BadCreditLoans.com Review – Is It Really the Best Bad Credit Loans Website?

BadCreditLoans.com is one of the internet’s best-known bad credit lenders.

You can request anywhere from $500 to $10,000 through BadCreditLoans.com. The website is free to use and connects borrowers with lenders.

Is BadCreditLoans.com legit? Should you borrow money through BadCreditLoans.com? Keep reading to discover everything you need to know about Bad Credit Loans.

About BadCreditLoans.com

Bad Credit Loans is a short-term lending website found online at BadCreditLoans.com.

After entering your basic information into BadCreditLoans.com, you can view multiple lending offers for your needs.

BadCreditLoans.com is 100% free to use. The website connects you with lenders willing to lend money to you. You’ll pay interest to those lenders in exchange for a loan, and you pay back the loan on the listed due date.

BadCreditLoans.com is not a lender. The website connects you with lenders in your area.

Bad Credit Loans was founded in 1998. The website, which Chief, LLC operates, has offered short-term lending options for 24+ years.


How Does BadCreditLoans.com Work?

BadCreditLoans.com is designed to be easy to use:

  • Step 1) Complete the simple online form and view a list of available lenders.
  • Step 2) Compare options and complete the loan process with one or more lenders.
  • Step 3) Review other non-loan offers to see if they make sense for you.

BadCreditLoans.com is available 24 hours a day, seven days a week. You can use the website to apply for a loan at any time.

If BadCreditLoans.com cannot find a lender in its network, the website shows your loan inquiry to an extended network of third-party non-lender lender networks, giving you the best possible chance of getting the money you need.

BadCreditLoans.com Features & Benefits

You have plenty of options for short-term lenders and bad credit loans. BadCreditLoans.com emphasizes all of the following features and benefits.

Security: BadCreditLoans.com protects personal information with encryption technology like all other lending websites.

Available 24/7: BadCreditLoans.com is available 24 hours a day, seven days a week, to help people access the funds they need at any time.

No Fees or Obligations: You can request a loan through BadCreditLoans.com without paying anything, and you have no obligation to accept any of the listed offers. If you don’t like any of the listed offers, you have no obligation to pick them. BadCreditLoans.com presents the recommendations for free.

Pay for Anything: Once you get the money you need through BadCreditLoans.com, you can use that money for anything. You can pay off past-due bills, fix a car, or take care of whatever is holding you back. It’s your money to use for whatever you like.

Three Easy Steps: BadCreditLoans.com makes it easy to request a loan in three easy steps. Complete the online form, compare options, and connect with a lender. That’s it.

Access an Extended Lender Network: BadCreditLoans.com specializes in connecting people with bad credit with the loans they need. While other lending websites only use their network, BadCreditLoans.com has a primary network and secondary network of lenders for your convenience. If BadCreditLoans.com cannot find a lender for you, the company turns to its extended network for other financing options.

BadCreditLoans.com Pricing

BadCreditLoans.com is free to use, and there are no costs or fees involved with using the BadCreditLoans.com website.

Once you connect with a lender through BadCreditLoans.com, then you’ll pay interest and other potential fees to that lender. If you do not pay back the loan at the due date, you may pay additional fees.

BadCreditLoans.com makes money by connecting lenders with borrowers. The lender pays BadCreditLoans.com a commission for each borrower they refer to the platform.

BadCreditLoans.com APRs, Fees, and Borrowing Terms

BadCreditLoans.com does not charge any fees for connecting borrowers with lenders. However, lenders in the BadCreditLoans.com network charge fees, including interest (expressed as an APR) and other potential fees.

Here’s what you need to know about BadCreditLoans.com’s APRs, fees, and borrowing terms:

  • Each loan featured on BadCreditLoans.com will have an annual percentage rate (APR).
  • According to the official website, APRs in the BadCreditLoans.com network vary from 5.99% to 35.99%.
  • Loans typically have a 90-day minimum repayment term and a 72-month (6 years) maximum repayment term.
  • Lenders have different rates for borrowers, and you may see different rates, fees, and APRs than other borrowers.

Each lender provides you with the APR, loan fees, and other terms upfront, making it easy to compare different lenders. Be sure to read the lending agreement carefully. Watch for missed payment fees and additional charges.

As an example of a typical cash loan, BadCreditLoans.com assumes you borrow $2,000 for 12 months with a 19.9% representative APR and a monthly repayment of $183.63. For this loan, your total repayment will be $2,203.56.

Installment loans are expensive compared to other loan products, and they’re not recommended as a long-term financial solution; instead, they’re best for emergency financial needs.

BadCreditLoans.com Credit Score Range

BadCreditLoans.com accepts borrowers with all levels of credit score, including good credit, average credit, bad credit, and no credit.

If you do not qualify for a loan through BadCreditLoans.com’s primary network of lenders, then the website directs you to a secondary network with additional financing options.

Credit scores range from 300 to 850. A typical credit score range, according to Experian, is:

  • 800 or Above: Excellent credit
  • 700 or Above: Good credit
  • 600 to 750: Average credit (the average credit score in the United States is 710)
  • 450 to 600: Fair credit
  • 450 and Below: Poor credit

Lenders may also consider your FICO score, similar to a credit score but slightly different. A FICO score ranges from 300 to 850, with a “good” range being 670 to 739. Some lenders also use VantageScore to determine your lending options.

BadCreditLoans.com Borrowing Requirements

Each lender has different requirements in terms of credit score, minimum payments, and borrowable amount.

To view a list of available lending offers in your area, you must give BadCreditLoans.com the following information:

  • Amount requested ($500 to $10,000)
  • ZIP code
  • Last four digits of the Social Security Number (SSN)
  • Date of birth
  • Your name

As you progress through the BadCreditLoans.com application form, the form asks various questions to verify your identity and determine your repayment risk.

You must provide all of the following information into the online form before viewing lending offers in your area:

Reason for the loan (debt consolidation, debt relief, credit card refinance, emergency situation, auto repair, auto purchase, moving, medical, business, vacation, taxes, rent or mortgage, special occasion, major purchase, student-related or education, or other)

Your address, including how long you’ve lived at a specific address and whether or not you own your home.

BadCreditLoans.com asks for your source of income (employment, self-employment, or benefits/alimony). You’ll also need to provide your employment information. You’ll also need to provide the length of time you’ve been employed and how frequently you get paid or receive other income.

BadCreditLoans asks for your monthly gross income to calculate your available borrowing amount. Your monthly gross income is the amount you make before taxes and deductions. It includes wages, retirement, investments, and rental properties. You can calculate your non-taxable income or benefits by adding an extra 25%.

Next, you’ll need to identify your driver’s license or state ID number.

Then, Bad Credit Loans asks for your Social Security Number. Lenders use your SSN to verify your identity, prevent fraud, and check your credit.

Next, Bad Credit Loans asks which type of bank account you have (checking or savings). This is the account where your loan will be deposited. Lenders are more likely to fund a checking account than a savings account.

Bad Credit Loans then asks if you’re paid with direct deposit or a paper check. Lenders are more likely to fund a loan to an account with direct deposit than a paper check. Bad Credit Loans also asks how long you’ve been at your bank (under 12 months, 12 to 24 months, or more than two years).

Finally, Bad Credit Loans asks for your ABA or routing number and account number.

Once you’ve entered all of the information above, you can view a list of borrowing offers in your area.

What’s the Catch?

When you enter your information into BadCreditLoans.com, you agree to receive information from their lending and marketing partners.

In addition to receiving lending offers from lenders, you may receive offers and marketing about loans, debt relief, and other credit-related services from BadCreditLoans.com’s marketing partners.

Bad Credit Loans partners with hundreds of lenders and marketing partners. You can view the complete list of third parties here.

BadCreditLoans.com Reviews

BadCreditLoans.com has several reviews online from consumers and professional review organizations. Generally, BadCreditLoans.com has better reviews than competing lending websites, and most professional reviewers have given the site a score of 80% or higher.

Here are some of the BadCreditLoans.com reviews seen online:

Fortunly.com awarded BadCreditLoans.com a score of 4 stars out of 5 based on an analysis by its editorial team.

FinMasters.com awarded BadCreditLoans.com a score of 8 out of 10. The editorial team liked the effectiveness, ease of use, and support provided by BadCreditLoans.com. However, they took issue with the pricing and the need to provide extensive personal information upfront.

Some reviewers take issue with the way BadCreditLoans.com shares phone numbers and other contact information with marketing partners. Borrowers may receive phone calls, texts, and emails from lenders and marketing companies.

BadCredit.org awarded their Editor’s Top Pick to BadCreditLoans.com, praising the website for making it easy to connect with lenders and get the money approved as soon as the next business day. The editors awarded BadCreditLoans.com a score of 4.6 stars out of 5.

BadCreditLoans.com has an “F” rating from the Better Business Bureau. BBB users complain about unsolicited emails and calls from third parties and other issues. Although BadCreditLoans.com has been in business for 24 years, according to the BBB, the company has had just two complaints in the last three years and 0 complaints in the last 12 months, as of May 2022.

Overall, BadCreditLoans.com has a better-than-average reputation online among reviewers and users. Although some take issue with the way BadCreditLoans.com uses customer information, others like the website for its ease of use and extensive selection of lending offers.

About BadCreditLoans.com

BadCreditLoans.com, according to the company’s About Us page, is in the business of helping people. The company wants to make it simple for consumers to get the funds they’re looking for online.


BadCreditLoans.com is not a lender. They’re a website that connects borrowers with lenders for free.

You can contact BadCreditLoans.com via the following:

  • Email Form: https://www.badcreditloans.com/contact-us/
  • Email: support@badcreditloans.com
  • Phone: 800-245-5626
  • Mailing Address: 2661 N Pearl St #431 Tacoma, WA 98407

BadCreditLoans.com was founded in 1998. Chief, LLC operates the company and website.

Final Word

BadCreditLoans.com is a personal lending website designed to connect people with bad credit with the borrowing options they need.

You can start an application today through BadCreditLoans.com, then get access to hundreds of lenders in your area. BadCreditLoans.com accepts lending requests of $500 to $10,000 with repayment terms of 3 months to 7 years.

To learn more about BadCreditLoans.com or apply for a loan online today, visit the official website at BadCreditLoans.com >>>


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