Bad Credit Loans Personal Loans

Information verified correct on January 21st, 2017

Bad Credit Loans has been helping clients with bad credit ever since 1998, and boasts being the “go-to” place for bad credit loans. It is free to request a loan from the website, and if you are approved but decide not to go through with a loan, there are no penalties. If you are approved and accept the loan, Bad Credit Loans is happy to discuss the terms in as much detail as you are comfortable with, before you even sign.

Product NameBad Credit Loans Personal Loans
Interest Rate (p.a.)From 5.99% (variable)
Comparison Rate (p.a.)
Interest Rate TypeVariable
Minimum Loan TermVaries based on lender
Maximum Loan TermVaries based on lender
Min Loan Amount$500
Max. Loan Amount$5,000
Application Fee$0


  • Free To Try
  • Responsible Lending
  • Privacy and Security
  • No Obligation


  • High Interest Rate

Bad Credit Loans personal loans review

If you have bad credit and are in an emergency financial situation, Bad Credit Loans can help you secure a personal loan quickly.

You can request a loan on your own time, day or night. The company welcomes people of all credit scores, and will help you secure a loan, regardless of your credit rating. You can review the personal loan offer presented without any fees or obligations.

Applying for a loan is quick and easy. All you have to do is fill out the online loan request to get a personal loan offer within minutes from the company’s network of lenders. The approved loan can be deposited into your checking account electronically, within one business day. You don’t have to worry about collateral when submitting a loan request.

Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

Benefits of Bad Credit Loans personal loans

  • No approval fee. Bad Credit Loans does not charge a fee to approve your application. Filling out, and submitting the application are free.
  • Fast approval. After you apply, you can receive approval for a personal loan almost immediately.
  • Secure. The company uses data encryption technology to make sure your information is protected.
  • Quick deposit. Your approved loan can be deposited into your account in as quick as one business day.


    • Personal loans. You can request a personal loan from $500 to $5,000. Terms range from three to 60 months.
Rates last updated January 21st, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Minimum Credit Score Turnaround Time Requirements
$5,000 300 Varies based on lender Depending on lender requirements, people from all 50 states may not be eligible for a personal loan. Go to site More
  • Not a direct lender. Bad Credit Loans is not a direct lender, and instead connects customers up with reputable lenders within its network.
  • Simple qualifications. Bad Credit Loans keeps its qualifications low, so that even applicants who wouldn’t be approved elsewhere can get a personal loan.
  • APR. A personal loan from Bad Credit Loans’ lenders typically has a 5.99% to 35.99% APR. Each lender in the network differs in rates, and will determine the interest rate on your loan based on different factors. You can choose the interest rate and repayment plan that best meets your needs.
  • E-consent. The company lets you provide E-consent for electronic signatures, records, and disclosures.
  • Website. The website is open and accessible 24/7.

How to apply for a Bad Credit Loans personal loan

Applying for a personal loan is easy, and requires applicants to meet the following eligibility requirements:

Eligibility criteria:

  • US citizen
  • At least 18 years old

The application is online, and requires the following information and documentation:

Required documents & information:

  • Full name
  • Credit type
  • Loan reason
  • Driver’s license number
  • Social security number
  • Bank information and account type
  • Residential address
  • Birthdate
  • Phone number
  • Email address
  • Employment and income information

If you have bad credit but need funding fast, Bad Credit Loans’ personal loan could be just the solution you are looking for. Before choosing Bad Credit Loans, be sure to compare it with personal loan companies.

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