About BetterLoanChoice.com

How we can help

Sometimes people end up in a difficult situation where immediate financial assistance is needed. At BetterLoanChoice we understand that. We have partnered with lenders who focus on providing loans to people with all types of credit.

Since 2001, our team has been dedicated to connecting borrowers with lenders. What we have learned is that bad credit problems aren't always your fault! Regardless of your situation we aim to help those who are in need of a loan. Through the years, our experience has allowed us to develop a unique approach to connecting borrowers with lenders.

What is "BetterLoanChoice"?

BetterLoanChoice is not a lender and we do not lend money. It is a service that connects people to lenders. For customers with good credit, we connect them with lenders with whom we believe will offer a lower rate. For customers with bad credit, we connect them with a lender or partner who we believe will either offer a loan or provide another offer beneficial to the customer. Not all lenders are available in all states.

What is "good credit" and what is "bad credit"?

When we use the words "good credit," we mean a credit score of 600 or above. Our service may direct you to different types of participating lenders including peer-to-peer lenders, traditional lenders, and installment lenders. Our participating lenders can charge APR rates ranging from 6.73% to 35.99% APR, but if you have bad credit we may be unable to connect you to our participating lenders, but we will still try to find a lender for you. When we use the words "bad credit," we mean a credit score less than 600.


Our service operates completely online, and based on the information you provide, our system will attempt to connect you with a lender. If you have good credit, you may be connected with a lender who is likely to provide you a loan offer. If you have a history of bad credit, we may be unable to connect you with our participating lenders. Although some of our partners may be able to help you improve your credit to the point at which you may qualify for loan. The decisioning takes mere seconds, and the process only takes the average user a few minutes to complete. During the course of your inquiry, we ask you to provide your credit score that you've obtained recently (within 30 days) or totally at your option, you may obtain a credit score from a credit monitoring service offered by one of our partners. This service is a paid service and all fees associated with the service will be disclosed to you if you choose to use it in order to obtain your credit score. The credit score provided to you by the service provider may not be the same credit score used the lender with whom you are connected. The service includes your credit score, credit monitoring, and your credit report on a monthly basis. You are under no obligation to use any credit monitoring service in order to be connected to a lender. Including your credit score in our form will better assist us in connecting you with a lender. In certain cases, we are directly compensated by the lenders only when you are funded. It is therefore in our best interest to get you funded.