financial institutions offer short-term loans to companies, colleges, businesses, and individual borrowers, providing them with financing to be repaid over a short period of time – usually less than one year. However, there are short-term loans with terms of about three years depending on the loaned amount and the contract signed by the lender and borrower.

What can I use my short term loan for?

A short term loan can be used for a number of things. The most common are: a bill payment, an unexpected expense, a weekend getaway, or avoiding an NSF charge. Whether you’re dealing with a minor financial crisis or a sudden increase in business, shortterm loans can help in a cash crunch

When will I hear from you?

We respond to applicants same day. Once the online application has been submitted an agent will be contacting you, by phone or e-mail, within one hour to address your application and facilitate the application process. Business hours are Monday to Friday between 10:00 A.M. and 6:00 P.M. (EST). For applications submitted after hours we will contact you first thing the next business day.