Lending For Bad Credit Review
Lending For Bad Credit (LFBC) is a legitimate, free marketplace that passes your loan request on to lenders, but it is not a lender itself.
It is aimed at people with poor credit: you fill in one form for $100 - $40,000, and a lender in its marketplace may make you an offer.
Our verdict: it is a real business with clear disclosures, but historically most people who get an offer only see a short-term loan, and your details can be sold more than once.
Lending For Bad Credit at a glance
| Detail | What Lending For Bad Credit says |
|---|---|
Type of service | Loan request marketplace, not a lender |
Loan amounts | $100 - $40,000 |
Who lends | Lenders in its marketplace; its terms name one participant, OneMain |
APR | No greater than 35.99% on its offers, per its disclosure; set by the lender |
Fees charged by Lending For Bad Credit | None |
Credit score | All credit considered |
Funding | As soon as the next business day, if a lender accepts your request |
Not available to | Residents of Connecticut, New Hampshire, Vermont, and Washington; active-duty military |
Operator | Search ROI, LLC, Overland Park, Kansas; site dated 2011 by its copyright line |
Trustpilot | TrustScore 2.5 out of 5 from 4 reviews (October 16, 2026) |
What is Lending For Bad Credit?
Lending For Bad Credit is an online lending marketplace run by Search ROI, LLC, which lists a mailing address in Overland Park, Kansas. It calls itself a referral service for cash advances and personal loans: it passes your request on to lenders.
You pay nothing; lenders and other companies pay it referral fees. Its advertiser disclosure says this can affect which offer you see, and that the offer may come from the company that bid the most for your information and may not have the most favorable rates or terms.
Its privacy policy shows the marketplace also includes debt relief providers, aggregators, and email and direct mail marketers. The footer displays the Online Lenders Alliance (OLA) seal, and the brand says it follows the federal laws for its service.
Is Lending For Bad Credit a direct lender?
No. Lending For Bad Credit is not a lender, and its terms say it does not broker loans, make cash advances, or make credit decisions. Your request goes to its marketplace, and a lender there decides whether to make you an offer.
If you would rather deal with one lender from the start, compare direct lender loans. Services that pass one request on to several lenders are on our personal loan brokers page.
How Lending For Bad Credit works
Fill in the loan request form
Give your contact details, date of birth, Social Security number, job and bank details, and the amount you want. The brand says this takes two minutes or less.
Let the marketplace review it
This usually takes a few seconds, the brand says. If a lender wants to make you an offer, it contacts you or the site sends you to its website.
Read the lender's terms
On the lender's website, you see the terms and decide, with no obligation to take the loan.
Expect the lender to contact you
In many cases, the lender calls, emails, or texts you to confirm your details and finalize the loan. It may also run a credit check.
Get the money
If a lender accepts your request and you sign its loan documents, funds can arrive as soon as the next business day. Transfer times vary by lender and local law.
Loan amounts and loan types
You can request a personal or installment loan in the $100 - $40,000 range, for many purposes. What you get depends on your eligibility, and not every lender can offer the amount you request.
Read the Personal Loan Notice first. If you do not meet personal loan lenders' criteria, the site may send you to a lender with other short-term loans. Historically, the vast majority of people who get an offer only see a short-term option of $100 - $2,500, with less favorable rates and shorter terms.
In some cases, you may be offered a loan from a tribal lender. Per the brand, tribal lenders are not bound by state law, including state limits on interest, and their rates and fees may be higher than a state-licensed lender's. You may also have to settle disputes in a tribal jurisdiction.
If no lender connects with you, the site may show you other providers, such as debt relief companies. You can also compare loans for people with bad credit on Financer.
What a loan through Lending For Bad Credit costs
Lending For Bad Credit charges you nothing. The lender sets the APR and fees, which depend on factors such as state law, your credit and employment history, the amount, and the loan term.
According to Lending For Bad Credit, APRs on its offers are no greater than 35.99% (as of October 16, 2026). The brand words this cap for rate quotes shown to visitors who arrive from a paid Google or Bing ad. Your actual rate depends on your credit score, the loan amount and term, and your credit usage and history, and you agree on it with the lender.
Paying late costs extra: the lender will likely add a new charge and may move the due date to your next payday. Each extension or renewal can add another charge, which the brand calls an Extension Fee, and these charges can be significant.
Lending For Bad Credit does not enforce payment or renew loans. The lender may take legal action, add fees, and report late or missed payments to the credit bureaus, which can hurt your score. Before you sign, read the lender's Truth in Lending disclosure and loan agreement.
Requirements to submit a loan request
Each lender sets its own rules. The first two points come from the terms; the FAQs list the rest as general requirements that lenders may have:
- At least 18 years old, or the age of majority in your state
- Not a resident of Connecticut, New Hampshire, Vermont, or Washington, and not an active-duty member of the military
- Monthly income of $1,000 or more
- Current job held for at least four weeks
- A bank account in your name
- Valid home and work phone numbers
Lenders also need your date of birth and Social Security number to comply with the Patriot Act, the brand says. The form asks for information, and in some cases faxing may be required.
Will a loan request affect your credit score?
Lending For Bad Credit says submitting its form will not affect your credit score. A lender can still check it: by submitting, you give connected lenders your written consent, under the Fair Credit Reporting Act, to get your credit report.
Per the brand, lenders may use databases such as Teletrack, DP Bureau, or DataX, or the credit bureaus Experian, Equifax, and TransUnion. Ask the lender how it checks credit before you agree to anything.
What happens to your personal data
To pass on your request, Lending For Bad Credit collects your Social Security number, driver's license, employer, income, pay dates, and bank account and routing numbers, among other details.
Your details may go to an aggregator or a marketer rather than a lender, and the brand says they can be sold multiple times, leading to offers from several lenders and marketers. Buyers may add information about you from other sources.
By submitting, you agree to be contacted by phone, email, or mail, and its privacy policy lets it share your details with third-party marketers, who may also text you. Companies that review your request may keep your information for their own marketing, even if you do not qualify.
The site also tracks your visit with cookies, web beacons, and session replay tools such as Jornaya's LeadiD and ActiveProspect's TrustedForm.
To stop the service, change how it contacts you, or have your data corrected or deleted, use the form on its Contact Us page or call (833) 321-7764. California residents can also use its Do Not Sell My Personal Information page.
Companies that already have your details follow their own privacy policies, so ask each one that contacts you to stop. A separate email address and phone number for loan requests keeps the follow-up out of your main inbox.
Is Lending For Bad Credit legit?
Yes, Lending For Bad Credit is a real, identifiable business. Its terms name the operator, Search ROI, LLC; every page lists its mailing address in Overland Park, Kansas; and its Contact Us page gives a phone number.
Its terms of service (updated January 17, 2024) and privacy policy (updated February 1, 2024) are public, its forms use encryption, and its footer displays the OLA seal. The copyright line dates the site to 2011, and it says on several pages that it is not a lender.
The complaints come from how the model works: your information can be sold more than once, so calls and emails follow, and historically most people who get an offer only see a short-term loan.
Its terms also send disputes to binding arbitration (a private process instead of a court case) under Kansas law and rule out class actions, unless you opt out by letter within a 30-day window after accepting them.
Our conclusion: Lending For Bad Credit is a legitimate marketplace, not a lender, and using it means your details can reach several companies.
What customers say about Lending For Bad Credit
On Trustpilot, Lending For Bad Credit has a TrustScore of 2.5 out of 5 from 4 reviews, all 1-star, as of October 16, 2026. The profile is unclaimed, and the reviews date from November 2023 to March 2026.
They describe the same problems:
- Personal data shared with or sold to other companies
- Unwanted calls, emails, and texts afterward
- Being declined whatever their credit score
- Being passed on to other loan search sites or, in one case, to a live chat that was a credit repair site
Four reviews is a small sample, but readers who left reviews on Financer describe the same experience.
Who Lending For Bad Credit suits, and who should look elsewhere
Lending For Bad Credit may suit you if:
- Your credit is poor and you want to reach its lenders with one form
- You need a small sum and accept that a short-term offer is likely
- You are fine with calls and emails from lenders and marketers
- You live outside Connecticut, New Hampshire, Vermont, and Washington
Look elsewhere if:
- A bank or credit union will lend to you: compare that offer first
- Your credit is fair: compare personal loans for fair credit
- You want to combine debts: compare debt consolidation loans, or talk to a credit counselor, which the brand itself recommends for credit difficulties
- You need a long-term solution, or you want to keep your data private
FAQ: Lending For Bad Credit
Is Lending For Bad Credit legit?
Yes. It is a real business run by Search ROI, LLC, with a mailing address in Overland Park, Kansas. It is a marketplace, not a lender, and most complaints are about data sharing and the calls and emails that follow.
Is Lending For Bad Credit a direct lender?
No. It passes your loan request to lenders and lending partners in its marketplace, and they decide whether to make you an offer.
How does Lending For Bad Credit make money?
Lenders and other companies pay it referral fees. Its advertiser disclosure says the offer you see may come from the company that bid the most for your information.
Does a loan request affect my credit score?
The brand says its form will not, but a lender you are connected with may still check your credit.
How fast can funds arrive?
As soon as the next business day, according to the brand, if a lender accepts your request and you sign its loan documents.
Which states are excluded?
Connecticut, New Hampshire, Vermont, and Washington. The service is also closed to active-duty members of the military, and the states it serves may change without notice.
How do I stop the calls and emails and delete my data?
Use the contact form on its website or call (833) 321-7764 to unsubscribe and ask for deletion. Companies that already have your details follow their own privacy policies, so contact them too.
What if I cannot repay?
Talk to your lender before the due date. Per the brand, the lender will likely add a new charge, may take legal action, and may report late or missed payments to the credit bureaus.
Sources
- Lending For Bad Credit, homepage
- Lending For Bad Credit, FAQs
- Lending For Bad Credit, Personal Loan Notice
- Lending For Bad Credit, Advertiser Disclosure
- Lending For Bad Credit, About Us
- Lending For Bad Credit, Terms of Service
- Lending For Bad Credit, Privacy Policy
- Lending For Bad Credit, Contact Us
- Trustpilot, Lending For Bad Credit reviews
- Online Lenders Alliance