BadCredit.com: Your One-Stop Source for Financial Assistance
These days, a consumer’s credit rating counts for a lot, and it seems like every time you turn around, someone else is checking your credit. Banks, credit card companies and various types of lenders of course make it a habit to check into an individual’s credit history when that person is applying for a loan or credit card, but insurance companies, landlords and even employers routinely look into individuals’ financial backgrounds as well. And what are they generally hoping to find in their investigations? That you have good credit, which can magically open the door for you to whatever they are offering.
But what if you, like so many nowadays, have decidedly less-than-perfect credit, or maybe even no credit at all? Well, normally that can pose a significant obstacle to your being able to acquire such things as a home loan, credit card, new apartment, better job, or anything else for which exemplary credit can be a prerequisite. Thankfully, however, there is a simple solution to your problem: taking advantage of what BadCredit.com has to offer, and going through us to get the help you need.
Not only can we connect you with lenders and credit card companies that will be able to provide you with fast financial help, but we can also direct you to companies that provide a variety of services and items designed to assist you in fixing your financial situation and shoring up your credit standing so you can ultimately avail yourself of more opportunities in all kinds of arenas.
Representative APR Range
BadCredit.com is not a lender and does not provide short-term loans but refers consumers to lenders who may provide such loans. BadCredit.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to the information supplied by you in your loan request and your lender. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. For help with any BadCredit.com related services consumers may Contact Us.
The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on.
BORROW $200 FOR 14 DAYS WITH A $30 TO $60 LENDER FEE. YOUR ESTIMATED APR IS 391% TO 782%*
Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.
*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low End of Range: ($30 / $200) * (365 days / 14 days) x 100=391.07%
High End of Range: ($60 / $200) * (365 days / 14 days) x 100=782.14%
Loans to Fit Your Needs
If you need a loan, look no further than BadCredit.com. We are partnered with a vast network of reputable lenders offering various kinds of loans to consumers with poor or nonexistent credit. Need some quick cash to take care of an emergency medical expense? A payday loan may be just what the doctor ordered. Or perhaps you require some help with a considerably larger expense: the purchase of a new house. In that case, a home loan would fit the bill. Depending on your circumstances, you could also be looking for any one of a number of other loan types. Whatever you’re seeking, we can get you to the right lender.
The loan process through BadCredit.com is fast and hassle-free. To get started, all you have to do is go to the Loans section of our website and take a few minutes to fill out our simple application form, providing just some basic personal information. There is no need for you to submit extensive paperwork. Also, you don’t need to meet a laundry list of exceedingly strict eligibility requirements to be able to apply for help. Our requirements are simple and designed to make loans accessible to the largest number of people possible.
Once you’ve submitted your application and we’ve preapproved you, we’ll redirect you to lenders in your area, who will have competitive offers waiting for you. You can browse these offers at your leisure, and if one strikes your fancy, then you can proceed accordingly. And depending on the type of loan it is, you could have funds in your hands within just hours.
Credit Cards Running the Gamut
If a credit card is more what you’re looking for, then we can help you there as well. We are partnered with a number of credit card issuers offering cards designed specifically for consumers with less-than-stellar credit. Here on our site, you will find competitive offers for prepaid, secured and unsecured credit cards. The different cards vary in terms of their annual percentage rate, fees, and whether or not they require you to secure them with a cash deposit.
To apply for a credit card through BadCredit.com, you simply have to visit the Credit Cards section of our site and follow the simple steps outlined there. Be sure to take some time to carefully compare the different offers that are available. If you do so, you are bound to find one that will work for you. And remember, you can use a credit card not only to make purchases, but also to build up your credit.
Besides helping consumers get loans and credit cards, we also connect people with companies offering various services and items aimed at helping them fix their financial situation and improve their credit rating so they can have a greater range of options in the future. Among these offerings are debt consolidation, debt settlement, credit repair and free credit reports. If you are dealing with dire debt or other issues that are seriously impacting your credit rating, you can visit the appropriate sections of our site and investigate the aforementioned options, all of which have the potential to help consumers tremendously.