Lending For Bad Credit Review for 2026

Here’s our quick overview of Lending For Bad Credit (LFBC): it is a no-cost loan-borrower connect website that does a soft credit check which doesn’t affect your credit score in order to connect you with a personal-loan provider. 

They advertise loan amounts from $100 to $40,000 along with the possibility of next-day funding if you’re connected with a partner lender that supports that type of funding.

LFBC themselves are not a lender and they don’t make any credit decisions, they are a referral marketplace that helps you get in contact with lenders. 

This structure is not the cheapest when it comes to pricing and fees, however it is a way for people with lower credit scores who have been turned down elsewhere to get a loan. Ultimately, pricing and fees are determined by the lender who agrees to fund your loan. 

What LFBC Is (and Isn’t)

Lending For Bad Credit is simply a nationwide online marketplace that helps borrowers get in contact with lenders and other financial service providers.

Through a simple online form you can reach out to multiple lenders and quickly start reviewing terms if you are connected with a lender.  

The service is free and it won’t affect your credit score, however if a lender is found and you sign on with a lender, that lender may run hard inquiries into your credit history - this is outside the scope of what LFBC provides.

Lending For Bad Credit does not broker loans as they are not a lender, and they do not make any credit decisions.

Here are a few additional disclosures from LFBCs own website to keep in mind before using their service: 

• Repayment terms, pricing and fees depend on your profile and on the lender youdecide to connect with, not LFBC.
• LFBC does not guarantee that you will be connected with a lender if you use their services or that you will receive a loan, however your information will be shared with one or more marketplace participants in order to try to find a lender.
• Lending For Bad Credit may connect you with tribal lenders in some cases. These types of lenders typically abide by tribal and certain federal laws and you may have to resolve disputes in tribal jurisdictions.
• If you use LFBC’s services, as stated in their Terms & Conditions in the website’s footer - “...your information may be going to an aggregator and not a lender and/or lending partner. Your information can be sold multiple times leading to multiple offers and/or lending partners, and other marketers. Lenders and/or lending partners who buy your information may supplement it with additional information about you that they obtain from other sources”. 
• Residents of CT, NH, WA and VT are not eligible to submit a request for a cash advance through LFBC.
• Lenders and lending partners may perform a hard inquiry into your credit history to determine your creditworthiness which can affect your credit score negatively.

LFBC address is in Overland Park, Kansas and you can contact them by phone: (833) 321-7764. 

Their address leads to a UPS store which probably means that they are registered to a UPS business shipping account similar to a PO box.

They are currently unaccredited with the Better Business Bureau (BBB), however this may be subject to change. Lending for Bad Credit is linked to multiple websites which are registered to the same address, this is however a relatively common practice for lender marketplaces  offering a connection service for loans, here are a few that we’ve found:

• www.lifeloans.com
• www.nextdaypersonalloan.com
• www.loanserviceusa.com
• https://www.marketloans.net/
• https://www.mysunriseloans.com/

How LFBC Works

1. Submit a request: Once you fill out their form you’ll enter the amount you’d like to borrow, the purpose for the loan, your employment and income info, general contact details along with other basic information. The process is quite straightforward, and can take less than two minutes to complete.
2. Matchmaking: If you’re linked-up with a marketplace lender, LFBC will send you to that lender’s website so that you can go over all the terms including actual APR, fees, and other details. LFBC don’t set the rates themselves and they are not involved in the process after this point
3. Sign with a lender: If connected, you can sign with the lender you're connected with and depending on them and your bank, you may see funds arrive as soon as the next business day.

As mentioned, during this process Lending For Bad Credit may run a soft check on your credit history which does not influence your score negatively, however, lenders they connect you with may do a hard inquiry which will damage your score slightly in order to see if you’re eligible for the loan you’ve requested.

What Information You Need to Submit Your Loan Request 

Here’s a list of the information you’ll need to provide to LFBC so that they can start connecting you with potential lenders. 

To begin you need to click ‘Start Now’ on their website which will direct you to the loan request process where you’ll need to provide the following information:

• How much you want to borrow
• Reason for the loan
• Approximate credit score (range)
• Employment status (ex. Employed, unemployed, benefits)
• Payment schedule (ex. Twice a month)
• Monthly income (range)
• Whether you have a checking account and direct deposit
• Zip code
• Mailing address
• Whether you own or rent your home
• Time at your current address
• Email address
• Whether you have a vehicle registered in your name (and if it’s paid off)
• Military affiliation (if any)
• Current amount of debt you have
• First and last name
• Date of birth
• Phone number
• Social Security Number

Who is Lending For Bad Credit For

Credit-challenged borrowers are the people who consider LFBC. If your credit score is decent, you’re probably eligible for loans with better conditions.

Terms for poor credit loans are understandably rough and come with steep fees that you need to be aware of, so read the fine print.

Another reason may be the need for quick approval or next-day funding which some other lenders offer. 

If you already qualify with a bank or credit union you should probably look elsewhere since you’ll get lower APRs and clearer fee structures compared to
low credit score loans.

Data Privacy & Security Considerations

Lending For Bad Credit claims to use 256-bit encryption on its online form and has a Sectigo security badge on their website which is a standard for SSL/TLS implementation for data in transit.

However, as we’ve already mentioned, LFBC’s footer mentions that ‘your information may be going to an aggregator and not a lender and/or lending partner. Your information can be sold multiple times’.

This may lead to you receiving annoying emails and marketing offers from unrelated promotions, so consider making a dedicated email and phone number if you’re rate-shopping for these loans as this is quite a standard practice. Also review opt-out links where possible.

Eligibility and Requirements

As LFBC is a lender marketplace, requirements may vary by lender, however, some standard requirements include that you need to be over the age of 18, a U.S. citizen or permanent resident, have a valid checking account, a phone and email, and consistent income (usually around $1,000 per month minimum).

There is no formal requirement for a minimum credit score in order to submit a request through Lending For Bad Credit as individual lenders in the marketplace consider a wide range of borrowers.

Final Verdict

When it comes to getting loan approvals with bad credit, your options are very limited. Marketplaces like Lending For Bad Credit make it easier to connect with lenders who are willing to take on bigger risks, although with a potentially steep rate and complicated terms.

If you’re in a situation where you need a loan as soon as possible but have poor credit, LFBC is there for you but make sure to get familiar with all the terms by first reading their terms and conditions and then reviewing the lenders terms if you get connected to a lender.