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BadCreditLoans Personal Loans Review


  • Loan Amounts: $500 – $10,000
  • APR Range: 5.99% – 35.99%
  • Funding Time: 24 Hours

Finaneive Rating


  • Personal loans with credit scores of 500 or less
  • No application fees
  • Quick funding after approval
  • Competitive APR
  • Informative website
  • No collateral required
  • Fast and helpful customer agents


  • You can’t borrow more than $1,000 if your credit score is 500 or lower.
  • Not a direct lender.
I have been trying to get a loan everywhere but everyone online is such scammers — this was a safe site to use tho! i read this detailed review and am so happy i made the decision to go with them.


Fate does not check your savings account balance or credit score before tragedy strikes.

Everyone suffers from financial problems. Your employer is shut down, throwing you into unemployment suddenly.

We’ve compiled the most in-depth BadCreditLoans Review for you to make an informed decision.

Today, we’ll address any questions you may have about BadCreditLoans, as well as how it works and what to anticipate throughout the application procedure, APR details, and most importantly, if it’s a secure place to obtain a loan.

What Is BadCreditLoans? And How It Works?

BadCreditLoans is a lending platform that specializes in connecting folks with bad credit with easy-to-use online lenders.

Chief LLC runs, but It isn’t a direct lender, but it does offer comprehensive loan-comparison services.

This Nevada-based firm specializes in assisting borrowers with bad credit.

Borrowers with credit scores of 500 or less are accepted by BadCreditLoans, and each applicant is matched with a group of lenders.

If we can’t find you a lender in our network of lenders, we will show your loan inquiry to our extended network of third-party non-lender lender networks to help find you a lender in one of their networks.
BadCreditLoans Homepage

If you don’t qualify for a personal loan, BadCreditLoans will work with you to find alternate ways to meet your financial demands.

Hundreds of people have reported that this online marketplace has helped them get bad credit loans with the Better Business Bureau.

Bad Credit Loans services are quick and efficient, as well as completely free.

You may fill out a BadCreditLoans application and let lenders come to you rather than sending stacks of applications to banks that won’t even look at your loan request.

What Types of Financing Available at BadCreditLoans?

The fact is that BadCreditLoans provides several sorts of financial assistance, and it is widely recognized as the greatest firm for personal loans to those who have bad credit.

BadCreditLoans can assist you regardless of your situation. Whether you’re searching for a loan to cover vehicle repairs, debt consolidation, or healthcare costs, they’ll find you a match.

The goal of this online loan marketplace is to assist customers to get small, unsecured personal loans.

“Unsecured” implies that the borrower does not need to put up collateral.

You may also like: When You Should Refinance Your Personal Loan

Who Is the Best Fit For BadCreditLoans?

Borrowers searching for low-cost personal loans of $500 to $10,000 with terms ranging from 3 to 36 months will benefit the most from BadCreditLoans.

The company sends your loan application to a large network of lenders, each of whom is vying for your business.

It’s a fantastic option for borrowers in need of urgent cash to pay off obligations and unanticipated expenditures that aren’t addressed by traditional bank loans.

Note: This is an affiliate link and by applying through this button you’ll contribute to the site’s revenue. If you don’t want to use our affiliate link you can go directly from here.

BadCreditLoans Loan Amounts and APR

The loan agreement will set forth the interest rate, term of the loan, monthly payments, percentage rate, and effective APR.

APRs for BadCreditLoans start at 5.99% and top out at 35.99%, according to the firm.

BadCreditLoans are easy to come by with real loans for bad credit, but they can’t alter your financial situation overnight.

Clients with a credit score below 500 will only be able to borrow $1,000 using this service.

BadCreditLoans, like other lenders, demand higher interest rates from individuals with poor credit histories.

If the monthly payments or total payback required are prohibitively high, we recommend exploring alternate financing alternatives (discussed below) or boosting your credit score before borrowing.

Repayment Terms

Because the platform isn’t a lender, there are no repaying terms for Bad Credit Loans.

Your lender will determine your payment terms, as the platform collaborates with a network of lenders.

In general, BadCreditLoans lenders require borrowers to repay their loans in 3 to 36 months.

Origination and closing fees are common for most personal loan lenders. The majority of these loans have an origination fee of 1% or more.

If you make late payments or fail to pay your loan on time, you’ll most likely be fined.

Tip: Before signing a loan agreement, be sure you understand all of the additional charges.

BadCreditLoans Eligibility Requirements

You must be a US citizen, at least 18 years old, have a consistent source of income and give bank account information to apply for a loan from BadCreditLoans.

BBB’s bad credit loans reviews indicate that customers appreciate this service for having such straightforward criteria.

Personal loans can be used for a variety of reasons, according to the firm. These include:

  • Repaying debts.
  • credit card debt Refinancing.
  • Unexpected medical bills.
  • Costs associated with relocation.
  • Paying taxes.
  • Moving/Relocation  
  • Vacation
  • Start Business  
  • Education  
  • Your Wedding

As you can see, there are a lot of reasons to obtain a personal loan.

Debt consolidation, education, and starting a business were our top recommendations.

You may also like: Should I Get a Personal Loan to Pay Off Credit Card Debt

How to Complete the Online Form on (Step-by-Step)

You may get approved for a Bad Credit Loans loan as quickly as 5 minutes after completing our online application.

When you fill out the form, Bad Credit Loans finds numerous lenders that match your criteria and emails you their offers.

You can terminate the application process at any time with no penalty.

Here’s a step-by-step on how to use BadCreditLoans’s online application procedure:

Bad Credit Loans Home Page

Step 1: Visit their official website and log in to their database.

Step 2: Click on the tab labeled ‘Get started.’

Step 3: You will now see a simple online form on your screen.

Step 4: Fill in the required information, such as:

  • Loan Reason
  • First and Last Name
  • Type of Credit.
  • Birth Date

Step 5: Provide them with your most current contact information now.

Step 6: You will be prompted to provide your employment history and identity, as well as banking details, on the same page. To proceed, fill out the form completely.

Step 7: Answer a few inquiries and provide correct deposit information.

Step 8: To receive SMS alerts and submit the form, simply enter your phone number.

Step 9: When you fill out a form, BadCreditLoans will go to work obtaining you a loan.

If you get an offer from a lender, be sure to read the contract thoroughly when it comes to the loan amount, APR, and conditions. Simply sign the contract if you accept the offer.

According to the Reddit postings, you can anticipate receiving money within 1 business day if you have bad credit.

However, the procedure time is largely determined by the lender, and it might take longer. That has nothing to do with BadCreditLoans.

Calculate Your Interest and Monthly Payment

Personal Loan Calculator


Is BadCreditLoans Worth It?

We double-checked their service quality over the phone and by email.

Their agents were nice and knowledgeable, ready and able to answer any of your queries.

Here are what we found:

Customer Reviews

The majority of BadCreditLoan’s testimonials come from clients and customers alike complementing the platform’s simplicity of use as well as the excellent customer care staff’s friendliness and problem-solving skills.

Customers also appreciate that BadCreditLoans accept people with terrible credit, no credit, limited credit, and bad credit.

Customers were ecstatic about the speed with which they received bigger loans for house projects and unanticipated needs. 

After reading hundreds of BadCreditLoans reviews, we are confident in advising you to use them for any future financing requirements.

Since 1989, the Better Business Bureau has had a file on BadCreditLoans.

BadCreditLoans has an F rating, but they’ve only received 5 compliments in the previous 3 years.

It would be unjust to evaluate a firm that has been in operation since 1989 based on 2 client evaluations and 5 consumer complaints.

BadCreditLoans Privacy & Security Policy

The firm utilizes cutting-edge encryption technology, according to more than one review.

You can feel confident that your personal and financial data are secure with them. also employs security measures that comply with the law to safeguard borrowers’ private information from unintended access or use, such as firewalls, encrypted files and buildings, and computer safeguards.

The BadCreditLoans Scam Alert page is another fantastic resource. It has a lot of articles about online loans fraud.

How BadCreditLoans Compare To Other Lenders

APR: 7.99% – 35.99%. Loan Terms: 6 – 24 months. Loan Amounts $1,000 – $35,000.


Financeive Rate
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APR: Not specified. Up to $25,000 Unsecured Personal Loan.


Financeive Rate
Interest Rates
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Customer Experience
Approval Rate
Loan Amounts: $500 – $10,000. APR Range: 5.99% – 35.99%.


Financeive Rate
Interest Rates
Loan Amounts
Customer Experience
Approval Rate
APR: 5.99% to 35.99%. Loan Amount: $1,000 to $35,000.


Financeive Rate
Interest Rates
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Customer Experience
Approval Rate

Our Methodology

Financeive is dedicated to providing borrowers with fair, thorough evaluations of personal loan providers.

To ensure that our information assists borrowers in making the best personal loan selection for their needs, we gathered over 30 data points from more than 15 lenders to provide accurate information.

Frequently Asked Questions


BadCreditLoans is a lending platform that specializes in connecting folks with bad credit with easy-to-use online lenders.

Matthew Stone

Interest Rates
Loan Amounts
Customer Experience
Approval Rate


Borrowers searching for low-cost personal loans of $500 to $10,000 with terms ranging from 3 to 36 months will benefit the most from BadCreditLoans.