Women’s access to credit has historically been restricted by systemic discrimination and by outdated financial structures, limiting female economic independence and business opportunities. While landmark pieces of legislation such as the 1974 Equal Credit Opportunity Act (ECOA) in the United States have attempted to address these issues, research continues to indicate that gender biases in credit persist. While previous academic studies have examined econometrics, Fletschner (2008), and legal reforms, Garikipati (2008), this paper argues that deeply ingrained societal biases continue to shape credit lending systems, disproportionately disadvantaging women. By analyzing case studies from the United States, India, and South Korea, this research evaluates how gender-based disparities in credit access manifest across different economic and cultural contexts. The study incorporates data from financial institutions, government reports, and scholarly articles to highlight ongoing barriers. Ultimately, this paper argues that while progress has been made, financial institutions remain skewed in favor of men, necessitating policy changes that prioritize inclusivity and fairness. Without reform, women will continue to face unnecessary hurdles in obtaining credit, reinforcing long-standing economic inequalities.