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CREDIT CARDS & LOANS FOR BAD CREDIT: 2025
Having bad credit and looking for the best credit offers for you? You have chosen the right site! We present prepaid cards and credit cards for people with bad credit history. Compare the credit offers below and submit your application online! Please note that not all credit cards come with $500 credit limit.
January 2025: BEST OFFER FOR BAD CREDIT
Fair / Poor Credit
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
- PREMIER Bankcard credit cards are for building** credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
More Credit Cards for Bad Credit
This offer is not available in MA, ME, ND, NH, NV, OR, RI, TN, VT.
Any Credit
- Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
- Credit Cards Matched For You
- Compare Credit Card Offers
- See Cards In Under 60 Seconds
This offer is not available in MA, ME, ND, NH, NV, OR, RI, TN, VT.
Card Type
Unsecured/Secured
Regular APR
See terms
Annual Fee
See terms
Guaranteed Approval
No
- Enjoy a $1,000 Credit Line!
- 0% Financing on brand name products exclusively at our online store.
- Low Monthly payments.
- No Credit Checks & No Credit Turndowns.
- No Application Denied for Poor Credit.
- Reward Yourself With the Benefits of Credit!
- Buy Now... Pay Later!
Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See terms
Guaranteed Approval
Yes
Any Credit
- See Your Rate In Minutes
- Get Your Free Experian® Credit Report
- Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
- Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.
Checking Account Required
Yes
Maximum Loan Amount
$100,000
Minimum Loan Amount
$1,000
Employment Required
Yes
Fair / Poor Credit
- Pre-qualify with no impact to your credit score.
- Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build** credit, now it’s your turn.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- Our mobile app helps you keep track of your spending and payments for greater financial control.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
Card Type
Prepaid
Activation Fee
$0
Maintenance Fee
$0 with eligible direct deposit
Overdraft Available
Yes
Fair / Poor Credit
- Pre-qualify with no impact to your credit score
- Helping people build** credit is our first priority – start your credit-building journey today.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
- Award-winning, U.S.-based customer service
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
- No Employment or Credit Check
- Bad Credit, No Credit? No Problem!
- Fast and Easy Application
- $750 Limit (Usable only at TheHorizonOutlet.com)
Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See website for Details*
Guaranteed Approval
No
- Unlock a $1,000 average Spending Limit instantly.
- Shop top brands in the Perpay Marketplace (Apple, Sony, MCM, Nike & more).
- No interest, fees, or credit check.
- Pay over time with easy payments from your paycheck.
- Shop and build credit by 36 points on average.
Card Type
Marketplace & Credit Builder
Regular APR
0%
Annual Fee
$0
Guaranteed Approval
No
- Build credit & Earn rewards.
- Payment performance is reported monthly to TransUnion, Equifax, Experian, and Innovis.
- Track your credit score every month.
- Learn with courses and pick up useful skills.
- Earn 1% back on loan offers. Up to $1,225.
- 0% APR / $0 fees. Instant approval. No credit check.
Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Fair / Poor Credit
- PREMIER Bankcard credit cards are for building** credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build** your credit.
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
- No Monthly Fees.
- Get fee-free overdraft up to $200* with SpotMe®.
- Set up Direct Deposit and get your paycheck up to 2 days earlier^ than some of your co-workers!
- Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
- *SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
- ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Card Type
Debit
Activation Fee
No
Maintenance Fee
No
Overdraft Available
Yes
Fair / Poor Credit
- Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
- PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
- Credit limit increase eligible after 12 months of consistent responsible account management.
- We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
- Award-winning, U.S.-based customer service
Card Type
Unsecured Fee Based Credit Card
Regular APR
See Provider Website
Annual Fee
See Provider Website
Guaranteed Approval
No
- Credit for everyone - Regardless of your credit history!
- Get paid up to 2 days faster - Using Direct Deposit.
- Build credit not debt.
- Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
- View Product Disclosures
Card Type
Secured
Regular APR
0.00%
Annual Fee
$0
Guaranteed Approval
Yes
- Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
- No credit check
- No hard inquiry
- $100 minimum security deposit*
- *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change. The secured Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., each Member FDIC.
Card Type
Secured
Regular APR
28.24% (Variable)
Annual Fee
$25
Guaranteed Approval
No
- To apply for Credit Builder, you must have an active Chime® Checking Account.
- No annual fees or interest.3
- No credit check to apply.
- No minimum security deposit required.1
- Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
- Reports to all 3 major credit bureaus.
- Help increase your credit scores/FICO® Score by an average of 30 points*
- View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
- Chime is a financial technology company, not a bank. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
- 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
- *Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
- 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
- 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.
Card Type
Secured
Regular APR
0%
Annual Fee
$0
Guaranteed Approval
No
- Choose a plan to build credit and savings at the same time!
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus*.
- Sample loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing
Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Credit Offers for People with Poor Credit
Are you interested in finding credit cards, debit cards, or prepaid cards that are offered to people with less than perfect credit? Or do you want to get a personal loan? We offer a wide range of such types of credit offers.
Some creditors may not approve you without a bank account, in this case a prepaid card can be a good card to apply for. A prepaid card can prepare you for having a traditional type credit card. You will get the habit of paying the bills on time and keeping an eye on your account balance.
A credit card won't be a hard thing to manage after good prepaid card training. An open account will be a plus when you apply for a credit card when you have limited credit history.
The credit card products on this page can help you rebuild or reestablish your credit if you make on-time minimum payments with all of your creditors and keep account balances low relative to the credit limit. Some of these cards do not have a guaranteed approval or easy approval, but you may give them a shot anyway. Check if you are ready for unsecured offers (some of which are fee based).
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
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