Important Disclosures. Please read carefully.
Anyone facing serious or ongoing financial hardship should consider alternatives to borrowing and should seek out free, non-profit credit counselling or professional financial advice before taking on new debt.
badcreditloan.ai is not a lender
This website is not an offer to lend. badcreditloan.ai is not a lender, a bank, or a lending partner, and does not make loan or credit decisions. badcreditloan.ai operates a connection service that introduces interested consumers to lenders and lending partners in its network. We do not control, and are not responsible for, the acts or omissions of any lender or lending partner. We are not the agent, representative, or broker of any lender or lending partner, and we do not endorse or recommend any particular lender or lending partner.
badcreditloan.ai is compensated by the lenders and lending partners in its network. Compensation is frequently determined on a bid basis, in which the request is offered to participating lenders in descending order of what they are willing to pay for it. This may affect which lender you are connected to and the order in which offers are presented. Our service is always free to you.
Tribal lenders
In some cases you may be offered a loan by a tribal lender. Tribal lenders are subject to tribal law and certain federal laws, and may assert immunity from state law, including state interest rate caps. If you are connected to a tribal lender, understand that its rates and fees may be materially higher than those of a state-licensed lender, and that it may require disputes to be resolved in a tribal forum. Read every term you are offered, and decline any offer you cannot afford to repay or whose terms you do not accept.
Availability
This service is not available in every state. If you submit a request from a state where the requested product is prohibited, or from an area where badcreditloan.ai has no participating lender, you will not be connected to a lender or lending partner. Not all requests are matched, and being matched is not an approval.
Credit checks
By submitting your information through this website you authorise badcreditloan.ai and its participating lenders and lending partners to verify the information you provide and to review your creditworthiness. Those checks may be performed with a national credit bureau such as Experian, Equifax, or TransUnion, and/or with alternative bureaus such as Teletrack, DataX, Clarity, or similar. You also authorise badcreditloan.ai to share the information you submit, and the results of those checks, with the lenders and lending partners in its network.
Rates and terms
Lenders in our network offer loans with an Annual Percentage Rate (APR) ranging from 5.99% to 35.99%. The rate you are offered depends on the lender's assessment of your application; the lowest rates in that band are available only to qualified consumers. Repayment periods run from a minimum of 91 days to a maximum of 72 months. Every loan is subject to the lender's approval under its own underwriting criteria.
Representative example: a loan amount of $4,300.00 at an Annual Percentage Rate of 35.99%, repaid in 30 monthly payments of $219.36, produces a total amount payable of $6,581.78. Your own rate and term will be set by the lender and may differ.
Lender's disclosure of terms
Any lender or lending partner you are connected to will provide you with documents setting out the full cost of the loan being offered, including all fees and rates, any charges for late payment, and the circumstances in which you may be permitted, where applicable law allows, to refinance, renew, or roll over the loan. Loan fees and interest rates are determined solely by the lender, based on its own policies, underwriting criteria, and applicable law. badcreditloan.ai has no knowledge of and no control over the terms any lender offers you.
Late payments hurt your credit score
Missing a payment or paying late can damage your credit score. Accept only terms you are confident you can repay. If you know you will miss a payment, contact your lender immediately to discuss your options before the payment is due.
