Bad Credit Loans

Overview has been in the business of helping people since 1998. We make it easy for consumers to get the funds they are looking for online.

What Do You Need? We Can Help! We can help connect you to lenders that offer loans that may work for you. Through our easy service, you may be able to connect with a lender regardless of your credit history.

Our Service
Bad Credit Loans is not a lender. We offer a free service connecting you with lenders that will present their loan offer to you with no obligation of having to accept the offer. You have more options by using our service as your request will be sent to multiple lenders and financial service providers using our proprietary technology.

Your Online Resource for More Than Just Loans
Our website offers more than just loans. Try visiting our news section to learn about the charity work and other great events that Bad Credit Loans takes part in. You can also educate yourself on any of the latest scams that may be out there too. We never stop in our efforts to ensure you are always able to enjoy an easy, fast, and secure loan.

Loan Features

If you have poor credit, and are in an emergency financial situation, can help you get a cash loan quickly. Instead of lending you the money directly, the service finds offers from a lender, or lenders, that fits your needs.

You can request a loan on your own time, day or night. The company welcomes people with all credit scores. You can review the short-term loan offer presented without any fees or obligations.

Applying for a loan is simple. You’ll fill out the online loan request to potentially get a loan offer within minutes from the company’s network of lenders. The approved loan can be deposited into your checking account electronically, in as fast as one business day. You don’t have to worry about collateral or providing a security deposit for the loan. State requirements vary, and you may not be eligible depending on your residence location.

Application Process

1. Complete the Short Loan Request Form
2. Our Network of Lenders Reviews Your Request – You Can Get a Loan Offer
3. If Approved, Review and Accept Your Loan – All Conveniently Online
Remember, our service is free and you’re not obligated to accept any loan offer.


You do not need to have a perfect credit score to be eligible for a bad credit loan. Customers with poor credit may still qualify for a loan; however, our lenders do not typically provide loans over $1,000 to bad-credit individuals.


Be at least 18 years old.
Provide proof of citizenship, such as a Social Security number, or legal residency.
Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.
Have a checking account in your name.
Provide work and home telephone numbers.
Provide a valid email address.

Loan Process:

Our loan request process is designed to connect you with the lender from our network who can assist with your financial needs. If successfully connected, our lender network will verify your information quickly and review your loan request.
Depending upon the information you provide, a lender might respond with a loan offer. You should take your time in reviewing all details of any loan you’re considering. You will not be obligated to accept the offer if it is not the right offer for you!
When you decide to accept your loan, just agree to the lender’s terms via e-signature. (Remember, you are under no obligation to accept any loan offered.)

Once you add your electronic signature to the lender’s contract, they will distribute the loan funds to your checking account via direct deposit. All funds should be available as soon as the next business day, however, the exact availability timeframe will depend on the your lender’s deposit process.

Repayment Terms

The lender will present you with the repayment schedule and you will be able to repay your installment loan off over time rather than all at once. That’s all there is to it! Our lenders require no collateral, and you will not be denied a loan solely based on a poor credit history. Your steady income and checking account is the only security required.

Note: Bad Credit Loans is not a lender; rather, we specialize in connecting borrowers with our network of bad credit lenders and financial service providers. Bad Credit Loans cannot dictate your loan terms, conditions or interest rates/fees.

Loan Amounts $500 to $5000
Repayment terms 3 to 36 months

Example of Representative APR
1. Borrowing $2000 over a 12 month period will cost you around $235 a month with a total cost of credit of $2400

2. Borrowing $4000 over a 24 month period will cost you $270 a month with a total cost of credit of $5615

Customer Support

Bad Credit Loans
2661 N Pearl St #431
Tacoma, WA 98407

Phone: 800-245-5626

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