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Bad Credit Loans Review StaffApr. 04, 2019

In a Nutshell

If you are in desperate need of funds, but don’t have the credit for a traditional loan, Bad Credit Loans can help. While it doesn’t offer loans directly, it can connect you to a vast network of lenders who are willing to work with you even if your credit is less than stellar. Though its upper range for loan amounts is significantly lower than others in the field, it offers a great alternative when you are in need of emergency cash.


  • Works with credit scores under 600
  • Request a loan in under five minutes
  • Receive your deposits in as little as one business day


  • Loan amounts are below industry standard
  • Interest rates can be less competitive
  • Not directly a loan provider

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Loan Term Options

Keeping in mind that Bad Credit Loans is not a direct lender, the loan providers in the network usually offer short-term loans. The maximum loan term available is for 36 months, and generally reserved for borrowers with good to excellent credit. If you are looking for a loan and have less than stellar credit, you might be offered shorter terms—as low as 3 months. 

Loan Purpose and Amounts

Bad Credit Loans falls slightly behind because it is focused on helping users with bad credit, therefore amounts offered by its lending network tend to be lower than more traditional lenders. Loan amounts range from $500 to $5,000 with representative APRs of between 5.99% to 35.99% on average. Keep in mind that as these amounts are set by the loan provider and not Bad Credit Loans, these figures are subject to change depending on your negotiations with your connecting lender. One of the good things about the company is that it places no restriction on how you can use your loan, or your motive for taking a loan.

Lending Qualification Process

When submitting a request for a loan with Bad Credit Loans, the company looks at more than your creditworthiness. Due to the fact that a credit score is not always an accurate indicator of your real financial health, the company focuses on a broader spectrum of information when approving your loan request and connecting you with a qualified lender. Besides normal qualification parameters, Bad Credit Loans looks at your employment information when deciding on the appropriate lender to connect. While we would like to see a more inclusive qualification process, Bad Credit Loans’ willingness to look past credit scores alone is a definite plus.

Information and Support

The information provided by Bad Credit Loans provides you with a great introduction to their process and personal loans in general. The company offers a very insightful and useful blog, which deals with topics related to debt, credit, and borrowing in general. Additionally, their website gives helpful information regarding the loan process. Bad Credit Loans could improve their FAQ section somewhat, but customer support representatives can easily be reached during work days between 6am and 7pm PT.

Quote Request Process

When requesting a loan with Bad Credit Loans, you should have the following information handy:

  • Basic personal information
  • Proof that you are legally over 18
  • Proof of citizenship or legal residency
  • Proof of regular income
  • A checking account in your name
  • Work and telephone numbers
  • A valid email address

The quote loan request process takes very little time, although you will be required to navigate several pages of questions before you get connected with a lender. Regardless, the request process is very efficient and you will usually be connected in under 3 minutes with a loan option.

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Despite some small shortcomings, Bad Credit Loans is an excellent choice when you need emergency funds but have less than stellar credit. With customer-friendly request forms and qualification requirements, and a vast network of qualified lenders willing to work with anyone, the company offers an excellent alternative to more exclusive lenders. While the service could improve some areas, a simple request process, quick turnaround, and flexible amounts make Bad Credit Loans a reliable option for your needs.

Physical Address

2661 N Pearl St #431

Tacoma, WA 98407 StaffJun. 24, 2019
Our editorial staff is comprised of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right personal loan provider for your needs.