Bad Credit Loans Urban BCL

Emergencies are quite sneaky and can catch you by surprise at, anytime. If you have no savings or emergency fund to fall back on, you can get some credit to pay back later. Shop for fair and competitive interest rate loans with iPaydayLoans today!

Want to borrow more than $5,000? Click here!

What Is Urban BCL and How Does It Work?

Multiple defaults on loans and credit card payments, reflected in your credit profile, can make you an unattractive prospect to many direct lenders and traditional lending institutions. But there are lenders who are more interested in your payment plans going forward than what your history says. The problem is finding them. Urban BCL is well-known for connecting borrowers with bad credit lenders at zero cost or origination fees. They also connect borrowers with lenders who can offer them unsecured and personal loans.

Here’s how Urban BCL works:

Fill out the form on the UrbanBCL website. Then, your loan request will be sent to a reputable lender among its rich, wide network of lenders. The lender then reviews your loan request to ascertain how much credit you can take on based on your recent income statements.

Soon after, you should get an offer, including the loan amount and conditions of the loan. Review the terms of the agreement and accept the offer if the agreement terms are fine by you. Finally, expect to get paid soon if you are done with all the formalities.

Alternatives to Bad Credit Loans Urban BCL


BadCreditLoans is one reliable service for connecting borrowers with lenders. Borrowers do not pay any origination fees. The service gets commission from lenders instead. In addition to helping people close loans, they provide users with information about debt relief and credit monitoring. Their APRs range from 5.99% to 35.99%.


CashAdvance is a free lending service that offers next-day or even same-day funding for borrowers. All you have to do is fill out its online form and based on the information you provide, it connects you with the best lenders from its extensive network of lenders. It’s a good lending option for people with bad credit as there are no fixed monthly payments.


PersonalLoans, much like other services on this list does not charge for connecting you to a reliable lender. They, instead, make profits from offering other credit-related products. They go the extra mile to send out requests to their extended network of third-party lender networks if they’re unable to find a direct lender within their network who can offer you a loan.


Why are budgets so hard to stick to? Why do budget plans not work for me? Maybe, because you can never plan enough for emergencies. But you can get loans to take care of them, though. With iPaydayLoans, you can get thousands of dollars in loans in the most convenient way possible.

default imgWhy Us
How much can I borrow?$50-$35,000No hidden fees or charges
I have bad credit. Can I apply?YesBad credit is considered
Over how long can I spread the repayments?1-36 monthsFast decisions
Are credit checks involved?YesSoft credit checks only
Chances of getting approvalsGood256-bit encryption protocol
How to apply?Apply onlineEasy application
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How Can I Get Loan Services Through iPaydayLoans?

Here’s how to access a loan via this established loan broker service.

  • Fill out the application form which can be found and completed online. Provide answers to the questions asked and submit. This shouldn’t take more than five minutes.
  • Your submission should be sent to our panel of lenders who will review it, run soft credit and affordability checks on your profile and approve you for a loan if you meet the basic eligibility requirements.
  • Each lender that approves you for a loan sends you a loan agreement.
  • Read through each loan agreement and quickly sign off the one you are most happy with.
  • The money is as good as yours once the agreement is signed. Your cash will be processed for disbursement as soon as the lender has gotten your signed copy of the loan agreement. It can take as quickly as two hours, within 24 hours, or the next business day depending on your bank’s processing speed to get the money.

iPaydayLoans is a highly recommended loan service because it gives you access to numerous loan offers in one application. Also, the interest rates of its lenders are not exploitative, but fair and modest. Apply today to take advantage of iPaydayLoans current low-interest offers.

Get Cash When You Need It Most

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Benefits of Choosing iPaydayLoans

No Hard Credit Checks

Credit checks are necessary because they are a Consumer Financial Protection Bureau (CFPB) requirement and are used as a yardstick by lenders to determine how much more debt a borrower can take on without becoming a financial wreck. However, they come at a cost. Multiple hard credit checks can hurt your credit ratings.

To guide against this, we only partner with direct lenders who run soft credit checks on your profile. These checks leave no footprints on your credit report.

Up to 5000 Dollars

The loan amount offered by lenders to borrowers depends on a number of factors including how much of a lending risk they consider them to be. To minimize the risk they are taking, many lenders provide borrowers with only small cash advances or loans. Our partner lenders can however give you loans up to $5k regardless of how unattractive your credit profile is.

Lenient Requirement

Virtually anyone will be attracted to a lender who promises high loan amounts. But of what use is this to you if you can’t qualify for the loan in the first place. We work with a few lenders whose approval rates exceed 97%. As long as you meet the basic requirements and can verify your income, you will almost certainly qualify for a loan. If you are out of a job, but get benefits, the benefits are tenable as proof of income too.

Quick Funding

Traditional bank loans can take several days, up to a week or two to process. But for an emergency, that’s too long a time. iPaydayLoans connects borrowers with lenders who promise same-day funding. If you apply early enough, you can get funded as quickly as within the same day, or at most, the following business day.

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Apply for a Bad Credit Loan Online With Minimal Fuss

One place where your credit score doesn’t put you at a disadvantage is at a bad credit lender’s. You can get a loan just as easily as every other person. To make sure of this, go through a loan broker like iPaydayLoans. We ensure a quick and easy loan request process. We also connect you to lenders who will fund you as soon as possible.

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iPaydayLoans is a company committed to connecting borrowers to hundreds of reputable online lenders to apply and get small-dollar payday loans quickly, easily, and securely, helping cope with life emergencies like paying medical bills, home, or car repairs, and so on.

Customer Note: A payday loan is traditionally used to help people borrow a small sum of money until the next upcoming payday. It's a short-term solution to cover unexpected expenses when people have no savings or deep pockets. Those who find themselves in a bind with their budget and want to refill it with credits should seek the advice of a professional financial assistant. A borrower also has to peruse local regulations related to a payday loan.

Availability: The service of this platform may not be accessible to people based in restricted states. Please check the local regulations to find out its availability in the area. Rules of this website are subject to change without notifications.

NOT A LENDER Disclosure: iPaydayLoans is not a lender but a broker and does not charge you any fees for our broker services. The lenders or other broker services we introduce to our customers through this website may pay us commissions if customers enter into a credit agreement with them.

Disclaimer: iPaydayLoans is not a lender, does not take applications or make loans or credit decisions. We are not an agent, representative or broker of any lender. We provide a service to connect you to a lender from our network. We do not control and are not responsible for any lender's actions or decisions.