Frequently Asked Questions

US Bad Credit Loans provides you with a platform where you can quickly get access to various types of loans even with your bad credit rating. As an online broker, we partner with dependable lenders in the industry. Our broker services are 100% free; you can always submit a loan inquiry through our online platform with zero hidden fees and charges.

What Is Considered Bad Credit Exactly?

As we know, a credit score is based on your previous financial history in terms of debt repayments and is calculated to be between 300 and 850 points. If your score is 579 or less, then it is considered bad credit. Lenders will assess your credit score along with your current situation and your income before approving a loan.

How Long Does It Take to Process a Loan?

Submitting your loan details through our secure platform takes only a few minutes. Upon submission, your information will be sent to our lenders directly. Lenders willing to work with you will communicate with you within minutes. If you agree to the loan terms and conditions, funding can be done as soon as the same day.

How Much Money Can Lenders Give Me?

You can borrow up to $5,000 with a payday loan or an installment loan, $35,000 with a personal loan, or a title loan. However, the exact amount of money you can get from our lenders varies depending on various factors, including your personal circumstances, current income, and debt-to-income (DTI) ratio, among other things. You can get your quote for free through our platform.

How Quickly Will the Money Be Sent to My Account?

Once lenders review and approve your loan request, money is credited to your bank account ASAP. The time it takes to get the funds also varies from one lender to the other and your bank policy. Usually, most lenders can send the money within the same day or the following business day.

Can I Still Get a Loan With Bad Credit or Poor Credit Scores?

Typically, it will be easier to get a loan if you have good credit. But a bad credit history doesn't mean you can not secure a loan when you need it. Remember that US Bad Credit Loans is created for people with bad credit by working with lenders who specialize in bad credit loans. So, you can still get approved for a loan even with bad or poor credit scores.

How Do I Repay the Loan?

Loan repayment is made through your bank/checking account. Money is debited from your account when it's due. This repaying option is easy and helps prevent any late repayment fees that you may incur if you fail to make the pending payments on time. Talking to your lender about potential delays in repaying your loan is always advisable.

What Are the Late Payment Policies and Fees?

Lenders have their specific late payment policies and fees. Ensure you read through your loan agreement to know more about the late payment policies and fees your lender imposes before finalizing the deal.

What Happens if I Can't Make Payments on Time?

If you can't repay your loan for any reason, this counts as a default on your obligations. This can affect your credit ratings, and it could prevent you from getting loans in the future. Talk to your lender in advance about making arrangements to repay your loan.

How Soon Can I Get Another Loan?

You can always turn to our lending services whenever you want a new loan. However, this is subject to state restrictions. If you have outstanding loans and want another loan, inform your provider before taking a new loan.

Is US Bad Credit Loans Legit?

Of course! US Bad Credit Loans is an authorized broker that provides online loan recommendation services by connecting customers with our network of lenders. Our business is legit and does not violate any U.S. laws and regulations.