Bad Credit Loans
BadCreditLoans.com is a free online loan marketplace, founded in 1999 and operated by Great LLC in Tacoma, Washington. It connects U.S. consumers with bad credit to a network of lenders across seven loan verticals, plus debt relief, credit repair, and credit monitoring providers, earning revenue through lender referral fees.
- Company typePrivate
- Founded1999
- HeadquartersTacoma, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Bad Credit Loans does
Bad Credit Loans (BadCreditLoans.com) is a free online loan marketplace operated by Great LLC, headquartered at 2661 N Pearl St #431 in Tacoma, Washington, and founded in 1999. The platform connects U.S. consumers with poor or limited credit history to a network of lenders and, when no direct match exists, to an extended network of third-party non-lender lender networks. It is not a lender and does not make credit decisions; it acts as a lead generation and matching intermediary. For consumers who do not qualify for a loan, the platform also routes them to adjacent providers offering debt relief, credit repair, and credit monitoring services.
The product surface spans seven loan verticals — personal loans, credit cards, business loans, student loans, auto loans, home loans, and mortgage loans — with request amounts typically between $500 and $10,000 and repayment terms from 90 days to 72 months, alongside the three adjacent credit-related services. The underlying technology is a self-serve online form paired with an automated lender-matching engine; the company cites advanced encryption for data protection and 24/7 availability as the main technical differentiators. No public API, SDK, or mobile application is offered. Distribution is entirely digital, centered on the BadCreditLoans.com website, supported by SEO-optimized educational content and email marketing.
Revenue is generated exclusively through affiliate referral economics: lenders and third-party providers compensate the company for sharing borrower information and marketing their products. The service is offered at no cost and without obligation to consumers. Customer concentration is diffuse on the demand side (individual borrowers across the U.S.) and concentrated on the supply side (a curated network of lending partners), and the company is a member of the Online Lenders Alliance (OLA).
Bad Credit Loans firmographics
Firmographics- Name
- Bad Credit Loans
- Legal name
- Great LLC
- Website
- https://badcreditloans.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- BadCreditLoans.com is a free online loan marketplace, founded in 1999 and operated by Great LLC in Tacoma, Washington. It connects U.S. consumers with bad credit to a network of lenders across seven loan verticals, plus debt relief, credit repair, and credit monitoring providers, earning revenue through lender referral fees.
- Ownership category
- akta.pro rank
Bad Credit Loans industry classification
Industry- Product category
- Online Consumer Lending Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industries
- Subprime Installment Loans (Non-Prime Personal Loans) (FSAKAOAA), Near-Prime Unsecured Personal Loans (Installment) (FSAKAAAB)
Keywords
Where Bad Credit Loans is headquartered
LocationHeadquarters
- HQ city
- Tacoma
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Bad Credit Loans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Marketing or Sales, Technology or R&D, Personnel, Operations
Revenue model
- Lender Compensation: The company receives financial compensation from lenders, third-party lender networks, and other consumer financial service providers in exchange for connecting consumers with them, sharing consumer information, and marketing their products and services.
- Marketing Fee Revenue: Revenue generated by sharing consumer loan request information with lenders and third parties who pay for access to qualified borrower leads. The company compensates for customer acquisition.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free consumer loan matching service - no cost to borrowers |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Bad Credit Loans product offering
Product offeringCore offering
BadCreditLoans.com operates as a free online loan marketplace that connects consumers with poor credit to a network of direct lenders and extended third-party lender networks. Consumers complete an online loan request form, and the platform matches them with lenders offering personal loans ($500 to $10,000, 90 days to 72 months) and adjacent credit-related services such as debt relief, credit repair, and credit monitoring. The company itself is not a lender.
Product overview
BadCreditLoans.com operates as a free online loan marketplace connecting borrowers with bad credit to lenders through a network-based platform. The core offering is the loan request form that matches applicants with lenders offering Personal Loans, Credit Cards, Business Loans, Student Loans, Auto Loans, Home Loans, and Mortgage Loans. When direct loan offers are unavailable, the platform also facilitates connections to adjacent services including Debt Relief, Credit Repair, and Credit Monitoring. The company is not a lender itself but acts as an intermediary marketplace, earning revenue from lenders and third-party providers while providing services at no cost to consumers.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loans
Quantifiable outcome
- Funds can be received as soon as next business day for approved loans
- +1 more outcomes
Companies that use Bad Credit Loans
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles1 record
Bad Credit Loans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Bad Credit Loans partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core, secondary and minor.
- Extended Lender NetworkscoreIf consumers are not matched with a lender in the company's direct network, their loan inquiry is shown to extended networks of third-party non-lender lender networks to help find a willing lender. This extends the reach and matching capability of the platform.
- Lenders and Financial Service ProviderscoreThe company passes consumer loan request information to lenders and third-party providers who may offer loans or financial services. Lenders compensate the company for these consumer leads and potential loan customers.
- Debt Relief, Credit Repair, and Credit Monitoring ProviderssecondaryFor consumers who do not qualify for loans, the company may connect them with providers offering debt relief, credit repair services, and credit monitoring products. These providers may also compensate the company for referrals.
- Online Lenders Alliance (OLA)minorAs a proud member of the Online Lenders Alliance (OLA), the company demonstrates commitment to consumer protection and industry standards. The OLA consumer hotline (1-866-299-7585) provides consumer resources for questions on lending or reporting fraud.
Scale indicators4 records
Recent moves4 records
Expansion highlights4 records
Bad Credit Loans competitors and assessment
Company assessmentDirect peers
- Lendio: Lendio runs an online small business loan marketplace connecting business borrowers with multiple lenders. While its primary focus is business credit rather than consumer, the marketplace broker model and lender-referral revenue are directly comparable to Bad Credit Loans' approach.
- Fiona: Fiona (formerly known as LoanBright) is an online marketplace that aggregates personal loan, credit card, and other financial product offers from multiple lenders. It operates on a similar affiliate referral model targeting consumer borrowers with credit needs.
- Finder: Finder.com is a personal finance comparison marketplace that connects consumers with lenders, credit cards, and banking products and earns affiliate referral fees. It shares Bad Credit Loans' lead-generation marketplace model and product breadth, though it serves a wider credit spectrum.
- LendingTree: LendingTree operates a leading online loan marketplace connecting consumers with multiple lenders across personal loans, mortgages, auto loans, and credit cards. It is the closest direct competitor to Bad Credit Loans in marketplace lending, though it serves a broader credit spectrum including prime borrowers.
- Credible: Credible operates an online marketplace where consumers can compare personal loans, student loans, mortgages, and credit cards from multiple lenders. It uses the same lender-referral business model as Bad Credit Loans, though Credible leans toward more creditworthy borrowers.
- Personalloans.com: Personalloans.com is an online loan matching service that connects consumers with lenders willing to offer personal loans across a range of credit profiles. It competes head-to-head with Bad Credit Loans in the consumer loan referral space.
- Even Financial: Even Financial operates a financial product search and recommendation platform that connects consumers with lenders across personal loans, credit cards, and banking products via API. It uses a similar referral-based revenue model to Bad Credit Loans and competes for the same lender demand.
Broad incumbents
- Credit Karma: Credit Karma is a large-scale personal finance platform offering free credit scores, credit monitoring, and product matching across loans and credit cards. It overlaps with Bad Credit Loans in connecting consumers to lenders and credit-related products, but operates at significantly greater scale and breadth.
- NerdWallet: NerdWallet is a consumer finance comparison platform that matches users with credit cards, loans, and other financial products and earns affiliate referral fees. While it serves a wider financial content audience and a more prime-skewing customer base than Bad Credit Loans, the affiliate-driven marketplace model is closely comparable.
Emerging players
- OppLoans: OppLoans (now OppFi) is a direct online lender serving near-prime and subprime consumers with installment loans. While it funds loans itself rather than brokering them, it targets the same borrower demographic and overlaps with Bad Credit Loans' customer base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Bad Credit Loans social profiles
Digital presenceBad Credit Loans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bad Credit Loans leadership team
Management profileNumber of profiles
Bad Credit Loans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bad Credit Loans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bad Credit Loans
What does Bad Credit Loans do?
BadCreditLoans.com operates as a free online loan marketplace that connects consumers with poor credit to a network of direct lenders and extended third-party lender networks. Consumers complete an online loan request form, and the platform matches them with lenders offering personal loans ($500 to $10,000, 90 days to 72 months) and adjacent credit-related services such as debt relief, credit repair, and credit monitoring. The company itself is not a lender.
Is Bad Credit Loans a public or private company?
Bad Credit Loans is a private company. It is classified as unknown and is currently operating.
When was Bad Credit Loans founded?
Bad Credit Loans was founded in 1999. It employs 1 to 10 people.
Where is Bad Credit Loans based?
Bad Credit Loans is headquartered in Tacoma, United States, in the North America region.
How does Bad Credit Loans make money?
Two revenue lines are on record. Lender Compensation is the primary driver. The others are marketing Fee Revenue.
Who are Bad Credit Loans's main competitors?
Direct peers on record are Lendio, Fiona, Finder, LendingTree, Credible, Personalloans.com and Even Financial. Broad incumbents are Credit Karma and NerdWallet. OppLoans is listed as an emerging player.
Does Bad Credit Loans have an API?
No public API is recorded for Bad Credit Loans.
What industry is Bad Credit Loans in?
Bad Credit Loans's product category is Online Consumer Lending Marketplace. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAOAA, Subprime Installment Loans (Non-Prime Personal Loans). Its NAICS code is 52231 and its SIC code is 6163.