We can help when others can't

Helping people with bad credit since 1998

Request up to $10,000

How much would you like to borrow?

I consent and agree to the Privacy Policy, Terms of Use, Rates & Fees, and E-Consent.

Request up to $10,000

I consent and agree to the Privacy Policy, Terms of Use, Rates & Fees, and E-Consent.

We are America's go to place for bad credit loans

Our service is 100% free

There is no cost or obligation to request a loan on our site. Review terms before accepting any funds.

Review Rates & Fees and Terms of Use for more information.

Committed to responsible lending

We are committed to working with responsible lending partners and educating our customers throughout the process.

Learn more in our Responsibility Pledge and How It Works.

Privacy, security, & 24/7 service

We protect your information with advanced encryption technology.

We’re available 24 hours a day, 7 days a week.

Learn more in our Privacy Policy.

Three easy steps, all online

Complete your loan request on our website and our network of lenders will determine if you are eligible for a loan offer.

If you’re approved, just review and accept your loan — all online!

 

We're here for you

Every day, we help people like you secure loans, even if you have bad credit. We’re here to help you find solutions to your financial needs.

Security

We protect your information with data encryption technology.

Your time, your terms

Request a loan any time, day or night. Request to funds you need, and review the offer presented to you before accepting.

No fees or obligations.

Today is the day

We’ll help you access funds to pay off past-due bills, fix the car, or take care of whatever is holding you back.

APR — Representative Range Explanation

Bad Credit Loans isn’t a lender and doesn’t provide unsecured loans, but it refers consumers to lenders and financial service providers who may provide such loans.

A personal loan from a lender or financial service provider in our network often ranges between 5.99% and 35.99%, although APRs vary according to the information that is supplied by you in your loan request. Loan products generally have a 90 day minimum repayment term and a 72 month (6 year) maximum repayment term.

Your lender will provide you with the APR, loan fees and other terms when you are redirected to your loan agreement during the loan request process. Before accepting a loan from a lender within our network, be sure to read the loan agreement carefully as the APR and repayment terms may differ from what is listed on our website as we are not the lender. For help with any Bad Credit Loans–related services, feel free to contact us.

Following is a representative example of a cash loan APR range:

Borrow $2,000 for 12 months with a 19.9% representative APR and a monthly repayment of $183.63.

Total repayment will be $2,203.56.

Installment loans are somewhat expensive when compared with other loan products. They are not recommended as a long-term financial solution, and they should only be taken out for emergency financial needs.