3 Easy Steps
1. Complete the Short Loan Request Form
2. Our Network of Lenders Reviews Your Request – You Can Get a Loan Offer
3. If Approved, Review and Accept Your Loan – All Conveniently Online

Remember, our service is free and you’re not obligated to accept any loan offer.

Eligibility:
You do not need to have a perfect credit score to be eligible for a bad credit loan. Customers with poor credit may still qualify for a loan; however, our lenders do not typically provide loans over $1,000 to bad-credit individuals.

Requirements:

• 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 Process:

1. Our loan request process is designed to connect you with the lender from our network who can assist with your financial needs. If successfully connected, our lender network will verify your information quickly and review your loan request.
2. 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!
3. When you decide to accept your loan, just agree to the lender’s terms via e-signature. (Remember, you are under no obligation to accept any loan offered.)
4. Once you add your electronic signature to the lender’s contract, they will distribute the loan funds to your checking account via direct deposit. All funds should be available as soon as the next business day, however, the exact availability timeframe will depend on the your lender’s deposit process.

Repayment:
The lender will present you with the repayment schedule and you will be able to repay your installment loan off over time rather than all at once.

That’s all there is to it! Our lenders require no collateral, and you will not be denied a loan solely based on a poor credit history. Your steady income and checking account is the only security 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.

Loan Amounts $500 to $5000
Repayment terms 3 to 36 months

Example of Representative APR
1. Borrowing $2000 over a 12 month period will cost you around $235 a month with a total cost of credit of $2400
2. Borrowing $4000 over a 24 month period will cost you $270 a month with a total cost of credit of $5615

Emergencies, like a bolt of lightning, can strike with little to no real warning. It’s difficult to prepare for situations you cannot foresee coming, especially when finances may already be tight. In the past, gaining access to loan funds required a pile of paperwork and a stellar credit history. Bad credit personal loans, however, can now be obtained quickly and without any credit score requirements. These loans are an ideal solution for solving a pressing financial crises.

We Are Ready to Give You a Helping Hand
We understand that bad credit often cannot be avoided. Some months, there may not be enough money for every bill, so some debts payments are delayed, which adversely affects your credit score. Few people have been untouched by either an employment issue or a personal issue that does not impact their ability to pay their bills. Over time, the little delays can add up, and may not allow some to qualify for the loans they need to get by.

Your bad credit need not prevent you from getting the loan you need. We are one of the country’s premier services for people who need bad credit personal loans, and we are committed to remaining at the top. We intend to reach that goal by connecting consumers in need with loans that are easy to acquire and by funding those loans quickly.

No Collateral? No Problem!
There is no need to worry about collateral when submitting a loan request. We will not ask for the title to your car or any other form of security. You can maintain possession of your property and still obtain the loan you need.

Staying Responsible With Your Finances Now Will Help Them in the Future
It is important to remember that, just because a bad credit personal loan may be easy to obtain, it is not meant to be used for anything other than emergencies. Bad credit personal loans are not the best way to get money for something less important, like a new TV.

Here are a few situations where getting a personal loan would be optimal

• You may need to pay an unexpected bill.
• The family car may need immediate repairs.
• An electric or water bill, if left unpaid, that could result in a disconnection of service.

Whatever your emergency, we can connect you with loans to help you make it through your current financial crisis.

National Network of Lenders Works with Bad Credit
We understand that you have choices when it comes to personal loans. We work with a national network of lenders that works with bad credit.

Get Your Approved Loan as Fast as the Next Business Day
When you need a loan you certainly do not want to wait weeks for the money. Using our electronic loan request service, loan funding can be accomplished within 24 hours under certain circumstances. The loan request is simple and straightforward. There are no surprises. Our online loan request can usually be completed in less than five minutes. It only takes a few more minutes for your loan request to be processed and approved.

When you need a fast and simple loan, consider all that we have to offer:

• Loan pre-approval regardless of your credit score
• Loan pre-approval without any collateral requirement
• Easy loan request form.
• Online processing
• Nearly instant approval
• Rapid disbursement

For your emergency financial needs, there really is no better option. We understand that good people sometimes have bad credit. We will work hard to make your loan experience an ideal one. You need assistance now, and we offer the fastest service you can find.