As a free marketplace that will match the applicant to an affiliate lender for a loan, BadCreditLoans.com does not define the specifics of each loan, it is up to the lender. However, their lender network has a loan amount minimum of $500 and a maximum of $5,000, which make them ideal for relatively small emergencies or purchases. Loans through BadCreditLoans.com can be used for any purpose, but they require applicants to specify the type of credit they seek and the reason to pair him or her with the most appropriate lender. BadCreditLoans.com has a loan request form online that requires the following information: loan amount requested, credit score range, reason for the loan, full name, date of birth, military duty, email address, phone number, address, employment information, ID number, Social Security Number and bank account type. If you are approved for a loan from lender, there is no obligation to accept it.

For BadCreditLoans.com to connect you with its affiliate network of lenders, the applicant must be 18 years old, a U.S. citizen or legal resident, have a regular income, a checking account in his or her name, provide work and home telephone numbers, and a valid email address. Because it is a marketplace, and not a lender, loans' terms and conditions, such as if there are education requirements, debt to income ratio, credit insurance, if they pay creditors directly, disbursement time, among others, are determined by the lenders.

BadCreditLoans.com APR range offering is the industry standard. Please note the applicable APR and fees will vary among the affiliate network of lenders of BadCreditLoans.com.

BadCreditLoans.com has a limited online reputation, all of which is poor. The Better Business Bureau (BBB) gave BadCreditLoans.com a score of 'F' because it has 6 complaints filed, of which 5 have gone unanswered. One of the latter stands out as it refers to a gift card scam from a lender. The two reviews on the BBB are also negative. BadCreditLoans.com has a poor score on Trustpilot despite having 6 "excellent" and "great" reviews out of a total of 7. This may be due to that all positive reviews were made in 2014, while its only "bad" review was written more recently in 2018. With that in mind, we advise caution when using BadCreditLoans.com until they have built a better and stronger reputation.