Having a bad credit score (lower than 620 FICO) is a harsh reality that many people face. What’s worse is an unexpected emergency expense during these challenging times of the pandemic.

Most lenders won’t be willing to give you a personal loan, and even if you do manage to get one, you will be stuck with high interest rates and a period of 3 to 72 months of tricky payments.

Fortunately for you, there are lenders out there that offer the best emergency loans with bad credit. These payday lenders don’t focus as much on credit score, but rather on things like monthly income and monthly payment history.

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