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
finder.com’s rating: 2.3 / 5.0
★★★★★
$500
Min. Amount
$10,000
Max. Amount
As soon as next business day
Turnaround time
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. |
Review by
Aliyyah Camp is a SEO content strategist and former publisher at Finder, specializing in consumer and business lending. Her writing and analysis has been featured in CentSai, the Dough Roller and the Chicago Tribune. She holds a BA in communication from the University of Pennsylvania.
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.
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 |
When you fill out the online form, you’ll need to provide the following information:
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.
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.
★★★★★ — 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
May 10, 2019
Haven’t been contacted about loan, why?
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
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?
April 9, 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
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?
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
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
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
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?
August 9, 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