Find alternate providers similar to this well-known connection service.
Rather than offer loans itself, BadCreditLoans.com connects you with a lender in its network that fits your needs. Its lenders offer a variety of loan amounts, from $500 and $5,000, and you may be able to borrow for 3 to 36 months. But because BadCreditLoans.com is a connection service, your information will be shared with other lenders. You’ll also need to have a checking account to fill out its online form.
- Loans up to $5,000
- Easy-to-meet eligibility criteria
- No minimum monthly income required
- Consumer information on scams
- Follows a responsibility pledge
- Must have a phone number, email address and checking account
- Your personal information may be shared with third parties
CashUSA is a loan connection serivce like BadCreditLoans.com, but the lenders in its network have longer terms, ranging from 90 days to 72 months. It also has a significantly higher lending limit at $10,000. And with a variety of resources, you’ll be able to learn about the borrowing process before you fill out CashUSA’s online form.
However, its lenders require you to meet a minimum income of $1,000 after taxes. This can be difficult for many borrowers, and with many of the same drawbacks as BadCreditLoans.com, you might find you’re better off opting for a lender that doesn’t have this requirement.
2. Slam Dunk Loans
The lenders in Slam Dunk Loans’ connection service offer loans as low as $100 so you can borrow as little as you need. Other providers with larger minimum loan amounts may force your hand, trapping you in a cycle of debt that can potentially impact your credit.
But unlike BadCreditLoans.com, you’ll have to be employed and make a minimum income of at least $800. You’ll also only be able to borrow up to $2,500 — quite a bit lower than the lenders in BadCreditLoans.com’s network.
HonestLoans is another connection service that may be able to connect you to a lender that offers installment and personal loans between $400 and $2,500. And unlike BadCreditLoans.com, HonestLoans has a very sparse website with only a handful of pages to inform potential borrowers.
However, the borrower restrictions in place are meant to help you. Although you’ll need to be employed and have a checking account, this is considered a good way to ensure you can afford the loan you borrow — one of the best practices of the Online Lenders Alliance (OLA).
LendYou has a more robust selection than BadCreditLoans.com — you can borrow payday loans, installment loans and personal loans through its network of lenders. However, the personal loan options are only for people with fair or better credit. It’s also a member of the Online Lender’s Alliance (OLA), which should help add an extra layer of safety when you fill out LendYou’s online form.
Like BadCreditLoans.com, your personal information will be shared with other lenders. And like many of the alternate providers on this page, you’ll still have to meet a minimum income in order to qualify.
5. Swift Money Loan
Because Swift Money Loan is run by Pomo One Marketing, a tribal lending operation, it has both US-based lenders and tribal lenders in its network. This gives you a wider variety of opportunities than BadCreditLoans.com, but the amount you can borrow is limited if you haven’t borrowed before: Its lending affiliates only offer loans between $200 and $1,200. This is because Swift Money Loan has a tiered process that lets you borrow more as you pay off your loans, rewarding you with higher loan amounts and better terms.
But if you’re looking for a connection service that explains the borrowing process and how lead generation works, Swift may not be the right option for you. Its website only has the basic information you’ll need to start the loan process. And if you need more and aren’t planning on borrowing multiple short-term loans, its borrower restrictions may mean Swift Money Loan isn’t your best choice.
6. Cash Advance
Cash Advance is another tribal connection service run by the Ute Indian Tribe. Although some lenders in its network may offer longer loan terms of multiple months, many other terms that more closely resemble payday loans. In fact, lenders with Cash Advance only offer loans up to $1,000, so it may not cover any larger expense you’re facing. You’ll also have to meet a minimum monthly income requirement of $1,000 — something BadCreditLoans.com doesn’t require.
Like BadCreditLoans.com, CashAdvance.com has an extensive FAQ section with information about scams and pages about state laws to help you make an informed decision. It also has affiliate lenders across the US so you may qualify for a loan no matter in most states.
TriangleCash works with lenders that offer loans between $100 to $1,000 — significantly lower than BadCreditLoans.com’s high $5,000 limit. However, it has affiliates in a majority of US states, and its network includes both tribal and nontribal lenders. Plus, unlike many of its competitors, it lists its marketing partners so you know which companies have access to your personal information.
TriangleCash doesn’t display possible loan terms offered by its affiliates. It also doesn’t have a contact phone number listed, which means if you have a question, you’ll need to email and wait for a response.