About Our Service

We run creditbadloans.com, a free online service that passes one loan request to lenders and lending networks that consider fair and poor credit, based in Helena, Montana.

We are not a lender. We do not make credit decisions, set rates or service loans. What we do is narrower and, we think, useful: we make it easier to reach several lenders at once, and we publish guides that explain what those lenders will look at and what their offers cost.

The site exists because people with low scores are the ones most often pushed toward the most expensive credit. A clear comparison, a real APR and a few honest questions can save hundreds of dollars, and nobody should need a finance degree to get them.

Lenders and lending networks pay us when they receive a request or when a loan funds, and that payment never changes the price you are offered or what you repay.

Because we are paid by the companies we connect you with, we say so plainly on every page and in more detail on our advertiser disclosure. Our guides and our compare lenders page are not ranked by payment. Lenders cannot buy a better position, a quote or a review.

Our guides are written by a small editorial team who publish under pen names, a common practice that protects writers' privacy while keeping a consistent, accountable byline on every article.

• Marcus Okafor is the pen name of our senior editor for consumer credit. He covers subprime lending, credit reports and loan disclosures.
• Owen Rowan is the pen name of our personal finance writer. He covers emergency costs, home repairs and the math behind small loans.
• Tessa Vasquez is the pen name of our debt and budgeting writer. She covers debt payoff, credit rebuilding and budgeting on uneven income.

Pen names do not change our standards. Every figure in a guide is checked against a primary source such as a lender's rate page, a federal rule or a state regulator, and every example payment is recalculated with the standard amortization formula. When something changes, we update the page.

We will never charge you to submit a request, ask for money before a loan funds, sell your details to companies outside the request you made, or promise approval we cannot control.

We also will not publish reviews or star ratings we cannot verify, use countdown timers to rush a decision, or describe a high-cost product as cheap. If a lender in our network behaves badly, we want to hear about it, and we will stop working with lenders that ignore the rules.

Our name describes what people search for, not a separate lender, and we are not affiliated with BadCreditLoans.com or any company of a similar name.

Many sites use similar words because the search phrase is common. If you are unsure which site you are on, check the address bar and the contact details at the bottom of every page: our only office address is 1256 Juniper Road, Suite 116, Helena, MT 59601.

Questions, corrections and complaints reach a person at [email protected] or (888) 446-2620, and our contact page lists every way to reach us.