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Lending For Bad Credit Reviews

7.6

bestfor-icon Loan Comparison For Bad Credit

angelawatson
Written by Angela Mae

About Lending For Bad Credit | Read More

7.8

LS Score

7.4

Credibility

6.5

Support

7.2

Accessibility

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Contact Information Contact Information drop-down-btn
  • (833) 321-7764
  • Headquarters: 6709 W 119th St # 338. Overland Park, KS 66209
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Lending For Bad Credit Personal Loans Review

Lending For Bad Credit is an online platform that connects borrowers with direct lenders and lending institutions offering personal loans and cash advances. The company has a user-friendly website and is transparent about their terms and conditions. The application process is easy and the time to funding is typically fast — often within one business day.

Lending For Bad Credit Personal Loans Highlight

300

Min Credit Score

6.99-35.99%

APR. Fixed Rate

6.99-35.99%

APR. Variable Rate

$100-$40K

Loan Amount

Varies

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

N/A

Other Fees

Varies

Origination Fee

Varies

Prepayment Fee

1 days

Funding Time

Pros & Cons

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  • con-icon Funds direct deposited often within a single business day
  • con-icon Ability to compare a range of different options
  • con-icon Helps people with bad credit to get a loan
  • con-icon Good range of possible loan amounts
  • con-icon APRs can be high
  • con-icon Not too much info about lenders

Loan Purpose

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  • Credit Card Refinance
  • Debt Consolidation
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Relocation
  • Vacation
  • Wedding

Loan Type

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  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
View rates

Lending For Bad Credit Personal Loans Terms & Requirements

Each lending partner will have their own loan terms and requirements. However, most lenders require borrowers to make at least $1,000 a month and be currently employed (or self-employed). Borrowers may also need to have a current bank account and valid contact information (phone number, email, and physical address). These requirements are fairly lax for the industry, though they’re standard for other bad-credit lending platforms.

How to Apply

Lending For Bad Credit does not make lending decisions, but can connect you to their lending partners. To begin, click “Get Started” or “Start Now” on the website’s homepage. This will direct you to the application process, which takes a few minutes to complete. Here’s what you’ll need at this stage:

  • How much you want to borrow
  • Reason for the loan
  • Approximate credit score (range)
  • Employment status (ex. Employed, unemployed, benefits)
  • Payment schedule (ex. Twice a month)
  • Monthly income (range)
  • Whether you have a checking account and direct deposit
  • Zip code
  • Mailing address
  • Whether you own or rent your home
  • Time at your current address
  • Email address
  • Whether you have a vehicle registered in your name (and if it’s paid off)
  • Military affiliation (if any)
  • Current amount of debt you have
  • First and last name
  • Date of birth
  • Phone number
  • Social Security Number
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Step 1

Welcome screen

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Step 2

How much would you like to borrow?

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Step 3

How do you want to spend the money?

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Step 4

What is your estimated credit score?

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Step 5

What is your employment status?

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Step 6

How often are you paid?

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Step 7

What is your monthly income?

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Step 8

Do you have a checking account?

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Step 9

Do you have Direct Deposit?

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Step 10

What is your ZIP code?

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Step 11

What is your street address?

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Step 12

Do you own or rent your home?

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Step 13

How long have you been at this address?

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Step 14

What is your email address?

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Step 15

Do you have a vehicle registered in your name?

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Step 16

What is your Military Affiliation?

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Step 17

How much unsecured debt do you have?

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Step 18

What is your name?

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Step 19

What is your date of birth?

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Step 20

What is your phone number?

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Step 21

What is your Social Security Number?

After following the prompts, click “Submit.” Lending For Bad Credit may perform a soft credit pull to check your credit score, but this will not affect your credit. The company will then show you several loan offers from lenders in their marketplace, based on your application.

If matched with a lender, you will either receive a call from them or be redirected to their website to complete their loan application. Review the loan’s terms before agreeing to anything. Applying for a loan at this point could affect your credit score. You could receive funds to your account within a business day of being approved and accepting an offer.

Qualification Requirements

  • $1,000+ monthly income
  • Currently employed or otherwise receiving income
  • Minimum credit score (depends on lender)
  • Physical address and other contact information
  • Active bank account
  • Min. age: 18
  • Permanent resident or citizen

Required Information

You’ll need to provide some basic personal information, such as your full name, contact information (phone number, email address, mailing address), date of birth, and SSN. You may also need to provide documentation verifying your income, employment status, and residency.

Application Steps & Time Frames

  • Complete the online application form. This is free and takes a few minutes.
  • Get matched with a lender in the marketplace and review the information carefully.
  • If eligible for financing, apply for the loan and sign any required loan documents.
  • Receive funds as soon as one business day. This has become more standard in the industry.

State Availability

- Available in all states

angelawatson
Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.

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FAQ’s

What does Lending For Bad Credit offer?

Lending For Bad Credit does not offer direct loans, but you could qualify for personal loans or cash advances through their network of verified lending partners. Loan amounts range from $100 to $40,000.

Is a credit check required?

There may be a credit check when you apply for a loan or cash advance through a specific lender.

Does Lending For Bad Credit charge any fees?

No, there are no fees for using the company’s services. Individual lenders may charge their own fees, such as late fees, interest charges, no-payment fees, etc.

Customer Support

There are three main ways to contact Lending For Bad Credit:

  • Online contact form
  • Snail mail
  • Phone

When you submit the online contact form, you’ll need to provide your name, email address, and a message. It can take a couple of business days to receive a response. If you need a faster response, call the company at (833) 321-7764. The business hours are not clearly listed anywhere, but you may be able to reach them during regular hours Monday through Friday (Central Standard Time).

Lending For Bad Credit does not have an online chat form. They also do not offer a call back option or have a specific time-limit promise.

Since this is a referral service, the customer service is somewhat limited. Your experience with individual lenders within the network may vary.

Privacy & Security

Lending For Bad Credit is a secure platform in which borrowers can apply for loans or cash advances, review possible offers, and request additional information. The business is not a direct lender, so every lender or lending partner within the network will have its own privacy and security policies. Most of these lenders must follow federal and state law, but some adhere to federal and tribal law only. Any disputes with tribal lenders may have to be resolved within the appropriate tribal jurisdiction.

Lending For Bad Credit has a secure online website and application process. But like many other indirect lenders, the company may collect and sell your personal information to its network. They mainly do this to help find you the best lenders and offers for you.

Typically, the marketplace lenders must follow the Truth in Lending Act (TILA), which helps protect borrowers from unfair billing practices. TILA also requires lenders to clearly display loan costs so that borrowers can compare different loan offers with accuracy.

Lending For Bad Credit is not rated or accredited on the Better Business Bureau (BBB). The company does appear to be legitimate, but there is limited information on their reputation regarding privacy and security. That said, the business does have digital safeguards in place to protect your information. They are also transparent about what types of information they collect and how they use it.

In Conclusion

Lending For Bad Credit is a loan aggregator that makes it easy to compare personal loan and cash advance offers from different lenders in their network. These lenders (and any other financial service providers) are verified and located in different states throughout the U.S.A. The company specifically works with borrowers with bad credit or limited credit history. It’s also possible to get a loan through their network if you have fair credit or better.

Overall, Lending For Bad Credit is transparent about what they can — and cannot — do, as well as their privacy policy and terms of service. The downside is that the company has limited financing options and very few (or no) reviews on trusted sites like BBB or Trustpilot. The company also has minimal customer service, though each lender has their own customer service team.

Brand Disclaimer

THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and/or lending partners and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. The operator of this Website is not an agent, representative or broker of any lender and/or lending partner and does not endorse or charge you for any service or product, but may receive compensation from the lender and/or lending partner for forwarding your information to them. In some cases, you may be given the option of obtaining a loan from a tribal lender and/or lending partner. Tribal lenders and/or lending partners are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender and/or lending partner, please understand that the rates and fees may be higher than state-licensed lenders and/or lending partners and you may be required to agree to resolve any disputes in a tribal jurisdiction. Additionally, your information may be going to an aggregator and not a lender and/or lending partner. Your information can be sold multiple times leading to multiple offers from lenders and/or lending partners, and other marketers. Lenders and/or lending partners who buy your information may supplement it with additional information about you that they obtain from other sources. Not all lenders and/or lending partners can provide your requested type of loan and/or loan rate or terms, and we make no promises that you will be able to obtain a loan. Cash transfer times may vary by lenders and/or lending partners and local laws. Lenders and/or lending partners may perform a credit check to determine your creditworthiness. In some circumstances faxing may be required. For details, questions or concerns regarding your cash advance, please contact your lender and/or lending partner directly. Lenders and/or lending partners are solely responsible to you for all aspects of any loan request or loan transaction, including compliance with all applicable laws and regulations relating to your loan request form and any agreement or disclosures relating to your loan request form or loan transaction (including any adverse action notices or Truth-in-Lending Act disclosures). If you are not connected with a lender you may be connected with other financial service providers that offer products associated with your selected loan purpose. Residents of Connecticut, New Hampshire, Washington, and Vermont are not eligible to submit a request for a cash advance on this Website. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Short-term loans are an expensive form of credit and not a long-term financial solution. Please use short-term loans responsibly. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680
Online Lenders Alliance: When you see the OLA seal, you can trust you’re working with a company committed to the highest standards of conduct dedicated to ensuring the best possible experience for their customers, fully compliant with federal law, and working hard to protect consumers from fraud.
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