Disclaimer

Not a lender, not an offer

badcreditloan.ai is not a lender, bank, lending partner, or broker. This website is not an offer or solicitation to lend. We do not make credit decisions, do not underwrite, and do not fund loans. We operate a connection service that introduces consumers to lenders and lending partners.

No guarantee of a match, approval, or funding

Completing the form does not guarantee that you will be connected to a lender. Being connected does not guarantee approval. Approval does not guarantee funding, or funding on the amount or timeline you requested. Every decision belongs to the lender.

Rates, fees, and terms

Rates, fees, amounts, and repayment terms are set by lenders and vary by lender, by borrower, and by state. Any figure on this site, including the 5.99% to 35.99% network band and every worked example, is illustrative. It is not a quote, not an offer, and not a prediction of what you will be offered. Only the documents a lender gives you state your actual terms.

Availability

This service is not available in every state, and the products described here are not lawful in every state. Availability, maximum amounts, and maximum rates depend on your state of residence and on which lenders are currently participating.

Compensation and ranking

We are paid by the lenders and lending partners we connect consumers to, frequently on a bid basis in which a request is offered to participating lenders in descending order of what each will pay for it. This affects which lender you are matched with and the order in which offers reach you. It is not a ranking of quality, suitability, or price, and nothing on this site should be read as an endorsement of any lender.

Not financial advice

Everything on this site is general information published for a general audience. It is not financial, legal, tax, or credit-repair advice, and it takes no account of your circumstances. Consult a qualified professional before making a borrowing decision. If you are facing serious financial difficulty, seek free advice from a non-profit credit counselling agency before taking on new debt.

Accuracy

We aim to keep this site accurate and current, but market terms, lender participation, and state law all change. We make no warranty that the content is complete, current, or error-free, and we may change it at any time without notice.

Third-party content

Links to third-party websites are provided for convenience. We do not control and are not responsible for their content, security, privacy practices, or the products they offer.