Better alternatives to payday loans for someone with bad credit
Compare seven safer ways to borrow with bad credit, from credit union loans and cosigner loans to paycheck advances, plus non-loan options for an emergency.
Together Loans Guides
Lending insights, cosigner loan guides, and articles to help you borrow smarter – even with bad credit.
How to get a personal loan with a cosigner
Get a personal loan with a cosigner, step by step: what a cosigner does, which lenders accept one, who can be your cosigner, and what to check before you apply.
Lenders that accept cosigners for bad credit personal loans
Compare lenders that accept a cosigner on a bad credit personal loan, including credit unions and online lenders. See what cosigners need and what to check.
Can someone cosign a loan for me if I have bad credit?
Yes, a cosigner can help when your credit is poor. Learn how cosigner loans work, who can qualify as your cosigner, and how to protect the relationship.
What a cosigner agrees to
Learn what the borrower and the cosigner each agree to on a cosigner loan, what happens if payments are missed, and how to protect the relationship.
How to tell if a lender is legit
Spot five warning signs that a lender isn't being straight with you, from no clear APR to hidden fees and pressure to sign, and what a fair lender looks like.
What are cosigner loans?
Learn how a cosigner loan works step by step, who can be a cosigner, how it differs from a co-borrower, and when it can be a better choice than a payday loan.
Why payday loans are bad
Payday loans carry very high APRs, short repayment windows and rollovers that grow what you owe. See how they can hurt your credit, and what to do instead.
What affects your credit score
Learn the five factors that shape your credit score, from payment history to new credit, how much each one counts, and practical steps to improve a bad score.