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BadCreditCashASAP

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6.0

Overall Score

LAST UPDATED: November 24th, 2022

BadCreditCashASAP offers fast and secure online matching services to connect borrowers with top-rated direct payday lenders. Online payday loans, also known as cash advances, are short-term borrowing solutions to provide borrowers with money quickly for unexpected expenses. In contrast to loans through traditional financial institutions, payday loans do not require good credit or a conventional credit check. Payday lenders base decisions on minimal eligibility criteria that includes:

  • Be at least 18 years or older
  • Provide proof of regular income
  • Provide a valid email address and phone number
  • Be a United States citizen or permanent resident
  • Have a valid checking or savings account
  • Be a resident of one of the eligible payday loan states

Through the BadCreditCashASAP’s simple online application, the entire process of applying to receiving funds takes one or two days. The loan amount for payday loans range from $50 to $1,000. Payday loans are a high APR option with fees that may range from $10 to $25 per $100 offered. The repayment period is usually in two to four weeks when a borrower receives their next paycheck.

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The Good

  • Simple, Online Process
  • Discloses State Regulations
  • Scholarship Award Program

Simple, Online Process

The entire process of applying for a payday loan to receiving funds can be as quick as one or two days. To apply for a payday loan, borrowers simply need to submit the simple three-step online loan application with all pertinent personal information through BadCreditCashASAP. After submission, borrowers receive a quick decision and are connected to lenders who give offers that include the lender’s interest rates and loan terms. Once an agreement has been made with the lender and the contract e-signed, the lender will directly deposit the loan amount into the bank account by the next business day. 

Discloses State Regulations

State regulations for payday and online personal loans vary based on the state in which the borrower resides. Regulations may include the amount of the loan, the interest and fees that can be charged, the terms and repayment timetable, allowed number of rollovers, and payment extensions. BadCreditCashASAP discloses some of the states’ regulations for payday loans and which states prohibit payday loans on its site for clients’ information. Regulations are prone for modification, so it is advised that clients additionally check state official websites.

Scholarship Award Program

BadCreditCashASAP has a biannual scholarship in which one selected winner is awarded $500 to be used towards their education. To be eligible, students must have United States citizenship and be current high school seniors and undergraduate students. To apply, students must submit a 700 word essay on the given topic and then "like" and "share" at least one of BadCreditCashASAP’s Twitter or Facebook profiles. Submission deadlines are in June and December with winners announced in July and January.

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The Bad

  • Indirect Lender
  • Time in Business Undisclosed 

Indirect Lender

BadCreditCashASAP does not provide loans to borrowers. The company is an online matching service that connects borrowers to top-rated lenders. As an indirect lender, rates, fees, and loan terms are undisclosed as they vary based on loan and vender. Borrowers will need to compare rates, fees, and loan terms with other payday loan companies after receiving an offer from the connected lender. Borrowers are unable to previously research lenders before applying as BadCreditCashASAP does not disclose the lenders it partners with. 

Time in Business Undisclosed

It is unclear how long BadCreditCashASAP has been in business as its time in business is undisclosed on its site. The number of years in operation may be an indicator of a reputable company. 

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The Bottom Line

BadCreditCashASAP may be a good option for borrowers who have urgent financial matters, but are unable to acquire loans through traditional financial institutions because of factors such as time limitations or bad credit. 

BadCreditCashASAP is not a direct lender; it connects borrowers to short term loan lenders. This requires additional research from the borrower into the rates, fees, and loan terms as these vary based on the lender. Partner lenders are also undisclosed on the company’s site. It is important to research the lender to establish if it is reputable. We recommend researching the lender through the Better Business Bureau, reading reviews, and verifying that it does not have findings from the Consumer Financial Protection Bureau (CFPB) before making an agreement or signing a contract.

Payday loans are high-cost short-term loans and an expensive way to borrow as they typically have high APR rates and fees. We do not recommend taking out a payday loan unless the borrower is confident they can repay it back in full and on time. We also recommend comparing rates, fees, and loan terms with offers from additional lenders to ensure the consumer’s best financial interest.

View Best Payday Loan Companies

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Star Rating

4.7

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31 Reviews

Review Breakdown

5 grade

74%

4 grade

19%

3 grade

6%

2 grade

0%

1 grade

0%

Sentiment Criteria

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Hellen Picksdale St Louis, MO

whoever that girl Kathryn is really helped me for my first time coming here definitely would recommend to anyone that is interested in good service I will be going back. Really helped me with a lot of things including a over payment I thought I made. I love the hands on help

1 week ago

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Reply from BadCreditCashASAP

Hi Hellen! Thank you so much for your review!

Nov. 30th, 2022

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stephen burp Chicago, IL

have been working with this company for a few years now, and I have to say that their loans are great. The rates are low and the terms are fair, and they're always willing to help me out when I need it. I'd recommend them to anyone!

1 month ago

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Reply from BadCreditCashASAP

Hi, Stephen! We are so happy that you had the best experience with us! Thank you so much for your review! Best regards, Gregory Allen from ASAP Finance!

Oct. 31st, 2022

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Steve Nayman San Francisco, CA

I was looking for a short-term loan to pay off some bills when I received an email from the company offering me a lower interest rate than my bank. I reached out to their customer service and spoke to my loan officer, who was so kind, helpful, and understanding. She helped me get through the application process quickly, and I was able to get my money in less than 24 hours.

5 months ago

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Reply from BadCreditCashASAP

Thank you so much for your review. I'm so glad we were able to help you with your needs. We make every effort to provide our customers with the best service, and I'm glad that was reflected in your experience.

Jun. 29th, 2022

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daisy jamper Chicago, IL

great experience with your company, cheap lenders and nice opportunity to get quick cash on the bank account, keep up guys!!

2 months ago

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Reply from BadCreditCashASAP

Hi, Daisy! It was a pleasure to work with you! Best Regards, Gregory Allen from ASAP Finance!

Oct. 1st, 2022

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Charles Sharp Hillsboro, OR

had a great experience with bad credit CASh asap. They were very fast and efficient, which was great because I needed the money as soon as possible, also liked how nice and friendly the customer service was )))

5 months ago

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Reply from BadCreditCashASAP

Hello, Charles! We are happy that you had amazing experience!

Jul. 29th, 2022

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Evrica Takat Ashburn, VA

Your team helped me out of a really tough financial situation. I had no idea what to do with my life and was drowning in debt. Their website is super easy to navigate and they gave me everything I needed in just a few clicks. Customer service has been great, too!

6 months ago

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Reply from BadCreditCashASAP

Thank you for your review! We make every effort to provide the best service possible, and we're glad to hear that you had a positive experience.

Jun. 29th, 2022

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Helen Matthews Springfield, MA

thank you for your assistance, I thought that such companies are a scam and charge additional costs but you just make it free and got me a nice lender with low rates., so thank you!

8 months ago

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Reply from BadCreditCashASAP

Hi, Helen! It was our pleasure to help you in this matter. Rely on us everytime you need financial assistance.

Apr. 1st, 2022

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Neely New York, NY

When I found myself in a financial jam, I was conscious that with my credit score of 489 my chances to get a traditional loan are void. That is why I decided to apply with a loan agency. And it was my surprise that Badcreditcashasap got paid me the next day as they promised!

11 months ago

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Reply from BadCreditCashASAP

Hi, Neely! We are so happy that you are satisfied with our services. Our direct lenders work with people with all all types of credit scores. So, please be welcome to apply anytime!

Jan. 31st, 2022

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Bill consoll Austin, TX

great and responsible guys that know their job the best, so thanks a lot!

1 month ago

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Reply from BadCreditCashASAP

Hi, Bill! We are so happy that you had the best experience with us! Thank you so much for your review! Best regards, Gregory Allen from ASAP Finance!

Oct. 31st, 2022

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melissa harrisou Austin, TX

thanks for nice customer care and no fees for your services, i am satisfied with myy lender !!

2 months ago

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Reply from BadCreditCashASAP

Hi, Melissa! It was a pleasure to work with you! Best Regards, Gregory Allen from ASAP Finance!

Oct. 1st, 2022

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Iren Webster Miami, FL

amazing company that helped me match with direct lenders from FL, got my money yesterday and already spend them on my father treatment, thank you so much!

7 months ago

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Reply from BadCreditCashASAP

Thank you so much for your review! We're so glad you enjoyed our services. It was great to work with you and we look forward to doing it again in the future!

Apr. 30th, 2022

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Ava Hernandez New York, NY

Thank you for allowing to get a loan even with bad credit score. Had some problems with it at the traditional banks and credit unions, but your direct lenders are just perfect. Thank you one more time, guys!

10 months ago

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Reply from BadCreditCashASAP

Hi, Ava! We are pleased to help you get the best financial aid you ever had. Your pleasant experience and nice review is our blessing. Thank you so much!

Jan. 31st, 2022

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Kevin Damian ,

Fine service! I have got a salary cut due to the pandemic, and was searching for some ways to handle my expenses. A friend of mine suggested this website. I have never taken these types of loans, so I didn't know how they work. From me a big like for the information on the website, as it was enough to have an idea about the specifics of these loans. The application was really fast! I must say that I am surprised how easy it was to get a cash advance. Definitely recommend it!

1 year ago

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Reply from BadCreditCashASAP

Kevin Damian, thank you so much for the appreciation of our efforts and for your kinds words!

Jan. 19th, 2021

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melysa ch, Miami, FL

thanks for the loan but your location in florida is so small I just couldnt wait inside, i got outside and there was too hot

4 months ago

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Reply from BadCreditCashASAP

Hi, Melysa. We will make efforts to improve this location and make it bigger for our customers! Stay tuned!

Jul. 29th, 2022

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Felde Bynd Mount Laurel, NJ

thank you so much for matching me with direct lenders, they are great and nice customer care, just as you, thanks a lot!

7 months ago

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Reply from BadCreditCashASAP

Hi Felde! We're so grateful for your business and for taking the time to leave us a review. We're always looking for ways to improve, and we appreciate your feedback—we'll definitely be talking about how we can do better with our team. Thanks again, and we hope you have a wonderful day!

Apr. 30th, 2022

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Stany Kombo

completely satisfied with your matching service: no credit checks, no faxing, no additional fees, how amazing, huh? so thanks for such customer care!

8 months ago

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Reply from BadCreditCashASAP

Hi, Stany! We make effort to provide you the best connecting service and your satisfaction is our gift. Thank you for your kind review.

Apr. 1st, 2022

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Jen Martison New York, NY

just liked your financial assistance, so cool that response within several minutes but your lender have some long loan agreement, and it upset me little bit, didn't understand all the terminology, but overall it was ok, thank you!

1 year ago

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Reply from BadCreditCashASAP

Hi, Jen. Please, drop us a line next time, when you don't understand the agreement clauses. Our customer care agents will explain you the necessary terminology.

Jan. 31st, 2022

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Kyra Essence Miami, FL

I would also like to say thank you to all your staff. your payday lenders helped me get extra $700 dollars for my daughter surgery just in one day! i am so happy with this payday loan.

1 year ago

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Reply from BadCreditCashASAP

Hi, Kyra! We are happy that your daughter got the surgery on time. Please, when having health problems and need money, apply with us and receive your loan within 24 hours.

Dec. 30th, 2021

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Dakota Stretch Miami, FL

I am just blessed that I found you on the internet. Just received my money in the bank account. Nice website and cool customer care, thanks!

9 months ago

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Reply from BadCreditCashASAP

Hi, Dakota! Thank you so much for your kind words. We are happy to help you anytime!

Mar. 1st, 2022

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Lily Nicholson New York, NY

one of the best service in my town, personal loans are the good one for my financial problems, so got the reasonable APR and interest rates so far!

11 months ago

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Reply from BadCreditCashASAP

Hi, Lily! Our direct lenders are happy to provide you with the cheapest loans on the market! Please, rely on us next time!

Jan. 31st, 2022

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Sharon D. Dallas, TX

Best connecting company in my town, thanks for my payday loan, just got my bills paid! cool to have you in Texas!

9 months ago

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Reply from BadCreditCashASAP

Hi, Sharon! Thank you for your review. Rely on us every time you need to pay for your emergencies.

Mar. 1st, 2022

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Monika Dillan

average company with averages prices, ok the prices are by their lenders but still some interest rates are little higher. the speed of payday loans is motivated though!

11 months ago

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Reply from BadCreditCashASAP

Hi, Monika! Thank you for sharing your experience. We make an efforts to improve our products and services. Please, check us next time when needing emergency cash as soon as possible!

Dec. 30th, 2021

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Haney C. Miami, FL

one request form for 160 direct lenders from Florida? How is it possible? Thank you guys for your 900 worked really well for me this month!

1 year ago

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Reply from BadCreditCashASAP

Hi, Haney! We enlarge our network of direct lenders that are ready to work with you. Next time having a problem with money, rely on us and we will do the best for you.

Dec. 30th, 2021

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Max Chicago, IL

needed money asap, they helped me with cash advance, as usual friendly stuff and quick answer, thanks to my agent, recommend it

1 year ago

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Reply from BadCreditCashASAP

Hi, Max! Thank you for your kind review. We really appreciate it. Please, rely on us next time you'll have financial difficulties. Best Regards, Gregory Allen.

Jun. 30th, 2021

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Steven Seattle, WA

nice customer care and suitable interest rates, took some extra minutes to access the money but it was ok the next working day. Goog job guys!

1 year ago

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Reply from BadCreditCashASAP

Hi, Steven. We are sorry that it took you too much time to get an answer but we make effort to short this period and provide you an instant approval decision. Feel free to try it again next time. Best Regards, Gregory Allen.

Jun. 30th, 2021

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Funnnickname ,

was discouraged a bit with the whole loans prices but, well, that's simply the only way they function

1 year ago

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Reply from BadCreditCashASAP

Funnnickname, we are always sorry to see our consumers upset over the loan rates but unfortunately we cannot influence them as they are set by the lenders we connect you to. Instead, we make our best in assuring our consumers base with reliable and verified lenders who deserve your trust.

Mar. 26th, 2021

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Elyse Simunek Kirkland, WA

Glad I decided to work with this service, its very reliable and did a great job with offering me the most affordable variant. Good Luck!

2 years ago

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Reply from BadCreditCashASAP

Elyse Simunek, thank you for trusting our service!

Jan. 19th, 2021

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Glenn Hegie Chicago, IL

waited about like 20 mins to an answer for approval, plus some extra minutes to sign the agreement but it was ok in the end, Got my money on time!

1 year ago

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Reply from BadCreditCashASAP

Hi, Glen! We are really sorry for this inconvenience. The BadCreditCashASAP Team makes efforts to provide you the fastest and the easiest borrowing process. We are still learning how to make your days better. Feel free to drop us a line every time you have financial difficulties. Best Regards, Gregory Allen from BadCreditCashASAP.

Aug. 31st, 2021

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Nathaniel Haggard ,

Worked good enough for me, no delays, all went just as they planned.

1 year ago

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Reply from BadCreditCashASAP

Nathaniel Haggard, thank you so much for choosing our company! Your gratefulness is our main motivation.

Feb. 24th, 2021

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Zowey Andrews Phoenix, AZ

This company has a good take on hiw to make a client feel secure.

1 year ago

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Reply from BadCreditCashASAP

Zowey Andrews, thank you for sharing your experience with us!

Apr. 21st, 2021

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Sally Kage Mount Laurel, NJ

The online staff is very supportive, friendly and helpful

1 year ago

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Reply from BadCreditCashASAP

Sally Kage, that you so much for mentioning the efforts of our CS team! It is highly appreciated.

Apr. 21st, 2021