Bad Credit Lending provides a streamlined and flexible form to help connect you with a lender and begin the application process. Personal loans can be used for a variety of purposes and may offer a convenient way to access funds upfront. If a lender within our network — or one of our affiliated third-party lender networks — extends a loan offer, you will have the opportunity to review the terms before choosing to accept or decline. Repayment is typically required over a fixed period and may include a fixed interest rate. If no lender offers you a loan, we may share limited contact information with select partners so you can receive offers for services such as debt relief, credit repair, or credit monitoring.

Bad Credit Lending offers its services to you entirely free of charge. However, if you choose to accept a loan offer from a lender, the lender may apply an origination fee or other associated charges. By law, lenders are obligated to disclose all such fees and relevant loan details before you agree to any offer. It is essential that you carefully review the terms and conditions of the agreement before signing.

Getting a personal loan is generally simple and straightforward. Most people get funds deposited directly into their account upon approval. Sometimes lenders may ask for additional information but generally the entire process is online.

The Annual Percentage Rate (APR) represents the yearly cost of borrowing, expressed as a percentage that reflects the total annual expense of the loan, including interest, fees, and other charges. Because loans can differ in structure—such as varying interest rates, transaction fees, and late penalties—the APR offers a standardized way for borrowers to compare offers across different lenders. To ensure complete understanding, it is crucial to contact the lender directly and review the specific terms of your loan agreement.

Lenders within the Zero Gravity Loans network, as well as those in affiliated third-party networks, typically offer online platforms for making electronic payments and managing your account. Many also provide customer service representatives who can assist you with payments by phone. The personal loan offers you may receive through our service generally feature repayment terms ranging from a minimum of 90 days to a maximum of 72 months. All lenders are legally required to clearly disclose the terms of any loan offer before you can accept it. It is essential that you thoroughly read all disclosures and the full loan agreement, and ensure you understand the APR and repayment details. Please note that Zero Gravity Loans is not a lender and is not involved in the loan process beyond facilitating your connection with potential lenders.

If you anticipate difficulty in making a payment, it is important to contact your lender as soon as possible. Their customer support team may be able to offer a courtesy extension or adjust your due date. If you have already missed a payment, you should also reach out to your lender directly—they are there to assist you. In many cases, it may be possible to arrange a revised payment plan that better aligns with your current financial situation. Whether you are facing a late payment or an inability to pay, prompt communication with your lender is essential.

Initially, we share the information you provide with lenders in our direct network who have expressed interest in offering loans to consumers like you. If none of these lenders choose to pay for a connection with you, we then forward your information to our extended network of non-lender third-party lender networks in an effort to find a lender willing to do so. All parties involved—including their service providers—may access your information to assess loan opportunities.

After attempting to connect you with a lender, we may present additional advertisements. If you click on these ads, we may share your contact information with the advertisers so they can reach out about their products or services. We may also send you marketing communications, and in doing so, the service providers we engage for marketing purposes may also access your contact details to facilitate these communications.

For more details, please refer to our Ad Disclosure and Privacy Policy.

When you use our service, we first attempt to connect you with a lender, either through our direct network or our extended network of lenders. After this process, you may be shown additional advertisements or offers related to credit products or services, such as debt relief, credit repair, or credit monitoring. Additionally, your information is added to our marketing list, and you may receive further marketing communications from lenders or other credit-related service providers.