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Good and Bad Credit Unsecured Personal Loans!
For over 12 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. Our lending partners 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 you in less than 24 hours. Even if you have bad credit, we have lenders that may be able to help get you a loan. Apply now to find out!
Bad Credit Loan Matching
Better Loan Choice will analyze the information you provide in your application and match you to an appropriate lender. Finding loans for borrowers with bad credit can be challenging, but through our network of lenders, we have been successful. Although we are always able to match an applicant with a lender, this does not guarantee that you will receive a loan offer. If you are matched with a payday lender (also known as a "cash advance lender"), we recommend that you review all of the information on our website that explains the disadvantages of payday/cash advance loans and all fee and rate information from any payday/cash advance lender pertaining to any loan being offered to you before you agree to the terms of the loan from any lender.
When you are matched with one of our traditional lenders, you can expect your APR to range from 6.50% to 36.00%.
Personal Loan Information and Security
Peer to Peer Lenders
When you are matched with one of our Peer to Peer Lenders, you can expect your APR to range from 6.59% to 35.84%.
If you are matched to a short-term lender please read the following important information:
Consumer Notice: A cash advance, also referred to as a payday loan or payday advance, is a small, short-term loan that is intended to cover a borrower’s expenses until the following payday. Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult the federal, state, and local governments to learn more about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives and recent developments in their state. Consumers with credit difficulties should seek credit counseling, which we do not provide.
Payday or Cash Advance Lenders
When you are matched with one of our payday lenders, you can expect your APR to range from 353.23% to above 700%.
When you are matched with one of our short-term lenders, you can expect your APR to range from 199.44% to 448.76%.
The following is a representative of our network of participating lenders: If you are unable to repay your loan in a timely manner, you may be assessed one or all of the following, according to the terms of lenders - late fees, administrative fees, non-payment fees, insufficient fund fees, court costs, and legal fees. In addition, unpaid fees may accumulate interest. The lender you are matched to will disclose all potential fees. Fees may range from $25 to $2,000 based on applicable state law maximums.
If you are unable to repay your loan, collections efforts will be undertaken in accordance with the terms of your lender but may begin immediately. Collections practices vary by lender, and all lenders are subject to the Fair Debt Collection Practices Act. For example, debt collection efforts may include the following: telephone calls to your home or place of employment between the hours of 8:00 a.m. and 9:00 p.m., voicemail messages, notices by mail, and door to door. However, debt collectors may not harass you, make false statements, threaten arrest, or engage in any other unfair practices.
Credit Score and Timely Payment Implications
Please take time to understand the ramifications - set by the terms and conditions of your lender - if you fail to make timely payments. For example, if you fail to pay your loan on a timely basis, your lender may report your delinquency to a credit reporting agency. If the lender reports your delinquency, your credit score may decrease. If your credit score decreases, your cost to borrow in the future may become more expensive and, depending your level of debt and other factors, you may be unable to borrow money from any lender in the future. Please be aware of the implications of failing to make timely payments. You should ask your lender - if you are approved - specific questions regarding ramifications about timely paying back your loan.
Depending on the lender you are matched to and in accordance with state regulations, you may be able to renew your loan. Your loan agreement may give you the option to renew your loan manually or automatically. In some cases there may be administrative fees associated with renewals. Renewal fees may range from $20 to $100 depending on the size of your loan and your matched lender's terms. Review the section titled Financial Implications if your renewal is connected to your inability to repay the original loan. Again, please become familiar with the terms and practices of your lender.