About us

What You Should Take into Consideration

Please, bear in mind that our service is absolutely free. We do not oblige our users to pay for our services. Nevertheless, we want to remind you that you should read attentively all terms offered by the lender before you accept a decision to take a loan. To look through the in-depth information about the terms, please, visit our Responsible Lending Web pages.

Percentage and Finance Charges

We don’t oblige you to yield to the conditions offered by the lending company. You are free to select the most profitable offer for you. Furthermore, the loan provider must inform you about the percentage rate and other extra fees you have to pay. We don’t know the exact information about the lending rates. Please, inquire these data of a lender.

How Payday Loans Influence the Credit History

The major purpose of our matching service is to find a lender who will give you the needed sum of money on the most profitable terms. We do not make loan decisions, but we offer a credit inquiry to our clients. In some instances, the loan providers employ with the services of Experian, Equifax or Trans Union credit bureaus. They do it with the goal to find out the information about the customer’s eligibility to payday loans.

BadCreditLoanApply.com also does a credit check. In case, you cannot pay back a loan on time or refuse to retire debts, the lender may report to one of the above-mentioned establishments. As a result, your credit reputation will be changed and not for the better. To avoid this, we recommend our customers to defer to the services of different credit counseling companies.

Information for Those Who do Not Pay Loans on Time

Taking a loan, you agree with the credit conditions offered by the lender. You assume the obligation to pay it back (comprising all additional charges) in a certain time period indicated in the documents. You should be aware of the fact that in case you do not pay the loan back on time, you will be made to pay some extra fees. We wish to remind you that BadCreditLoanApply.com helps you find a lender but doesn’t control your agreements with the lending company. We cannot tell you the exact amount of penalties you will be made to pay in case you cannot pay a loan back in due time or in full. We do not control the terms of collaboration between the lender and the borrower. You should search for the detailed information about the nonpayment policy in the loan documents. Nevertheless, we want to ensure you that we cooperate with authoritative lending companies only.

The Terms of Loan Renewals

Before you accept the loan proposition, the lender must present you the loan recovery policy. Generally, its details fully depend on the state you live in. Each borrower must learn this information before entering into a contract with the loan provider. You have to know that if you take a short-term loan, you should take it as the best tool to cover overhead costs. Besides, its duration period is short.

BadCreditLoanApply.com recommend you to repay any loan type on time and in full. In case you consider that because of some reasons you cannot call in a credit in the future, before taking a loan, you need to search for the other alternatives to find cash.

Collection Practices

One more time we want to tell you that we are an exceptional matching service, we do not give credits. So, we have nothing to do with collection practices. Besides, they vary depending on the lending company you choose. You can look through the data about the collection practices in the loan documents. Prompt for this information from a loan provider. If you have any questions related to this issue, put them to a lender. We just want to invite your attention to the fact that BadCreditLoanApply.com cooperates with reliable lenders only!