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BadCreditLoans.com Review


  • Plenty of loan options
  • No hidden fees
  • Fast processing times


  • Not a direct lender
  • High-interest rate for those with bad credit history

Average Rating: 4

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BadCreditLoans.com has been offering loan assistance since 1998. The service makes it easy for people to find the right loans that suit their specific needs. The network that the platform gives access to includes both state and Tribal lenders. Tribal lenders tend to have higher rates.

What makes this service unique is that it allows people to connect with suitable lenders regardless of their credit history, which is a big advantage, especially for those who don’t have good credit.

We went through many Bad Credit Loans reviews online and synthesized all the information you need about this service here.


The service allows users to find business and personal loans, student loans, auto loans, debt consolidation loans, and even mortgages.

What sets Bad Credit Loans apart is that it doesn’t charge users for connecting to a lender through the platform. The information you provide is used to connect you to suitable options depending on the type of loan you’re looking for.

It’s important to remember that BadCreditLoans.com isn’t the actual lender. Any fees you encounter will be charged by the lender you pick from the platform’s vast network. Customers also have the opportunity to review all rates and other terms before they accept the offer.

While lenders are the ones who determine the fees and interest rates on the loans they provide, APRs (annual percentage rates or simply interest rates) range between 5.99% and 35.99%. Customers with a bad credit history could expect to pay higher.


When searching for bad credit loans online, one difficulty many face is adhering to all lender criteria. Fortunately, BadCreditLoans has few and straightforward requirements. You have to comply with the following to use the platform and find a loan provider:

  • You must be 18 years of age or older
  • You must be a US citizen
  • You must have your own checking account
  • You must provide information on your current employer

That’s everything you need to qualify, but specific lenders may have additional requirements.

Loan Terms

The maximum amount you can obtain with poor credit is $1,000. But if you have a FICO score higher than 500, you can get a maximum loan of $10,000. The factors that influence the APR depending on the loan provider you choose. Lenders usually take into account things, such as loan amount, interest rate type, loan type, etc.

As noted earlier, the APR you can expect to pay for a loan will be between 5.99% and 35.99%. Repayment periods range from 3 months to 36 months, giving you a lot of flexibility when repaying your loan.

It’s also common for lenders of personal loans to charge an origination fee, which is usually around 8% of the loan’s amount. We went through many Bad Credit Loans reviews online that say users were charged such a fee. Repayment periods can range from 3 months to 36 months, depending on the lender and the amount.

How to Apply

We went through many Bad Credit Loans reviews and found the easiest way to apply for a loan using this platform. Here’s a step-by-step guide on the application process:

  1. First, you need to provide your first and last name, birth date, and say whether you’ve been in the military. You also have to indicate the amount you need, along with the reason for the loan and your estimated credit score.
  2. In the next step, you need to provide your contact information, including email, phone number, and mailing address. You have to indicate how long you’ve been a resident at your current address. The platform also asks for information on your employment, including your employer’s name and phone number and how long you’ve been employed there. Your monthly income is also required, along with your driver’s license, bank account info, and Social Security number.
  3. Once you reach page three, you’re almost finished. Here you have to provide your detailed bank information, including your account number and bank routing number, and the number of years you’ve been a client of your bank.

One of the main concerns of online customers when trying to find bad credit lenders is whether their personal information is safe. We read many Bad Credit Loans reviews and didn’t find any negative ones that say user data was compromised. In fact, Bad Credit Loans online approval is one of the highest we’ve seen. The company uses the latest security protocols to keep user data secure.

Who Is BadCreditLoans.com Best For?

BadCreditLoans.com is an excellent choice for those who have a FICO score below 500, but it can also help people with higher scores. It’s one of the best options for those that need to obtain funds quickly for unexpected expenses.

BadCreditLoans Customer Reviews

The company is not accredited by the Better Business Bureau (BBB), but based on the Bad Credit Loans reviews and testimonials we read, it’s a reliable service. In fact, the platform has many positive customer reviews, which is a great indicator of the level of service it provides.

Pros and Cons


  • Great for those with a bad credit score
  • Easy to obtain a small loan
  • Fast processing times
  • No hidden fees
  • Good reputation
  • Plenty of loan options


  • Not a direct lender
  • The high-interest rate for those with bad credit history

Customer Support

After going through a number of Bad Credit Loan reviews, we concluded that it provides high-quality customer service. The platform offers multiple methods of getting in touch with representatives to answer your questions. You can contact Bad Credit Loans by phone at 800-245-5626 or by email at [email protected]. There’s also an online form that you can fill in to get the information you’re looking for.


  1. Is Bad Credit Loans legit?

Reviews online attest to BadCreditLoans.com’s reliability. It’s a legitimate provider of information for those who have bad credit and are looking for lenders.

2. What type of loans does Bad Credit Loans provide?

You can find the network of lenders on BadCreditLoans.com offers personal loans, business loans, student loans, auto loans, home loans, and mortgage loans.

3. Is Bad Credit Loans safe?

BadCreditLoans.com takes all the necessary steps to ensure the safety of your personal information.