FinMasters content is free. When you purchase through referral links on our site, we earn a commission. Advertiser Disclosure are a great option if you are looking for a personal loan of up to $10,000 and want multiple competing lender offers to get the best possible rates. 

While is not an actual lender, they do provide the platform for its lenders and customers to come together to get the best deals. 

They offer traditional personal loans, personal installment loans, and peer-to-peer loans which may be funded from individuals or companies. 

They have a good reputation for introducing customers to multiple lenders who compete for your loan by offering the best APR rates possible.

There are many advantages to BadCreditLoans offers which we will review in this article. Review & Ratings

8 out of 10 has been around since 1998 and and they specialize in finding you the best rates for personal loans. They don’t charge a fee to use their service of matching you with their network of lenders.



Multiple Loan Offers

Competing Lenders

Personal Loan Specialists

Bad Credit OK


High APR Rates By Lender

Must Provide Personal Info

Phone Calls From Lenders

Who Is started in 1998 by bringing together traditional lenders, peer-to-peer lending networks and tribal loans (from Native American Indian Funds). 

Today, they have grown to offer personal and installment loans across the United States to all credit types.  

They are not an actual lender but provide the platform for borrowers with bad credit or good to find the best rates by receiving multiple offers from different banks or lenders. 

What Makes Them Different?

BadCreditLoans is unique in that it offers a robust platform for peer-to-peer borrowing and access to tribal loans. 

Tribal loans offer the opportunity for people who are self-employed or have a varied credit history to qualify for personal loans that they may not qualify for with a traditional lender. 

Keep in mind that tribal loans are funded from sovereign native American lands and do not always have to meet state APR maximums. 

They have relationships with a wide variety of banks and lenders which allows them to offer personal loans to people with bad credit, no credit, or limited credit. 

Even if you have bankruptcies, repossessions, and judgments, BadCreditLoans may have a lender willing to lend money. 

Keep in mind that if you have a lower credit score you will be charged a higher APR interest rate because you statistically are a higher risk to default. 

Based on BadCreditLoans  reviews, they are the one of the few marketplaces where you can qualify for a loan as short as 90 days. 

They  also offers you the ability to apply and complete the entire loan process from your mobile phone on their BadCreditLoans  app. 

How Does BadCreditLoans Work?

BadCreditLoans have one of the easiest platforms to use and it only takes about 30 seconds to find your best rate. 

BadCreditLoans works by sending your information to lenders in their network that may match up well with you. 

The lenders then send you an offer for a personal loan based on your credit score, credit history, and your ability to pay. 

1. Find Your Rate

The first thing you do is select “Personal Loans” and fill out the short form. It takes about 1 – 2 minutes to enter your information.

You need to provide basic information and financial income, as well as the amount of the personal loan you are looking to apply for.

You need to provide basic information and financial income, as well as the amount of the personal loan you are looking to apply for.

And guess what: doesn’t check your credit score to get lender offers, they only do a soft credit check.

This means you get to see what rates you can qualify for without the worry of it affecting your credit. 

2. Compare Your Options

Once you put your information in and submit the form you will be taken to a dashboard. 

This dashboard will have multiple pre-approval offers from different lenders.

Keep in mind, these are Pre-Approvals and your actual approval is not guaranteed; however, you will get to see your actual pre-qualified rates.

Keep in mind, these are Pre-Approvals and your actual approval is not guaranteed; however, you will get to see your actual pre-qualified rates.

The rates you see are usually very accurate as long as you can verify your information and nothing changes on your credit report. 

Once you confirm and verify everything the rates are pretty solid.  The best thing is that you get to see your options up-front and know exactly which option is best for you.

3. Apply For Your Personal Loan

Once you pick a lender, it’s time for you to apply. During the application process, you’ll get asked more in-depth questions about your use of the loan, your financial history, and the lender will run a credit check. *Note: This all happens on the BadCreditLoans .com website. 

Once this step is done the lender will work with you directly to finalize all of the loan details.

BadCreditLoans Reviews Eligibility

In order to be eligible for BadCreditLoans  Reviews  you must meet the below personal loan requirements:

  • Be a U.S. Citizen or Permanent Resident
  • You are at least 18 years old
  • 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 features

What Information Will You Need To Apply?

Before filling out the online form make sure you have the below information ready:

  • Date of birth.
  • How much you want to borrow.
  • What you plan to use the money for.

BadCreditLoans Loan (Basics)

Since review lets you see offers from multiple lenders, we wanted to show you the absolute minimum and maximums you can be offered. Actual rates and terms will change by lender.

  • Loan Amount Range: $500 – $10,000
  • APR Range: Varies by Lender (35%+ APR* Estimation)
  • Fees: Origination, Late Payment, and NSF fees all vary by the lender.
  • Prepayment Penalties: Varies by lender
  • Loan Terms: 3 to 72 month
  • Payments Directly To Creditors: Varies by lender.

Remember, once you pick a lender, they will pull your credit report and create a hard pull on your credit.

BadCreditLoans Personal Loan Calculator

Use the BadCreditLoans Personal Loan Calculator to help determine the payment amounts based on interest, length of personal loan and amount borrowed. 

The interest rate will be determined primarily by your credit score and your ability to repay the BadCreditLoans review personal loan. 

This calculator lets you adjust the different loan variables to give you a good understanding of how each affects your monthly payment. 

As you increase the length of the loan the monthly payments decrease.

If you are able to find a personal loan with a lower interest rate that will decrease your monthly payment amounts, also. 

What To Use Loans Reviewed For?

There are several reasons you may need a personal loan and below we list out some of the reasons you may need a BadCreditLoans personal loan:

  • Debt/Credit Card Consolidation
  • Down Payment For Home  
  • Major Purchase    
  • Home Improvement   
  • Medical Expenses   
  • Moving/Relocation    
  • Vacation
  • Start Business    
  • Education    
  • Your Wedding

As you can see, there is a huge list of reasons for getting a personal loan.

Of course our favorite reasons is for Debt Consolidation, Education, and Starting a Business.

BadCreditLoans Reviews

BadCreditLoans reviews from their customers predominantly praise the platforms ease of use and their excellent customer service team for their friendliness and ability to resolve problems. 

Customers also appreciate that BadCreditLoans are available to people with horrible credit, no credit, limited credit, bad credit and fair credit. Trustpilot Review

Many customers raved about the speed in which they received larger loans for home projects and emergency needs. 

Overall, after reading hours of BadCreditLoans reviews we feel confidant in recommending them for any future financing you may need. 

BadCreditLoans BBB – Better Business Bureau Reviews 

BadCreditLoans BBB has had a file at the Better Business Bureau since 1989.

BadCreditLoans reviews BBB have a F rating but they only have two complaints in the past three years. BBB rating

It would be unfair to rate a company that has been in business since 1989 based on zero customer reviews and two customer complaints. 

Generally, customer reviews on the BBB website are negative so the fact that in almost 33 years they have received only two, confirms that this is an upstanding company to choose. 

Steps To Take After BadCreditLoans Review Approval

It feels great getting approved for something, no matter what it is, you feel like you have just won something.

But, now that you have been approved, there are some things you should be doing with your accounts.

Make On Time Payments

I am sure you are tired of seeing everyone saying “on-time payments”.

Helpful Tip

If your application goes to “Pending” status it doesn’t mean Declined. Usually, more information may be needed.

But it is super important and is one of the largest factors in helping grow your credit score.

Of course you probably didn’t obtain this loan for building your credit.

However, you still need to be mindful that this product can harm your credit if you don’t manage it correctly.

No matter what, avoid late payments.

Pay Back The Loan ASAP

Along with making on-time payments you should definitely pay this loan off as super fast as possible.

Large personal loans tend to linger and we usually only pay the minimums. 


While this does keep more cash in your pocekt in the initial phase, eventually you end up spending thousands of more dollars in interest payments.

Getting the credit utilization below 30% will also be great for helping your credit score grow. 

Taking Action & Getting A Loan

Hopefully, you found this Review to be helpful because Personal Loans are a great option to pay down debt, or even start a business. 

If you need a personal loan then don’t waste any time getting your loan through’s lender network.

You can click the link above or below to complete your application process and get a loan in under 2 minutes.