Read expert review of Bad Credit Loans. Find the Top 10 Personal Loans services for your needs with detailed reviews and comparison



Just as the name suggests, Bad Credit Loans offer options for those with damaged credit. The online service connects individuals with a lender for their needs, regardless of their low credit score. The company has been working in partnership with professional lenders and financial service providers since 1998 and still delivers successful results today. Customers can rely on Bad Credit Loans to direct them in the right direction for a personal loan, along with expert support through the entire process. 



Are you experiencing a financial crisis and need a quick source of funds? Bad Credit Loans has got you covered. No matter the reasoning behind your emergency, this connecting service can put you in touch with a lender. Some requirements to submit a loan request includes you are at least 18 years old and an American citizen  

In order to complete the online form, you must provide a checking account and your current employment details to ensure you can make your monthly payments on time and in full. Check you meet the requirements before submitting a request.


Loan Process

To get things started, you can sign up in three easy steps. Simply visit the Bad Credit Loans website and access their online form where you will need to fill out a request form. Required information includes the total amount of loan needed and reasoning for this, credit type, full name and contact details followed by evidence of your financial information. The online form is free and should only take a few minutes to complete

The purpose of Bad Credit Loans is to review these details and connect you with one of their trusted lending partners who you will receive the funds from. Bad Credit Loans provides a large lender network, saving you time browsing various lenders when searching for a loan.  

If you are connected with a lender, you will be able to see the loan offer with the amount, terms, and rates. If you accept the loan offer, then you can expect to see the funds in your account as soon as the next business day


Loan Terms

You can request a loan free of charge with no obligation on the Bad Credit Loan website This service is available 24/7 for quotes. When it comes to loan terms, these will vary depending on which lending company you take your loan with. However, the following general terms apply: 

Maximum Loan 
Due to the nature of the loans, individuals can only borrow up to $10,000. As they accept applicants with a low credit score, anything higher may be risky in terms of repayment. Keeping the loan limit to a minimum, borrowers can manage their payments easier, ensuring they meet all repayments in full and on time. 

Most lender's interest rates range between 5.99% - 35.99% variable, a relatively high rate. Make sure you have full transparency of the fees applied to your loan before accepting. The APR applied to your loan will vary depending on which company you go with, your current credit score, and your agreed repayment time.  

Repayment Terms 
All lenders will have their own repayment terms, however, all loans are short-term and typically range between 3 to 36 months. The longer the repayment term, the lower your monthly payments. 

Late Payment Charges 
All lenders have a penalty fee put in place regarding late payments. For customers who can not make their monthly repayments, a fee will apply. If you are certain you won't make a monthly payment, you should contact the loan company directly to discuss your options.  

Accepting Loans  
You have no obligation to accept any offers that you receive from lenders. Only when you have reviewed the terms and conditions of each loan must you accept. Even if you complete the loan request form on Bad Credit Loans, a lender provides you with a quote. You will only pay any fees once you accept the loan.  


Customer Support

As Bad Credit Loans is only a comparison site and not a lender, customers are advised to contact the lending company directly if they experience any issues with their loans. Those wishing to reach out to Bad Credit Loans with any enquiries or advice can get in touch by email, post, or phone. 

  • Free online form
  • Advanced encryption
  • Works with all credit scores
  • Maximum loan $10,000
  • Lack of support
Bad Credit Personal Loans provides an online connecting service for individuals with bad credit to find a loan company to finance their needs.


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Joe Schwartz

Personal Loans Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.