With BadCreditLoans.com, the name does say it all. If you have bad credit and are looking for a loan ranging from $500 to $5000, BadCreditLoans specializes in connecting people with bad credit to lenders that may be able to offer them loans. BadCreditLoans Mission Every day, bad credit loans help people secure the loans they need, even with less than perfect credit. While not a direct lender themselves, bad credit loans offers a unique service that allows you to access hundreds of lenders with one simple request form. Simply enter the amount you need and a few pieces of personal information, and within minutes you will know whether the bad credit loans network lenders have a loan offer for you. The service is free to use, you can request again anytime, and it is entirely up to you whether or not to accept the loan offered from any lender. They offer loans that can be used for anything from debt consolidation to purchasing a car. BadCreditLoans Do Not Offer Loans In Arizona Arkansas Connecticut Georgia Maine Massachusetts Michigan New Jersey New York North Carolina Pennsylvania Vermont West Virginia In Our View Their website is clear that consumers with any credit score can request a loan. The interest rates typically fall between 5.99% and 35.99%, although rates can be higher. This interest rate is the standard through the USA from most loan providers which is surprising for bad credit loan offers. BadCreditLoans identifies that their lenders "do not" typically offer loans over $1,000.00 to bad credit borrows. If your credit is very poor, keep your loan request below $1,000. This loan amount is important for most people submitting a request with this company given that their lenders offer loans up to $5,000. If you have bad credit, you may need a secured loan using collateral like your home or auto if you have equity for security. BadCreditLoans is Not a Lender BadCreditLoans is not a lender. They connect consumers to a lender in their network. They will attempt to find a lender based upon your credit score and ability to pay Terms and Conditions
Loan Amounts Loans from $500 to $5,000

Lenders do not typically provide loans over $1,000 to bad-credit individuals

Required Credit Score Any credit score can submit a request
Doesn't lend in Arizona,  Arkansas,  Connecticut,  Georgia,  Maine,  Massachusetts,  Michigan,  New Jersey,  New York,  North Carolina,  Pennsylvania,  Vermont,  West Virginia
Minimum Annual Income $24000
Types of Income Regular Income from full-time employment, self-employment or disability/Social Security benefits
Variable Rate Option Not Available
APR Range Interest rates starting at 5.99% Actual rate offered will be determined by your credit score and other factors.
Loan Term

Most lenders that Bad Credit Loans works with offer repayment terms of 3 months to 36 months

Repayment Schedule Weekly, Bi-Weekly, Monthly
Credit Inquiry Soft inquiry
Fees and Closing Costs No Fees to Use Service
Secured Loans Unsecured
Co-Signer Not Available
Direct Deposit Consumer must have a valid checking account
Loan Purpose Emergency Personal Loan
Qualifications U.S. Citizen over the age of 18
Allows Military Not Available
Insurance Not Available
Legal Documents Required U.S. Citizen with proof of ID
Number of Offers Not Available
Customer Service On Line

What Is Required With BadCreditLoans to Qualify?

We contacted BadCreditLoans to discuss their criteria for requesting for a loan because most loan providers require a credit score of 590+ or higher and BadCreditLoans states that any credit score can submit a request.


  • Must be 18 years old or older
  • Proof of US citizenship including Social Security number or legal residence
  • Requires a regular income: Full-time employment, self-employment, or disability or Social Security benefits allowed
  • Checking account in your name
  • Provide a work and home telephone number
  • Requires a valid email address

They told us that some of their providers use a FICO® scoring model with a soft pull, but also consider work history and monthly income. They stated that generally borrowers must have an income of at least $2,000/month to request. The borrower may be offered a loan for higher interest than stated above by some lenders if they are a higher risk.  

Contact BadCreditLoans

Bad Credit Loans
2661 N Pearl St #431
Tacoma, WA 98407

Approval Process

The loans can approved in under a day for up to $5,000. Here is the process:

  • Complete the form on the website and your information is sent to their lenders
  • If approved, a lender contacts you with an offer
  • If you accept the offer you will sign the terms using an e-signature online and accept the terms and conditions of the loan
  • The lender will transfer the funds to your checking account
  • The repayment terms will vary, usually from 3 months to 36 months.

Make sure to read the terms and conditions very carefully before you accept any loan offer. You will want to look at all interest charges, early repayment fees, origination fees and any other fee outlined. If you are not satisfied with their loan offer, counter the offer or do not accept it, there are many other loan providers that you can research.


Although Bad Credit Loans does not make credit decisions, their lenders may do a soft credit inquiry as part of the process. Personal loan lenders in the Bad Credit Loans affiliate network may conduct a non-traditional credit check in addition to a conventional credit inquiry from the 3 major credit bureaus (Trans Union, Experian, and Equifax) to determine eligibility for a personal loan. If a borrower does not pay back a loan on time, a lender may choose to report this delinquency to one or more credit bureaus, with the end result being that credit scores could be negatively affected.