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APR  (Fixed APR) Starting at 7.99%
(Verified 08/04/2023)
Loan Amount N/A
Loan Term (Months) 3 - 72 months Review is offered by LendingForBadCredit, a nonbank financial services provider founded in 2011 and based in , . LendingForBadCredit are available in 46 states (and Washington, DC).

Key Takeaways

  • APRs starting at 7.99%. These are typical starting rates for personal loans.
  • Short loan terms. have loan terms as short as 3 months.
  • Super long loan terms. offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.

LendingForBadCredit Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Charges an origination fee.
  • Does not offer pre-approval with soft credit pull.
  • does not report to credit bureaus.
  • Charges a late fee

LendingForBadCredit FAQ

What interest rates and personal loan terms does LendingForBadCredit offer?

LendingForBadCredit has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does LendingForBadCredit offer?

LendingForBadCredit offers a fixed APR personal loan product that starts at 7.99% APR.

What is the maximum loan term you can get with LendingForBadCredit?

LendingForBadCredit offers loans with terms of up to 72 months.

LendingForBadCredit Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term 3 - 72 months
APR Starting at 7.99%

What fees does LendingForBadCredit charge?

Does LendingForBadCredit charge an origination fee?

LendingForBadCredit may charge a personal loan origination fee.

Does LendingForBadCredit charge a late fee?

No, LendingForBadCredit will not charge you a late fee if you miss one of the monthly payments.

Does LendingForBadCredit charge prepayment fees?

No, LendingForBadCredit 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.

LendingForBadCredit Fees
Origination Fee No
Prepayment Fee No
Late Payment Fee No

What do you need to qualify for 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. does not have or does not disclose a minimum annual income eligibility requirement. will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

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 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

LendingForBadCredit Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
Credit Score N/A

Are legit?

Search ROI was founded in 2011, it is a well-established company that has been in business for 12 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.


Hours of Operation

  • Sunday All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day



  Available in 46 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee
(Verified 04/25/2023)
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
APR Type Fixed APR
APR (Fixed APR) Starting at 7.99%
(Verified 08/04/2023)
Loan Term 3 - 72 months

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