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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. Begin 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 inquiry with a larger pool of lenders through a process which uses third-parties to introduce your inquiry 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 customers who meet lenders’ specific credit requirements. Start now to find out the maximum amount any participating lender might offer to you. Our process is secure, easy, and fast!

Can I really get a loan with bad credit?

Yes! While not all customers 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 inquiry 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 inquiry 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.