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BadCreditLoans is NOT a lending company. Its services are like that of a middle man that tries to connect you to one of the lenders in their network. The process involves three simple steps: 1.) Submit a loan request by filling up an online request form; 2.) Receive offers from real lenders in their network; and 3.) Examine the loan terms you receive and accept.

The platform and services offered by BadCreditLoans are best for personal and business loans. Individuals who have a low credit score may apply, but if that’s the case, expect offers that involve higher APR and interest rates. There may also be instances that you may not receive any offer from financial institutions associated with BadCreditLoans’ platform. In that event, they could hook you up with debt relief and other credit-related services under your consent.

Minimum Application Requirements

According to their website, borrowers trying to take up a loan using the platform provided by BadCreditLoans must be/must have:

  • Employed (full-time or self-employed)
  • A Social Security number and other benefits
  • A savings or checking account
  • At least 18 years of age
  • Contact information (working home phone number and email address)

Available Loan Options

Emergency personal loans are the primary type of loan offered by the lenders in their network. BadCreditLoans is also upfront about the APR, which ranges from 5.99% up to 35.99%. The APR range is based on such factors as your credit score and other bits of information you supplied in the online form. The payment terms may also range from 90 days to 72 months. All of the information will be given at some point in the process and it will be up to you to accept the terms. READ the agreement meticulously or have someone you trust to explain it for you.

Aside from personal loans, BadCreditLoans may also help you with business loans. They have access to a network of lenders who provide loans for small businesses. It wouldn’t hurt if you try!

BadCreditLoans Pros and Cons


  • Saves time credit shopping because you can send an application to multiple lenders at once
  • Caters to individuals with bad credit scores
  • The platform is intuitive and easy to use


  • May lend for as low as $500
  • Requires a lot of upfront information
  • Low rating from BBB




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