Often times, the problem is not getting a loan with bad credit but with getting a lender willing to be transparent about fees and rates and who is ready not just to look at you as your credit score. Getting best bad credit loans also implies avoiding lenders and common scams which could drown you in a pool of debt. We have done a thorough research on companies solely devoted to lending to individuals known to have some inconsistencies in their credit report. Why you should sign up • Borrowers are able apply for a loan up to $1,000 • Vast network of lenders willing to give loans • Application is free and demanding no credit report Why you should look elsewhere • Very high APRs from 230% to up to 2,330% • Mostly limited to $1,000 or less. Best Secured Bad Credit Loans Why you should sign up • Suitable for borrowers with a credit of less than 600 • Has over 1,800 branches • Has been around for more than 95 years, and accredited A+ by BBB Why you should look elsewhere • Vague about potential loan amounts and APRs • Available in only 44 states. Best Peer-to-Peer Bad Credit Loans Why you should sign up • For borrowers with mid-term tier credit, APRs are not really advertised • You can borrow up to $25,000 • Very clear on potential APRs, loan amounts, and fees. Why you should look elsewhere • Here, the borrower will need a better credit score than other the other lenders • Loans are not secured • Not accredited by BBB • Loans takes time to be funded and also attracts several fees Best Unsecured Bad Credit Loans Why you should sign up • This service is available in 47 states • No delay in funding loans • No charge to originate loan. • Borrowers can get up to $35,000. • One to four years payment plan • Rated A+ by Better Business Bureau Why you should look elsewhere • Loans are not secured • You need a credit score of at least 580 Conclusion For unsecured loans, I particular recommend Avant while for your secured loans, I would recommend OneMain but for your peer to peer loans, you should go for the Peerform. However, they are all reputable lenders who want to work with borrowers having imperfect credit score as they are likely to receive better interest rates than those with perfect credit scores. Always remember to keep your expectation realistic and if you can, think outside the loan box for better ways to get money.