A marriage that had to end. An attorney who required a $3,500 retainer before filing. Two children. A 532 credit score on a single income she had been rebuilding for eight months. Three offers in 25 minutes.
Apply Free — Divorce Loan →Angela had been building toward this decision for eight months — quietly, carefully, in the way that people build toward decisions they have already made but need to make sure of before they make official. She had a job. She had an apartment lined up. She had told her sister. She had found an attorney through a referral from a colleague who had been through the same process two years before.
The attorney required a retainer of $3,500 before filing anything. This was standard, the attorney explained — a retainer against billable hours, applied as work was done, refunded if unused. It was also $3,500 that Angela did not have, eight months into rebuilding a single income after years of shared finances that had left her with a credit score of 532 and savings of $280.
She searched "divorce loan bad credit fast." Money247.com appeared. Income-only lenders, bad credit from 500, soft check, same-day deposit. She applied at 7:15 PM, connecting her account to show eight months of office manager income — consistent, building, telling the story of someone who had been working steadily toward something.
At 7:40 PM — 25 minutes later — three offers. Best offer: $3,500 at 28% APR over 36 months. Monthly payment: $136. She accepted. The deposit arrived the following morning. She paid the retainer. The attorney filed the paperwork. The process that had to start started.
"Eight months of rebuilding on a single income. A decision already made. A $3,500 number standing between her and the process starting. The income-only lender looked at the account and answered in 25 minutes."
— Why current income tells a more complete story than a credit score aloneAttorney retainers for divorce proceedings typically run $2,500–$5,000 before any work begins — a requirement that can delay or prevent access to legal representation for people in exactly the financial situations that most require it. A personal loan from Money247.com based on current income history provides the retainer upfront so the legal process can begin on the client's timeline, not a savings accumulation timeline.
Angela's divorce was finalized seven months after the paperwork was filed. She has full custody of her two children. She has made 14 monthly payments of $136. Her credit score moved from 532 to 568. The $3,500 retainer that started the process returned $800 unused at the close of the case — applied to her loan balance. The process that had to start is finished.
Bad credit from 500. Soft check only. Same-day deposit. 300+ lenders competing.
Apply Free — Divorce Loan →Bad credit from 500. Soft check only. Same-day deposit. 300+ lenders. Free in 2 minutes.
Apply Free — Divorce Loan →