CreditHeron Referral service · not a lender
A grey heron flying low over a misty marsh at dawn behind the CreditHeron loan request form, $100 – $5,000

Loans for fair credit onlineAll credit types considered

$100 – $5,000No upfront fees

Begin your request

$100 – $5,000 · funds as soon as the next business day, if approved

256-bit SSL · Checking your options won't affect your credit score · Free to use

  • SSL encrypted
  • No upfront fees
  • Soft credit inquiry
  • Terms before you sign

Your credit isn't perfect. Your week doesn't have to wait for it.

CreditHeron is not a lender. One request for $100 – $5,000 goes to a network of lenders. Checking your options won't affect your credit score.

Tick any that apply

Any of these this month?

  • A score in the 500s and a bill today.
  • The credit card is maxed.
  • A collection notice from years back.
  • The bank app said 'not eligible'.
  • You pay on time now. They still say no.
  • You need a small bridge to Friday.

One request for $100 – $5,000 to lenders in our network. Some lenders fund as soon as the next business day, if approved.

Check my options

Plain answers

What we do, and what we never do

CreditHeron does

  • Send your request to lenders in our network
  • Protect it with 256-bit SSL encryption
  • Stay free to use, with no fee to submit
  • Leave every decision to you

CreditHeron never

  • Lends money or sets rates
  • Charges you to see an offer
  • Promises approval or a set amount
  • Rushes you to sign

How it works

How CreditHeron works

Your part is short. The reading part is yours to take slowly.

  1. 1

    Fill in one request

    Amount, contact details, a few income questions. A few minutes on your phone.

  2. 2

    Lenders review it

    Your request reaches lenders in our network. Each decides on its own terms.

  3. 3

    Read, then decide

    Any offer shows its APR, fees and due dates first. Accept it, or walk away.

Misty marsh water at dawn with reeds in soft blue light, the CreditHeron view of loans for fair credit online, $100 – $5,000

Loans for fair credit online

Low and steady over the water.

Lenders in our network consider all credit types and show every term before you sign.

Spot a scam

How to tell a legit online loan from a scam

  • A fee before fundingReal lenders take costs from the loan or the schedule, never up front.
  • No APR in writingEvery legitimate offer shows its APR and total cost.
  • Pressure to decide nowA real offer will still be there after you read it.
  • No license in your stateCheck the lender with your state's financial regulator.
  • Payment by gift card or wireNo lender asks for this. Stop and walk away.

Questions

Loans for fair credit online, answered

What do I need to apply?

You need to be 18 or older and a US resident, with regular income, an active checking account in your name, and a phone number and email you use.

Can I get loans for fair credit online with bad credit?

Lenders in our network consider all credit types. A lower score can mean fewer offers or different terms, and approval is never certain, but it does not stop you from sending a request.

Is CreditHeron a lender?

No. CreditHeron is a referral service, not a lender. We pass your request to lenders in our network, and any offer comes from the lender, on the lender's terms.

How much can I request?

Anything from $100 to $5,000. A lender may offer a different amount after its own review.

Does checking my options affect my credit score?

No. Checking your options won't affect your credit score. Lenders in our network may check your credit, including with alternative credit bureaus, when they review your request.

How fast could funds arrive?

That depends on the lender and your bank. Some lenders fund as soon as the next business day, if approved. Any offer shows its timing before you agree.

Take flight with one request.

$100 – $5,000 through a network of lenders. Free, and nothing to sign until you choose.

Review my options