Bad Credit Personal Loans

Fiancial Emergency? Need a Loan Now? Receive Your Money as Fast as Tomorrow!

We helped thousands of people with problem credit history to get a loan they needed fast! Feel confidence and personal support when applying for a loan with BadCreditBear!

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Certain limitations apply. All loans are subject to approval by the lender. We don't offer no credit check loans. Lenders make alternative check credit or use 3 major credit bureaus. Read our Term of Use, Privacy Policy, Fair Lending Practices before submitting any of your personal details.

Personal loans for bad credit is an expensive financial solution. The APR ranges from 25% to 1080%. We promote responsible use of loans. All customers are free to submit an online application.

Bad Credit OK!

Get approved despite past financial mistakes! Subject to eligibility.

Quick Loan Deposit!

Same day loans funding is available for extra fee. A regular transfer takes one business day.

Responsibility Matters!

Lenders in our system are reputable and legit. We claim for responsible borrowing!

A Personal Loan Solution From Professionals

Personal loans for bad creditPeople with bad credit score are struggling to find good lending sources. BadCreditBear.Com provides quick financial help for customers with good and bad credit. Borrowers have free access to online loans at better rates: personal and installment loans, cash advances. We provide expert advice on responsible borrowing and lending, the risks of high-interest loans, penalty fees.

Applying for Personal Loans With Bad Credit

The online application process is fast and convenient. Fill out the request form and wait for lender’s offer within minutes. If a lender approves you, finalize the application on a lender’s website. Now the loan is on its way and will be available the next or the same day.

What Are Basic Qualifications

Applicants should be 18 years old and have US residence. Bank account details, email and income proof are required. Lenders may request any extra details by fax or regular mail.

Full Disclosure of Terms and Conditions

Our lenders abide by the rules of the Truth in Lending Act. They provide full details about fees, interest rate, and terms before giving any loan. Act responsibly to avoid debt traps. Personal loans, like cash advances, are costly.

More Than Simple Online Loans

Our main mission is to support people with problem credit history. However, we want to make sure that our customers borrow money only when they need it. We explain the process and implications of borrowing, by covering the following topics.

Types of Personal Loans

Depending on the amount and repayment terms, different loans may work better.


Payday Loans – Cash AdvancePay for urgent repairs, utility and medical bills and other small unforeseen expenses. Borrower must pay back the loan plus fees with the next paycheck.AnyApply Form

Installment LoansCar repair, shift to new flat, home improvement, legal services, mortgage payments.Bad, Fair and upApply Form

Personal LoansNew car, debt consolidation, home renovation, medical expenses, plastic surgery, small business, other large purchases.Bad to ExcellentApply Form

The Annual Percentage Rate on Bad Credit Loans

Each type of personal loan has a different interest rate. The APRs depend on lender, state of residence, repayment period and credit rating. Interest rate cannot exceed state cap. Borrowers may expect similar rates as in the example below.

Loan TypePayday LoansInstallment LoansPersonal Loans
Loan Amount$300$1,500$10,000
Loan Term14 days12 months5 years
Monthly Payment$317.06$200.38
Total Interest$60$2,304.70$2,022.77
Total to Pay Back$360$3,804.70$12,022.77

Popular Scams With Personal Loans. Don’t be mislead, Stay Informed!

Scams are common in online loan business and predatory lenders are happy to gain some quick and easy money. In order to prevent scams, we are working with legit lenders, that have good reviews from clients, whose business complies with the state laws.
Check the following points to find out if a third-party service is reliable.

  • – The company has a solid reputation, physical address, phone number.
  • – Loan contract doesn’t have tricky terms.
  • – The website is protected with SSL certificate.

These are the general tips towards avoiding scams. Our expert advice is: stay away from doubtful lenders and brokers. Let’s take a look at scams you may find while looking for online personal loans.

Guaranteed Approval Loans

People look for guaranteed approval loans when they are in money crisis. Moreover, those with bad credit hope to find lenders who will not consider credit rating, no job, no bank account. Some lenders ignore poor credit rating if the borrower has a steady income. Guaranteed loans do not exist. Focus on getting loan amount that is easy to pay off, and not on guaranteed approval.

No Credit Check Loans

Dishonest services promise no credit check loans, but they still run it. Damaged credit does not disqualify from accessing online loans. Lenders perform basic checks on each client before giving money. Credit history is a sign of borrower's financial state, but not the overriding approval factor. Our commitment is to offer truthful information to our clients. Lenders in our network check credit score. Borrower's goal is to prove the ability to make prompt monthly payments.

Instant Approval Loans

Shady companies know the need for speed when borrowers are looking for quick loans. They promise instant loans same day funding to attract customers, but this is misleading. It is not possible to lend instant loans because approval process takes time! Usually, lenders send the final decision in few hours. Loan transfer is not instant as well, but some lenders provide same day loans deposit for a costly fee.

How can I build better credit history using Personal Loans?

For people with bad credit, a personal loan might be a good way to improve creditworthiness. Here is how personal loans work for the benefit of credit score.

  • – A personal loan doesn’t affect credit as much as debt influences credit cards.
  • – Use personal loans to decrease an existing debt.
  • – By paying installments on time, borrower builds better payment history.
  • – Don’t affect credit utilization ratio.

Personal loans are available for amounts of $2,500 and more. Initially, the credit score might slightly decrease when new loan appears in the credit report, but each installment paid on time will improve it. It’s better to choose unsecured loans with low APR. Make sure that the monthly due amount fits your budget. Setup automatic re-payments to make sure you don’t miss them.

What is Responsible Borrowing?

Borrowing responsibly means using loans properly. Borrow only as much as you can afford to repay – is the rule number one! Make a budget and decide whether you need and afford a loan. Before signing the contract, create a payment schedule with the lender. Limit monthly payments to 30% of total monthly income. This way, repaying the loan will not become an impossible task, and credit score won’t decrease because of late payments.

Financial Implications

By borrowing responsibly you accept all consequences of using loans. Lenders perform the following actions against irresponsible clients.

Implications of improper payment

Accepting loan offer means you accept all terms and conditions. Lender specifies all fees, payment schedule and amount in the contract. Partial, late, and non-payment incur extra charges. We have no control over any of them.

Financial implications

Lenders determine the interest rate, fees, charges on your loan. They disclose this information before borrower accepts the offer. Our website does not lend money directly to customers. Hence, we cannot predict the amount the lender will charge as fees or interest rates. There are no obligations to accept a loan offer if you do not agree with loan conditions.

Possible credit history impact

We don't make any decisions that will affect credit score. Though, lenders may run a standard credit check with 3 major bureaus. Non-traditional credit check via alternative sources doesn't affect credit rating. A lender may report your negligence to any credit bureau. We advise our customers to seek help from credit counseling company to resolve debt issues.

Loan renewal options

State laws control loan renewal policies. Lenders inform borrowers about available extension options before signing the contract. We encourage our clients to honor their obligations to pay their loans in full and on time to avoid penalties. Use alternative ways of solving financial problems if unsure about repaying a loan.

Debt collection practices

We have no control over debt collection actions that lenders apply. The loan document specifies the methods used to collect past-due accounts. If the information is unavailable or unclear, discuss the matter directly with your lender. We are committed to ensuring that participating lenders use fair debt collection practices.

Personal Loans Online For Bad Credit! Fast Response Guaranteed!

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