• APR RANGE: 5.99%-35.99%
  • REPAYMENT TERMS: Depending on lender
  • INCOME THRESHOLD: Varies by lender
  • LOAN AMOUNTS: $500-$10,000
  • FUNDING TIME: Depending on lender
  • LOAN TERMS: 3-72 months
  • FEES: Varies by lender

2022's BadCreditloans.com Reviews

  • APR RANGE: 5.99%-35.99%
  • REPAYMENT TERMS: Depending on lender
  • INCOME THRESHOLD: Varies by lender
  • LOAN AMOUNTS: $500-$10,000
  • FUNDING TIME: Depending on lender
  • LOAN TERMS: 3-72 months
  • FEES: Varies by lender

Best For

Small Loans


  • Using the online form is free
  • Speedy and simple online process
  • Loan decision in minutes
  • Access to educational resources


  • Not BBB accredited
  • High annual percentage rate starting from 5.99%

Established in 1998 and serving customers for over 22 years, badcreditloans.com connects borrowers with less than stellar credit with a big network of online lenders. So, if you are already searching through BadCreditLoans.com reviews to develop a good understanding of how it works and what it offers, then you have come to the right place. In this review, we will talk about the company, the eligibility criteria, the application process, privacy and security, and more.

What Do You Need to Know About BadCreditLoans.com?

The company realizes that financial emergencies often occur when least expected. In such a situation it is difficult for people to get funding from banks or other loan institutions. This is where BadCreditLoans.com comes into the picture. It gives people the opportunity to look for personal loans and get access to funds quickly. So, if you’re struggling to solve a pressing financial crisis, then BadCreditLoans.com may be a good way to obtain a personal loan.

In our badcreditloans.com review, we wanted to give information you’ll need if you decide to use their online form to look for a loan offer. So, here is a summary of everything related to BadCreditLoans.com. It will provide you with a good understanding of how the online process works.

  • Expected Loan Amount – The minimum is $500, and the maximum is $10,000
  • Annual Percentage Rate (APR) – Minimum 5.99%, and maximum 35.99%
  • Typical loan decision time – The online form usually takes less than 5 minutes to complete. After that, it only takes a few more minutes to see if a lender will offer you a loan.
  • Payment Terms – Variable, depending on the lender
  • Typical funding time – Rapid disbursement. The exact time varies from lender to lender
  • Loan Term – 3 to 72 months
  • Types of interests – The loan interest rate and fees depend on the lender
  • All loans offered are unsecured personal loans, which means no collateral is required
  • Fees and Penalties – Varies by lender

What Is BadCreditLoans.com’s Criteria?

As compared to its competitors, BadCreditLoans.com requirements are fairly simple and minimal. The preliminary requirements include that you:

  • Must be a permanent US resident or citizen
  • Have to be at least 18 years of age or above
  • Need to have a valid bank account opened in your name
  • Although there is no income threshold, you must have a steady income source

How to Complete the Online Form on BadCreditLoans.com

Now here’s the BadCreditLoans.com online process review. The good thing is that there is no cost in completing the online form. More importantly, the process takes hardly 5 minutes and is as simple as it gets.

Here’s a step-by-step guide on how the online process works on BadCreditLoans.com:

Step 1. Log on to their official website badcreditloans.com

Step 2. Next, click on the tab ‘Get started’

Step 3. Now a simple online form will appear on your screen

Step 4. Fill in the details as requested such as:

  • Amount Requested
  • Credit Type
  • Loan Reason
  • First and Last Name
  • Birth Date

Here it is important to note that your loan reason doesn’t make you more or less qualified for the loan. Once you fill in the details, go on to step 2.

Step 5. Now provide them with your latest contact information

Step 6. On the same page, you will be asked to provide employment information along with identity and bank information. Please complete the form correctly to move on to the next stage.

Step 7. Provide accurate deposit information and answer a few questions

Step 8. Now enter your phone number to get SMS alerts and submit the form if you agree to their terms and conditions as stated. It is advisable to read them carefully before you submit the form. Yes, even the fine print.

Step 9. Once you submit your form, BadCreditLoans.com will attempt to connect you with a lender. If you do receive an offer from a lender, read the contract carefully when it comes to the loan amount, APR, and terms. If you accept the offer, simply provide your signature on the contract.

Privacy & Security Policy

As confirmed by more than one BadCreditLoans.com review, the company uses advanced encryption technology. Rest assured, your personal and financial information are safe with them. Furthermore, to protect the borrowers’ personal information from unauthorized access or use, BadCreditLoans.com uses security measures that comply with the applicable law, including computer safeguards and secured files and buildings.

Pros Cons
Using the online form is free The company is not BBB accredited
Speedy and simple online process High annual percentage rate starting from 5.99%
Access to educational resources
Loan decision in minutes
Fast decision

Customer Reviews

On websites, like TrustPilot, we discovered a handful of reviews from which more than half are positive. Satisfied customers praise the company for its funding time, swiftness, and being approved, even though they had bad credit, while a few have had concerns about the security of the data, which we mentioned in our review.

Also, we searched to find reviews of badcreditloans.com from customers, for example, on BBB. Aside from the fact that this company isn’t accredited, we didn’t find any reviews, good or bad. Though, we found four complaints in the last three years, from which two are already closed.

BadCreditLoans.com Alternatives

In case that you what to explore some other options to see if some other company has better terms for you, that’s okay. Below, we outlined three companies that might be what you’re looking for.



Win: fast approval

Lose: low loan amounts

Best for both individuals and business owners


You can read the full Upgrade review here.

Win: no negative impact on your score

Lose: higher APR

Best for quick funding

Guide to Lenders

You can read the full Guide to Lenders review here.

Win: quick lender matches

Lose: your data may be shared with third-parties

Best for emergency funds


You can read the full PersonalLoans.com review here.

Win: a large lender choice

Lose: numerous eligibility requirements

Best for unsecured loans

Wrap Up

Obtaining a loan can be hard but BadCreditLoans.com may be able to help. To further help you out, we gathered all the information you as an applicant should know.

The company is dedicated to helping borrowers look for a loan offer from their network of lenders. With BadCreditLoans.com, you can complete the online form in less than 5 minutes. The process is quick, convenient, and simple.


Can I refinance my personal loan?

You will need to contact the lender that offered you the loan to see if that is possible.

What can I use the personal loan for?

You can use your personal loan for a variety of purposes. These include: debt consolidation, auto purchase or repair, moving, medical, business expenses, vacations, paying taxes, paying for a large upcoming expense, covering emergencies or larger home renovations.

Can I get a personal loan online?

Yes. The process is completely online. Complete the online form to see if you qualify for a personal loan.

Is Bad Credit Loans legit?

Yes, Badcreditloans.com is a legitimate company. It has helped many people, and it will continue to do so. For more information, read our badcreditloans review and decide for yourself.

Is BadCreditLoans.com BBB accredited? What is its rating?

No. It is not accredited by BBB. The company still needs to get accreditation from BBB to build credibility.

Is badcreditloans.com safe?

Yes, it is safe. Remember that Badcreditloans.com is only a place where you can get in touch with lenders in their network. What’s also important to know is that you aren’t obligated to accept offers from their lenders.

Who is BadCreditLoans.com’s personal loan best for?

BadCreditLoans.com is designed for people looking for a convenient way to look for a loan. Just complete the simple online form to see if a lender in their network will offer you one.