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.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 11, 2026.
Our verdict
Try a credit union or a secured card first: BadCreditLoans.com publishes no APR range at all, and its own terms say tribal lenders may claim exemption from state usury caps. Its only rate figure is a single example at 19.9%. It was named in the FTC's January 2022 ITMedia action and shares an operator with PersonalLoans.com, so the two aren't independent options.
Skip it if a credit union or a secured card is open to you, or you want an APR range before applying.
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. Our editorial rating is 3.3 out of 5.
Best 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Monthly fee: None to the consumer; lender fees unknown and unpublished.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 fees last checked on September 11, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Great LLC, Tacoma WA. It is built from Great LLC, Tacoma WA's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Personal Loans shortlist. The rubric is the same for every brand.
Similar products to compare
Read our full editorial methodology for how we review products.