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  • Varying repayment periods allowed
  • No obligation to accept a lender offer
  • Easy to use application form
Short Term Loans VIEW BEST RATED

With, you’ll get matched with a lender to suit you – even if your credit rating is poor.

By Editorial Team | 21st December 2018 helps those who are searching online for loans, connecting people with lenders who offer instant approval loans. They have an extensive network consisting of lenders who have either tribal or state licenses. They provide a service which can help you to get a lender who is ready to work on ‘no credit history needed’ terms.

What is involved in the application process?

You need to follow three steps in the application:

  • Fill out the form for requesting the short-term loan.
  • Lenders will review your request and offer credit.
  • Review the terms of the loan online and then accept them. BadCreditLoans offer their services free of charge.

BadCreditLoans offers a service process to help you get matched with a lender from a group who can meet your financial requirements. The lender will immediately start the verification and reviewing of your credentials for the loan.

The lender may offer you a loan which depends on the information you shared. Since you are not obliged to accept any offer you should review all the terms of the loan thoroughly.

Keeping in mind that you are not obliged to accept the terms set by the lender, you can then put your e-signature on the contract signifying that you accept the terms.

When you put your e-signature on the contract, the lender will directly deposit the funds to your bank. Though the time taken for the deposit of funds depends, usually you have the money by the next working day. 

How much can be borrowed and how long is there to repay?

The amount of loan can vary from 500 to 5000 dollars. The period in which to repay the loan may vary from three to thirty-six months. You can repay the loan in instalments as per the schedule provided by the lender instead of having to repay it in one go. 

Even if you have a bad credit rating, this will not stop the lenders from giving you a loan or asking for any collateral. The only security they need is that you have a checking account and a regular income for a quick payout.

BadCreditLoans only connects borrowers to lenders and financial institutions and does not lend any money to anyone. Hence it does not have the authority to set the terms and conditions or the rates of interest for the loans.

How often do repayments need to be made?

The lender will have to abide by the laws and regulations prevailing in the state where it is offering the loan when deciding on the frequency with which the loan needs repaying.

What are the eligibility requirements?

BadCreditLoans does not ask for an excellent credit rating for eligibility. Customers are considered for a loan even if their credit rating is very low. But they may not get loans above 1000 dollars.

These requirements are mandatory:

  • You must be at least 18 years of age.
  • You must provide proof that you are a citizen of the U.S, such as a Social Security Number or proof of residence.
  • You should have a monthly income or be receiving disability benefits or benefits from the Social Security service.
  • You should have an account from which you can issue checks.
  • You must provide the telephone numbers of your office and your home.
  • You should have a valid e-mail address. 
What is the representative rate and what is the total amount payable? Is there an early repayment charge?

BadCreditLoans charge no fees for forwarding your loan application to the lenders. They only scan their resources with the help of the information you give and connect you with a lender who is reliable. They will help you to get the approval for the loan as quickly as possible.

The job of BadCreditLoans is to connect you to a lender associated with it on the network only and not to provide you with any money.


Short term loans should only be considered when everything else has failed. That being said, BadCreditLoans will always try to get you the best offer with no hidden fees. They assist you in finding a lender who will provide you with what you need quickly.

An online application can save you a lot of trouble. Accept only those loans that you can repay easily and try to pay them back without defaulting on the payment. It is all right if you do not want to go ahead with accepting the loan at this moment. You are always free to put in your request for a loan in the future.

Reviewed by
Editorial Team
Our Editorial Team is constantly watching for new and exciting services to report on. They aim to bring balanced, honest reviews to the site to give you the best comparisons and ensure you have the knowledge to choose the product right for you. Read more.
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