BadCreditLoans.com Review: Online Lending Marketplace for Bad Credit Borrowers

- Jan 12, 2026

Adheres to

BadCreditLoans stands out as a specialized marketplace focused on serving borrowers with challenging credit histories.

Their inclusive approach opens doors for those typically rejected by traditional lenders, with loans available even to those with scores below 500.

While higher interest rates and lower loan amounts apply to the poorest credit profiles, their transparent, no-obligation process make them an excellent option for borrowers needing fast access to emergency funds.

Accessible to Borrowers with Poor Credit Histories: BadCreditLoans specifically caters to individuals with bad credit, including those with credit scores as low as 500 or below.
Wide Network of Lenders in One Application: As a loan marketplace rather than a direct lender, BadCreditLoans connects borrowers to hundreds of potential lenders through a single application form.
No Application Fees or Obligations: BadCreditLoans offers a completely free service with no application fees or obligations to accept any loan offers presented.

Financer score™ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.

Pricing

100

Company offers loans with APRs ranging from 5.99% to 35.99%, which is in line with industry standards for bad credit loans. While the lower end of their rate spectrum is competitive, rates can climb significantly for borrowers with very poor credit.

Customer Support

During our testing, their support team responded quickly, but the quality of the answer was underwhelming at best. This is definitely an area where the company has room to improve.

Terms and Flexibility

Their loan terms are flexible, ranging from 3 months to 6 years. Borrowers with very low credit scores (below 500) will be limited to $1,000 loans. Somewhat lacks transparency for costs and APRs - you cannot find much information on the website.

Popularity

100

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

Users report excessive marketing communications after application and frustration with limited actual loan options. While the application process is simple, many customers complain about privacy concerns and data sharing practices.

Review this company Read reviews (61)

BadCreditLoans Personal Loan in BadCreditLoans.com – Details

Terms & fees

Loan amount$500 - $10,000

Term3 months - 6 years

Annual interest rate5.99% - 35.99%

Origination feeVaries by lender

Monthly fees$0

Requirements

Minimum age18

Minimum income$0

National bank requiredYes

National phone number requiredYes

Citizenship requiredYes

Electronic identificationYes

Features

Cosigner possibleNo

Revocation periodNo

Accept bad credit historyYes

Weekend payoutNo

Loan extensionsNo

Early paybackYes

Payment within 24 hoursYes

Loan brokerYes

Interest free loanNo

Additional fields

Payment hoursAlways open

High approval rateNo

Recommended companyYes

Company information – Details

Company nameBadCreditLoans.com

Websitehttps://www.badcreditloans.com

Phone(800) 245-5626

Emailcustomerservice@badcreditloans.com

Address2661 N Pearl St #431 Tacoma, WA 98407

Get started

Summary

Get access to a network of hundreds of lenders with one request form.
No fees or obligations.
A reputable, responsible lender.
Apply for loans up to $10,000
Repayment terms range from 3 to 36 months.

What is BadCreditLoans.com?

Traditional financial institutions can be reluctant to provide credit services to customers with bad credit, but BadCreditLoans.com is here to change that.

BadCreditLoans offers loans for bad credit to help borrowers improve their credit rating and get access to fast funding without taking out a payday loan.

Your credit history is typically the main factor used to determine your eligibility, and those with less-than-perfect credit find themselves with a small chance of getting approved.

With BadCreditLoans.com you can get loans from $500 up to $10,000 with fast funding and loan terms of up to three years.

This Nevada-based company offers loans to borrowers with credit scores of 500 or lower, by matching every borrower with suitable lenders.

BadCreditLoans.com is not a lender; it's a service that connects borrowers with a large network of credible lenders and financial service providers. The types of loans offered range from auto loans to mortgage loans.

You can use your BadCreditLoan offer for a range of purposes, like repaying debts, refinancing credit card debt, covering medical expenses, or even vehicle repairs.

There are several ways the lending process is different at BadCreditLoans.com. Some of the benefits include:

The service is open 24/7
No fees or obligations
It’s free to try
Data encryption technology protects your information
You choose how to use the funds
Responsible lending

As long you are working, BadCreditLoans.com can help – even if your current credit rating is less than desirable. BadCreditLoans.com is an easy-to-use service that connects you with a network of lenders.

Based in Nevada, BadCreditLoans.com is owned and operated by Chief LLC.

Where BadCreditLoans Stand Out

Some of the positive features of BadCreditLoans.com include:

Personal loans for individuals with bad credit
You don't need any collateral
No application fees
Competitive APRs
Easy online application form
No credit check
Fast funding after approval

Where They Can Improve

If you have a very low credit score you can't borrow more than $1,000 and the company is not a direct lender. They also have no BBB accreditation.

Products Offered

Bad Credit Loans offers the following:

Personal loans
Credit cards
Business loans
Student loans
Auto loans
Home loans
Mortgages

Although Bad Credit Loans provides a variety of loans, it is generally regarded as the top provider of personal loans for borrowers with bad credit.

Whether you need a loan for a car repair, debt consolidation, or medical costs, Bad Credit Loans will help you find a suitable option.

This online lending marketplace is made to make it easier for borrowers to get short-term, unsecured loans with terms of three to 36 months.

Unsecured loans do not require collateral as security from the borrower. Loan amounts range from $500 to $10,000, according to their website.

Even if the goal of BadCreditLoans.com is to help people with bad credit get loans, customers with credit scores below 500 will only be able to borrow $1,000.

How BadCreditLoans.com Works

Financial emergencies like fixing a car or handling overdue bills call for a personal loan and BadCreditLoans.com can help in just a few steps.

According to Badcreditloans.com reviews from customers, you can expect to receive funds within one business day. However, the processing time completely depends on the lender, and it could take longer.

Loan Requirements

Here are the loan requirements when applying for a Bad Credit Loans loan:

Be legal residents of the US
Be at least 18 years old
Have a regular source of income
Have a checking account
Have a valid email address and phone number

Be prepared to provide details like your bank account number, email address, and a working phone number when filling out an online form.

Rates & Fees

Bad Credit Loans offer personal loans with rates between 5.99% and 35.99% APR but will ultimately depend on the lender.

Example: A $2,000 loan for 12 months with a 19.9% APR will have a monthly repayment of $183.63 and the total repayment will be $2,203.56.

Repayment Terms

Once you accept a loan offer, the lender will present you with the repayment terms. Depending on the lender, this is generally between three to 36 months.

The approval process takes less than a day, and you can obtain BadCreditLoans.com for up to $10,000. Here is how it works in a nutshell:

Apply online

Fill out an online form and are connected with a lender from a pool of lenders, who will then review your request.

Get approval

A lender will then provide you with a loan offer based on the information provided.

Review and accept

If you want to accept the offer, you must agree to the terms via e-signature on the contract.

Receive funds

The lender will then distribute the funds to your account.

It takes only a few minutes to complete the application process online and once you've chosen the amount you need, you'll be matched up with suitable lenders.

💡 Note: You are not obligated to accept a loan offer if you do not agree to the terms. Read the terms of the loan carefully before agreeing.

Our Bad Credit Loans Review

Bad Credit Loans is a trusted lender. The online loan application process is fast and easy, although it requires a bit more detail than other applications.

The fact that anyone can submit a loan application, even those with bad credit, makes it accessible for people who have never had a loan approved before.

The BadCreditLoans.com website is straightforward and easy to use, with information about the rates and fees, repayment terms, and application requirements easily available.

Read genuine BadCreditLoans.com reviews from customers below.

BadCreditLoans.com FAQs

Is BadCreditLoans.com safe?

Yes. Bad Credit Loans is a trusted lender and a well-known online marketplace that matches borrowers with suitable bad credit loans from a variety of lenders in the U.S.

Is it easy to get a loan with bad credit?

Sometimes. It depends on your eligibility and creditworthiness. However, there are many lenders who offer loans to people with bad credit, but it may come with high interest rates. Always compare loan offers carefully and make sure you will be able to afford the monthly payments.

Will applying for a bad credit loan hurt my credit score?

Pre-qualification only results in a soft credit check. If you decide to take up a loan offer from a specific lender, it will then trigger a hard pull to finalize your application.

Latest Reviews

All reviews

Latest Reviews

It's a great company!

I have no complaints!

Pretty good for what they offer to you

Of course the pricing can be more manageable

one of your people literally hung up on me this is ridiculous I've got a 511 credit score carrying $8600 in credit card debt and I make enough money to pay you guys first before the debt let's work something out but not afterwards, what's really the difference when you buy a house the mortgage gets paid first and those payments get made this whole system just exists to hold people back

Would definitely tell any friends or family in a tight spot to give this site a try. They connected me with a lender who got me the $$ I desperately needed. Quick and simple to navigate.

Absolute life saver! Was really struggling to get essential things for my children and had no idea where to go. Thankfully I found this site. Applied fast and connected with a lender who provided the funds I desperately needed. Can't thank them enough!

Been dealing with a ton of medical bills and wanted to get a personal loan for consolidating my credit card debt. My credit isn't great at the moment but I figured I'd give it a shot and applied through badcreditloans.com. Everything was simple and easy to follow...got exactly the help I was looking for! Would absolutely recommend this to anyone in a similar situation.

Had to get some extra money for deck repairs. Really glad I found Bad credit loans. super simple process. They matched me with a lender and the funds came through within days.

First off, I have no clue how those people leaving 5 star reviews actually got loans from them, since they're not even a lender. They're a loan search engine. And honestly, I don't understand the point of using these types of sites. You spend all that time completing the form and just get sent to another loan search engine and it keeps going until you're completely worn out and by the end of it no actual loan offer, just tons of emails where most are scammers. Sites like this should be regulated by the FCC. Total waste of time and major risk of your personal data ending up on the black market.

Complete waste some guy named Alex Marshall supposedly approved 4,889 and when the checks went to my bank they were fake now my bank is planning to close my account and who knows what else he insisted he needed my mobile banking access or the money wouldn't get activated on the check my bank told me not to provide that now my account is locked I'm going to have to file charges or they

Total garbage. They just redirect you to other "loan search" websites trying to steal your debit card details. Pure scam

Straight to business. Easy to navigate.

None really. Find what works for you.

I can find happiness here

The price is high compared to other companies

Amazing chances

A bit too much in prices

I hope that this company will help me get a loan

Please help me get a a loan I really need it

Thank you

Just need cash fast, this is the place to do it

Well paying it back, oh my god

I loved this company . The staff were very friendly and helpful . I would definitely recommend them .

once you put in all your details, they simply send you to a different website where you enter everything again. they're just collecting your info to sell it. I suspect this might be a phishing operation. They gather extremely sensitive data, including bank details and SSN. They then sell your information to lenders who could potentially misuse it in harmful ways. Fortunately, I backed out before finishing but they are transparent in their advertiser disclosure about selling your data.

MY INFORMATION SHOWED UP ON DARK WEB AFTER I APPLIED

Simple process with clear directions, the form was really easy to use. The website felt secure and I was relieved they work with people no matter what their credit looks like.

This company seems to be able to provide many options to obtain a loan.

Interest rates may be higher than I want.

Very average

the institution really makes it easier for us to borrow money for those of us who are less able

Easy to navigate and clearly worded web page. Application fairly simple.

They don't give loans for credit under 600.

Absolutely the rudest phone experience I've ever had they actually called me stupid this is 100% a scam and it's revolting how they target vulnerable people dealing with money problems don't go near them

i was able to get a loan fast even with bad credit. luckily i found this lender and they were very helpful throughout the application. The process was straightforward and I received my funds quickly.

Perfect loans to get from BadCreditLoans

Please accept my loan request

pretty decent service overall.

Didn't approve me for anything. Don't even bother if you have bad credit.

Nice company

I don't think there is something downside yet

Very much what you expect from top designers, very good indeed

Should have been free in my opinion

Great Experience!

This looks like a phishing operation to me. They gather extremely sensitive details, including SSN and bank info. Then they turn around and sell your data to lenders who could potentially misuse it. Fortunately, I backed out before completing it but they do disclose in their advertiser terms that they sell your information.

Heard of the company and looking into trying to get a loan through them.

I haven't had a chance to apply for a loan

Why am I rating a service I haven't tried yet

Best one to win this time for the money

A bit pricey with the interest though

Fast and easy application for your loan business

The pricing is a bit much

It is good

Nothing

Really great experience. Badcreditloans offered me a really good loan offer. Highly recommend!

Pretty sure this is a phishing scam. They request highly sensitive data like your social security number, account and routing numbers, without any guaranteed loan at the end.

Pretty good but not the best

Too high price for me

my credit is terrible and i needed a loan badly, thankfully i came across this website and managed to get assistance.

Really helpful, quick process, secured me a loan despite my poor credit.

The customer service impressed me and finding a loan with bad credit was super easy. I'll be recommending this for sure.

really pleased with my experience using this bad credit loan website. felt secure entering my details and got approved for a loan immediately. the whole process was straightforward and everything was clearly explained on their site.

i'm incredibly happy i managed to get a loan despite having bad credit!! been trying everywhere to get a loan but so many online places are total scammers -- this one was actually safe to use though! read amazing reviews and i'm thrilled i chose them, because i received funds same day with zero hassle or scam nonsense. ABSOLUTELY GREAT! definitely go with these people if you've got bad credit and can't qualify anywhere else, they'll genuinely help you out during an emergency.

honestly blown away by how professional, straightforward, and secure this loan site turned out to be. sure, my credit isn't great. but badcreditloans came through -- the whole process was easy, got approved immediately, and nobody ever sold or misused my info. pretty solid for a cash advance company.

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BadCreditLoans.com Review: Online Lending Marketplace for Bad Credit Borrowers