$200 to $10,000
Request what you actually need. The lender sets the final amount it will offer.
Funded as fast as 24h‡
Where a lender approves and you accept, funds commonly arrive the next business day.
All credit types
Thin file, past defaults, a score in the 500s. These lenders underwrite for exactly that.
No fee, no obligation
We are paid by lenders, never by you, and a match is an offer to read, not a contract.
Get the money you need in just three steps
- 01
Submit your request
Our fast and secure online form can be completed in just 2 minutes.
- 02
Review top lender offers
Our lenders consider all credit score ratings, from no rating to excellent.
- 03
Receive your funds
Select your lender and receive your funds as soon as the same business day.‡
What we help with
Getting the right loan has never been easier
We understand that every need is different. That is why we offer a variety of loan options, and why the same short form works for all of them.
Personal Loans
A fixed amount repaid in scheduled installments. The general-purpose option most requests start from.
Learn moreBad Credit Loans
For thin files, past defaults, and scores in the 500s. Every credit rating is considered.
Learn moreEmergency Loans
A car that died, a medical bill, a deposit due now. Built for the expense that will not wait.
Learn moreCash Advance Loans
Smaller amounts over a short window, to bridge the gap until your next pay date.
Learn moreDebt Consolidation
Roll several high-rate balances into one payment, with one due date instead of five.
Learn more
Smart borrowing starts with the right information
Here's a representative example of interest rates, terms, fees, and total repayment costs.
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Interest Rate (APR) | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Other Fees/Costs (%) | 5% | 5% | 5% | 5% |
| Other Fees/Costs ($) | $50 | $100 | $250 | $500 |
| Monthly Payment | $99.29 | $105.86 | $140.84 | $212.90 |
| Number of Payments | 12 | 24 | 48 | 60 |
| Total Payment | $1,191.48 | $2,540.64 | $6,760.32 | $12,774.00 |
APR ranges from 5.99% up to 35.99% for qualified customers.91 day minimum up to 72 month maximum repayment period.
Let us answer your questions
Find answers to the most common loan questions. Still unsure? Contact us. We are happy to help.
What is a personal loan?
A personal loan is a fixed sum you borrow and repay in scheduled installments over an agreed period. Most are unsecured, meaning you do not put up a car or a house as collateral. The lender is relying on your income and your credit history instead. Because there is no collateral, rates are higher than a secured loan and the amount you can borrow is smaller.
How does a personal loan work?
You request an amount and a term. A lender assesses your application, and if it approves, it sends you an agreement setting out the APR, every fee, the monthly payment, and the total you will repay. If you accept, the funds are deposited into your bank account and repayment begins on the schedule in that agreement. The payment does not change from month to month, so you know the end date before you sign.
How much can I borrow with a personal loan?
Lenders and lending partners in our network typically fund between $200 and $10,000. What any individual lender offers you depends on how it weighs your income, your existing obligations, your state of residence, and the legal limits that apply there. Loans are not available in every state, and being matched is not an approval.
Can I get a personal loan with bad credit?
Yes. The lenders in this network consider every credit rating, from no rating at all to excellent, and many weigh verifiable income more heavily than a score. Bad credit does not disqualify you, but it does affect price: expect to be quoted towards the top of the 5.99% to 35.99% band rather than the bottom.
Will checking my rate affect my credit score?
Submitting the form authorises us and our lenders to verify your information and review your creditworthiness. Initial checks are frequently performed with alternative bureaus such as Teletrack, DataX, or Clarity, which do not affect your score. A lender may run a hard inquiry with Experian, Equifax, or TransUnion later in its own process, and it will tell you when it does.
Is badcreditloan.ai legit?
We are a connection service, not a lender, and we say so on every page. We do not charge you anything at any point. We are paid by the lenders we introduce you to, which is a real conflict of interest that we disclose rather than hide. We publish our full lending policy, rates, and disclosures, and we will never ask you to pay a fee up front to release a loan. Anyone who does is running a scam.