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A Guide on Loans for Bad Credit Borrowers


Looking for loans for bad credit. ? Need access to quick loans but worried about your bad credit loan?
ACDS may be able to help you get access to the right loans from the right lenders. We’ll even help
you find a bad credit loan that will boost your credit history in the process.

When you sign up for our bad credit cash loans, expect that:

 You will be given advice- Our team of specialists will be more than happy to go into detail about
the things that you can do that will boost your credit rating.
 You will get access to flexible loan amounts- Our lender partners may be able to offer you bad
credit loans of up to $10000. More importantly, they work fast and will get your funds to you
sooner rather than later.
 There will be loads of benefits- Our lender partners are known to offer bad credit loans that are
easily accessible to everyone, no matter their financial standing. You will get to access
reasonable rates and great rewards too.

How does the ACDS bad credit loan work?

At ACDS, we offer borrowers access to a variety of lenders that are willing to offer loans to borrowers with less than perfect credit histories. Our partner lenders are known for not charging any early payout fees, making the short-term loans they offer ideal for those borrowers that need instant access to cash to address any unforeseen, unplanned and unexpected expenses. They are also known for offering low and personalized interest rates, regardless of your credit rating.

Step 1. Apply in just a few minutes

Sending in your application is easy and shouldn’t take more than a few minutes. It is 100% online, after all. Decide on the amount you wish to borrow from $500 to $10000 and then submit the application form.

Step 2. Wait for a decision

Once your application is received by our team of specialists, they will then work towards figuring out which loan and lender will work best for your present circumstances. Your details will also be verified during this process and once paired with a lender, the lender will get in touch with you to discuss the specifics of the loan they are offering.

Step 3. Get your funds

You will be sent a copy of your digital loan contract. Make sure to review its terms and understand what you’re getting into before signing. Once you approve the contract, the lender will start processing your funds and you should expect to get it overnight or sooner.

Loans for Bad Credit

Need a loan today? Apply online!

FAQs on loans for bad credit borrowers


Below we have compiled a list of commonly asked questions among borrowers that are interested in taking out a bad credit loan.

What is a bad credit loan?

The term bad credit loan can usually have a negative connotation among people who have not had the chance to take out one. However, the term is actually used to refer to loans that are offered to people with bad credit. Since our lender partners practice responsible lending, the bad credit loans they offer are great avenues for those borrowers that want to get quick access to cash and at the same time, improve their credit rating in the process.

My credit score is bad, can I apply?

If your credit is bad, it’s very likely that you’re struggling to get access to credit. Traditional lenders, credit unions and banks will consider you a high risk borrower and they are likely to turn down any attempt at taking out a low rate personal loan.

This is where our quick cash loans will come in handy. Specifically aimed at borrowers with bad credit ratings, it is ideal for those people that have been having a hard time securing credit through regular lending channels because of their blotchy credit history. Our lender partners will still look at your credit history but they will find a product among their arsenal that will be most appropriate for your specific needs. They will see to it too that the loan offered to you is for an amount that you can realistically afford to pay back. With this, you can be confident that you’re on the right track to fixing your credit score.

Before anything else though, it is important to find out whether or not there are issues with your credit history. You can secure a copy of your credit report for free from Equifax. Be prepared to answer some questions when requesting one and it would usually take 10 days for you to receive the report. This is essential though as it gives you a good idea of the current state of your credit report. This is also a great opportunity for you to fix potential mistakes in the entry.

What causes a bad credit score?

In most cases, a bad credit score may be due to some simple misstep you committed in the past. Everybody is prone to mistakes and we understand that. More importantly, our lender partners understand that as well.

Many of those situations that led to a bad credit rating may be due to situations that are out of your control. At ACDS, we don’t and will never judge. Our lenders will still check your credit history but it isn’t the sole determinant on whether or not they will offer you a loan. What we are interested in is to help you as best we can to secure the financial access you need by connecting you to the right lenders.

Below are some of the most common reasons that customers end up with a less than perfect credit history.

  • Missed bill payments
  • Defaulted loans such as personal loans, cash loans, car loans, etc.
  • Late credit card payments
  • Bankruptcies

If you ask for a copy of your credit score, which you can actually get for free from Equifax, it will be easier for you to determine the specific areas of your credit history that pulled down your credit score. This is quite helpful since it would give us a better idea of how to guide and advise you on the right type of loan you should be signing up for. At the same time, this will open up opportunities on how you can better improve your ratings.


Are rejected loan applications going to negatively impact my credit score?


Yes. Every loan application will add another entry for credit enquiry into your credit records. This might make it harder for you to finally secure a loan. This is the reason that talking to our experts in bad credit will be most helpful before you decide to send out a loan application.

Are loans for bad credit borrowers bad?


Considering how every bad credit loan application that leads to rejection can further pull your credit score down, it is essential that you will choose the right loan from the right lender that is ideal not only to your present needs but also your present circumstances.

It is essential to maintain honesty when answering crucial questions prior to sending your application.

  • Are you qualified?

If you aren’t really qualified for the loan you’re applying for, then there’s no point in sending one or it will only just further damage your credit score.

  • Do you truly need the loan?

A loan may not always be the most ideal solution for you. For instance, if you can just save up instead of take out a loan, then it would be the more ideal choice to go for.

  • Is a quick cash loan really right for you?

Is it really the best choice for you out there or are there better potential alternatives you can go for?

  • What are the terms of the loan?

Always know what you’re signing up for. This helps you assess whether it will be suitable for the current income you’re earning and that budgeting for your repayment will not be an issue.

  • Have you done due diligence?

You’ll need to do a bit of research if you want to be sure that you’re signing up for the right loan and with the right lender. This means making sure you are getting the right loan at the right rates.

  • Can you really afford the repayments?

A lot of people often fail to consider this when taking out a loan. It’s not only important to get approved for a loan but to actually get approved for one which repayments are well within your means to pay. Always be realistic and never bite off way more than you can chew.

Can you guarantee bad credit loan approval?


We’re intent on giving every potential borrower a fair chance and this is regardless of the current state of their credit score. However, while we generally cater to offering cash loans to borrowers with bad credit, we are never able to offer any guarantee that your application gets approved.

Loan approval will always be dependent on a variety of factors. Our partner lenders will never want to offer you any quick loan that will result in long-term unwanted consequences. In addition, a situation like this is only going to make things worse for you as it will likely result in your credit score being worse than before you got approved for the loan because you cannot really afford the repayments.

It doesn’t matter whether or not we can arrange a loan for bad credit borrowers for you or not. We will see to it that you get a good understanding of the things you can do to address your financial woes.

Do you really conduct credit checks every time?


Yes. Our partner lenders are known for their responsible lending practices and this means every application will undergo proper credit checking before they are approved or rejected. However, a bad credit score shouldn’t; be reason enough for you to not send in your application. We are here specifically because we want to make credit instruments more accessible to borrowers with less than ideal credit scores. While doing that, we also aim to make it easier for you to find ways that we can help you build a better credit rating.

Note too that your credit score isn’t that sole factor that our lenders will look into when deciding whether or not to offer you a loan. Your current income will also be looked into along with your present circumstances involving your habits and comparing it to the income you’re earning. A whole host of other factors will also be taken into account before a decision is handed down.

Bad Credit Loans

What purposes can I use bad credit loans for?


If you get approved for a bad credit loan, you can use the funds from just about anything you wish to use it for. This includes:

  • Paying defaulted loans and fines
  • Buying electrical goods or furniture
  • Paying for car repairs and other motor vehicle expenses
  • Paying off other existing debts including store or credit card balance

Need a loan today? Apply online!

Can bad credit ratings be fixed?


It can take time to get a bad credit score fixed, but it’s more than doable. You do have to show that you can be a responsible borrower where you are able to pay back your dues in time. However, borrowing money may seem a bit difficult to do when your credit score is preventing you from getting approved for an instant cash loan in the first place.

This is where we come in at ACDS. We’re here to make it possible for you to break the cycle by offering access to bad credit loans that are structured responsibly and personalised in a manner that will make it easier for you to cover the repayments later and then settle your loan and pull up your credit score in the process.

To start your journey towards fixing your credit score, secure a free copy of your credit report from Equifax. Find out more about how a bad credit loan can work to your advantage and get in touch with us today so we can get you connected with the right lenders.

Get approved for a bad credit loan today


At ACDS, we take pride in making it easier for borrowers to get access to cash loans quick despite their bad credit. We do it responsibly too by partnering with lenders that can offer the right credit instruments in relation to your present circumstances.

Getting approved for a bad credit loan is easy. The whole process is 100% online and you can complete it within minutes. Assuming that your application gets approved, you can expect the funds to get transferred to you within 24-48 hours. It doesn’t even matter if you’re not sure whether you qualify for a loan or not. Just get in touch with us today so one of our specialists can advise you on what you need to do.