• If you need a loan and have bad credit we really can help you today!

• It's guaranteed you will get your unsecured loan or your money back. That's a guarantee!

• Even bankruptcy and repossession cases get approved for bad credit personal loans.

• At Abacus we understand how hard it is to get unsecured personal loans with bad credit. 

• We've been in the credit business since 1998. 

• Below is a loan chart which shows as an example, the amount of a personal loan, monthly payment, how many years it takes to pay off the loan, and the total amount repaid including interest. Interest in this example is 9%.
  Every lender has their own specific interest rates and terms.

• We've seen the economy when it was good and bad and we know how careful you must be on the Internet when it comes to doing business. We are serious about our customer service!

• We service individuals and small businesses that have bad or unproven credit history.

• If bad credit unsecured personal loans are going to be offered to you, regardless of your history of late payments, etc., it has to be understood from the beginning that we will be expecting all payments to be made on time and a definite effort made to correct any bad habits you have had in the past. Even bankruptcy does not rule you out. 

• But you have make the conscious decision to pay your bills on time or we don't want to deal with you. It's that simple.  Go direct to the application Click Here               Pre-Qualify For Your Loan - Find out more: Click Here

• Think this out, if you can't make the payments..............please don't apply.

• We have spent over 20 years in businesses where customer satisfaction has been up-most in our minds.  
  We want your goals to be reached and will be happy if we play a small part in it.

• Considering we serve over 50,000 clients a year for a variety of services, we think that we have a pretty good record. 

• Those are clients, not web site visitors, real people who actually used one or more of our services, signed up for one or more of the programs we offer or purchased one or more of our products! 

• We are proud of our service record and you can see it displayed in the email testimonials located on this 
  web page.

• By the time you reach this website you may have already visited that large collection of websites which have sprouted up since we began in the 1990's. 

• They are offering everything under the sun and guarantees of hundreds, even thousands of companies that can bankroll your loans, no matter how much you want to borrow and how bad your credit is. 

• Seriously, do you think there are thousands of companies out there ready to offer funding for bad credit personal loans?    There are not.   Just a handful actually.   Go direct to the application Click Here

• We know the newest and most lenient of the lenders out there that offer these bad credit loans.

• When you work with us you are working with the original.  

• Unconvinced? Are you thinking this sounds too good to be true, that nobody will give you a loan? 
  Then read on and see how it all makes sense. 

• Look, you're here because you're literally searching for results. You don't want empty promises, you don't want excuses, you just want a way to get a loan without having to pay through the nose for it and without spending hours of wasted time getting negative results.. 

• Have you been going through the cycle of depositing a pile of money to an agent or broker and/or get lame performance from some kind of web-banner ad or a direct mail or email list. You may been burned or you're just burned-out on what hasn't been working.

• Well you have finally come to the place where you have the best chance for a solution. We are so sure we can help you, that we guarantee it in writing!

 Find out how much you can borrow: Click Here Pre-Qualify For Your Loan 

Home Ownership is not required!
Go direct to the application Click Here

Pre-Qualify For Your Loan Click Here

• If the loan you need is between $2500 and $150,000 you can most likely be helped with our program, and in addition to many great lenders in our complete package, we offer several other special products. 

• Loan companies that specialize in lending unsecured loans to people who have bad credit history or no proven track record. 

• You have the best chance of getting the loan you are looking for and not spinning your wheels and not lowering your credit score any more.

• Over the years we have searched and searched for lenders that fall into this category and although it does not have "hundreds or thousands" of lenders, it does have the small list of places that do offer these type of loans and brokers who specialize in finding and matching lenders and borrowers. And we have "weeded out" the worst.

• Constantly updated and you have access for one year! We update about every two months.  
  See what else is included in our Package below. 

• You might be able to find all these places yourself by searching through all of the search engines, newspaper advertisements, and spending hours and hours reading through the "hundreds of web sites" claiming they can get you a personal loan with bad credit. But save your time and frustration, get it here without the "fake" listings often included elsewhere.

• If you feel like you don't have the time and you don't feel sure about picking from the masses of claims out there.
  Try us. We won't disappoint you.  Go direct to the application

• Sorting out the "good guys" from the "bad guys" is no easy task. We care about our clients and we regularly update our Package which includes the list of places where you can actually get an unsecured personal loan. 

• We remove any company that we get complaints about so you know we will not steer you in the wrong direction. 

• We must point out that if you have a bad experience with any company we refer you to, you must let us know. 

• Our clients have been our eyes and ears and over the years we have listened!

• The question often comes up. Can you guarantee me a personal loan? And if not, why charge a fee.

• Our guarantee is that if you do not get the loan you pay nothing. 

• Try at least two places and if you get turned down for the loan in the amount you require, we will gladly refund your fee. 

• Please remember to avoid the pitfall of too many credit inquiries. 
  (see: a way to avoid this pitfall below.)

• But if you are here because you have bad credit and or high debt, and you don't make some effort to get out of the hole..... The chances are, you never will get out of the hole. 

• It might hurt a little to get started but the payoff is worth it.

• Although we specialize in locating the lenders who offer personal loans, we give you so much more in our special "VipCredit Package". 

• You get it all. Some items in this comprehensive package may not help you now but you may have need of them in the future. A package worth over $500.00.

• Go Direct to the Application - Click Here     Frequently Asked Questions Click Here

"We just want to make it simpler for you. No big fuss."

You have nothing to lose!
Our Iron Clad - Money Back Guarantee:        
Although it does not happen often, we will refund  your fee because you were turned down, 
if for any reason you did not receive a genuine offer of a loan. 
Just show us you applied at two places or more and were declined and you will get a 
quick and easy full refund of your payment! 
Personal Loans - Trusted - Dependable - Confidential - Proven Since 1998  
________________________________
Wait! - Think this out!
If you can't make the payments or you are not serious: Please........don't apply. 
But if you are serious: You get instant access for one year!
One payment of  only $36.95 click on your choice:
 Don't stop now. - Take the next step.
 The cash you need. Usually in less than 30 days!

50,000 satisfied clients a year can't be wrong!  -  Find our for yourself!
Your money back guarantee is immediately in effect! 
 

Apply Using Credit Card or Debit Card 

Personal Checks are accepted but:
Please note: Because we have had so many bad checks, 
You will have to wait until your check clears to receive your information!
Click Here

how a char

• Before you start applying everywhere, realize this:
• 2 or more recent credit checks (inquiries) will negatively affect your credit score. Your credit score can be seriously damaged!
• But, you can avoid this pitfall and still be able to apply at several companies if you are turned down, you can go to the next lender and apply without worry about your credit being damaged. 
• Here is how it works:
• If you purchase a copy of your credit report in advance, 
  a lender can pre-approve you with a faxed current copy of your credit report. If they decide to reject the loan, you can continue to apply at different lenders until you find one that accepts you.
• Before completion of the loan process your actual lender will probably need to do a final check on their own, but now you have only one inquiry on your records instead of two or three or more!
• Note: when you purchase your credit report, it does not show up as an inquiry!  
• It is a good idea to know in advance what your credit score is and if there is any incorrect information on your reports. You really need to bite the bullet and find out what's on your credit record!
• As reported on CNN, NBC, ABC, CBS, and Fox News, 
  .................a recent study showed 79% of all credit reports 
  have some incorrect information.
• Incorrect information can cause you to pay more in interest, make it difficult to get a home or even rent an apartment and much more! 
• To order your credit report and get it instantly online: Click here
• Be sure to get the one with all 3 credit bureaus reports as you will need all three.

Newest Articles: 

• Are you struggling with personal debt?

• Found yourself in a sea of debt?

• Are credit cards your enemy?

• Glossary of Lending and Financing Terms

Learn More about Credit 
and how it affects your life.
Click on the Title:    

• Credit Card - Rules to Use
• Bad Credit Card
• Bad Credit Unsecured Loan
• Fair Credit Billing
• Equal Credit Opportunity 
• Fair Credit Reporting
• Lost or Stolen Credit and ATM Cards - What to do
• Credit Cards - The Choosing and Using Of
• Getting Credit During Retirement Years
• Over 50 Ways To Save Money
• About Those Pre-Approved Credit Cards
• How to Correct Mistakes In Your Credit Report 
• New Power to Fix Credit Reports
• Another Great Article On "Credit Repair"
• About Secured Credit Cards
• Those Unsolicited Credit Card Offers
• Your Consumer Rights About Credit
• The Truth About Those "Credit Card Loss Protection" Offers
• Zero-Percent Financing Deals
• Protecting Your Financial Privacy in Cyberspace
• What Debt Relief Advertisements Are About 
• Holiday Shopping Tips
• Automatic Debit Scams

• Checklist:  Before Cosigning A Loan
• Selecting a Financial Planner
• Picking A Credit Counselor
• Credit and Charge Card Fraud and How to Avoid It
• More On The New "Credit Scoring"
• The Truth About Credit Card Blocking 
• What Is Electronic Banking?
• Surviving in the event of a Job Loss
• Applying for Business Credit?
• About Living Trust
• Cosigning A Loan
• Fair Debt Collection
• About Debit Cards
• More About Debit Cards
• Credit Repair 
• Identity Fraud On The Rise

Thinking About Getting A Mortgage?

• Prepare yourself with this checklist
• Mortgage Choices
• Adjustable Rate Mortgages
• Selecting A Real Estate Agent
• Refinancing Your Mortgage Loan