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What our customers are saying:

"Easy lending process & super friendly staff!" - Keya B.
"Service was excellent! Spoke with a live person after initial process. I liked that. No hidden surprises. I would recommend them to others. Five Stars!" - Patricia F.
"This process was very quick and easy. After filling out the initial application, which took about two minutes, I was matched with multiple loan offers in about an hour. I didn't have to wait on site, they sent me email notifications whenever I had a loan offer. When i accepted a loan offer, a representative from the financial institution contacted me within 15 minutes, and i literally had my check within 8 hours. This could not possibly be any easier. I highly recommend this service." - Gabriel T.
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Loan Types Available

Below are the different types of loans offered by our participating lenders.

  • Personal Loan
  • Auto Loan
  • Short Term Personal Loan
  • Business Loan
  • Installment Loan

Loan Calculator

Use our simple loan calculator to calculate your monthly payment!

Good and Bad Credit Unsecured Personal Loans

For over 15 years the team at BetterLoanChoice has been helping people with good and bad credit get approved for personal loans. Our system is fast, safe and secure. The lenders provide loans that can be used for anything! Student Loans, Business Loans, Debt Consolidation, RVs, Plastic Surgery and anything else you may have a need for. In many cases, our lenders can get you the cash in less than 24 hours. Even if you have bad credit, our process may be able to help get you a loan. Apply now to find out!


Below you can find some common answers to questions we get every day. If you do not see an answer to your question here you can always chat with one of our representatives (if online), call our toll free number or email customer service. More questions and answers can be found on our dedicated FAQ page.

Who are the lenders? is not a lender, we do not make loans and we do not make credit decisions. Instead, we attempt to match you with participating lenders who offer loans. If you have a history of bad credit or were denied by good credit lenders, we will share your application with a larger pool of lenders through a process which uses third-parties to introduce your application to a larger pool of lenders. The lenders can offer unsecured or secured personal loans, including auto loans, loans after bankruptcy, medical loans, vacation loans, motorcycle loans, and loans for other needs. Based on certain criteria - based on the information you provide, we may direct you to different types of participating lenders including peer-to-peer lenders, traditional lenders, and short-term lenders. Some of these lenders may operate outside of the legal jurisdiction of the United States.

How do I pay back my loan?

Some, but not all, lenders can set up automatic loan payments for you. These payments would come directly from your bank account. The benefit of an automatic payment arrangement is that, as long as the money to cover the payment is in your bank account, your payment will be made whether or not you remember to make it, which may help to keep you from defaulting and from incurring late payment fees, depending on the terms and conditions established by your lender.

Why do you ask for my credit score? I thought you said no credit check.

We ask you to tell us your credit score because we do not run a credit check on you. A credit check or obtaining a credit report, may affect your credit score and is a specific request made to one (or all) of the 3 major credit bureaus. We at do not pull your credit report. Your lender may do so with your permission.

How much money can I borrow?

Loans may be up to $25,000 for applicants who meet lenders’ specific credit requirements. Apply now to find out the maximum amount any participating lender might offer to you. Our application is secure, easy, and fast!

Can I really get a loan with bad credit?

Yes! While not all applicants qualify, some of our participating lenders offer programs that do not require a credit check, so even if you have less than perfect credit, you may still qualify for certain types of loans. Generally, if you have really bad credit, a credit score less than 500, we will be unable to match you to a traditional or peer-to-peer lender. You will most likely be matched with a short-term lender. If you do obtain a loan, make sure to pay on time and to follow the rules that your lender provides to you – your failure to do so may harm your credit since the information could be given to the credit reporting agencies.

How much does your service cost?

Our services provided by are completely free to you. We are paid directly by our participating lenders and through other offers on our website, including the offer to participate in a 7 day trial for credit monitoring. We benefit financially when you are approved for a loan by one of our participating lenders or when you read or click on certain information on our website. For example, if you go to Legal Zoom by clicking on the ad that we run on this website, we may receive a "conversion fee." This is just one example of how we might benefit from you using our website. Once you are approved for a loan, the approving lender will notify you of the rate and of any fees and costs associated with the loan you are being offered.

How are lenders matched?

Some lenders may respond to your application based in part on your credit score. If you have bad credit or were denied by our good credit lenders, we have partnerships with third-parties who have relationships with a larger pool of lenders. As a result, additional lenders have the opportunity to respond to your loan application through a bidding process. We do not control how lenders set rates and cannot guarantee that the interest rate for your loan will be a function of your credit score.

The Truth About Advance-Fee Loan Scams

Advance-fee loan sharks are preying on unwary consumers, taking their money for the promise of a loan or credit, and leaving them in hot water. The scam artists often impersonate legitimate lenders to entice consumers into falling for their bogus offer.

According to law enforcement agencies in the U.S. ads and promotions for advance-fee loans suggest — or even “guarantee” — that there’s a high likelihood that a loan will be approved, regardless of the applicant’s credit history. But to take advantage of the offer, the consumer has to pay a fee. The catch? The scam artist takes off with your fee, and the loan never materializes.

Many advance-fee loans are promoted online or in the classified sections of daily and weekly newspapers and magazines. Often, the scams feature toll-free 800, 866, or 877 numbers. The loans also are promoted through direct mail, radio, and cable TV spots. The fact that an ad is in a legitimate media outlet — like the local newspaper or radio station — doesn't guarantee that the company placing it is trustworthy.

Legitimate offers of credit do not require an up-front payment. Although legitimate lenders may charge application, appraisal, or credit report fees, the fees generally are taken from the amount borrowed. And the fees usually are paid to the lender or broker after the loan is approved. Legitimate lenders may guarantee firm offers of credit to “credit-worthy” consumers, but first, they evaluate the consumer’s creditworthiness and confirm the information in the application. Canadian law enforcers caution that it is highly unlikely that legitimate Canadian lenders would take a risk on U.S. citizens whose credit problems preclude them from getting a loan in the U.S.

Often, advance-fee loan sharks claim that their fees will go to a third party for credit insurance or a related service. Sometimes, they even email or fax materials using stolen or forged logos and letterheads from legitimate companies. The materials are fakes, according to enforcement officials, and the contracts the scam artists ask consumers to sign are worthless. Adding insult to injury, some scammers have used the information they collect from consumers to commit identity theft.

Often, advance-fee loan scammers direct applicants to send the fees via Western Union money transfers payable to an individual, rather than a business. They ask applicants to use a “password code” with their Western Union payment, which allows the scammers to hide their identity.

U.S. law enforcement says consumers can avoid being taken by advance-fee loan sharks. Here’s how:

Don’t pay for the promise of a loan. It’s illegal for companies doing business by phone in the U.S. to promise you a loan and ask you to pay for it before they deliver.

Ignore any ad — or hang up on any caller — that guarantees a loan in exchange for a fee in advance.

Remember that legitimate lenders never guarantee or say that you will receive a loan before you apply, or before they have checked out your credit status or contacted your references, especially if you have bad credit or no credit record.

Don’t give your credit card, bank account, or Social Security number on the telephone, by fax, or via the Internet unless you are familiar with the company and know why the information is necessary.

Don’t make a payment to an individual for a loan; no legitimate lending organization would make such a request.

Don’t wire money or send money orders for a loan through Western Union or similar companies. You have little recourse if there’s a problem with a wire transaction. Legitimate lenders don’t pressure you to wire funds.

If you are not absolutely sure who you are dealing with, get the company’s number in the phone book or from directory assistance, and call it to make sure you’re dealing with the company you think you are. Some scam artists have pretended to be the Better Business Bureau or another legitimate organization.

If you think you’ve been a victim of an advance-fee loan scam, report it to the FTC online at or by phone, toll-free, at 1-877-FTC-HELP (1-877-382-4357).

Finding Low-Cost Help for Credit Problems

It’s a good idea to try to solve your debt problems with your creditors as soon as you realize you won’t be able to make your payments. If you can’t resolve your credit problems yourself or need additional help, you may want to contact a credit counseling service. There are nonprofit organizations in every state that counsel and educate individuals and families on debt problems, budgeting and using credit wisely. There is little or no cost for these services. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs. Check the white pages of your telephone directory for a service near you.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

- Source: Federal Trade Commission is not a lender and does not offer loans. will not contact you regarding a lending decision. It is the responsibility of each lender to contact you. If someone contacts you on behalf of by email, please make sure that the email is from an email address, such as No one from will contact you by phone unless you directly request it. representatives do not call customers to offer loan products. If you have any questions or concerns, please contact us at