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What Are Direct Lenders?

Direct lenders are loan providers who loan their own money directly to eligible borrowers without intermediaries. When you apply for a loan with a direct lender, the money you'll get comes directly from the lender's coffers. By cutting out the middleman, direct lenders simplify the lending process and allow you to control where your data goes.

What Are Online Loans?

Online loans are loans that you can collect without having to set foot in a bank or a lending company. The entire lending process is started and concluded online, from application to approval to loan disbursement. In addition to the convenience of applying with your devices from anywhere, online loans are relatively more convenient and more versatile compared to traditional loans while having less stringent conditions and requirements.

You can get an online loan from online-only lenders or online arms of traditional banks and lenders. The loans you can get online are typically unsecured loans such as credit cards, or instant payday loans.

Direct Lender VS. Loan Broker, Which One Is Better?

A direct lender is a bank, lender, or financial institution that checks you out for a loan and directly credits your bank account if you qualify. The money direct lenders loan to you comes straight from their balance sheet. On the other hand, a loan broker serves as an intermediary, helping borrowers find the best loans that fit their unique financial situations.

Loan brokers help consumers by reducing the hassles of searching for a suitable lender out of thousands. They'll also guide you through the entire process from application to when you receive the funds into your account. When you request a loan online through a loan broker, they'll scour their database and connect you with partner lenders in their network. With multiple offers, you'll have the flexibility of choosing the loan with the best terms and conditions.

USBadCreditLoans is a loan broker website with the unique distinction of linking consumers directly to online lenders.

Why Should I Choose USBadCreditLoans?

At USBadCreditLoans, we streamline the entire online lending process, offering you quick and convenient access to multiple lenders.

Fast Response and Process

USBadCreditLoan has a simple, easy-to-use platform that allows you to apply for loans and get a response instantly. We'll forward your request to our partner lenders, who will analyze your details and respond with an offer in minutes.

100+ Partner Lenders Network

At USBadCreditLoans, we partner with over 100 lenders, giving you a great pool of loan offers. Selecting the right loan for your particular need is essential to avoid loan default and dissatisfaction.

Quick Funding

When you complete our online application form and select an offer, most of our partner lenders will send the funds to your bank account within 24 hours. Some may take no more than 3 working days.

Reasonable Interest Rates

Our lenders offer competitive APRs and low fees. You won't be trapped in a vicious debt cycle due to excessive interest rates and charges.

Bank-Level Data Security

At USBadCreditLoans, we go to a great extent to secure your data. Accordingly, we'll also match you with state-licensed lenders with impeccable customer data protection records. We only deal with lenders who are committed to lending best practices.

Why US Bad Credit Loans?
Will bad credit be accepted?YesIdeal for bad credit
What is the max loan amount?$35000Zero hidden charges
What is the max loan term?36 monthsFlexible repayment options
Can I repay the loans in installments?YesConvenient repayments
Are there credit checks?YesSoft search only
How can I apply?Apply onlineInstant application

What Should I Do To Obtain Online Loans On USBadCreditLoans?

Getting an online loan on USBadCreditLoans is as easy as a few clicks. Then we'll connect you instantly to lenders. Here are the steps to follow:

Submit the required information.

Key in your details into our secure online form and your application is done. Our partner lenders will use the information to appraise your application and generate a suitable offer.

Select one of the many lenders we listed.

Once you receive loan offers from our lenders, you can review them and compare interest rates, principal amounts, and other repayment terms and conditions. Select the offer that best addresses your cash needs and sign off the loan agreement.

Set up receiving information and get funds.

After fulfilling all the conditions for the loan, you will provide your bank account details for receiving the funds. Most lenders will credit your account with the loan amount in 24 hours. Some lenders may take up to 3 working days to credit your account.

How much would you like?

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How Long Does It Take To Receive My Fund?

In need of urgent loans? Wait no longer with USbadCreditLoans. Once your online loan application is received, our partner lenders check out your information and get their best offer for your specific financial situation. This usually takes a few minutes, and our partner lenders will forward an offer letter with the loan terms and conditions to you once it's approved. Depending on the lender, you can receive your funds into your account from 24 hours to 3 working days after accepting an offer. 


Is a payday loan secured or unsecured?

Payday loans are typically unsecured. Most online direct payday lenders will not require you to provide collateral like a car title or other valuable items. Instead, the lender will get you permission to directly debit your designated bank account for loan principal and interest when it falls due.

Can I get loans from USBadCreditLoans without credit checks?

Unfortunately no, as a credit check is a mandatory process of getting any loans. But there are still possibilities of getting loans even with a terrible credit history. Unlike traditional lenders, our partner lenders do not run a hard credit check (which runs down your credit score) before giving you the loan. However, interest rates for such loans are higher due to higher risk.

How much can I borrow from USBadCreditLoans?

Depending on your credit history and financial situation, you can obtain as low as a $100 loan, or as much as a $5000 loan from our group of online lenders. Other factors that could affect the loan amount you can get include your income, debts, and employment status. Lenders have to be sure that you can repay your loan comfortably.

How can USBadCreditLoans help me with payday loans?

At USBadCreditLoans, we don't give loans directly. Instead, we have a directory of online lenders who can offer you loans with the most favorable conditions. Our processes are easy and fast from the moment you apply online to when you receive money into your account. In some cases, you can get the funds the same day.

We only work with reputable state-licensed online direct lenders, so you don't have to worry about predatory loan practices. Most importantly, our lenders can offer you loans regardless of your credit history.

What if I can't repay my payday loan?

If you fail to repay your payday loan by the due date, you may be hit with late fees. And If you elect to roll over or extend the due date, you will still have to pay for the extension. When you still fail to pay after the extension, the lender may assign a collection agency to recover the funds from you.

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