How It Works

Getting Personal With Bad Credit Loans

At Bad Credit Loans, we understand that there are emergencies no one can plan for, and we aren’t limited to helping only consumers with perfect credit. Sometimes a run of bad luck comes up through no fault of your own. However, as long as you’re working, we have the resources to lend you a helping hand no matter if your credit is good or bad. We want to help inform you on making responsible lending decisions and then connect you to one of our available lenders or financial service providers if you feel a bad credit loan would be right for you.

Bad Credit Loans Can Help

We know that it’s the people who are struggling that really need the personal loans, not those with the spotless credit histories who are paying all their bills on time. A perfect spending history simply isn’t possible for many American households, especially in times like these. No matter how well you’ve planned your budget and spending strategies, they can still be thrown off by one unexpected car repair or other emergency when already living paycheck to paycheck.

An installment loan can get you to your next paycheck when there are no other solutions.

Convenient Loan Requests

Our online system makes it simple to submit a request for a loan. Just fill out our convenient online loan request form and you can get a loan offer in minutes from our network of lenders and financial service providers. If approved, the funds can be deposited electronically into your checking account in as fast as one business day.

Our network of lenders and financial service providers works with people with good and bad credit. Bad Credit Loans is free to use and you’re not obligated to accept any loan offer.

Eligibility Requirements:

Your credit does not need to be perfect to be eligible for a bad credit loan. Customers with poor credit may still qualify for a loan, it is common for our network of lenders to approve smaller loan requests below $1,500 to bad-credit individuals. Please note that meeting the requirements below does not mean you will be connected to a lender.

Requirements to submit a loan request:

  • Be at least 18 years old.
  • Provide proof of citizenship, such as a Social Security number, or legal residency.
  • Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.
  • Have a checking account in your name.
  • Provide work and home telephone numbers.
  • Provide a valid email address.

Loan Request Process:

Our loan request process is designed to connect you with a lender from our network who can assist with your financial needs. If successfully connected, a lender will verify your information quickly and review your loan request.

Depending upon the information you provide, a lender might respond with a loan offer. You should take your time in reviewing all details of any loan you’re considering. You will not be obligated to accept the offer if it is not the right offer for you!

When you decide to accept a loan, you must agree to the lender’s terms via e-signature. (Remember, you are under no obligation to accept any loan offered.)

Once you add your electronic signature to the lender’s contract, the lender will distribute your loan funds to your checking account via direct deposit. Funds should be available as soon as the next business day, however, the exact availability timeframe will depend on your lender’s deposit process.


If presented with an offer which is accepted by you. Your lender will present you with your repayment schedule and you will be able to repay your installment loan off over time.

That’s all there is to it! Our network of lenders typically require no collateral, and make lending decisions on a number of factors – not just a poor credit history. Your steady income and checking account is typically required.

Note: Bad Credit Loans is not a lender; rather, we specialize in connecting borrowers with our network of bad credit lenders and financial service providers. Bad Credit Loans cannot dictate your loan terms, conditions or interest rates/fees.