Bad Credit?
No Problem.
Get up to $100,000 even with a low credit score. We specialize in helping people with fair and poor credit consolidate debt, handle emergencies, and improve their financial future.
Why Choose ClearStep Loans?
We're not your typical lender. We specialize in helping people with less-than-perfect credit get the funding they need with transparent terms and genuine support.
Beyond Credit Scores
While others see a number, we see your potential. We consider your income, employment history, and financial goals – not just your credit score. FICO 350+ accepted.
Transparent Pricing
No surprises, no hidden fees, no gotchas. You'll know exactly what you're paying before you sign. Fixed rates mean your payment stays the same for the life of your loan.
Fast Funding Promise
When life happens, you need money fast. Get approved in minutes with our soft credit check, then receive funding as soon as the same day once everything is finalized.
Credit Health Support
We don't just give you a loan and disappear. Our team provides ongoing support to help you manage your debt, improve your credit, and build a stronger financial future.
Ready to get started?
Get your personalized rate in 2 minutes
How It Works
Getting your loan is simple and straightforward. No complicated processes, no endless paperwork – just three easy steps to get the funding you need.
Apply Online
Fill out our secure 2-minute application. We use a soft credit check that won't hurt your credit score to pre-qualify you for a loan.
Review Your Options
We'll call you within 24 hours with your personalized loan options. Compare rates, terms, and monthly payments to find what works best for your budget.
Get Funded Fast
Choose the loan that's right for you and complete the final paperwork. Once approved, receive your funds as soon as the same business day.
Ready to start your application?
Join thousands of customers who have improved their financial situation with ClearStep Loans.
Get My Personalized Rate*Same day funding available for qualified applicants who complete the process before 2 PM ET on business days
Your Security is Our Priority
We understand that trust is earned. That's why we maintain the highest standards of security, transparency, and regulatory compliance to protect your information and interests.
Bank-Level Security
256-bit SSL encryption
Same security used by major banks
Privacy protection guarantee
We never sell or share your personal data
Secure data centers
Multi-layered physical and digital security
Licensed & Regulated
State licensed lender
Licensed to operate in all 50 states
CFPB compliant
Consumer Financial Protection Bureau oversight
Responsible lending practices
Fair lending standards and ethics
BBB Accredited
Better Business Bureau A+ rating
4.8/5 Stars
From 10,000+ verified customers
No Hidden Fees
100% transparent pricing promise
US-Based Support
Real people, US-based support
Your Trust, Our Commitment
Over 50,000 customers have trusted us with their financial needs. We're not just a lender – we're your partner in building a better financial future.
Real Stories from Real Customers
Don't just take our word for it. Here's how ClearStep Loans has helped thousands of people improve their financial situation and achieve their goals.
"I had $47,000 in credit card debt across 8 different cards. ClearStep helped me consolidate everything into one affordable payment. My credit score actually improved by 120 points in 18 months!"
Maria R.
Texas • Debt Consolidation
"After a storm damaged our roof, we needed $35,000 fast. Banks said no because of my 610 credit score, but ClearStep approved us the same day. Fixed our home and our financial stress!"
James K.
Florida • Home Improvement
"When my daughter needed emergency surgery, the medical bills were overwhelming. ClearStep gave us breathing room with a $25,000 loan at a fair rate. No judgment, just genuine help when we needed it most."
Lisa M.
California • Medical Emergency
Join Over 50,000 Satisfied Customers
Average Rating
Loans Funded
Points Average Credit Improvement
Customer Satisfaction
Join the thousands who've improved their financial future
Frequently Asked Questions
Have questions about our loan process? We've got answers. Here are the most common questions we get from customers looking to improve their financial situation.
Still Have Questions?
Our friendly team is here to help. Get personalized answers about your specific situation.
About ClearStep Loans
Founded in 2018 with a simple belief: everyone deserves a fair chance at financial success. We're a US-based company that looks beyond credit scores to help over 50,000 customers achieve their financial goals.
Founded
Customers Served
Loans Funded
BBB Rating
Want to Know More About Our Mission & Team?
Learn about our core values, leadership team, and why we're different from traditional lenders.