Bad credit finance loans

At Bad Credit Loans, we understand that there are emergencies no one can plan for, and we aren’t limited to helping only consumers with perfect credit. Sometimes a run of bad luck comes up through no fault of your own. However, as long as you’re working, we have the resources to lend you a helping hand no matter if your credit is good or bad. We want to help inform you on making responsible lending decisions and then connect you to available lenders and financial service providers if you feel a bad credit loan would be right for you.

Bad Credit Loans Can Help

We know that it’s the people who are struggling that really need the personal loans, not those with the spotless credit histories who are paying all their bills on time. A perfect spending history simply isn’t possible for many American households, especially in times like these. No matter how well you’ve planned your budget and spending strategies, they can still be thrown off by one unexpected car repair or other emergency when already living paycheck to paycheck.

An installment loan can get you to your next paycheck when there are no other solutions.

Fast, Convenient Loan Requests

Our online system makes it simple to submit a request for a loan. Just fill out our fast and convenient online loan request and you can get a personal loan offer in minutes from our network of lenders and financial service providers. Your approved loan can be deposited electronically into your checking account in as fast as one business day.

There’s no waiting for approvals or checks in the mail. And remember, our network of lenders and financial service providers works with people with good and bad credit.

Full Disclosure

With the personal loans our lenders and financial service providers offer, you will always know exactly what to expect before you are under any obligation to actually take out the loan. All the lenders and financial service providers in our network strictly follow the Truth in Lending Act, which means that you’ll receive documentation of every last detail of your loan beforehand. You’ll be able to see all applicable interest rates, possible fees, and all other information on your loan, allowing you to make an informed, responsible borrowing decision without any pressure.

Simple Qualifications

Submitting a request for bad credit loans is very straightforward. We require that you’re a legal citizen and an adult (age 18 or older). You’ll need to provide some other basic information for the transaction to take place, such as a valid email address, working phone number, and the bank account where you’d like the money transferred. Please note that meeting these requirements does not mean that you will be connected with a lender.

Combining a fast online form and loan process with an equally fast delivery system makes requesting a bad credit loan uncomplicated.

More Than Just a Loan

While we try to connect everyone with the personal loans they want, we are especially concerned with keeping consumers requesting only the loans they need. We offer a variety of free, expertly written articles explaining every part of the loan process. You can also find articles replete with:

  • Tips on when to take out a loan
  • How to spend the funds responsibly
  • How to budget your future income in order to pay off a loan quickly

The Cost of Not Getting a Loan

Financial emergencies can strike without any warning: the car could break down, a bill may have gone unnoticed and unpaid for too long, but really, dwelling on the possibilities could last a long time. and isn’t fixing anything.

At Bad Credit Loans, we are more interested in helping you create solutions. Hoping that an emergency will just “go away” if you ignore it tends to only make things worse via late fees and other penalties. Staying pro-active keeps you informed and in control. A quick influx of much-needed funds, when used responsibly, can be exactly what you need to keep bills from getting out of hand.
Unfortunately, no matter how hardworking you are, it doesn’t protect you in an emergency. Most lenders won’t approve those who are struggling to make ends meet, but at Bad Credit Loans, that’s exactly why we offer our services: We connect you with lenders and financial service providers that are ready to help.
In today’s world, it’s become all too easy to get trapped by finances. Bad Credit Loans gives you a way out by connecting you to the assistance you need to help weather a financial emergency and get back on track quickly and responsibly.

APR – Representative Range Explanation

Bad Credit Loans isn’t a lender and doesn’t provide unsecured loans, but it refers consumers to lenders and financial service providers who may provide such loans. A personal loan from a lender or financial service provider in our network often ranges between 5.99% and 35.99%, although APRs vary according to the information that is supplied by you in your loan request. Your lender will provide you with the APR, loan fees and other terms when you are redirected to your loan agreement during the loan request process. For help with any Bad Credit Loans–related services, feel free to contact us.

The APR on a personal loan from our network of lenders and financial service providers often ranges from 5.99% to 35.99% percent depending on exactly how it is calculated by your lender or financial service provider, the duration of the loan, any loan fees incurred, late payment penalties, nonpayment fees, loan renewal actions and various other factors. Please keep in mind that the APR range and your finance charge are not one and the same. The latter will be disclosed later on in the loan request process.

Important Implications to Consider

We would like to remind you that Bad Credit Loans is not a lender, and it doesn’t charge users any fees for its services. Every lender and financial service provider in the Bad Credit Loans affiliate network provides consumers with specific terms, conditions and practices prior to their acceptance of offered loans. Bad Credit Loans strongly recommends that you carefully review the terms and conditions of any loan offer that you receive. For further details about the aforementioned considerations, please see our Rates & Fees and Policy on Responsible LendingWeb pages.