finder.com's rating: 2.3 / 5.0
★★★★★
- Best for borrowers looking to compare multiple short-term loan options.
- Pick something else if you don’t want your information shared with multiple companies.
Finder makes money from featured partners, but editorial opinions are our own.
Advertiser disclosure
BadCreditLoans.com short-term loans review
By Aliyyah Camp
- Min. Amount
- $500
- Max. Amount
- $10,000
- Turnaround time
- As soon as next business day
Our verdict
Compare potential offers from multiple lenders by submitting one online form.
BadCreditLoans.com may be a good option if you don't have the best credit and aren't sure where to turn to for a loan you might qualify for. It makes things easier by allowing you to fill out one online form to potentially get connected with lenders who may be willing to help.
However, it's not up front about what rates you might qualify for — though most short-term loans come with APRs in the triple digits. And it gets an F rating from the Better Business Bureau.
If you want more transparent terms or a lender with better reviews, you may be better off comparing your direct loan options instead.
Pros
-
Apply at no cost and with no obligation.
-
Claims to practice responsible lending.
-
Private and secure.
Cons
-
Loans come with high interest rates.
Details
Product details
| Product Name | BadCreditLoans.com |
| Min. Amount | $500 |
| Max. Amount | $10,000 |
| Loan Term | 3 to 36 months |
| Turnaround Time | As soon as next business day |
| Requirements | Depends on lender requirements, poor credit borrowers may still be able to qualify for a loan. Must live in an eligible state. |
Contact info
| @BCL4U | |
| @BadCreditLoanscom |
First, am I eligible?
- Be at least 18 years old.
- Provide proof of citizenship, such as a Social Security number, or legal residency.
- Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.
- Have a checking account in your name.
- Provide work and home telephone numbers.
- Provide a valid email address.
Pros
- Quick application for multiple lenders
- No fee to apply
- Lenders offer up to $5,000
Cons
- Not up front about potential rates
- Reviews are mainly negative
- Your personal information may be sold as a “lead”
See how BadCreditLoans.com compares to other lenders
1 - 0 of 0
What do customers say about BadCreditLoans.com?
| BBB accredited | No |
|---|---|
| BBB rating | F |
| BBB customer complaints | 2 |
| Trustpilot score | 2.7 out of 5, based on 10 customer reviews |
| Customer reviews verified as of | 30 August 2022 |
How do I get started?
Follow these steps to get connected with a lender:
- Scroll to the top of this page and click Go to site to be redirected to BadCreditLoans.com.
- Select your requested loan amount and enter your email, then click Get Started.
- Select your general credit range and the reason for your loan.
- Enter your full name, date of birth and select if you’re active-duty military. Click Continue to Step 2.
- Enter your contact information, employment details and bank account information. Click Continue to Step 3.
- Enter your bank’s routing number and your bank account number.
- Read over the privacy policy, terms of use and e-consent documents. Click Submit Information.
What information do I need to provide?
When you fill out the online form, you’ll need to provide the following information:
- Driver’s license or state ID number
- Social Security number
- Estimated gross monthly income
- Bank account numbers
What happens after I submit the form?
If BadCreditLoans.com is able to connect you with lenders in its network, you can select the one that best suits your needs. BadCreditLoans.com will then redirect you to the lender’s website where you can complete a full application.
How do repayments work with BadCreditLoans.com?
Because BadCreditLoans.com isn’t a direct lender, you won’t make any loan payments to it. Read your loan contract or get in touch with your lender for more information on how to make payments.
Not sure BadCreditLoans.com is right for you? Compare your other options with our guide to short-term loans.
Frequently asked questions
Short-term loan ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you can trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.
Read the full methodology of how we rate short-term loan providers and similar services.
Read the full methodology of how we rate short-term loan providers and similar services.
BadCreditLoans.com is not currently available on Finder
Have you considered Chime SpotMe®?
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
- Get up to $200
- Receive funds on the same day
- Fee free overdraft
- No credit check
Your reviews
No reviews yet.
Write a review
Aliyyah Finder
Contributor
Hi there, looking for more information? Ask us a question.
You are about to post a question on finder.com:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.
nikkiangco
May 11, 2019
Hi Patricia,
Thanks for getting in touch with Finder! The approval process for this lender is typically quick. Once you’ve been connected with a lender, you’ll be able to submit your application and see if you’ve been approved for a short-term loan. If you want to contact the lender, you can go to the part of the page that says “How do I contact BadCreditLoans.com if I have a question?” You can find the company contact information there.
As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.
Hope this helps!
With care,
Nikki
Show more Show less
Ray
April 08, 2019
I recently was notified of being approved for a high amount loan here in Florida by a company in California. The interest is right and loan using term is 36 months. So also seems right. But when I try to Google this company using their site on their paperwork nothing under their name comes back. What should I do with this?
Show more Show less
Jeni Finder
April 08, 2019
Hi Ray,
Thank you for getting in touch with Finder.
You can also check if the business is registered in SBA, FCA and IRS. If not, you may then send your complaint to this government page.
Our guide on how to avoid a personal loan scam is a good reference to protect yourself from two common scams you might encounter when applying for a personal loan.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Show more Show less
Jane
January 08, 2019
I started my application with Bad Credit Loans, however I don’t want to give out my employer’s phone number. I entered a fictional number. If they want proof of my employment I can email them my last pay stub (scanned).
Some of the questions are very personal, and I am always afraid of scams. Another question they have on the application is about my checking account information. They say it’s for the lenders to know where to deposit the money IF I get approved (very fishy!)
Should I call them directly, instead of finishing the application online?
Show more Show less
Val Finder
January 09, 2019
Hi Jane,
Thank you for reaching out to finder! It seems like you have already selected a lender for this. Online applications are secure so long as you go directly to the site of the lender. If you are half-hearted about completing the application online, then yes you can call them directly instead of placing fictional information that might affect the application.
Hope this helps!
Regards,
Val
Show more Show less
Leslie
October 09, 2018
Hi i need a loaf what’s the least credit score you guys approve. And if i get approved how do i pay back in small payments or one full
johnbasanes Finder
October 10, 2018
Hi Leslie,
Thank you for leaving a question.
You may need to directly contact badcreditloans.com regarding your queries since these are specific to the application process. You can email your questions to support@badcreditloans.com or call 1-800-245-5625 for more information. Hope this helps!
Cheers,
Reggie
Show more Show less
David
August 09, 2018
I just applied for a loan got approved but noticed that my checking number was wrong. Tried going back to fix now I can’t! What do I do?
joelmarcelo
August 09, 2018
Hi David,
Thanks for leaving a question on Finder.
Sorry to hear. You can contact BadCreditLoans.com directly. Press the “Find out more” button to be redirected to their website. From there, please scroll down at the bottom of the page and you will see “Support”, click on contact us to show their contact info including phone and their email address. They should be able to fix this on their end.
Cheers,
Joel
Show more Show less
More resources on Finder
Short-term loan guides
We compare the following short-term lenders
Loans by state
Loan categories
Patricia
May 10, 2019
Haven’t been contacted about loan, why?