Personal Loans and Credit Scores

Credit scores carry an undeniable significance when it comes to funding, especially personal loans of large scales. Since personal loans are of different types, it is important to know before applying if you qualify for the finance credit score wise. Personal loans like mortgages and car loans or even large business loans need an excellent credit score apart from a specific level of income and maybe additional collateral. On the other hand, small personal loans like payday advances and emergency installment loans might not require an excellent credit.

Why credit scores are important in certain kind of personal loans, though? Well, it is a part of establishing the borrower’s creditworthiness. When the loan is a large amount, the lender does not want to take a risk, and verifies the financial and debt history of the borrower as much as possible. This also makes sense. However, credit companies checking credit and asking only good or excellent credit ratings for emergency cash loans is beyond logic since the present income status should be enough to establish the repayment ability of the debtor.

Can You Get a Personal Loan with a 600 Credit Score?

A credit score of 600 is considered poor, if not bad. Can you still get a personal loan with a 600 credit score or even less? Yes, you can! If you apply to CashAmericaToday for cash up to $1,000, your credit score does not matter. All that we need is your income status which needs to be stable- even if low.
You can complete the online loan application process online in 3 minutes, get an instant approval, skip the traditional credit check process, get funded the same day and repay your loan in multiple installments over 3 months. With our unbeatable low interest rates, you cannot find a better alternative where you can get an installment loan with a poor or bad credit history. Apply now!

Join Our 50,000+ Customers Who Get Money Right When They Need!

Reviews are the independent opinions of our users, and we do not hold any of them to be representative of all CashAmericaToday borrowers’ experience.

A trusted single lending source for your cash crunch. Apply now!
Get Started

Applying Does NOT Affect Your Credit Score

We are registered with Utah’s Department of Financial Institution to provide Consumer Credit. If you submit this application via the internet to us, we will receive and process it the same as if you submitted it to us in person thereby making Utah the place of negotiation, execution and performance of all applications and/or agreement. If we approve your application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. Applicant is responsible for complying with all statutory obligations regarding obtaining loans by internet that may exist in their state of residence. This service may or may not be available in your particular state.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors’ creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM EST will be processed on the next business day which is usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday-Friday: 8:00 AM to 7:00 PM (EST) or email to

* I have read and understand the Terms and Conditions & Privacy Policy of this loan. All loans financed by CashAmericaToday