Fast. Easy. Secure.

How We Determine Creditworthiness

We offer bad credit personal loans to customers who have been ignored by other banks and credit card companies. We don't use your credit score to determine whether you qualify for a loan. Instead, we look at other factors that tell us more about your commitment to paying back the money you borrow, such as the following:

• Must be at least 18 years of age
• Cannot be a bankruptcy case debtor or plan to file for bankruptcy soon
• Must have a steady income source that meets our minimum income requirements

We appreciate the stability of a steady job and work with you to determine loan terms you can thrive with. We also consider budgets, looking at how a loan will fit into your existing financial commitments.

We never use your credit history as the determining factor because so much can change for your situation. You may have had circumstances in the past that made it difficult to repay your debts, but that shouldn't bar you from borrowing money in the future.

What to Expect From the Application and Payment Process

Our online loan application takes just a few minutes to fill out. We get back to you on the status of your loan quickly, sometimes even on the same day you apply.

Once your loan has been approved, we discuss the terms of the loan. We look at your financial situation to decide what type of payments you can handle. We want you to feel confident you can repay your loan through the terms we agree on. Each person's situation is unique, so we make the terms of each loan unique as well.

Applying for a Loan With Us Won't Affect Your Credit Score

Many people worry that applying for a loan will negatively impact their credit score. That won't happen at Atlas Credit. When you fill out our application, we do a soft inquiry. A soft inquiry won't impact your credit at all. It is available for reference only, and it is indisputable. It is a safe way to see your credit history without impacting your future ability to secure loans.

What Credit Scores Are Accepted?

We accept a range of credit scores, including "bad" credit. You don't need to worry about your credit when you apply with us.

How Much Has Atlas Credit Loan?

We have loaned millions to thousands of people throughout Texas and Oklahoma since opening our doors in 1968. We care about our customers and their families, and we make personal connections to everyone we serve.

How Can a Personal Loan Change Your Life?

If you live paycheck to paycheck, you know how stressful it can be to worry about whether you can make your next mortgage payment. You may find yourself deciding between paying a utility bill or a credit card bill. You have a steady job and a great work ethic, but you can't seem to stretch your money enough to live comfortably. You constantly worry about your bills.

A personal loan can alleviate so much of that tension. When you get a personal loan, you can pay down your most pressing debt immediately. You no longer have to worry about making a monthly payment, and you can even get ahead on things like utilities and mortgage payments.

With a personal loan from Atlas Credit, you may even have enough left over to enjoy something special. Put away some of the money for holiday presents or take the vacation your family has always dreamed about. A personal loan can change your life for the better.

Where Can You Find an Atlas Location Near You?

We have Atlas Credit offices located conveniently throughout Texas, Oklahoma and Virginia. Check out our locations and learn more about our local offices.