To be eligible for loans through BadCreditLoans you must be a U.S. Citizen or have Permanent Resident status. You are required to be at least 18 years old, and have a source of regular income. The income can come from full-time employment, self-employment, or Social Security or disability benefits. You must also have a checking account in your name, as well as be able to provide work and home phone numbers, as well as a valid email.

With BadCreditLoans, after filling out the form and submitting the application, the platform will connect you to one or more lenders within just a few minutes, according to your borrower profile. After that, once you have selected the best offer for your needs, you can apply with a lender, and as soon as you are done with this step and have been approved, the lender could make funds available in your checking account within as little as one business day. The time it takes for lenders to process your application may vary, so expect a little variation.

BadCreditLoans is not a direct lender. Therefore it does not perform credit checks on borrowers, and individuals from all credit standings may use the platform to find and compare loans. However, once you opt for a loan, the actual lender might perform credit checks which could impact your credit score. For this reason we recommend that you check your credit score before applying for a loan to make sure you do not take any unnecessary hits to your credit.