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BadCreditLoans.com short-term loans review

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Compare potential offers from multiple lenders by submitting one online form.

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.

$500

Min. Amount

$5,000

Max. Amount

Varies

Turnaround time

Details

Product NameBadCreditLoans.com
Min. Amount$500
Max. Amount$5,000
Loan Term3 to 36 months
Turnaround TimeVaries
RequirementsDepending on lender requirements, people from all 50 states may not be eligible for a personal loan.
Go to Badcreditloans.com's website

Expert review

Aliyyah Camp

Review by


Aliyyah Camp is a publisher helping folks compare personal, student, car and business loans. Prior to joining Finder, she ran her own personal finance blog and wrote for numerous finance sites. Aliyyah earned a BA in communication from the University of Pennsylvania. She likes to go to the movies and go for runs outdoors.

Expert review

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.

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

Updated November 17th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
$15,000
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
$50,000
Same business day to 1 business days
Employed, $800+ regular monthly income, checking account, ages 18+, US citizen
Fill out a simple online form to compare offers from several lenders that may be able to help.
$10,000
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
$1,000
Same business day to 1 business days
Valid bank account, proof of employment or steady income, US citizen, ages 18+
No credit? Past bankruptcy? One of the lenders in its network may still be able to help.

Compare up to 4 providers

What do customers say about BadCreditLoans.com?

BBB accreditedNo
BBB ratingF
BBB customer reviews1 out of 5 stars, based on 2 customer reviews
Trustpilot score2.3 out of 5, based on 7 customer reviews
Customer reviews verified as of08 November 2019
Many reviewers complained that BadCreditLoans.com’s website doesn’t provide much information up front. Multiple users also said they received emails soliciting short-term loans after submitting an application. This isn’t uncommon for a connection service — but it does mean you may want to opt for a direct lender instead.

How do I get started?

Follow these steps to get connected with a lender:
  1. Scroll to the top of this page and click Go to site to be redirected to BadCreditLoans.com.
  2. Select your requested loan amount and enter your email, then click Get Started.
  3. Select your general credit range and the reason for your loan.
  4. Enter your full name, date of birth and select if you’re active-duty military. Click Continue to Step 2.
  5. Enter your contact information, employment details and bank account information. Click Continue to Step 3.
  6. Enter your bank’s routing number and your bank account number.
  7. 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.

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24 Comments

  1. Default Gravatar
    Patricia
    May 10, 2019

    Haven’t been contacted about loan, why?

    • AvatarStaff
      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

  2. Default Gravatar
    Ray
    April 8, 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?

    • AvatarStaff
      Jeni
      April 9, 2019

      Hi Ray,

      Thank you for getting in touch with Finder.

      You may check if this lender/company is registered on this government page. If not, you may then send your complaint on this page or here.

      This page 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

  3. Default Gravatar
    Jane
    January 8, 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?

    • AvatarStaff
      Val
      January 10, 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

  4. Default Gravatar
    Leslie
    October 10, 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

    • AvatarStaff
      johnbasanes
      October 11, 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

  5. Default Gravatar
    David
    August 9, 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?

    • Default Gravatar
      joelmarcelo
      August 9, 2018

      Hi David,

      Thanks for leaving a question on finder.

      Sorry to hear. You can contact BadCreditLoans.com directly by clicking HERE. 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

  6. Default Gravatar
    Maria
    June 20, 2018

    Hi I was wondering like if I’m getting welfare and I need a loan can I get one

    • Default Gravatar
      joelmarcelo
      June 20, 2018

      Hi Maria,

      Thanks for leaving a question on finder.

      BadCreditLoans.com will approve you as long as you have regular income, either from full-time employment, self-employment, or disability or Social Security benefits. Please click HERE to get started with your application.

      If you are still looking to compare your options, please click HERE.

      Cheers,
      Joel

  7. Default Gravatar
    Kylee
    October 28, 2017

    If I just started a new job and have not yet got my first paycheck, is there any loan that would still accept me?

    • AvatarStaff
      Rench
      October 28, 2017

      Hi Kylee,

      Thanks for reaching out to us. Please note that we are not affiliated with Bad Credit Loans or any company we feature on our site and so we can only offer you general advice.

      Payday lenders are typically more concerned with your ability to repay the loan. You can provide proof of source of regular income to support your application.

      You can also have a look on this page and compare your options. Please click the name of your preferred lender to find out the details and the minimum eligibility. You may then click the green “Go to Site” button to submit your loan application online.

      Cheers,
      Rench

  8. Default Gravatar
    Chad
    September 1, 2017

    I am looking for a 5000 dollar loan need help

    • AvatarStaff
      Ash
      September 1, 2017

      Hi Chad,

      Thank you for reaching out to us.

      Kindly visit this page for the list of Lenders that offers loans from $5000 to $20000 even if you have bad credit rating. Kindly review first the Lender’s eligibility requirements and the loan details before submitting your application. You can click on the green ‘Go to site’ to be redirected to the Lender’s website.

      I hope this information helps.

      Let us know if there is anything else that we may assist you with.

      Cheers,
      Ash

  9. Default Gravatar
    Ct
    July 19, 2017

    What score average to get approved for 5000 loan..don’t wanna apply and get credit to drop even more if not a chance to get approved least 75 percent …my scores are Equifax 680 expedia 614 and trans u 582

    • AvatarStaff
      Ash
      July 20, 2017

      Hello CT,

      Thank you for reaching out to us.

      Generally, a good credit score would be between 680-719 – https://www.finder.com/whats-a-good-credit-score. Although your score would be below that range, you can still apply for a loan. You may want to discuss your loan options and eligibility to any of the lenders listed on this page – https://www.finder.com/personal-loans/bad-credit-personal-loans

      If you’d like to avoid enquiries on your file, best that you contact the lender first before sending your final application. Please note that the eligibility requirements would vary from lender to lender so please make sure to review the criteria. The amount you can borrow would also depend on their assessment of your financial situation.

      In case you’re interested in applying with Bad Credit Loans, please review the eligibility criteria and click on the ‘Go to site’ button above to be redirected to their site. Their phone number is also listed on their website.

      I hope this information helps.

      Let us know if there is anything else that we may assist you with.

      Cheers,
      Ash

  10. Default Gravatar
    Asilentvoice
    March 17, 2017

    What happens if you do not have a checking/savings account and will open one with the loan money? Paying by money order for now is how I am dealing with things. I have to open a new account as I closed my old one. Please advise.
    Thank you

    • AvatarStaff
      Harold
      July 16, 2017

      Hi Asilentvoice,

      Thank you for your inquiry.

      Payday lenders are typically more concerned with your ability to repay the loan than other factors like whether or not you have a bank account. If you can provide proof of income that supports that ability, they’re less likely to be concerned about your lack of a bank account. You may want to consider the lenders option here.

      I hope this information has helped.

      Cheers,
      Harold

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