In-Depth Analysis Review 2024

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Written By
Julija A.
October 07, 2023
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

If you need a small personal loan despite a poor credit score, you have come to the right place. is a lending marketplace that matches individuals with imperfect credit history with accommodating online lenders.

According to reviews from customers, this platform’s dedicated and responsible lenders could have just the bad-credit loan you need for fast funding to deal with a financial emergency. Not only is this type of loan offer better than a payday loan, but it actually gives you a chance to improve your credit rating.

This doesn’t mean that can find a willing lender for everyone. Read our review to find out about this platform’s requirements for bad-credit loans, the application process, loan fees, and more.

Loan amounts:
$500 – $10,000

APR range 5.99% – 35.99%

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

$500 – $10,000
5.99% – 35.99%
3 months – 3 years
1 business day
F (not accredited)
US citizens
pros thumb up Strengths
  • Personal loans for individuals with bad or no credit
  • No collateral required
  • No application fees (expect origination fees)
  • Competitive APR
  • Simple online form for applying
  • No credit check
  • Quick funding after approval
  • Offers additional financial services (business loans, student loans, car loans, etc.)
pros thumb up Weaknesses
  • Not a direct lender
  • You can’t borrow more than $1,000 with a poor credit score (below 500)
  • No BBB accreditation Overview

badcreditloans offer

Owned and operated by Chief LLC, is an online loan marketplace that serves borrowers seeking personal loans of $5,000 or less. is not a direct lender. It provides loan-comparison services by connecting prospective borrowers with its network of lenders across the US.

As its name suggests, this Nevada-based company specializes in helping borrowers with poor credit get personal loans. The company accepts applications from borrowers with credit scores of 500 or even lower, matching each potential borrower with several lenders and their bad-credit loan offers. If you find that you don’t qualify for a personal loan, will help you find alternative solutions to your financial needs. customer testimonials show that this online marketplace has assisted hundreds of clients. It is a good solution for those who need emergency funds to cover debts and unexpected costs but do not qualify for traditional bank loans, or even secured loans, due to their terrible credit.

Instead of filling one loan request form after another with banks that won’t even consider your loan request, you can complete a application and allow the company to connect you with a lender directly.

Not only are services fast and efficient, but they are also entirely free. All you need to do is complete the online form on the website, adding your personal and financial information, as well as what type of loan offers you’re after. won’t charge you a dime. You can quit the application process at any time without a penalty.

In addition to personal bad credit loans from subprime lenders, provides comprehensive comparison shopping services for a few loan companies at a time. Borrowers can use the website to shop for personal and installment loans, mortgage loans, car loans, credit card loans, student loans, and more.

Borrowers who seek business loans will be happy to learn that the network includes lenders offering financial support for startups and small companies.

How does compare to other loan services? Logo
APR range

5.99% – 35.99%

Min. credit score

None Logo
APR range

5.99% – 35.99%

Min. credit score


Guide to Lenders Logo
Guide to Lenders
APR range

3.99% – 35.99%

Min. credit score


Types of Personal Loans Available

As its name suggests, offers several kinds of bad-credit loans, and it’s widely known as the best company for personal loans for poor-credit borrowers. Whether you are looking for a loan to pay for car repair, debt consolidation, or medical expenses, will find you a direct lender.

This online loan marketplace is designed to help borrowers obtain small unsecured bad credit loans with terms ranging from 90 days to 72 months, with no possibility of a loan repayment extension. Unsecured loans don’t need the borrower to provide any collateral, as opposed to, say, house loans, where your home represents collateral for the mortgage lender

The loan amount can range from $500 to $5,000 or perhaps $10,000 – as the platform’s lender network changes, so do the amounts. However, although this service is intended to help locate real loans for people with bad credit, clients with a credit score lower than 500 will find their maximum loan amount is $1,000.

If you are planning to apply at, make sure that:

  • You are at least 18 years old
  • You are a US citizen
  • You have a source of regular income
  • You have a bank account
  • You have a valid email address Application Process

It takes less than five minutes to fill out the application online. Once you’ve decided on the loan amount you need, the company will locate several lenders willing to offer you bad-credit loans and email you their proposals, with the potential loan terms included. 

The process starts when you visit and find the loan request page. On the first page of the questionnaire, you specify why you need the funds, the loan amount, and your credit rating. If you don’t know your credit score, you can choose “not sure” on the dropdown menu, or request insight into your credit history from one of the credit-reference companies first, and then start the application process again once you have it.

The rest of the form collects your personal information: name, address, phone number, current employment information, monthly salary, etc. is a legitimate platform, so it’s safe to provide this information. You’ll also need to provide details about your bank account, Social Security number, driver’s license number, and so on.

Once you complete the questionnaire, a representative will review your loan request. After completing the review process, will send your request to the best personal loan companies that match your credit score (if you provided it).

The next step is to wait for lenders’ offers and thoroughly review them before choosing one. You are free to choose none of the recommendations. Once you’ve found an offer you like among the bad-credit loans, you can use e-consent to sign the loan papers. Don’t forget to read the terms and conditions first, as loan creditors often hide the least favorable details of their offers in the fine print. website says you can expect to receive funds within one business day. However, the processing time entirely depends on the lender, and it could take longer. That doesn’t have anything to do with Rundown

Financial calamities strike everyone. The pandemic shuts down your employer, plunging you suddenly into unemployment. An illness or injury keeps you from working as medical bills pile up. The car you rely on breaks down. Fate doesn’t check your savings account balance or your credit history before misfortune comes calling.

That’s why the bad-credit loans this company can find for you are valuable: won’t turn you away if your credit report has a few blemishes, or even if you have really poor credit.

It has an extensive network of lenders, so you’ll receive multiple offers to consider, even if most banks would turn you away because of your credit history.

In an emergency, a loan could be just what you need to recover your financial equilibrium. goes above and beyond expectations in several ways. Borrowers who have used the company’s services give its customer-service agents top marks, for example, writing reviews that praise their courtesy and knowledge.

We confirmed the quality of service on the phone and via email. We found the company’s agents friendly and capable, willing to answer all our questions.

Another excellent service is the Scam Alert page. It is loaded with articles about fraud related to online loans, especially bad-credit loans found elsewhere. You can learn how to recognize a scam and how to avoid different types of loan-related fraud, saving yourself thousands of dollars in unfair credit repayments.

Personal Loan Amounts and APR

Borrowers looking for affordable personal loans ranging from $500 to $5,000 (or $10,000), with a term of 90 days to 72 months, will find this platform most valuable. After all, when it comes to bad-credit loans, legit funding sources are scarce, so it’s helpful to have a company such as this to distribute your loan application to its large network of reputable lenders.

If you decide to borrow, you’ll fill out a longer application with one of the lenders. The agreement will specify fees, the term of the loan, monthly payments, the percentage rate, and the effective APR. says its lenders’ loans have APRs ranging from 5.99% to 35.99%.

This company specializes in securing real loans for bad-credit borrowers, but it can’t work miracles. If your credit score is lower than 500 and you’re looking for bad-credit loans, offers are unlikely to surpass $1,000. Like other lenders,’s candidates demand higher interest rates from borrowers with poor credit scores, even if they manage to qualify for a loan.

If the monthly payments or the total amount to be repaid are too high, we recommend you explore other bad-credit financing options or take steps to improve your credit score before borrowing.

Eligibility and Credit Score Requirements

To qualify for bad-credit loans from this aggregator’s lenders, you must be a US citizen, at least 18 years old, have a steady income source, and provide information about your bank account. loans are intended to help borrowers facing financial emergencies. The company says the reasons for getting a personal loan include:

  • Repaying debts
  • Refinancing credit card debt
  • Making vehicle repairs or payments
  • Paying unexpected medical bills
  • Covering costs related to relocation
  • Paying taxes

Of course, you can always use a loan to take a nice trip or buy fancy clothes. But borrowers with poor credit should avoid these types of luxuries, since they lead to high monthly repayments. 

Repayment Terms

Since the platform is a matchmaking service, not a lender, there are no repayment terms. The platform collaborates with a network of lenders, and your chosen lender will define payment terms. In general, lenders expect loans to be paid off in 90 days to 72 months.

Most lenders charge origination fees of 1% or more, plus separate closing fees. Don’t accept a loan agreement before reading it carefully and ensuring you understand these additional expenses.

You’re also likely to be charged a penalty if you make late payments or skip payments. Reviews of on the BBB website show that these penalties can be high – and that borrowers don’t like them. This is between you and the lender, however. doesn’t have anything with lender repayment policies. Reviews

Although this site offers bad-credit loans without many constraints, it’s not as reputable as it could be. For one, it’s not BBB-accredited, and its rating on this platform is B-

Trustpilot reviews from customers are divided, resulting in a 2.7/5 score, albeit from only 13 reviews. Some of the customers praise the service for finding them a bad-credit funding solution in their time of need, but others were dissatisfied with how many sensitive details the service gathers without a loan guarantee.

Bottom Line helps poor-credit loan applicants get small personal loans quickly. Its 10-minute application process makes applying for funds painless.

It won’t require you to submit your credit report, but after receiving your application, conducts a “soft” inquiry at one or more credit reporting agencies to verify your credit rating. Also, before issuing you bad-credit loans, lenders will likely make a “hard” inquiry at  Experian, Equifax or TransUnion.

All in all, this lender aggregator offers favorable personal bad-credit loan solutions for some customers. Small personal loans are tempting for anyone struggling with sticking to a budget. If used properly, a personal loan can be a smart decision, or it can just land you deeper in debt. If you are in financial trouble and you can’t raise the funds you need, this could be the perfect place for you.


Is safe?


Yes, is a marketplace for borrowing money. The company matches prospective borrowers with online lenders to help them find affordable loans. It is one of the leading lender networks for individuals with low credit scores who seek small personal loans.

Which loan company is best for bad credit?


Many lenders offer their services to borrowers with bad credit scores. Finding one that fits you best can be a daunting task. Each lender has its own requirements. Applying for multiple loans at the same time at different lenders is time-consuming.

That’s why loan marketplace services like are so popular - you only need to complete one online request form, and the website will find the perfect match for you.

What's the easiest loan to get with bad credit?


The easiest way to get an affordable personal loan, even if you have a bad credit score, is to use a borrower-lender matching service. BacCreditLoans is one of the best. Thanks to its large lender network and lenient requirements for borrower credit ratings, finding a loan can be really fast and relatively painless.

Is legit?


Yes, and the services it offers are legitimate. The company meets a real need, and according to countless reviews from satisfied borrowers, customers appreciate its huge lender network, affordable loans, and quick funding for borrowers with tarnished credit histories.