Bad Credit Loans Personal Loans
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| APR (Variable APR) |
5.99% - 35.99% (Verified 09/08/2023) |
| Loan Amount | $500 - $10,000 |
| Loan Term (Months) | 3 - 72 months |
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 5% and 36%. The starting rates for Bad Credit Loans Personal Loans are on the lower end of the spectrum.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Bad Credit Loans Personal Loans early.
- 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 $500and 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?
No, BadCreditLoans Personal Loans will not charge you a late fee if you miss one of the monthly payments.
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. Bad Credit Loans Personal Loans only considers borrowers who are employed.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Bad Credit Loans Personal Loans. Their rates fall within the limits of The Military Lending Act.
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
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
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 24 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
-
2661 N Pearl St
St #431
Tacoma, WA 98407 - (800) 245-5626
- Visit Site
- Email Support
About Bad Credit Loans Personal Loans
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Employment Statuses Considered |
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| Immigration Status Considered |
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| Joint Loan Applications Accepted |
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| Military Status |
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| Minimum Age | 18 |
| Supported Income Types |
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| Verification Documents Required |
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