Updated September 29, 2026 · BorrowCue Editorial Team
BadCreditLoans.com vs Cool Credit
BadCreditLoans.com vs Cool Credit: the differences
| Compare | BadCreditLoans.com ReviewVisitVisit |  Cool Credit |
|---|---|---|
| APR | 19.9%Lower | 3,091% to 416,607% |
| Loan amount | $500 to $10,000 | CZK 1,000 to CZK 30,000 |
| Term | 3 to 72 months | 5 to 93 monthsHigher |
| Arrangement fee | $0 USD | Loan provision fee 375 CZK on 1,000 CZK for 30 days; 6,750 CZK on 9,000 CZK for 93 days |
| Funding time | As fast as the next business day | Within 10 minutes of loan approval |
| Representative example | Sample cash loan: $2,000 for 12 months at 19.9% representative APR, $183.63 monthly repayment, $2,203.56 total repayment | 1,000 CZK for 30 days, fixed 0% rate, loan provision fee 375 CZK, RPSN 4,716%, total repayable 1,375 CZK |
| Lender type | Marketplace | Direct lender |
| Eligibility | U.S. residents; not available in all states; some network lenders offer loans to borrowers with all types of credit | Individuals aged 18+ with permanent or temporary residence in the Czech Republic, own Czech bank account, mobile phone and email |
| Loan types | Personal, Business, Student, Car | Personal, Payday, Car, Student, BusinessCovers more |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- Cool Credit scores higher overall: 8.8 vs 8.4.
- APR is lower at BadCreditLoans.com: 19.9% vs 3,091% to 416,607%.
- Term is higher at Cool Credit: 5 to 93 months vs 3 to 72 months.
- Support channels: only Cool Credit offers Chat, Help centre.
- Features: only BadCreditLoans.com offers Credit line.
- Features: only Cool Credit offers Same day funding.
- Loan types: only Cool Credit offers Payday.
Our verdict on each
BadCreditLoans.com
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.
Cool Credit
Cool Credit suits Czech residents who need a small fixed-rate loan released quickly, and offers personal, payday, car, student and business lending under one licence.
Score breakdown
| Area | BadCreditLoans.com | Cool Credit |
|---|---|---|
| Cost | 8.5Cost is the weak point: 19.9% on a personal loan, and terms reach 3 to 72. | 8.6Higher |
| Offer | 8.6 | 8.9HigherFixed rates on CZK 1,000 to CZK 30,000 for 5 to 93, same-day funding Within 10 minutes of loan approval. |
| Trust | 8.1 | 8.9Higher |
Availability and regulation
| Country | BadCreditLoans.com | Cool Credit |
|---|---|---|
| Czechia | Not confirmed |
Additional countries for BadCreditLoans.com: 1. Additional countries for Cool Credit: 1.
Which one suits you
Pick BadCreditLoans.com if apr matter most.
Pick Cool Credit if offer, trust, term, and loan types matter most.
Also worth a look
Sofkredit has apr at 10.74% to 18.06%, against 19.9% for BadCreditLoans.com and 3,091% to 416,607% for Cool Credit.
Sofkredit reviewSources behind this comparison
BadCreditLoans.com
- badcreditloans.com: 15 facts, checked September 26, 2026
Cool Credit
- coolcredit.cz: 18 facts, checked September 26, 2026
How they place
| Ranking | BadCreditLoans.com | Cool Credit |
|---|---|---|
| Personal loans | 135 of 1932 | 123 of 1932 |
| Car loans | 36 of 431 | 33 of 431 |
| Business loans | 25 of 435 | 21 of 435 |
| Private student loans | 13 of 167 | 11 of 167 |
Every fact side by side
| Fact | BadCreditLoans.com | Cool Credit |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Great LLC | COOL CREDIT, s.r.o. (IČ 02112621) |
| Headquarters | United States | Czechia |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Phone | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | BadCreditLoans.com | Cool Credit | Median |
|---|---|---|---|
| APR | 19.9%highest quarter | 3,091% to 416,607%highest quarter | 8.99% |
| Term | 3 to 72 monthsabove the median | 5 to 93 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
BadCreditLoans.com
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.
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%.
Cool Credit
Pros
- Funds arrive Within 10 minutes of loan approval, which is quick for a direct lender
- A direct lender, not a broker, so you deal with the entity that makes the decision
- Free early repayment, so settling early costs nothing extra
Cons
- An APR of 3,091% to 416,607% makes anything beyond a short bridge very expensive
- A hard credit check, which is the market's most common type of check and leaves a mark on the file
- A loan provision fee is charged on top of the interest rate, so the example total is far above the amount borrowed
Who each suits
BadCreditLoans.com
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.
Cool Credit
Who it suits
- Czech residents with permanent or temporary residence in the country and a Czech bank account
- Adults with a mobile phone and email, which every applicant needs here
- Borrowers covering a short gap who can clear the balance within the term
Who should look elsewhere
- Anyone planning a long repayment, because the term runs 5 to 93 and the APR is high
- Monzo Flex, if you want a longer fixed-rate loan at a rate that stays sane for years
- Cashspace ES, where the listed APR is far lower, though it sits in a different market
Current offers
Cool Credit
Current offer
Discount code
20% discount for the loan for Slovaks: 20% off with discount code SLOV
Applies to the loan for Slovaks without permanent residence in the Czech Republic
Source, checked September 26, 2026
Country by country
| Country | BadCreditLoans.com | Cool Credit |
|---|---|---|
| Czechia | No | Yes |
| United States | Yes | No |
Questions about each
BadCreditLoans.com
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.
Cool Credit
What rate will I pay on a Cool Credit loan?+
The advertised APR runs 3,091% to 416,607%, which spans a very wide band. The published example pairs a low fixed rate with a loan provision fee, so the headline rate understates what you repay. Always read the example against the fee rather than the rate alone.
What does Cool Credit charge to arrange a loan?+
A loan provision fee is added to the amount borrowed. The published figures show a fee on a small loan over a short period and a larger fee on a bigger loan over a longer one, so the charge scales with how much you take and how long you keep it.
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