Last Updated: 04/18/2025
Bad Credit Loans Personal Loans
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in Personal Loans from Bad Credit Loans
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
5.99% - 35.99%(Verified 06/21/2024)
Amount Range
$500 - $10,000
Loan Term (Months)
3 - 72
Bad Credit Loans Personal Loans Review
Bad Credit Loans Personal Loans is offered by Bad Credit Loans, a nonbank financial services provider founded in 1999 and based in Tacoma, WA. BadCreditLoans Personal Loans are available in 50 states and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 9% and 36%. The starting rates for Bad Credit Loans Personal Loans are on the lower end of the spectrum.
- Short loan terms. Bad Credit Loans Personal Loans have loan terms as short as 3 months.
- Super long loan terms. Bad Credit Loans Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
BadCreditLoans Personal Loans Pros & Cons
| Pros | Cons |
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BadCreditLoans Personal Loans FAQ
What interest rates and personal loan terms does BadCreditLoans Personal Loans offer?
BadCreditLoans Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does BadCreditLoans Personal Loans offer?
BadCreditLoans Personal Loans offers a variable APR personal loan product that ranges from 5.99% APR up to 35.99% APR.
How much can you borrow via BadCreditLoans Personal Loans?
Personal loan amounts start at $500 and go up to $10,000
What is the maximum loan term you can get with BadCreditLoans Personal Loans?
BadCreditLoans Personal Loans offers loans with terms of up to 72 months.
| Personal Loan Amount | $500 - $10000 |
| Loan Term | 3 - 72 months |
| APR | 5.99% - 35.99% |
What fees does BadCreditLoans Personal Loans charge?
Does BadCreditLoans Personal Loans charge an origination fee?
BadCreditLoans Personal Loans may charge a personal loan origination fee .
Does BadCreditLoans Personal Loans charge a late fee?
BadCreditLoans Personal Loans does not disclose whether it charges late payment fees.
Does BadCreditLoans Personal Loans charge prepayment fees?
No, BadCreditLoans Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Bad Credit Loans Personal Loans?
Bad Credit Loans Personal Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Bad Credit Loans Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Bad Credit Loans Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Bad Credit Loans perform a hard credit pull?
Yes, BadCreditLoans Personal Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are Bad Credit Loans Personal Loans legit?
Bad Credit Loans was founded in 1999, it is a well-established company that has been in business for 27 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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