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Additional information

Interest Rate (APR)

5.99% – 35.99%

Loan amount

$500 – $10,000

Min. credit score

500 or less

Financeive’s rating



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.

You can read our full BadCreditLoans review to inform your decision-making process.


  • 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.

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.

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.

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