Terms of Service & Legal Disclosures

Last Updated: March 2026

By using the services provided by BadCreditLoansNoCreditCheck.com, you agree to the following Terms of Service. Please read them carefully.

1. Service Disclaimer (Not a Lender)

BadCreditLoansNoCreditCheck.com is not a lender, a loan broker, or an agent for any financial institution. We do not make credit decisions, issue loans, or set interest rates. Our platform operates purely as a free matching service to connect consumers with a network of participating direct lenders.

2. "No Credit Check" & Credit Implications

While our platform does not perform hard credit inquiries, submitting your request means you authorize the lenders in our network to verify your identity and assess your creditworthiness. Many lenders in our network specialize in alternative credit scoring and may only perform a "soft pull" (which does not affect your FICO® score). However, some lenders may perform a traditional hard credit check through major bureaus (Equifax, Experian, TransUnion) before final approval. We do not guarantee that no credit check will be performed by the final lender.

3. APR, Fees, and Loan Terms

We do not have access to or control over the loan terms offered to you. Annual Percentage Rates (APR), repayment periods, and specific loan fees are determined solely by your matched lender based on your credit profile and state regulations. You are under no obligation to accept any loan offer. Please review all terms provided by the lender thoroughly before signing any loan agreement.

4. Eligibility Requirements

To submit a request through our platform, you must be at least 18 years of age, have a regular source of income, and be a legal resident or citizen of the United States with an active checking account.

5. Limitation of Liability

BadCreditLoansNoCreditCheck.com is not responsible for any issues, damages, or disputes that may arise between you and any lender. Any loan contract you enter is strictly between you and the respective lender.

6. Contact Information

For questions regarding these terms, please reach out to us at: admin@badcreditloansnocreditcheck.com