BadCreditLoans.com review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BadCreditLoans.com is a US matching service aimed at borrowers with poor credit who need a small loan quickly, at 19.9% and an origination fee of $0 USD. It suits applicants a prime lender would turn down, and suits them less well where a cheaper rate matters more than the speed of funding.

Key facts

Best for
A quick small loan for a US borrower with poor credit.
APR
19.9% (Source, checked September 26, 2026)
Loan amount
$500 to $10,000 (Source, checked September 26, 2026)
Term
3 to 72 months (Source, checked September 26, 2026)
Arrangement fee
$0 USD (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
As fast as the next business day (Source, checked September 26, 2026)
Representative example
Sample cash loan: $2,000 for 12 months at 19.9% representative APR, $183.63 monthly repayment, $2,203.56 total repayment (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
U.S. residents; not available in all states; some network lenders offer loans to borrowers with all types of credit (Source, checked September 26, 2026)
Loan types
Personal, Business, Student, Car (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Great LLC (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Features
Credit line
Official website
badcreditloans.com

Pros and cons

Pros

  • An origination fee of $0 USD, so nothing is taken for setting the loan up.
  • Speed: As fast as the next business day.
  • Built for the poor credit band (poor), with some lenders in the network lending to any type of credit.
  • Loans of $500 to $10,000 over terms of 3 to 72, covering personal, business, student and car lending (personal, business and student).

Cons

  • A hard credit check sits behind every application (hard), so a rejection can be recorded on the file.
  • Support runs on email and phone only, with no live chat or help centre listed.
  • The rate of 19.9% is steep next to Monzo Flex, where rates run 10% to 23%.

Ready to try BadCreditLoans.com?

Scored 8.4 / 10 by BorrowCue.

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Who it suits

  • US residents with poor credit who need a small amount quickly and can live with 19.9%.
  • Borrowers after a car, student or business loan as well as a personal one, since personal, business and student are all in the mix.
  • Anyone who wants a fee-free arrangement, with an origination fee of $0 USD.

Who should look elsewhere

  • Monzo Flex, for borrowers whose credit file carries them into a cheaper band, since rates there run 10% to 23%.
  • Cashspace ES, for anyone who would rather pay 0% than 19.9%.
  • Cashspace, for readers outside the US, since this service is limited to US residents.

How it compares on our data

Loan amount places it 427 of 685 brands across the wider data set, so the size of the money sits below the middle of the field. APR lands at 249 of 350, which puts the cost above the middle. Neither figure describes this one marketplace on its own.

The company behind it

The site is operated by Great LLC, with its headquarters in the United States. Support runs on email and phone, so a borrower can reach the team by email or by phone. Knowing which legal entity stands behind the service also tells a US borrower where a complaint would be directed.

How BadCreditLoans.com compares

Where BadCreditLoans.com is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do borrowers pay?+

The headline rate is 19.9%, and this is a matching service rather than one lender, so the rate offered depends on which network lender approves. Terms run 3 to 72 and loan sizes run $500 to $10,000.

Is there an origination fee to pay?+

There is no origination fee: $0 USD is charged for setting the loan up or for passing an application to a network lender. A hard credit check (hard) is the cost of looking instead, and a declined application can still be recorded by the lender that ran it.

How much can be borrowed, and over what term?+

Loan amounts run $500 to $10,000 and terms run 3 to 72, which fits a specific expense rather than a long re-financing. Personal, business, student and car loans are covered (personal, business and student), and a credit line is listed as a feature (credit line).

What credit check is used?+

The check is a hard credit check (hard), so an application is recorded whether it succeeds or not. The service is built for the poor credit band (poor), and some lenders in the network lend to any type of credit.

How quickly can funds arrive?+

Funding speed: As fast as the next business day. The timing comes from the network lender that approves, not from the operator, so a complete application is what moves a request forward. Nothing published promises same day money for every borrower.

Who actually lends the money?+

BadCreditLoans.com is a marketplace operated by Great LLC, so the contract sits with a network lender rather than with the site. The rate, any fee and the repayment terms are set by that lender, which is worth checking before an application is sent.

Who can apply?+

The service is built around the poor credit band (poor) and is aimed at US residents, though availability varies by state. Some lenders in the network lend to borrowers with any type of credit, so a low score is not always the end of the road.

How can support be reached?+

Support runs on email and phone, so email and phone are the channels to use, with no live chat or help centre listed. Questions on a specific offer belong with the network lender, since the site passes the application on rather than setting the terms itself.

Sources

  • badcreditloans.com checked September 26, 2026

    Backs: Loan amount, APR, Headquarters, Representative example, Support channels, Term

    “See if you qualify for a loan between $500 to $10,000”

  • badcreditloans.com/about-us checked September 26, 2026

    Backs: Credit needed, Features

    “some lenders in our network may offer loans to borrowers with all types of credit”

  • badcreditloans.com/disclosure checked September 26, 2026

    Backs: Lender type

    “our proprietary loan marketplace processes this information to determine which lenders in our network have expressed interest in offering a loan”

  • badcreditloans.com/personal-loans checked September 26, 2026

    Backs: Funding time, Loan types

    “loan funding can be accomplished as fast as the next business day under certain circumstances”

  • badcreditloans.com/rates-fees checked September 26, 2026

    Backs: Credit check, Eligibility, Legal entity, Arrangement fee

    “Lenders and third party providers may perform a credit check with one or more credit agencies”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

BadCreditLoans.com

A quick small loan for a US borrower with poor credit.

8.4/10Visit

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