Urban Bad Credit Loans

Worried about your FICO score? Let us help you finding a lender who doesn't.

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How It Works

If you have a bad credit score but you need some quick cash for any reason, you are welcome to complete an inquiry form and submit it to us. We will pass your request along to a reputable lender, who will then review your request. Even with your bad credit rating, we able to locate a trusted lender that might be able to help you. If your request will get pre-approved, a lender who handles bad credit loans will get in touch with you and give you more information. When using the services provided by, there are a few simple steps but you won’t be under any obligation to sign an offer.

How to Get Personal Loans

When you complete an online inquiry form for a bad credit loan, you’ll quickly know whether you’re eligible or not.
• In some cases, you will be pre-approved and get an offer from the lender very quickly. It’s up to you if you want to accept it and get the cash or not.
Only after agreeing to the loan’s terms you can sign it.
Upon signing, the lender will share a loan schedule with you with due dates of your payments. You’ll find out where you can get your funds, but how you spend them is totally up to you.

How to Get a Loan

Submit your inquiry form online

Get online pre-approval

Following final approval, collect your funds

urbanbcl.com (the “Website”) is not a lender or lending partner. It does not make loans of any type and does not make any credit decisions. Instead, the Website is designed solely to connect you with third-party lenders and marketers. The Website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. The data concerning short-term loan products and the industry is presented on the website for information purposes only. The Website does not endorse any lender, nor does it represent or is responsible for the actions or inactions of the lenders. The Website does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Providing your information on the website does not guarantee you will be approved for a loan or credit product. This service and lenders are not available in all states. In some cases, you may be connected with a tribal lender. Tribal lenders are subject to tribal and certain federal laws only, while other lenders are also subject to state law including usury caps. By submitting your loan request form, you acknowledge, agree, and authorize that (a) your information may be shared with third-party

marketing partners and lenders in our network, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. Every lender may perform a credit verification, whether it is a traditional or non-traditional verification. Don’t be misled by the term ‘No Credit Check Loans’. Loan approval is subject to meeting the lender’s credit criteria. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. Consumers may need to demonstrate ability to repay the loan. Upon completion of the loan request form, a conditional approval may be given pending review of additional documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing. Lenders recommend and encourage consumers to pay early in order to avoid additional finance charges. Short term, installment, and payday loans should be used with caution. If you have any questions about your loan, please contact your lender directly.