Adam West

By: Adam West

Adam West
Adam West

Adam was written, edited, and managed content for news outlets and digital publications for nearly 20 years. Since specializing in finance in late 2016, his editorial focus has been on consumer financial literacy. Adam is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience, having written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times. A former business writer and business desk editor, Lillian ensures all content equips readers with financial literacy.

See full bio » is a consumer site dedicated to matching those with bad credit to personal loans of up to $35,000. is not a bank, but rather a lender network. The site partners with reputable lenders across the country who are willing to lend to poor credit applicants. This means you can fill out one simple online application, 24 hours a day, to be matched with multiple nationwide lenders.

Let's take a look at the key facts and features of

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As you can see, there's a lot to like about, especially if you have a bad credit history. But as with any offer or service, be sure to read all the details on the official website before committing. An Algorithm That Can Match You With a Lender in Minutes An Algorithm That Can Match You With a Lender in Minutes

If you’ve come to our site, chances are you’re looking for every opportunity to be a savvy consumer. If you’re in the market for a personal loan, that means knowing how to efficiently shop around for lending options.

But the world of lending is complicated, and finding the right loan for you can be a cumbersome, time-consuming process. Luckily, there are companies like that simplify the process by matching customers with lenders that may work for them.

How does this process work, you might wonder? We’ll explore how and companies like them play matchmaker for borrowers and lenders.

Taking the Guesswork Out of Loan Applications

Have you ever filled out multiple loan applications just to be declined one by one? You’re not alone — many borrowers seeking loans won’t know whether their applications will be approved until the lender denies them.

Unfortunately for borrowers, it’s often difficult to find the funding they need, as the lenders strict and confidential underwriting criteria that might disqualify them for various reasons.

“Customers might have to apply at 10 different lender websites until they can find one who will fund their loan request,” said Jason Ramin, VP of Business Development for’s marketing partner IT Media. “With, however, you only have to apply once, and we will match you with the lender that is to fund your loan.”

Ramin said also helps lenders stick to what they know best — lending (“They are not so good at finding the right customers for their products”). In this regard, the company works as the marketing arm for lenders across the nation.

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Other Personal Loans Ratings

Not sure if is for you? Be sure to check out our review of similar offers below. These offers were selected and rated by our team of finance experts as the best available for those with bad credit. If you decide isn't for you, one of the following could be a great alternative.

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About the Author

Adam West

Adam West is a finance editor for, where he regularly coordinates with financial experts and industry movers and shakers to report the latest information, news, and advice on topics related to helping subprime borrowers achieve greater financial literacy and improved credit scores. Adam has more than a dozen years of editing, writing, and graphic design experience for award-winning print and online publications, and specializes in the areas of credit scores, subprime financial products and services, and financial education.

Information Warranty & Disclosure: Great efforts are made to maintain reliable data on all offers presented. However, users should check each provider’s official website for updated terms, details and conditions for each offer before applying or signing up. Our site maintains strict terms of service and may accept compensation for paid ads or sponsored placements in accordance with these terms. Users must be at least 18 years of age to be eligible for financial offers as per the terms presented on provider websites.

* FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.