I Need Help Paying Bills

Cash deposited directly to your bank account as soon as the NEXT business day!

Quick and easy short term loans with a bad credit score? We can help

When no one’s ready to help you in a financial emergency, I Need Help Paying Bills has your back. We take a fresh approach to loan decisions because we know that you’re more than just a number on a credit score. Trust in us to help you through any challenging situation, whether it’s a sudden car repair bill, a medical emergency, or just needing fast cash while you’re in between paychecks. You can rely on us to bring you back on the path to financial stability.

We designed our payday lending service around your needs. We provide short-term loans that are tailored to your financial situation, easy approval loans for bad credit with instant approval, and even urgent loans for when you need quick cash. We make sure to offer installment options and due dates that align with your pay cycle.

Ready to apply for a short term loan online? Get in touch with us right away!

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Repayment Terms
Our network of lenders have easy repayment terms including many different installment options. If you feel the need to pay off your online loans earlier, you may do so without a penalty.
Our lenders will allow up to 72 months to pay back 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.

†† When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus.