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Unsecured Loans for Good and Bad Credit

For fifteen years the team at BetterLoanChoice has been helping people with good and bad credit obtain personal loans. We do not make loans, do not accept loan applications, and do not make credit decisions. Instead, we attempt to connect you with participating lenders who offer loans. We are familiar with the lending marketplace and seek to connect you with those lenders who most likely can help you obtain a loan.


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?

BetterLoanChoice.com is not a lender, we do not make loans, we do not accept loan applications, and we do not make credit decisions. Instead, we connect you with participating lenders who offer loans. 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 and the information you provide, we may direct you to different types of participating lenders including peer-to-peer lenders and installment lenders.

How do I pay back my loan?

Some, but not all, of our participating lenders can set up automatic loan payments for you. These payments would come directly from your bank account. One benefit of an automatic payment arrangement is that, if sufficient funds to cover the payment are in your account, your payment will be made whether or not you remember to make it, which may help to keep you from from incurring any late payment fees.

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. If we request and obtain a credit report on you, it may negatively affect your credit score. BetterLoanChoice.com does not request or obtain a credit report. Instead, by submitting your information though our website, you are giving express authorization for only our participating lenders to conduct such a credit check on you in order to make a decision on your loan.

How much money can I borrow?

Our participating lenders offer loans of up to $35,000 to those customers who meet the highest of credit standards. Start now to find out the maximum amount any participating lenders with whom you are connected to might offer to you. Our process is secure, easy, and fast!

Can I really get a loan with bad credit?

It is possible! While not all customers qualify, some of our participating lenders have designed loan offerings for customers with impaired credit. Generally, however, if you have a credit score less than 500, we likely will be unable to connect you with a lender that can offer you a loan. If you do obtain a loan, pay on time and follow the rules that your lender provides to you – a failure to do so may harm your credit and lower your credit score with the credit reporting agencies.

How much does your service cost?

The services provided by BetterLoanChoice.com are completely free to you. We are paid directly by our participating lenders and through offers posted on our website For example, the website offers you the opportunity to participate in a 7 day trial for credit monitoring at a cost of $1. If you click on the offer and agree to participate, we receive compensation from the credit monitoring organization. This is just one example of how we may benefit from your use of 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. None of these fees and costs, however, are for the use of our Website or our services.

Personal Loan Types Available

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

  • Unsecured Loan
  • Installment Loan
  • Business Loan
  • Auto Loan
  • Short term, Single Pay (“Payday”) Loan
How am I connected with a lender?

BetterLoanChoice connects you with participating lender(s) based on the data you provide. Some lenders may respond to your inquiry based in part on your credit score, your income, employment, location, and other factors. When you are connected with a lender, you are not obligated to take a loan offer. Being connected to a lender does not guarantee that the lender will offer you a loan.