Total Visa® Credit Card

Total Visa Card

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Total Visa® accepts applications from people who are interested in looking for a true Visa® credit card that does not require perfect credit for approval.

+ $300 credit limit (subject to available credit).
+ Fast and easy application process; response provided in seconds
+ Manageable monthly payments
+ A genuine Visa® card accepted by merchants nationwide across the USA and online
+ Reports monthly to all three major credit bureaus
+ Select your favorite card design from our gallery, for free!
+ Checking account required

First Access Visa® Credit Card

First Access Card

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Get the security and convenience of a full-featured, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

+ Easy and secure online application
+ Perfect credit not required for approval; we may approve you when others won’t
+ Get a result in as little as 60 seconds upon completion of the online application
+ Reporting monthly to all three major credit reporting agencies
+ Select your favorite card design from our gallery, for free!
+ All credit histories considered for this no security deposit credit card

Surge Mastercard®

Surge Mastercard

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The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!.

+ All credit types welcome to apply!
+ Monthly reporting to the three major credit bureaus
+ See if you’re Pre-Qualified with no impact to your credit score
+ Fast and easy application process; results in seconds
+ Use your card at locations everywhere Mastercard® is accepted
Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
+ Checking Account Required


Edge Elite Card

Edge Elite Card

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Designed specifically for people with bad or no credit, Edge Elite gives you the freedom to purchase the things you need!

+ Your approval is GUARANTEED!*
+ Get up to a $1,000 credit line
+ 0% Interest on all purchases
+ Must have a valid debit or credit card
+ Secure, fast, & easy online application

Next Millennium Card

Next Millennium Card

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Reward Yourself With the Benefits of Credit! No application denied for bad credit. Enjoy 0% Financing on purchasing popular brand name products!

+ Your approval is GUARANTEED!*
+ Get up to a $1,000 credit line
+ 0% Interest on all purchases
+ Low payments of $19.95 per month!
+ No credit checks & No credit turndowns
+ 24/7 Roadside Assistance
+ Buy now…pay later


I Need Help Paying Bills

I Need Help Paying Bills ASAP

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Get approved for an online personal loan today! Apply for a short term or payday loan and get approved within 60 seconds! Bad credit Ok! Same day funding available.

+ 98 % approval rate
+ Get up to $15,000 today
+ Judgments, liens, bankruptcy, late pays – THAT’S OK!
+ No credit check required (will not affect your credit score)
+ Hundreds of lenders in network
+ Direct deposit
+ Lenders available 24/7

Next Day Financial

Next Day Financial

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Short term loans online for all credit types! These lenders specifically loan money to people with bad credit. If you’ve been denied by a bank, you can get approved here!

+ Very high approval rate
+ No credit check required (won’t affect your credit score)
+ Borrow from $100 to $15,000
+ Low credit score? – THAT’S OK!
+ Funds direct deposited to your account by the next day
+ Lenders available 24/7


Credit Score Choice

Credit Score Choice

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Get fast access to your credit scores. Also have the ability to review your credit reports for any inaccuracies. Every 3.5 seconds another identity is stolen. Are you safe? Review everything immediately!

+ Access to your credit scores and reports, 24/7/365
+ Automatic 3-bureau credit monitoring
+ Credit report activity alerts
+ Complete and professional-grade credit learning library

Loan Requests Process Within Minutes

Complete our 100% onlines loan request form and let our lender network get to work for you! Our form is quick & easy and processes in less than 2 minutes. We care about your privacy, so our loan request form is safe & secure. Start your application now so you can get help paying bills!

Loans For Any Credit Situation

Bad credit? No problem! We will connect you to our nation-wide network of online lenders and will work to quickly match you with a lender regardless of your credit situation! Lenders are available 24/7 and are ready to process and fund eligible individuals right away!

Repayment Terms
The lenders on our network offer flexible repayment terms in multiple installments. If you feel the need to pay off your loan earlier, you may do so with out a penalty.
Our lenders give you as much as 72 months to repay your loan.
View Terms Below.
– Loan Period: 6 – 72 Months
– Application Fee: None
– Payment Frequency: Once or twice a month
– Prepayment Penalty: None
– Maximum APR: 4.99% – 35.99% (Varies by state according to each state’s usury laws, but will never exceed the maximum allowed rate for each state)

Representative Repayment Examples:
– If you borrow $10,000 over 60 months at a fixed rate of 3.1% APR with $60 in fees, the representative rate would be 3.3% APR, with monthly repayments of $180.80, for a total amount paid of $10,848.
– If you borrow $10,000 over 36 months at a fixed rate of 5.32% APR with $100 in fees, the representative rate would be 5.99% APR, with monthly repayments of $302, for a total amount paid of $10,872.
– If you borrow $10,000 over 60 months at a fixed rate of 7.69% APR with $500 in fees, the representative rate would be 9.88% APR, with monthly repayments of $201.28, for a total amount paid of $12,076.80.

Material disclosure

APR Disclosure. Some states have laws limiting the APR (Annual Percentage Rate) that a lender can charge you. APRs range from 4.99% to 35.99%, or to the discretion of the lender, and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $15,000. Not all lenders can provide up to $15,000 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Loan transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

Exclusions. The services offered by this website might not be available in every state. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you may be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Consider seeking professional advice regarding your financial needs. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.