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Excellent

4.5 4.5 Star Rating 32 Reviews
Fair and Prompt

Fair and Prompt

Nothing fancy, but exactly what I needed for my credit. Intelligent loan matching, clear guidance, quick responses, and funds transferred without a hitch.

Margaret

September 5, 2025
Fast Funding, No Hassle

Fast Funding, No Hassle

Surprised how simple and fast the approval was. Clear explanation of terms, and the money was transferred as soon as I was approved.

Arnold Bailey

September 4, 2025
Felt Like a Priority

Felt Like a Priority

The support and respect from Radcred made me feel valued. My credit isn’t that good, yet their AI could find loans for me. The funding was also faster than I could have hoped.

Haley Brooks

September 4, 2025
Despite my situation

Despite my situation

Despite my situation, I didn’t feel embarrassed. The AI loan thing was very efficient, the platform never judged my score, and I got my $600 on time.

Jack

September 4, 2025
Simple Process, Quick Follow Up

Simple Process, Quick Follow Up

The site worked well, and moments after I applied, their AI tool matched me with lenders willing to work with my credit. Nice to feel looked after, especially when in dire need.

Eron Holland

September 4, 2025
Absolutely Seamless

Absolutely Seamless

Didn’t expect it to be so easy. The approval process was really fast, and I had $400 for an urgent plumbing work the next day.

Ana Ruiz

September 3, 2025
Helpful Support Team

Helpful Support Team

Had a lot of questions and RadCred replied quickly. I felt valued throughout the process and was never left hanging. Money was deposited next day.

Erin Goodman

September 3, 2025
Resolved My Emergency

Resolved My Emergency

Unexpected car trouble meant an immediate cash need. Radcred stepped up. The website was intuitive and there were no phone calls or lengthy to-and-fro required. Great work.

Brian Pollard

September 3, 2025
Quick and Trustworthy

Quick and Trustworthy

Application was smooth and transparent. I received a list of all fees up front and the money arrived right on time. Appreciate the honest approach.

Tyler Schmidt

September 2, 2025
Couldn’t Be Easier

Couldn’t Be Easier

I’d never taken out a loan online before, but RadCred made everything so clear. I’m thankful for the super quick service and zero pressure.

Monica Foster

September 2, 2025
Average Rates, Fast Release

Average Rates, Fast Release

RadCred worked as promised, though I think the rates could be lower for smaller loans. Funds did arrive fast and support was responsive to my emails.

Oscar Alvarez

September 1, 2025
A Lifesaver

A Lifesaver

Radcred helped me handle sudden medical expenses quickly. The application process took just a few minutes online and the money was transferred within a few hours.

Claire Bennett

August 30, 2025
Fast Turnaround

Fast Turnaround

Really appreciate the reaupdates, which showed exactly where my application stood. Good peace of mind in a tough moment.

David Lin

August 28, 2025
Smooth Start to Finish

Smooth Start to Finish

The site was easy to use, and the team checked in about my application. Wish the APR was a bit lower, but honestly, the speed made it worthwhile.

Michelle Townsend

August 28, 2025
Fantastic Customer Service

Fantastic Customer Service

It’s not easy finding a lender who listens. Radcred made me feel heard, processed my application fast, and stayed in touch every step until the money arrived.

Victor Sanders

August 27, 2025
Comforting and Professional

Comforting and Professional

I felt comfortable through every step. Support answered my questions, their AI found suitable lenders quickly, and the whole process didn’t feel intimidating or stressful like on a few others I’ve tried.

kulisnthe

August 28, 2025
No Judgment, Only Support

No Judgment, Only Support

My credit is far from perfect, but RadCred never made me feel bad about my situation. Fast approval, clear contract, and money came in exactly when promised.

Gregory Lewis

August 28, 2025
Supportive Experience

Supportive Experience

The interest rate was a bit much, but RadCred explained everything in detail, so I knew what I was agreeing to. Approval was fast and money helped with an unexpected dental bill.

Renee Fleming

August 21, 2025
Honest About Terms

Honest About Terms

Every charge and term was explained up front, so no confusion down the line. Approval took less than an hour. Happy with the transparency.

Timothy Vaughn

May 21, 2025
Didn’t expect to get the money the same…

Didn’t expect to get the money the same…

Didn’t expect to get the money the same day! Appreciate that there was no lengthy paperwork, just a quick online form and polite staff.

Joel Newman

June 24, 2025
No Complications

No Complications

Everything was handled online, with no paperwork or in-person meetings. Got the money sooner than expected. Customer service actually answered emails within the hour.

Curtis Ramsey

August 6, 2025
Had an emergency plumbing bill and…

Had an emergency plumbing bill and…

Had an emergency plumbing bill and needed cash the same day. Glad Radcred could help out so quickly.

Sean Matthews

July 18, 2025
Good for Bad Credit Needs

Good for Bad Credit Needs

My credit isn’t great, but that didn’t stop RadCred from approving my loan fast. Everything was explained in plain English, without legal jargon.

Lois Dark

July 6, 2025
Every person I talked to seemed…

Every person I talked to seemed…

Every person I talked to seemed genuinely interested in helping. Application updates kept me informed until funds cleared my account.

Edward Dalton

July 4, 2025
I needed money for a family trip…

I needed money for a family trip…

I needed money for a family trip emergency and RadCred delivered in under six hours. The application was by far the simplest I’ve ever filled out.

King FairHaired

March 26, 2025
Was facing multiple bills at once

Was facing multiple bills at once

Was facing multiple bills at once, and RadCred’s quick approval took the pressure off. I appreciated the support team checking my status after funds arrived.

Madison Bloom

February 2, 2025

A Short Video About RadCred

Who is RadCred? Your AI-enabled shortcut to quick loan offers without endless forms.

T&C Applied

Get Safe Loan Offers
In Just 60 Seconds

If you’re pressed for time or having trouble with your credit. Our smart tech scans hundreds of lenders, displays their loan offers, and gets your personalized loan options in under a minute, regardless of your credit score.

1

Apply once, match with many

One quick, secure form. Our AI does the legwork. No need to fill out dozens of applications.

2

See offers
instantly

In under a minute, get personalized loan options from lenders who work with your credit situation.

3

Get funds as soon as today*

Choose an offer, get approved fast, and money can hit your account within hours.

4

Build back
your credit

Pick repayment terms that fit your life, and use RadCred’s tools to start improving your credit score while you borrow.

Get Instant Loan Now

Why Choose RadCred?

Feel confident about borrowing what you need. RadCred puts your needs first, making every step smooth, safe, and stress-free.

Trusted by Thousands

We’ve helped over 20K people find quick financial solutions, irrespective of credit score.

Smart AI Approvals

Our proprietary tech shows you lenders that fit your profile, so approvals come quickly.

Transparent Terms

You'll always know your rates, costs, and repayment schedule - no surprises or hidden costs.

Flexible Repayment

Choose a repayment option that works for your budget and life.

Friendly Support

Questions? Our support team is always ready to help you each step of the way.

Varied Loan Choices

Compare payday, installment, personal loans, and more, all in one place

Why do Thousands of
Americans trust RadCred?

Security

Your information stays safe with RadCred. Submit one secure application. No need to share your details with multiple lenders.

AI-Curated Loans

Our smart AI bot instantly presents the best loan choices based on your credit score and what you need most. Get clear offers that match your situation, all in one spot.

Ongoing Support

Our team is here with guidance, credit repair tips, and honest answers at every step. We want you to feel confident, today and tomorrow.

Trusted by thousands. Approvals happen for nearly everyone, 99% and rising.

Established

2021

Customers

20,000+

Total Loans

$180K

Find the Right Loan for You at RadCred

Flexible options for every credit situation, all in one place.

Payday Loans

Personal Loans

Credit Builder Service

Emergency Loans

Debt Consolidation Loans

Installment Loans

View All Services

In What States Are Personal Loans for Bad Credit Available?

RadCred offers same day loans to applicants in the following states:

Texas
Louisiana
Wisconsin
South Carolina
Missouri
Delaware
Ohio
Michigan
Utah
Virginia
Arkansas
New York

Frequently Asked Questions

Have any questions? Don’t hesitate to contact us!

Q. Will checking my loan options hurt my credit score?

Not at all. When you check your options with RadCred, it’s just a soft credit pull, and your score stays safe. Only if you accept and finalize a loan with us will a hard inquiry show on your report.

Q. How can I use my online loan?

Once matched, you can use your lender’s loan your way. Cover emergencies, handle car repairs, take care of medical bills, celebrate life’s milestones, or pay for what matters most to you.

Q. When will I receive my funds?

Once your loan is approved and you sign, funds are typically sent to your account within 24 hours. Timing may vary a bit on weekends or holidays, but we always work fast to help you get what you need.

Q. Can I add my spouse or partner’s income?

We look at your individual financial picture to keep things simple and accurate. Just use your own income and expenses when you apply, even if you share costs.

Q. Will I get a low interest rate?

Rates are based on your unique personal details, loan amount, and loan repayment schedule. You will always see clear terms prior to committing to any loan and there are no surprises or hidden fees.

Q. Can you get a payday loan instantly?

Most lenders we work with provide decisions within minutes, and funds are usually deposited within one business day. In many cases, you could see money in your account as soon as the same day. Exact timing depends on your bank and when you’re approved.

Q. What are the criteria for getting payday loans?

To qualify for a payday loan through RadCred, you’ll need to be at least 18 years old, have a steady source of income, a valid bank account, and basic identification. We keep the process simple. No long forms, and your credit score isn’t the only thing we consider.

Don’t Wait. Get Instant Loan Offers.

Get cash from RadCred fast, clear, and hassle-free. Apply in 60 seconds, let our AI find your same day loan options. Feel confident knowing your needs would always come first.

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