Advertiser and Lending Disclosure

The operator of creditbadloans.com is not a lender, broker or loan agent; we do not make credit decisions, fund loans or service accounts, and we do not guarantee that any request will receive an offer.

We provide a free online form that passes your request to third-party lenders and lending networks. Each lender reviews your information under its own criteria and the laws of your state, and any loan is made solely by the lender named on your agreement. Not all lenders serve every state, and not every applicant will qualify for the amounts or terms shown on this site.

We receive compensation from lenders and lending networks when they receive a request from our site or when a loan they make is funded, and this compensation never adds to what you pay.

That compensation can influence which networks we work with and where their forms appear on our pages. It does not influence the content of our guides, the figures on our compare lenders page or the order in which lenders appear there. No lender can pay for a review, a rating or a higher position in a comparison.

Lenders and networks in our program agree to follow federal and state lending laws, show written terms before you sign and honor requests to stop contact, though we do not control their decisions or their servicing.

Lenders may verify your identity and income, check your credit with any of the national credit bureaus or a specialty bureau, and contact you by phone, text or email. A lender that declines your application must give you a notice explaining why. If you have a problem with a lender, tell us; you can also complain to the Consumer Financial Protection Bureau or your state regulator.

A representative example: a $2,000 loan at 29.99% APR repaid over 18 monthly payments costs about $139.33 a month, with a total of about $2,507.94, including about $507.94 in interest.

Loans available through lenders in our network generally range from $500 to $5,000 with terms of 6 to 48 months. APRs from mainstream lenders typically fall between about 18% and 35.99%, and some lenders charge more where state law allows. Origination fees of up to about 10% may apply and are included in the APR. Your actual terms depend on your credit, income, state and the lender's underwriting, and are shown in writing before you sign.

Late or missed payments can bring late fees, collection activity and negative marks on your credit report, and a lender may report payment history to one or more credit bureaus.

Before you accept any loan, read the lender's policy on late payments, renewals and collections, and make sure the payment fits your budget. If you expect trouble making a payment, contact the lender before the due date.

We are not affiliated with BadCreditLoans.com or any company of a similar name, and the words in our address describe what people search for, not a lender.