Updated September 28, 2026 · BorrowCue Editorial Team
BadCreditLoans.com vs Lendela
BadCreditLoans.com vs Lendela: the differences
| Compare | BadCreditLoans.com ReviewVisitVisit |  Lendela |
|---|---|---|
| APR | 19.9% | up to 48% |
| Loan amount | $500 to $10,000 | SGD 1,000 to SGD 200,000 |
| Arrangement fee | $0 USD | SGD 0 |
| Credit check | Hard | None |
| Funding time | As fast as the next business day | Around 1-2 days from application to disbursement; some within hours |
| Representative example | Sample cash loan: $2,000 for 12 months at 19.9% representative APR, $183.63 monthly repayment, $2,203.56 total repayment | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Eligibility | U.S. residents; not available in all states; some network lenders offer loans to borrowers with all types of credit | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Business, Student, Car | Personal, Debt consolidation, Business, Secured, Student |
| Credit needed | Poor | Fair |
| Use cases | Not confirmed | Home improvement |
Same on both: Term (3 to 72 months), Lender type (Marketplace).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Lendela scores higher overall: 8.5 vs 8.4.
- Lendela is available in 1 more country.
- Support channels: only Lendela offers Help centre.
- Features: only Lendela offers Same day funding.
- Loan types: only BadCreditLoans.com offers Car.
- Loan types: only Lendela offers Debt consolidation, Secured.
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.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | BadCreditLoans.com | Lendela |
|---|---|---|
| Cost | 8.5Cost is the weak point: 19.9% on a personal loan, and terms reach 3 to 72. | Not confirmed |
| Offer | 8.6 | 8.9HigherFees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 8.1 | 8.2Higher |
From lowest to highest
| Fact | BadCreditLoans.com | Lendela |
|---|---|---|
| Term | 3 to 72 months | 3 to 72 months |
Where each is licensed and available
Additional countries for BadCreditLoans.com: 1. Additional countries for Lendela: 2.
How they place
| Ranking | BadCreditLoans.com | Lendela |
|---|---|---|
| Personal loans | 135 of 1932 | 74 of 1932 |
| Loans for bad credit | 76 of 275 | 42 of 275 |
| Lines of credit | 29 of 328 | 10 of 328 |
| Business loans | 25 of 435 | 10 of 435 |
| Private student loans | 13 of 167 | 6 of 167 |
Every fact side by side
| Fact | BadCreditLoans.com | Lendela |
|---|---|---|
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Great LLC | Lendela Pte. Ltd. |
| Headquarters | United States | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Phone | Email, Phone, Help centreCovers more |
Mortgages
| Fact | BadCreditLoans.com | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | BadCreditLoans.com | Lendela | Median |
|---|---|---|---|
| APR | 19.9%highest quarter | up to 48%highest quarter | 8.99% |
| Term | 3 to 72 monthsabove the median | 3 to 72 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%.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Country by country
| Country | BadCreditLoans.com | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | 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.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
Other options to compare
Other matchups
- BadCreditLoans.com vs Arab Islamic Bank
- Lendela vs Cathay United Bank
- BadCreditLoans.com vs Oney Préstamos ES
- Lendela vs Sofkredit
- BadCreditLoans.com vs Andacredito
- Lendela vs 5in5
- Lendela vs Multitude Bank p.l.c
- Lendela vs Qonto ES
- Lendela vs Fiesta Credito MX
- Lendela vs Solcredito
- Lendela vs Solcredito MX
- BadCreditLoans.com vs Creditio
- BadCreditLoans.com vs Alt Lending
- Lendela vs BriteCap Financial
- Lendela vs Commerzbank
- Lendela vs Kredivo
- Lendela vs Moneyveo UA
- Lendela vs TF Bank
- Lendela vs Postbank
- Lendela vs Consumers Credit Union
- Lendela vs Nazivnost
- Lendela vs Smartney
- Lendela vs MoneyHero
- BadCreditLoans.com vs LEND.ch
- Lendela vs CitiBank AE
- Lendela vs Borrowell
- BadCreditLoans.com vs Cool Credit
- BadCreditLoans.com vs Moneyveo VN