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11 User Reviews


Overall Score

LAST UPDATED: November 11th, 2021

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.


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. 


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.

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11 Reviews

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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!

2 weeks ago

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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.

2 months ago

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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

6 months 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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Funnnickname ,

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

8 months 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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Sally Kage Mount Laurel, NJ

The online staff is very supportive, friendly and helpful

7 months 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

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Nathaniel Haggard ,

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

9 months 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