No one likes having a bad credit score. However, having one doesn’t necessarily have to mean the end of the world. Sure, it’s easier to go through life with a high credit score, but if you have bad credit, credit cards and loans may still be things that you can take advantage of.

How?

There are companies out there that act as “middlemen”, that will work with you to find credit card and loan options that meet your needs, regardless of what your credit score is.

So, what kinds of things can these companies get you?

– An instant approval credit card

It may seem like an urban legend, but it really is possible to get an instant approval credit card. With one, the credit card company will tell you within a matter of minutes whether or not you meet their guidelines. Instead of having to fill out a bunch of forms, then waiting for the credit card company to mail you a response, many companies can tell you if you’re approved in less than 60 seconds! You just have to know where to find these offers; that’s what these middlemen specialize in.

– Bad credit credit cards

When you have poor credit, a credit card may seem like the last thing that you’ll ever be able to get. However, there are plenty of bad credit credit cards out there that were developed just for people like you! They won’t come with all of the freedom that a traditional credit card comes with, but they’ll give people with poor credit a credit card to use – instead of having to spend cash everywhere.

Depending on bad your credit really is, the credit cards you get may come with extra rules and regulations, higher interest fees, or they may be secured credit cards – meaning you have to deposit money on them first, before you can buy anything.

– Bad credit payday loans

If you just need a little bit of money to make it to your next payday – and your credit isn’t what it should be – that’s OK. These middleman companies specialize in finding bad credit payday loans. Like the credit cards, your poor credit might mean having to pay a little bit more interest, or having to follow a few more rules. But as long as you’re OK with a couple of extra regulations, you can get the money you need right now!