How it works?

Get more information about the process of getting personal loans online.

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Certain limitations may apply. All loans are subject to approval by the lender. Participating lenders don’t offer no credit check loans. Credit history maybe checked alternatively or via 3 major bureaus. Read, understand and agree to our Term of Use, Privacy Policy, Responsible Lending Policy before submitting your personal details.

Payday loans are short-term, expensive financial solution. The APR on payday loans can range from 200% to 1,710%. Installment loans and personal loans are long-term and less expensive financial products. You must act responsibly using any type of loan products. People with all types of credit are free to apply for a loan.

Bad Credit OK!

Get approved for loans regardless you credit score! Anyone is welcome to apply!

Quick Loan Deposit

If approved, your loan may be funded the same day or the next working day!

Responsible Lending

We work with legit lenders and claim for responsible lending!

How do Online Loans For Bad Credit Work?

How it works?

Before you take a loan to cover some sudden expenses or large purchases, learn as much as possible about our loan matching service to make a right choice. Let’s take a closer look!

Necessary Details

Please give us some basic information about yourself, your job and income. We will try to find you a lender in few minutes. The amount of money you earn per month is important for payday loans approval. Credit history is a crucial factor for personal loans. Provide correct details so we have more chances of finding the right lender.

Applying For Your Loan

First of all, complete the application on our website. Select the exact amount of money, so we can find the lender that suits you better. One of the best things about BadCreditBear is that you only need to fill out one brief application. We send your details to many lenders in our network. We save you a lot of time and effort!

Receiving The Offer

Once your application is submitted, we try to connect you with a lender. You will receive an email with details, terms, and charges. We highly recommend that you take time to look over the conditions of the loan contract. Sign a loan agreement if it suits you. In case you have any questions we suggest you contact the lender first and make all things clear.

Loan approval process

When you go through our matching service, your approval chances are good. We do everything to match you with a right lender, so you can get the money fast. Lenders are responsible for loan approval, and we don’t have control over this process.

Receiving Funds

Once a lender approves your request, he makes a transfer of funds to your bank account. This can be done the same business day (if applicable) or within the next 24 – 72 hours, depending on loan type. If you submit your application on the weekend, you will most likely receive your funds by Monday.

Paying Back the Loan

When it comes to repaying the loan, the lender will deduct the money from your bank account automatically. Make sure you have enough funds. No hassles with writing checks and other paperwork!

A Wide Range Of Loan Products

Our lenders provide different types of loans. There are personal and installment loans, which you pay back in fixed monthly payments. Short-term loans like payday loans must be paid back within 2 – 3 weeks.

With payday loans, you can borrow from $100 to $1,000. With installment loans up to $5,000. For personal loans, the maximum amount is $35,000. Choose the one that fits your specific borrowing needs.

Interest and Fees

The interest rate depends on things like the amount you borrow, type of loan, income, loan term. APR for payday and installment loans is high, and for personal loans, it’s much lower, so keep in mind this! All lenders in our network do not charge any hidden fees. Lenders disclose the APR, fees for late payment in the contract. Look over it carefully to know how much you would need to repay. Don’t sign the agreement, if you don’t like the lender’s terms! Act responsibly to avoid more troubles in future!