[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/badcreditloans-com-review\/#Article","mainEntityOfPage":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/badcreditloans-com-review\/","headline":"BadCreditLoans.com Review 2025","name":"BadCreditLoans.com Review 2025","description":"BadCreditLoans.com Best For: People who need money quickly, but don\u2019t have great credit scores.Pros:...","datePublished":"2020-03-24","dateModified":"2025-03-14","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/shannon-serpette\/#Person","name":"Shannon Serpette","url":"https:\/\/moneydoneright.com\/author\/shannon-serpette\/","identifier":63,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e8497bb70d7dace1eacc262ce2d9add2d2ea01626758283a5a9529a519b0862b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e8497bb70d7dace1eacc262ce2d9add2d2ea01626758283a5a9529a519b0862b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/badcreditloans-com-review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/badcreditloans-com-review.jpg","height":460,"width":1900},"url":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/badcreditloans-com-review\/","about":["Personal Loans"],"wordCount":2471,"keywords":["youtube","schema"],"articleBody":"\t    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBadCreditLoans.com\t\t\t\tBest For: People who need money quickly, but don\u2019t have great credit scores.Pros: They\u2019ll accept all credit scores, and if they match you with a lender, you could possibly have your money the next day. If you qualify for their lowest APR, it\u2019s a pretty good deal.Cons: You won\u2019t be able to get a lot of money since the loan amounts are pretty small. The longest repayment term is 3 years, compared to the 7-year terms you could get elsewhere. If you don\u2019t have good credit, you\u2019ll likely wind up paying a lot in interest, making it an expensive loan option.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAPR (Details)\t\t\t\t\t\t\t\t\t\t5\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFees (Details)\t\t\t\t\t\t\t\t\t\t5\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransparency (Details)\t\t\t\t\t\t\t\t\t\t8\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFlexibility (Details)\t\t\t\t\t\t\t\t\t\t5\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFunding Speed (Details)\t\t\t\t\t\t\t\t\t\t10\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAccessibility (Details)\t\t\t\t\t\t\t\t\t\t10\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAPR5.99 - 35.99%MINIMUM CREDITNo minimum credit scoreTERMS3 - 36 MonthsORIGINATION FEENot stated\t\t\t\tOur Review Methodology        We may receive a commission if you sign up or purchase through links on this page.  Here's more information.    It can be hard for people with poor credit scores to find companies willing to take a chance on them when it comes to securing a personal loanBadCreditLoans.com is a lending platform that helps those with poor credit find a lender willing to lend them money, but is it worth it?This BadCreditLoans.com review will let you know what you can expect from this business. By giving you all the details, you can decide if you think they\u2019re worthy of doing business with.\u00a0Table of ContentsToggleBadCreditLoans.com OverviewBadCreditLoans.com DetailsHow to Apply at BadCreditLoans.comBadCreditLoans.com Consumer ReviewsBadCreditLoans.com Pros and ConsBadCreditLoans.com Frequently Asked QuestionsAlternatives to BadCreditLoans.comBadCreditLoans.com OverviewWhat Is BadCreditLoans.com?BadCreditLoans.com is a lending platform — it won\u2019t actually hand over any money to you. Instead, it works with an array of lenders eager to be matched up with customers who need money.The company works with a bunch of lenders who will even issue loans to people who have bad credit.\u00a0BadCreditLoans.com HighlightsIf you\u2019re looking for a big personal loan, you\u2019ll want to look somewhere else. The loan amounts you can secure by connecting with lenders through BadCreditLoans.com is anywhere from $500 to $10,000.\u00a0 BadCreditLoans.com DetailsLet\u2019s get down to the nitty-gritty — the facts and numbers are what will help you decide whether you want to go through BadCreditLoans.com.APRThe APR you\u2019ll likely get when going through BadCreditLoans.com typically frange rom 5.99% to 35.99%, depending on the lender or lenders you are matched with.Of course, as a lending platform and not a lender, BadCreditLoans.com can\u2019t guarantee that is the range of rates all of their lenders will offer.\u00a0If you\u2019re offered a 5.99% rate, you\u2019re getting a good deal for a personal loan. But the reason we gave a middle-of-the-road rating for this category instead of a better one is that 35.99% is high.You don\u2019t want to pay that much for a loan unless your back is truly against the wall.\u00a0FeesIt\u2019s difficult to hand out a grade for fees because there isn\u2019t much information about BadCreditLoans.com\u2019s fees on their website, even under the rates and fees section.\u00a0They do state that you won\u2019t be charged a fee for being connected with a lender. But they don\u2019t mention any particular fees you might face — they just state the fees and rates are determined by each individual lender.\u00a0TransparencyThere is a surprising amount of information on BadCreditLoans.com\u2019s website. And it\u2019s fairly well organized and not hard to find.\u00a0They clearly spell out the rates you might expect and disclose that, as a lending platform rather than the lender, they don\u2019t have any control over those rates. They urge you to read any contract carefully so you completely understand the loan terms that are being offered to you.\u00a0The biggest shortfall when it comes to transparency is that they don\u2019t tell you if you can expect origination fees with most of their lenders. While they do say to be aware of fees in any contract you\u2019re offered, it would be more helpful if they disclosed if they work with any lender who doesn\u2019t charge origination fees.\u00a0It would also be useful if they had a section detailing what fees you might expect — like origination, late, or prepayment fees.\u00a0They are upfront about the fact that some of the lenders they may link you up with are tribal lenders. And that going through them can result in more fees and higher APRs.\u00a0FlexibilityA loan length of 3 to 36 months doesn\u2019t offer much flexibility.Even though the dollar amount of the loans is smaller than with some other lending platforms, it may still be a stretch for people to pay it off that quickly. That\u2019s especially true if they only qualify for the 35.99% APR.Funding SpeedIf you need money rapidly, BadCreditLoans.com can deliver on that. It will link you up with a lender quickly, and you may have your money in your account within one business day.AccessibilityIt\u2019s hard to fault BadCreditLoans.com when it comes to accessibility. They make the application process easy for their prospective customers.And since they keep their applications open to people no matter what their credit score is, they\u2019re not nearly as exclusive when it comes to borrowers as some other sites are.\u00a0Feel free to apply, even if you have a super low credit score that has resulted in you being denied everywhere else you have applied for a loan. But here are the other criteria you should meet before you apply.You must be 18 years old or over.You\u2019ll have to give your home and work telephone numbers.\u00a0You must be able to prove you\u2019re a U.S. citizen, either through legal residency or having a Social Security number.You must show a regular income — it can be through disability, Social Security benefits, self-employment, or regular employment.You need to have an email address.You need to have a checking account under your name.\t\t\tBadCreditLoans.com offers a personal loan solution to those with bad credit. But accepting a loan with one of the lenders they pair you up with may mean some pretty high APRs.3.5\/5 Rating\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t.st3-32307.btn.btn-default:hover{border-color: #4db848;color: #4db848;background: #fff !important;}\t\t\t\t\tGet StartedWe earn a commission on this offer.\t\t\tHow to Apply at BadCreditLoans.comDon\u2019t worry — this application process is a lot simpler and faster than you might think. You won\u2019t need to spend an entire evening on it.\u00a0Step 1: Fill Out the Loan Request FormYou can find this form on BadCreditLoans.com\u2019s homepage. Some of the information you\u2019ll be asked to share includes your credit score category (excellent, good, fair, poor, or not sure), your birth date, and your reason for seeking a loan.\u00a0They\u2019ll ask you about your reason so they can match you up with an appropriate lender. You\u2019ll also have to share your employment, banking, and contact information.\u00a0Step 2: You May Receive an OfferIf a lender likes what they see on your request form, you may get an offer sent to you through email. Don\u2019t forget to read every bit of the contract you are being offered.That\u2019s your responsibility as the borrower to understand all the repayment information.\u00a0Step 3: Accept Your Loan If You Want ItIf the terms look like something you can live with, you need to accept your loan.You\u2019ll do that online, just as you applied online. If you decide to proceed, you\u2019ll use an e-signature to accept it.\u00a0Step 4: Get Your MoneyThe money will be direct deposited into your account. It may arrive in one business day or take a little longer.BadCreditLoans.com Consumer ReviewsWant to know what other customers have had to say about BadCreditLoans.com? We\u2019ll look at the good and the bad to help you make an informed choice about this lending platform.Better Business BureauMany people trust the ratings issued by the Better Business Bureau. Although BadCreditLoans.com has been in business for 22 years, it isn\u2019t BBB accredited.The score that been issued by the BBB to BadCreditLoans.com is their very lowest — an F.\u00a0Two people left reviews about the lending platform on the BBB site — both of those reviews were scathing.\u00a0\u00a0John B. was worried about what the company would do with all of his sensitive information — whether they would simply dispose of it in a responsible manner or sell it to a third party. He was unable to reach a representative in a reasonable time frame to get an answer to his question.\u201cI have spent over three hours on hold with no ability to get a hold of a real person. This was an infuriating waste of time and money as a professional when all I wanted was a small loan to set myself for a temporary position in-between jobs,\u201d he wrote.Another reviewer, C.S., had a similar experience. \u201cThey do not give proper information and hang up the phone on you. I\u2019ve been calling over and over and no one is answering now that I\u2019m calling from a different number.\u201dBefore you decide to shun BadCreditLoans.com based off of its BBB reviews and score, remember this is only a very small piece of the puzzle. There are many satisfied customers and this only represents a small portion of those who have utilized BadCreditLoans.com.User ReviewsBadCreditLoans.com has only been reviewed by seven people on Trustpilot. Those reviews have led to a rating of 2.5 stars out of 5.\u00a0Some reviewers were pleased with their experience. One reviewer named Maggie said, \u201cI have bad credit and was in need of a loan, luckily I found this site and was able to get help.\u201dAnother one, Inger E., said, \u201cVery helpful, fast, got me a loan even with bad credit.\u201dBea, another reviewer, was a pleased customer. \u201cI was really happy with the customer service and how easy it was to find a loan w\/ bad credit. I will recommend this.\u201dMirta Lee, one more reviewer, said, \u201cI am very impressed with how professional, easy, and safe this loan site is \u2026 everything was simple, I got approved right away, and my information was never sold or stolen.\u201dThe sole bad review came from someone logging in as Loca Loca, who voiced the opinion the site was a phishing scam. That reviewer based that opinion off of the fact the websites asks for banking, personal, and contact information but doesn\u2019t guarantee a loan.To be fair, no website can guarantee a loan without knowing more information about the person requesting it.\u00a0\t\t.st2-32309.btn.btn-default:hover{border-color: #4db848;color: #4db848;background: #fff !important;}\t\t\t\tGet StartedWe earn a commission on this offer.\t\t\tAPR5.99 - 35.99%Maximum Loan$10,000Minimum CreditNo minimum score needed\t\tBadCreditLoans.com Pros and ConsNothing is ever all good or all bad. Here are the upsides and downsides of this lending platform.BadCreditLoans.com ProsFree to apply: BadCreditLoans.com doesn\u2019t charge its customers a fee for linking them up with lenders.Competitive (for some): Those borrowers will be the ones with better credit histories.Fast: If you\u2019re having an emergency situation that requires you to have money quickly, it\u2019s possible through BadCreditLoans.com.Bad Credit OK: They don\u2019t have strict criteria for people who need to borrow money.BadCreditLoans.com ConsAPRs Can Be High: If your poor credit means you only qualify for the costliest APR, you\u2019ll have to cough up a lot of money for your repayment term.Not Transparent About Fees: There isn\u2019t any way for you to determine what types of fees might be required until you\u2019re offered a contract.Short Repayment Period: The lengthiest term you can get is three years.$10,000 Maximum: At best, you can land a $10,000 loan. That may not be enough for what you need it for.Could Affect Credit: BadCreditLoans.com says an applicant\u2019s credit may be impacted when a lender performs a credit check.BadCreditLoans.com Frequently Asked Questions.accordion-list .accordion-title:hover{color: #4db848;}How does BadCreditLoans.com make money?It doesn\u2019t charge potential borrowers a fee for filling out the request form. The site acknowledges that it may get money from third parties for \u201csuccessful or unsuccessful product or service requests.\u201dWill filling out the request form with BadCreditLoans.com hurt my credit score?BadCreditLoans.com will only do a soft pull, if that, when it receives a request form. But, your credit score may take a dive if the lenders decide to do a hard pull on your credit report.Does the website offer anything other than being a middleman for personal loans?BadCreditLoans.com also provides education. Having the right information at your fingertips can teach you some valuable lessons about handling your finances and your private data responsibly. The website does offer a news section full of articles you can use to learn more about finances. Who might BadCreditLoans.com share my personal information with if I fill out a loan request?There are several businesses and entities BadCreditLoans.com may share your information with, including:Lenders.Agents of records who work for lenders.The whole network of lenders the site is affiliated with.Any other companies that might offer you related services.Some other third-party marketing affiliates.  You can contact the company at 800-245-5626 to limit that sharing at any time.Is it possible to get the full $10,000 loan -- the maximum offered through lenders associated with BadCreditLoans.com -- even if I have bad credit?If you have bad credit, it\u2019s highly unlikely you\u2019ll get a loan of that size. They state on their website that their lenders usually won\u2019t lend more than $1,000 to borrowers who have poor credit. Alternatives to BadCreditLoans.com.btn.btn-blue.dift:hover, .btn.btn-default.dift:hover {color: #4db848;border-color: #4db848;background: #fff !important;}\t\t\t BadCreditLoans.comPersonalLoans.comOppLoansUpstart \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPros and Cons\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBestFor\t\t\t\t\t\t\tThose with poor credit who need some quick cash\t\t\t\t\t\t\t\t\t\t\t\t\tPeople with poor credit\t\t\t\t\t\t\t\t\t\t\t\t\tBorrowers who want fast, easy loans\t\t\t\t\t\t\t\t\t\t\t\t\tThose who have pursued higher education\t\t\t\t\t\tLoanAmounts\t\t\t\t\t\t\t$500 to $10,000\t\t\t\t\t\t\t\t\t\t\t\t\t$1,000 to $35,000\t\t\t\t\t\t\t\t\t\t\t\t\t $500 to $5,000\t\t\t\t\t\t\t\t\t\t\t\t\t$1,000 to $50,000\t\t\t\t\t\tAPR\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\t\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\t\t\t\t\t\t\t\t99 - 199%\t\t\t\t\t\t\t\t\t\t\t\t\t6.46 - 35.99%\t\t\t\t\t\tMinimumCredit\t\t\t\t\t\t\tAny credit score is welcome\t\t\t\t\t\t\t\t\t\t\t\t\t580\t\t\t\t\t\t\t\t\t\t\t\t\tApply with any credit score\t\t\t\t\t\t\t\t\t\t\t\t\t620\t\t\t\t\t\tTerms\t\t\t\t\t\t\t3 - 36 months\t\t\t\t\t\t\t\t\t\t\t\t\t90 days up to 72 months\t\t\t\t\t\t\t\t\t\t\t\t\tUp to 36 months\t\t\t\t\t\t\t\t\t\t\t\t\t3 years or 5 years\t\t\t\t\t\tOrigination Fee\t\t\t\t\t\t\tThat depends on each individual lender\t\t\t\t\t\t\t\t\t\t\t\t\tDependent upon the terms from each individual lender\t\t\t\t\t\t\t\t\t\t\t\t\tCharges one in some states\t\t\t\t\t\t\t\t\t\t\t\t\tAnywhere from zero to 8%\t\t\t\t\t\tFundingSpeed\t\t\t\t\t\t\tPossibly in one business day\t\t\t\t\t\t\t\t\t\t\t\t\tMight receive as fast as one business day\t\t\t\t\t\t\t\t\t\t\t\t\tCan be one business day\t\t\t\t\t\t\t\t\t\t\t\t\tCan be in just one business day\t\t\t\t\t\tCreditCheck\t\t\t\t\t\t\tSoft through the site, but possibly hard through the lenders\t\t\t\t\t\t\t\t\t\t\t\t\tCould be hard or soft\t\t\t\t\t\t\t\t\t\t\t\t\tSoft\t\t\t\t\t\t\t\t\t\t\t\t\tSoft\t\t\t\t\t\t\t\t\t \t\t"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Fast Money","item":"https:\/\/moneydoneright.com\/fast-money\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Personal Loans","item":"https:\/\/moneydoneright.com\/fast-money\/\/personal-loans\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"BadCreditLoans.com Review 2025","item":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/badcreditloans-com-review\/#breadcrumbitem"}]}]