Is Legit? Everything You Need to Know

Andrew Reyes
A loan representative using a computer, which displays a screen that reads "personal loan agreement." is an online portal that compares personal loan offers for individuals with bad credit. The site itself doesn’t offer loans; instead, it is a resource for those with bad credit to find the best loan possible.

Users can request loans between $500 and $10,000. connects borrowers with lenders and allows borrowers to compare and contrast their loan offers.

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How Works is a fairly easy-to-use site. To begin, users will need to fill out a basic form. uses the form to instantly connect the borrower to lenders who are likely to approve the borrower’s loan.’s application requires the following information:

  • Name and address;
  • Credit score;
  • Reason for the loan;
  • Employment and income;
  • Social Security number;
  • Driver’s license.

There is no application fee to use Once you’ve filled out the application, the site determines if you’re eligible for a loan offer from their vast network of lenders.  

If approved, the borrower can browse through a list of lenders who are likely to approve the loan. The borrower can choose a loan that fits their situation and finalize their application on the lender’s website.

Benefits of Using has many benefits that set it apart from other online lending portals. Some of the most notable benefits include:

Free to Use is completely free. There are no hidden fees to stumble upon in the final moments of your application. Instead, you’ll find a simple, free process that links you directly with lenders.

The site will ask for personal information in the application, but it will never charge your bank account with any fees. will keep your personal information private from any lenders until you sign a loan contract.

Fast Online Process helps borrowers to find their loans as quickly as possible. When you open on a web browser, the site prompts you to enter your requested loan amount and then takes you directly to the application.  

The application walks you through several clearly labeled steps, making it easy to keep track of the information. Once you’ve completed the application, the site shows you a list of lenders.

The entire process is fast and straightforward. Borrowers can connect with a lender within a matter of minutes if their application is approved.

Ability to Compare Loans

Borrowers can compare loans from a list of lenders. This allows the borrower to get the best annual percentage rate (APR) on their loans and find lenders willing to work with their situation.

The first lender on the list might not offer the right loan amount. If that’s the case, the borrower can simply move onto the next loan offer without beginning their application process from scratch.

By comparing loans, borrowers can get the best deal available.

Drawbacks of Using has several drawbacks that borrowers should consider. Here are the most notable drawbacks to using

Low BBB Rating

The Better Business Bureau (BBB) rates businesses based on customer satisfaction to help consumers find trustworthy businesses. They give letter grades to more than 5.4 million companies to represent the business’s responsiveness to customer complaints and the business’s transparency. has a BBB rating of “F” and is not a BBB-accredited business. There are many reasons why has a low BBB score, including that the business is not active on BBB. However, for those who weigh BBB scores heavily,’s low score is important to consider.

High APR

Borrowers can find loans between $500 and $10,000 with APR ranges between 5.99% and 35.99% on The APR varies from lender to lender and is higher than average because offers loans for borrowers with bad credit scores.  

The loan terms are also shorter, with a 90-day minimum and a 72-month maximum. If you take out a $10,000 loan, your maximum repayment term will be six years.

Should You Use has a fast application process and connects borrowers with lenders within a few short minutes. They are a good option for borrowers with bad credit since the site allows the borrower to compare and contrast different loan options.’s application process also ensures that borrowers are likely to be accepted by the lenders listed on the site. only connects the borrower with lenders who accept bad credit scores and offer the right loan options (based on the borrower’s application). doesn’t offer loans. Instead, the site connects the borrower with lenders who may accept the borrower. It’s important to note that the site does not guarantee that the lender will accept the borrower, meaning there’s a chance the lender could reject you even if suggested the lender. is a good option for:

  • Those with bad credit scores;
  • Those looking for fast loans;
  • Those who want to compare loan options.  

However, it is not a good option for:

  • Those with good credit scores;
  • Those who cannot afford high APRs;
  • Those with Very Poor credit who cannot afford more debt.

Borrowers should not consider a loan if they have existing debt and cannot repay their current debts.’s short repayment term options mean that borrowers will have higher monthly payments — those who struggle to repay their debts could struggle paying back the lenders they find through

Before taking out a loan, use a personal loan calculator to verify your capability to afford a new loan.  

Learn more today and find out if is right for you.

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