3.0 Review

Apply for a loan up to $10,000 even if you have bad credit with this reputable online broker. 

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What is is an online marketplace for loans where you can complete one application and receive loan offers from multiple lenders. With their network of 100+ lending partners they have an option for all credit scores and offer loans up to $10,000. They offer different types of loans, including personal, business, mortgage, home, auto, and student loans. 

If you’re looking for fast cash that can help you with an emergency or an unexpected expense, the online lending marketplace is a good place to start. However, just like other lending institutions and financial solutions, using also has both pros and cons that you should be aware of.

Table of Contents
    • No minimum credit score
    • Free to use
    • Fast funding within one business day
    • Multiple loan offers from competing lenders
    • Very accessible
    • Small loan amounts
    • High-interest rates
    • Short repayment terms
    • Phone calls from lendings

    How does Badcreditloans work?

    As a lending marketplace, Badcreditloans does not lend any more directly to you but rather match you with a lender that is likely to approve you for a loan based on your application. Once you complete the loan application their algorithm will send your information to their network of lending partners. Some of those lenders will choose to approve you for a loan and will make you a loan offer. advises all its users to review all offers they receive responsibly and be wary of the risks that come with loans.

    Once you accept a loan offer, you’ll be given a contract to review and sign. This will confirm your acceptance of the loan offer and will stand as proof of the agreement between you and the lender. After this process, you’ll receive the money in your bank account via direct deposit. The time it takes for the money to reach your bank differs for every lender. In some cases, you’ll receive the money in as fast as one business day. Features

    • No application fees
    • 100+ lenders in their network
    • Funding within one business day

    Does Badcreditloans check credit?

    Badcreditloans doesn’t require a minimum credit score and doesn’t perform hard credit checks. However, your credit score will affect the amount of your loan and the terms of your loan. 

    What makes them stand out

    • No minimum credit score – even with bad credit scores, you’ll get approved for a loan as long as you meet their requirements. 
    • No collateral needed to take out a loan – you can receive loans of up to $10,000 without collateral.
    • Online application – the entire loan process takes place on their website. There’s no need to visit storefront locations. 
    • Fast funding – funding may take as little as one business day. After the approval of your loan, you can expect your money to be in your checking account within a day or so. 
    • Free to apply – there’s no cost to apply for a loan.

    Why you’ll want to look elsewhere

    • High-interest rates – if you have good or excellent credit you find better options with lenders like SoFi or at your local bank.
    • Low loan amounts – the max loan you can be approved for is $10,000 but if you have bad credit you likely won’t be offered a loan for more than $1,000.

    Badcreditloans requirements

    Here’s a list of loan requirements that you should meet to be eligible for loans on

    • Residency: US resident
    • Age: Must be at least 18 years old.
    • Identification: Driver’s license/Proof of identity
    • Income: You should have a regular income from full-time or self-employment or disability/social security benefits.
    • Bank account: Must have an active checking account under your name
    • Contact number: You should have a working phone number

    Is Badcreditloans legit?

    Yes, Badcreditloans is legit. They have an average Trustpilot rating of 2.7/5 stars from a total of 13 customer feedback. Some customers have given them a positive 5-star rating for their customer support and their fast funding. However, the majority were negative referencing their collection of sensitive information, such as bank details.

    The company doesn’t have a BBB rating. It also isn’t talked about on online forums like Quora or has any existing Reddit reviews.

    How to apply for a loan online with

    Here are the steps you need to take to apply for a loan online:

    • Go to website and apply 100% online
    • Choose how much you want to borrow
    • Enter your personal information including your address, SSN and date of birth
    • Wait for the completion of the review process. You can get approved on the spot or within 10 minutes 

    Sites Like

    • Creditninja best known for its payday loans, CreditNinja is the go-to loan solution for people with bad credit. They offer up to $5,000, but APR can be high with minimum rates of 199%, excluding origination fees.
    • Speedy Cashif you’re in an emergency and have poor credit, Speedy Cash is a legit option. Watch out for their high fees and APRs up to 680%.
    • 5kFunds 5KFunds is a US-based online lending marketplace that’s been around for 8 years. Unlike the other alternatives mentioned in this article, this lending company offers loans of up to $35,000. Their payment terms span 2-72 months.

    Wrapping up is an online lending marketplace that you can use to find the best lender for you. It has helped thousands of people get fast cash in times of emergencies and tough financial situations.

    Remember that it is only a middleman that helps connect you with available lenders. This means that you should still look at offers closely for unfair terms and watch out for scams. 

    Frequently asked questions

    What type of credit loans does offer?

    On, you can apply for different types of loans, including personal loans, short-term loans, payday loans, mortgage loans, home loans, auto loans, and business loans.

    Is a good company? is a legit online lending marketplace. However, you should be aware of scams and abusive terms you might encounter from lenders on the platform. 

    Is a safe site?

    Yes, is a safe site according to Google’s Safe Browsing technology.

    Loans: $500-$10,000

    APR: 5.99-35.99% 

    Credit score: No minimum credit score

    Application simplicity
    User experience
    Customer Service
    3.0 Overall Rating

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