Bad Credit Personal Lending Disclosures

Disclosure and Rates
Federal Disclosure Requirements

Regulation B in Federal Law prohibits the consideration of Age, Sex, Race, Ethnicity, Gender, National Origin, or Handicap as a basis for making anyone a loan (as in our cash advance program). The lenders this site refers users to, do not discriminate based on any of these factors. In addition Bad Credit Personal Loan will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.

Regulation Z in Federal Law requires the full disclosure of all costs and terms associated with any credit purchase or transaction (such as this cash advance) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R. Below all costs, terms and rates associated with a sample program based upon a finance charge of $25 per $100 loan. (Fees vary by lender)

Federal Truth in Lending Act (T.I.L.A.)

Terms and Conditions

Amount  Borrowed	Fees	Total of    Transactions	Terms	A.P.R
$100.00	$25.00	$125.00	Due Next payday. Max of 15 days.	See Chart
$200.00	$50.00	$250.00	Due Next payday. Max of 15 days.	See Chart
$300.00	$75.00	$375.00	Due Next payday. Max of 15 days.	See Chart
$400.00	$100.00	$500.00	Due Next payday. Max of 15 days.	See Chart
$500.00	$150.00	$625.00	Due Next payday. Max of 15 days.	See Chart

Amount Borrowed		This is the Amount Financed which is the amount of cash provided to you
Fees		This is the Finance Charge which is the dollar amount the cash advance will cost you.
Total of Transactions		This is the amount you will have to pay after you have made payment as scheduled.
Terms		This is when the Total of Transactions is due.
APR(Annual Percentage Rate)		The cost of the advance based on a annual calculation

* APR - Annual Percentage Rate
Days of Advance		$100.00	$200.00	$300.00	$400.00	$500.00
	3	3041.67	3041.67	3041.67	3041.67	3041.67
	4	2281.25	2281.25	2281.25	2281.25	2281.25
	5	1825.00	1825.00	1825.00	1825.00	1825.00
	6	1520.83	1520.83	1520.83	1520.83	1520.83
	7	1303.57	1303.57	1303.57	1303.57	1303.57
	8	1140.63	1140.63	1140.63	1140.63	1140.63
	9	1013.89	1013.89	1013.89	1013.89	1013.89
	10	912.50	912.50	912.50	912.50	912.50
	11	829.55	829.55	829.55	829.55	829.55
	12	760.42	760.42	760.42	760.42	760.42
	13	701.92	701.92	701.92	701.92	701.92
	14	651.79	651.79	651.79	651.79	651.79
	15	608.33	608.33	608.33	608.33	608.33

Bad Credit Personal Loan Application

Step 1: Select your state
Our application process is simple and quick.
Select your state from the list to continue:

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We specialize in providing short term cash loans of up to $500. Applying with Bad Credit Personal Loans is easy, and we can approve you in one hour.

The staff you will work with are courteous and discrete. They understand and appreciate that situations arise requiring quick access to funds to help until your next payday.