BadCreditLoans.com Review

The same operator and address as PersonalLoans.com, named in the same FTC action, and it publishes no APR range at all.

About BadCreditLoans.com

The same operator and address as PersonalLoans.com, named in the same FTC action, and it publishes no APR range at all. BadCreditLoans.com is offered by Great LLC, Tacoma WA and currently holds an average rating of 3.3 out of 5 across 22 user reviews. It falls into the Personal Loans category and tends to be the strongest fit for nothing we would recommend over a credit union or a secured card.

Editorial grade: D (composite score 31/100).

Highlights

$500 to $10,000, with a stated 90 day minimum and 72 month maximum term
Not a lender. It forwards applications to lenders and to other lead networks
Its terms explicitly contemplate tribal lending enterprises

What we like

It is open about the tribal lender risk in its own terms, which many peers are not
No fee to the consumer

Where it falls short

Its rates page publishes no APR range whatsoever. The only figure anywhere is a single example at 19.9%
Its terms state tribal lenders may claim exemption from state licensing and usury caps, and that their rates may be higher than state-licensed lenders
The FTC's January 2022 ITMedia Solutions action named badcreditloans.com specifically; 84% of applications collected since 2016 allegedly went to marketers, debt relief and credit repair sellers rather than lenders

Fees, minimums, and rates

Monthly fee: None to the consumer; lender fees unknown and unpublished. Minimum to open: $500 minimum loan. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.

How we reviewed it

Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). We install the app on a personal device, link real bank accounts, and track whether it measurably improves behavior over a 30-day window. For this review of BadCreditLoans.com, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Personal Loans shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.