BadCreditLoans.com

Since 1998, BadCreditLoans.com has connected borrowers with bad credit to a network of online lenders. This free service allows you to receive unsecured short-term loans for emergencies at any time regardless of your credit score.

To submit a request for a loan from BadCreditLoans.com, you must meet a few preliminary requirements:

• Be a US citizen or permanent resident
• Be at least 18 years of age
• Have a valid checking account in your name
• Have a source of steady income

Submitting a request for a loan through BadCreditLoans.com is simple and a loan decision only takes a few minutes.

To see if you can be connected with BadCreditLoans.com's trusted lender partners, you only have to fill out a form online with some of your basic information and documentation that includes:

• Your name
• Contact information
• Date of birth
• Social Security number
• Credit score (even though there are no minimum credit requirements)
• The loan reason and amount requested
• Bank account information
• Employment and income information, whether it’s from a job, disability, or Social Security benefits
• Photo ID information from your driver’s license or passport

Once you submit your loan request and you are connected with a lender, you can review the loan offer and decide if it works for you. Because BadCreditLoans.com is not a direct lender, these loan terms, rates, payments, and fees vary depending on your lender. These loans do not require collateral or a security deposit, but lenders will verify your information and will most likely do a hard pull on your credit, which does affect it slightly.

If you choose to follow through, you can sign your loan agreement with an electronic signature and your funds can be directly deposited into your checking account in as little as one business day, depending on how quickly your bank handles transactions.

Contact BadCreditLoans.com

Phone: 800-245-5626 Email: [email protected] Address: BadCreditLoans.com 2661 N Pearl St. #431 Tacoma, WA 98407

BadCreditLoans.com Pros

• Multiple services: BadCreditLoans.com offers additional services aside from personal loans by helping consumers find credit cards, business loans, car loans, student loans, and mortgages.
• Protects your personal and financial information: Your personal information is kept safe by BadCreditLoans.com's industry-standard SSL encryption technology.
• No loan request fee: Using the BadCreditLoans.com service is 100% completely free.
• Fast decision: You can receive loan decision in just a matter of minutes.
• You can receive your funds in as little as one business day.
• Educational resources: BadCreditLoans.com has a series of articles with extra information on financial topics to help you navigate your financial needs.

BadCreditLoans.com Cons

• Depending on your state of residence, you may not be eligible for BadCreditLoans.com's loan marketplace services.
• Once you submit your information, you agree to release it to their network of lenders who can then contact you through phone, email, or mail. Many applicants stated that they received offers from lenders even after they had chosen one.
• BadCreditLoans.com lacks BBB accreditation.
• Interest rates can be high. We recommend not taking any loans over 35.99%.

BadCreditLoans.com Pricing

• Using BadCreditLoans.com's loan request form is free.
• BadCreditLoans.com’s lenders offer loans between $500 and $5,000.
• APRs range from 5.99% to 35.99%.
• Repayment terms range from 3 to 60 months.
• All loans are unsecured and do not require any collateral.
• Your loan interest rates and fees depend on your lender. Most lenders will charge a financing fee and late fees for any missed payments.

Summary

BadCreditLoans.com is a free online service that connects borrowers with bad credit to a network of lenders in order to fund short-term loans for emergencies. While we like their large option of lenders, we would advise potential borrowers to steer clear of any interest rates higher than 35.99%.