Our lenders accommodate a wide range of credit scores. Several lend exclusively towards consumers with poor credit. Our providers analyze more than just your credit score and offer more flexible requirements than traditional lenders. However, it is important to understand that your credit score, your financial history, and your ability to repay will still be taken into account. When reviewing your profile, lenders will also consider other factors such as your verifiable income.  While Pacifica Lending can help borrowers of all credit scores, we cannot guarantee that every borrower will receive their desired outcome.


Personal loans for borrowers with bad credit are a better financial product than a payday loan or cash advance. Our personal loans offer longer repayment terms and higher loan amounts for the qualified applicant. With a payday loan, borrowers can expect a one to two week advancement on their money. Borrowers have the potential to qualify for a substantially large amount of money with a personal loan, which will benefit those who need more than a week’s worth of financing.

Banks offer personal loans, but have restrictions that disqualify many borrowers who struggle with poor credit. The bank’s personal loan process can also be cumbersome and slow. Qualified borrowers with excellent credit will still need to fill out several applications and pages of information for the underwriting process, which will draw out the time before a borrower can receive their loan. Larger financial institutions such as banks are not always structured to meet the individual needs of the average borrower. For this reason, Pacifica Lending is able to excel in meeting our customer’s needs in a timely manner. We offer borrowers the chance to connect to multiple lenders, thereby offering borrowers a greater chance of financing than a traditional bank.