How It Works

Getting a loan through US Bad Credit Loans is easy and straightforward. Everything is done online, just spend a few minutes submitting your details and we will do the rest. Our extensive network of lenders can offer you financial assistance when you need it most.


There are some requirements that you should meet before requesting a loan:

  • You must have a stable source of income
  • You must be 18 years or older
  • You must be a permanent U.S. resident
  • You must have an active checking account and a valid email address
  • You should provide your contact details, including your phone and physical address

Fast Response

Generally, you can receive a response in minutes and get approved as soon as the same day. In some cases, our lenders review and approve your loan details within hours.

Quick Funding

Once your loan is approved, you will be redirected to work with the specific lender of your choice. The lender will share with you the details of the loan you ask for, including the rates, payment terms, and fees. Upon the acceptance of these terms, your lender will credit your bank account with the money ASAP.

Bad Credit Friendly

Just as its name implies, US Bad Credit Loans focuses on bad credit loans. With our broker services, your bad credit rating is your last thing to worry about when asking for cash loans online. Although interest rates might be high for people with bad credit, they make sense if you can be relieved from financial issues.

Bank-Level Security

Your personal and financial details are secured by our bank-level technologies. In no way will we keep a record of your information or share it with any third parties other than the lenders you're connected with.

Industry-Leading Lenders

We work with reputable lenders who have been in the loan business for a long time and enjoyed popularity among customers. With our large network of trusted lenders, your financial problem should never frustrate you anymore.

Loan Default

Failing to repay your loan on time results in late payment fees. What's worse, your credit score will be negatively affected if you keep missing payments. Please make sure you can repay the loan comfortably when requesting it.

Late Payment Policy

This can vary among loan providers and state regulations. Please always check carefully and confirm every detail with your lender before accepting any loan offer.