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BadCreditLoans.com Reviews (2023): Pros, Cons & Alternatives

Last modified: Mar 23, 2023

Loan Types: Personal loans
Loan Amount: $500-$35,000
APR Range: 5.99% - 35.99%
Funds Availability: All 50 states
Minimum Revenue: Not specified
Loan Term: 90 days - 72 months
Funding Time: One business day
Credit Score Requirements: None
Pricing: No fees

BadCreditLoans.com caters to all borrowers, but as the name suggests, works hard to connect those with less than perfect credit scores with suitable lenders. 

Want to learn more about how this lending platform works and what you need to make a loan request?

Going through BadCreditLoans.com reviews like this one will tell you more about the site’s strengths and weaknesses and help you decide if Bad Credit Loans is worth your time. 

What is BadCreditLoans?

Bad Credit Loans is an online loan marketplace offering legit personal loans for bad credit.

Bad Credit Loans is not a direct lender. It actually provides loan comparison services, connecting potential loan applicants with the site’s affiliate lenders. Prospective borrowers only get offers that are relevant to their loan request, thus saving time and effort when comparing rates and terms. 

You might have guessed from the name that this Washington-based company specializes in providing loans for people with bad credit. In fact, Bad Credit Loans doesn’t have any credit requirements, so anyone, including those with no spending history, can find a credit-related product or service for them on the site. 

Bad Credit Loans prides itself on being able to provide fast, secure, and transparent services and it definitely delivers in this area. The entire application procedure is done online and only takes a few minutes, after which you will receive loan offers from several authorized lenders. 

If approved, you could get a loan from $500 to $10,000 within 24 hours, which many Bad Credit Loans reviews cite as the company’s biggest selling point. 

Who is BadCreditLoans.com best for?

Borrowers with bad credit

If your credit score is not that great, Bad Credit Loans can connect you with lenders willing to offer personal loans for bad credit. The platform goes a step beyond this and can even find credit-related services for loan applicants whose credit score is under 500, such as debt relief, credit monitoring, credit repair, and similar products. 

People who need quick access to small personal loans 

Need to pay off debt or cover healthcare costs? Are you having some unexpected expenses, such as car repairs or last-minute vacation plans? With Bad Credit Loans, you can get the right personal loan for your needs.

Bad Credit Loans can give you multiple offers from legit loan providers willing to lend you anywhere from $500 to $10,000 with no collateral needed. On top of that, offers from lenders will start rolling in a few minutes after you complete the application form on the site, while loan disbursement time is usually under one business day. 

How Does BadCreditLoans Work?

Bad Credit Loans is not only reliable and convenient but free as well. 

Prospective loan applicants will not be charged for using its services, and are not obligated to accept any loan offers. If you change your mind midway through the application process, you are free to walk away with penalties or fees incurred. 

Let’s take a closer look at how BadCreditLoan.com works.

1. Application process

Bad Credit Loans make getting a loan for bad credit easy. 

The process starts right when you visit their website—you will be greeted with an online application form in which you will provide all relevant information. 

After that, you will receive loan offers from multiple lenders. Carefully review and compare the terms offered (such as loan terms, APRs, repayment policies, and fees, including origination, late, or overdraft fees). If you find a loan that suits your needs, e-sign the contract with the lender. 

Once approved, you will receive funds as fast as 24 hours. 

Be aware that Bad Credit Loans is not a direct lender, so they do not set the terms and conditions of the loan. The lenders decide the exact amount offered, as well as all additional conditions, based on your income, creditworthiness, and the state in which you reside. 

2. Eligibility criteria 

When applying for a loan with bad credit loans, you need to comply with the following requirements:

3. Types of loans

As their core service, BadCreditLoans caters to potential borrowers of unsecured personal loans.

The money can be used for a variety of reasons, including: 

4. APR

One of the most frequently asked questions in BadCreditLoans reviews is ‘how much does it cost to repay a loan on the platform?’

The APR (annual percentage rate) on the loan is determined by the lender who takes into account things like your place of residence, employment, and credit score. This means that you could get varying rates from different lenders, although APRs for personal loans from loan providers in the BadCreditLoans network typically range between 5.99% and 35.99%.

This is a representative example of a personal cash loan APR range:

Amount borrowedLoan termAPRMonthly repaymentTotal amount payable
$2,00012 months19.9%$183.63$2,203.56

5. Repayment Terms

Bad Credit Loans will not ask you to make any repayments on the loan, nor does it collect debts. 

Repayment terms and frequency, late payments, and overdraft fees are determined by your chosen loan provider and outlined in the contract you sign with the lender.

That said, lenders in the Bad Credit Loans network typically have loan terms of 90 days to 72 months. They also usually charge 1% or more in origination fees, plus separate closing costs, so it’s very important that you read the loan agreement carefully before signing. 

Bad Credit Loans Features & Benefits

There are several features that make Bad Credit Loans stand out from the competition. 

Let’s take a closer look.

1. Privacy and security

Bad Credit Loans requires users to share sensitive information in the online application form. So to safeguard that data and prevent unauthorized access or use of borrowers' private details, the company implements the highest encryption technology. It promises not to share any of your personal details and only provides lenders with the information they need to offer the perfect loan product for you. 

On top of that, numerous BadCreditLoans.com reviews say that they found the company to be safe and secure. 

2. Access to a large network of lenders

BadCreditLoans.com features a primary and secondary network of lenders, while other lending websites just use their network. If BadCreditLoans.com cannot secure a lender for you, it will search its extensive network for alternative financing possibilities or credit-related services. 

What’s more, it provides loans from state and Tribal lenders. Tribal loans are typically short-term small-dollar loans offered by Native American creditors. They are generally seen as an alternative to payday loans since they provide quick cash for borrowers who would not get approved by traditional lenders. 

Note: You should be very careful when taking out a loan from Tribal lenders. These lenders are governed by tribal law and do not comply with state borrowing laws. Also, they charge much higher interest rates than state lenders. 

3. Education center

Bad Credit Loans is not just about providing personal loans for people with bad credit. It also has detailed guides on other types of loans and how to go about obtaining one, as well as an extensive section on scams, helping you stay informed and protected in the online financial world. 

4. Fast and efficient services

One of the features that all Bad Credit Loans reviews praise is the efficiency of the platform. Namely, the company can provide you with a list of relevant lenders in no time at all, while funds can be transferred to your account in under 24 hours. 

Compared to the lengthy application procedures and long loan disbursement times of traditional lenders, Bad Credit Loans is a much faster and more convenient option. 

Plus, you won’t waste any time looking at offers that are not right for your requirements since Bad Credit Loans will only pair you with lenders willing to offer what you are looking for. 

5. A variety of offers

Another thing that many online BadCreditLoans.com reviews appreciate is the variety of loan offers available. Since Bad Credit Loans works with hundreds of lenders, it is able to provide prospective borrowers with several loan offers all with different rates, terms, and repayment policies. This way, loan applicants can choose the one that best meets their requirements, budget, and financial situation. 

6. 100% free and online 

Bad Credit Loans does not charge any fees on their services. 

Anyone who meets the site’s eligibility criteria can fill out an application form and get connected to a lender within minutes, with no extra costs, taxes, or collateral needed. The entire process can be done from the comfort of your own home and the funds are transferred to you electronically, so there is no need to make a physical deposit. 

7. Customer support

The Bad Credit Loans customer support team, according to user-generated BadCreditLoans reviews, is friendly, informative, and responsive. Representatives can be reached by:

However, if you have any questions about the loan, contact your loan provider directly. 

How to Make a Loan Request at BadCreditLoans.com

Here is a brief step-by-step guide on making a loan request on the site.

  1. Log on to BadCreditLoan's official website 
  2. Fill in the boxes, providing your:

After that a simple online form will appear on your screen, requiring you to provide the following details: 

You might be asked some other questions as well. The sole purpose of providing this information is so that Bad Credit Loans can match you with a lender best suited to your needs and financial situation.  

BadCreditLoans.com Reviews

How do customers and other finance sites rate Badcreditloans.com?

User Reviews 

On TrustPilot BadCreditLoans.com has over 50% positive reviews, with customers praising the company for its quick funding and approval time. Some users, however, expressed a few concerns about data security. 

BBB Rating

The company is not accredited with the BBB and currently has an F rating on the site. However, BBB also notes that the platform has received only 2 complaints in the 24 years it’s been in business, which speaks volumes about the company’s reputation and profile. 

BadCreditLoans.com Alternatives

Bad Credit Loans might sound like the right fit for your needs, but it never hurts to take a look at what else is available on the market. 

BadCreditLoans.com vs PersonalLoans.com

PersonalLoans.com works in the same way as Bad Credit Loans, with one major difference—it offers bigger personal loans of up to $35,000 so it’s more suited to borrowers who need a larger sum of money. 

Bad Credit LoansPersonalLoans.com
APR5.99% - 35.99%5.99% - 35.99%
Amount Range$500 - $10,000$1,000- $35,000
Credit ScoreNoneNone
Loan Terms3 months - 72 months 3 months - 72 months 

BadCreditLoans.com vs Guide to Lenders

For borrowers in need of a larger personal loan, Guide to Lenders might be a better alternative as it works with lenders willing to offer up to $50,000, or five times more than Bad Credit Loans affiliate lenders.

Bad Credit Loans Guide to Lenders
APR5.99% - 35.99%Varies by lender
Amount Range$500 - $10,000$100 - $50,000
Credit ScoreNoneNone
Loan Terms3 months - 72 months Varies by lender 

BadCreditLoans.com vs 5kFunds

5kFunds is another online lending platform that matches potential borrowers with loan providers. It works with all credit types, just like Bad Credit Loans, with the major difference being that 5kFunds covers a range of loan amounts: from $100 to $35,000, compared to Bad Loans Credit that only offers personal loans in the $500 - $10,000 range. 

Bad Credit Loans5kFunds 
APR5.99% - 35.99%5.99% - 35.99%
Amount Range$500 - $10,000$100 - $35,000
Credit ScoreNoneNone
Loan Terms3 months - 72 months One month- 72 months


  • No collateral required
  • No application fees
  • Competitive APR
  • Additional financial services
  • Rapid disbursement
  • Accepts people with low credit scores
  • Small personal loans only
  • Poor BBB rating

Personal loans might be your only option when it comes to unexpected costs such as paying off outstanding debt, making a down payment for a house or car repairs. However, when you have bad credit, getting approved for a loan of any size can be tricky. Luckily, Bad Credit Loans can help you find a lender willing to work with you and offer you a deal that will put some of your financial issues behind you.


Is BadCreditLoans com legit?

Yes, BadCreditLoans.com is a legit company. They are one of the largest personal loan providers for people with bad credit and work with a network of national and Tribal lenders.

Does BadCreditLoans com do hard pull?

No, BadCreditLoans.com does not conduct a hard pull on your credit. However, the lenders that approach you with an offer might do a credit check with one or more credit reporting agencies, which could have a negative effect on your credit score. 

What are the main causes of bad credit?

Bad credit is often associated with a low credit score of 580 on a scale of 300 to 850. It is typically caused by late payments, defaulting on loans, getting contacted by debt collection agencies or charge offs on your account. 

Is Bad Credit Loans website real?

Yes, Bad Credit Loans is a real website. Many BadCreditLoans.com reviews, including this one, can vouch that the platform is totally legit and not a scam. 

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