Bad Credit Loans Review

Good Loans for Bad Credit

If you are in desperate need of funds, but do not have the credit for a traditional loan, Bad Credit Loans can help you. While the company does not offer loans directly, they 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 their upper range for loan amounts is significantly lower than others in the field, they offer a great alternative when you are in need of emergency cash to help you through tough times.

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Bad Credit Loans Highlights

  • Get loans even with bad credit
  • A vast network means greater chances of getting approved for a loan 
  • Free to request a loan with no obligations to accept an offer


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


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

Loan Term Options

Keeping in mind that Bad Credit Loans is not a direct lender, the loan providers in their network usually offer short-term loans. In our experience, the maximum loan term available was for 36 months, and generally reserved for borrowers with good to great credit. If you are looking for a loan and have less than stellar credit, you might be offered shorter terms—as low as three months. We would have liked to see a more expansive range of loan terms, though Bad Credit Loans does not directly set any loan conditions.

Loan Purpose and Amounts

One area where Bad Credit Loans is slightly behind the industry curve is in loan amounts. Because they are focused on helping users with bad credit, the amounts offered in their lending network tend to be lower than more traditional lenders. Loan amounts range from $500 to $5,000 with representative APR rates of between 6.00% 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 matching lender. One of the good things about the company is that they place no restriction on how you can use your loan, or your motive for taking a loan.

Lending Qualification Process

When applying 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 application and matching you with a qualified lender. Besides normal qualification parameters, Bad Credit Loans looks at your employment information when deciding on the appropriate lender match. 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. The company could improve their FAQ section somewhat, but they 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

From our research, the quote application process took very little time, although we were required to navigate several pages of questions before we were connected with a lender. Regardless, the request process is very efficient and you will usually be connected in under three minutes with a loan option.


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

Bad Credit Loans

93 S Jackson St #65155

Seattle, WA 98104-2818


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