👩👧 Loans for Single Mothers —
Personal Loans for
Single Mothers — Fast Approval
Child support, benefits, and employment income all accepted. Bad credit OK. Apply free in 2 minutes and get funded as fast as today — no branch visit required.
Apply Now — Single Moms Welcome →
✓ Child support accepted · ✓ Bad credit OK · ✓ No hard pull · ✓ Same-day funding
Last updated: · Reviewed by Money247 Editorial Team
Personal loans for single mothers are available even with bad credit. Many online lenders accept child support payments, government benefits, and part-time work as qualifying income. You do not need perfect credit or a high salary. In , single moms can apply online in 2 minutes and receive funds the same day.
What Single Mothers Can Use a Loan For
Personal loans cover any expense — no restrictions on how you use the funds.
🚗
Car Repairs
Keep your car running so you can get to work and take care of your family.
🏠
Rent or Mortgage
Cover rent gaps or avoid late fees when bills come before payday.
🏥
Medical Bills
Cover unexpected medical or dental costs for you or your children.
⚡
Utility Bills
Keep electricity, heat, and water on for your family.
🎒
Back to School
Cover school supplies, uniforms, and fees for your kids.
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Debt Consolidation
Combine multiple payments into one lower monthly payment.
Key Facts — Single Mother Loans
$500–$50KAvailable loan amounts
500+Min credit score accepted
Same DayFunding available
300+Lenders in network
Best Loan Lenders for Single Mothers —
⭐ #1 Best for Single Mothers — Money247 Top Pick
Single Mom Loan Network — Money247
Best Overall
500+Min Score
$50KMax Loan
Same DayFunding
Child support income acceptedBenefits income acceptedBad credit OKNo hard pull to check rate300+ lenders compete for you
Apply Now — Single Moms Welcome →
Single Parent BadCredit Loans
Bad Credit OK
NoneMin Score
$15KMax Loan
24 HrsFunding
No minimum credit scoreIncome-based approvalAll income types acceptedFast 60-second decision
Apply With Any Credit Score →
Family First Personal Loans
Most Popular
500+Min Score
$50KMax Loan
Same DayFunding
Most popular for single parentsFree prequalificationEmergency funding availableAll 50 states served
Check My Loan Options →
How to Apply — 4 Simple Steps
Apply Free at Money247.com — 2 Minutes
Enter your total monthly income — include child support, benefits, employment, or any other source. No hard credit pull. Your score is not affected.
Get Matched With Lenders Instantly
300+ lenders review your application and compete to offer you the best rate.
Choose Your Best Offer
Compare real offers. Hard inquiry only when you formally accept a specific loan.
Sign and Get Funded Same Day
Sign electronically. Funds deposited directly into your bank account — same day if you apply before 2 PM.
Frequently Asked Questions — Loans for Single Mothers
Can single mothers get personal loans with bad credit?+
Yes. Many online lenders accept single mothers with bad credit. They look at your total monthly income — child support, benefits, employment — rather than just your credit score. Apply free at Money247.com to see your real options.
Does child support count as income for a personal loan?+
Yes. Child support payments you receive count as qualifying income. Add it to any other income sources when you apply. Lenders cannot legally discriminate based on whether your income comes from child support.
Can single mothers on government assistance get a loan?+
Yes. Many lenders accept government assistance and benefits as qualifying income alongside other sources. Enter your total monthly income from all sources when you apply.
How fast can a single mother get a personal loan?+
Same day to 24 hours. Apply before 2 PM on a weekday for the best chance of same-day direct deposit.
Will applying affect my credit score?+
No. Checking your rate at Money247.com uses only a soft credit inquiry which does NOT affect your credit score.
Ready to Check Your Loan Options?
One free application — child support and benefits income accepted. No impact to your credit score. Many users receive a response in minutes.
Apply Free — Single Moms Welcome →
Related Loan Options
Disclaimer: Money247.com is a loan matching service, not a direct lender. Loan approval is not guaranteed.
Get Your Loan as a Single Mother Today
Child support, benefits, and employment all count. Takes 2 minutes. No credit score impact. Bad credit OK. Same-day funding available.
Apply Now — Single Moms Welcome →
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