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  • Apply for loans up to $10,000
  • No fees or obligations
  • Access to a network of hundreds of lenders
  • Bad credit history allowed
Author  Joe Chappius
Last updated: October 12, 2023
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BadCreditLoans.com Review

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.

Note: BadCreditLoans.com is not a lender; it’s a service that allows you to access a network of hundreds of lenders with one request form.

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
Chosen 91,392 times
  • Apply for loans up to $10,000
  • No fees or obligations
  • Access to a network of hundreds of lenders
  • Bad credit history allowed

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:

How To Apply for a Bad Credit Loans Loan

Step 1

Apply online

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

Step 2

Get approval

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

Step 3

Review and accept

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

Step 4

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.

Chosen 91,392 times
  • Apply for loans up to $10,000
  • No fees or obligations
  • Access to a network of hundreds of lenders
  • Bad credit history allowed

Our Bad Credit Loans Review


  •  Offers smaller loan amounts up to $10,000

  • May attract higher APRs depending on the lender

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. 

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Reviews of BadCreditLoans.com

BadCreditLoans.com is rated 95 out of 316 companies in total rating and got an average review score of 3.5 based on 35 reviews. Their weakness is Interest & Costs and their strength is Support & Service.
Customer reviews
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Nyrelee Torres 1 review | February 15, 2023
Personal Loan Review
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Araceli Verduzco 1 review | February 15, 2023
General Review
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roderick jones 1 review | February 4, 2023
Personal Loan Review
Jut need cash fast place to do it
Well paying it back omg
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Krissie Swan 1 review | January 4, 2023
General Review
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Karen Mead 1 review | September 1, 2022
General Review
Easy to navigate and clearly worded web page. Application fairly simple.
They don’t give loans for credit under 600.
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Bailey Hipp 1 review | September 1, 2022
General Review
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Jasmine Barnes 1 review | September 1, 2022
General Review
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Layla Cole 8 reviews | August 29, 2022
Personal Loan Review
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Avery Kelly 1 review | August 19, 2022
General Review
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Menelik Smith 1 review | June 29, 2022
General Review
Straight to business. Easy to navigate.
None really. Find what works for you.
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