Get started with our online form

See if you qualify for a loan between $500 to $10,000

Request up to $10,000

Why choose Bad Credit Loans

Our service is 100% free

There is no cost or obligation to use our service. To help keep our service free, we may show you offers for credit-related services like debt relief, credit repair and credit monitoring.

Learn more in our Ad Disclosure.

Access our extended lender network

If we can’t find you a lender in our own network of lenders, we will show your loan inquiry to our extended network of third-party non-lender lender networks to help find you a lender in one of their networks.

We are not a lender and don’t endorse or control any of the lenders or other providers in our network or our extended network.

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

  1. Complete our simple online form and see if you are connected with a lender.
  2. Compare your options and complete your loan process.
  3. Review other non-loan offers to see if any make sense for you.

We're here for you

Every day, we help people looking to secure a loan, obtain information about debt relief, credit monitoring and other solutions to meet your needs.


We protect your information with data encryption technology. Learn more in our Privacy Policy.

Your time, your terms

Complete the online form any time, day or night. and if you receive a loan offer, carefully 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.

Other services

If we are not able to find a loan offer for you, we may connect you with offers for debt relief, credit repair, or other credit-related products or services. You are under no obligation to accept the offers and you should carefully review them and compare them to other options available to you before accepting.

Explanation of APR

Bad Credit Loans isn’t a lender and doesn’t provide unsecured loans, but it shows your loan request information to the lenders and lending partners in our network so they can choose whether to offer you a loan.

Note that APRs vary according to the lender, the information supplied by you in your loan request and other factors. Loan products generally have a 90 day minimum repayment term and a 72 month (6 year) maximum repayment term. Please note that every lender cannot offer these rates.

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.

The table below shows a sample cash loan APR term and rate. It is for information purposes only.

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.