Do Hard Money S Redwood Rd, West Jordan
+1 801-692-7703
https://www.dohardmoney.com/
8846 S Redwood Rd c212, West Jordan, UT 84088, United States
Services
- Property Management
- Real Estate Investing
- Real Estate Sales Management
- Flipping Homes
- House Flipping
- Investing Strategies
- Kitchen Remodel
- Property Rehab
- Real Estate Flip
- Sell Properties
Do Hard Money Reviews
J
I had the pleasure of working with Meaghan Meyer. She is absolutely amazing! I knew if I had a question or needed information, she was always there to answer them. Kept me informed through the whole process. Always, always responded to my emails in a timely manner. I hope I get to work with her again in the future!
T
So far everything has been amazing! Josh and everyone that have helped so far have made me feel confident I’m moving in the right direction. Honestly, it’s so cool that this company isn’t just a lender, but the educate and facilitate what you want to do. I feel more excited and less scared to do my first deal because I know there are pros right here checking boxes I may have missed.
M
This program seems to be good if you have a perfect scenario! It’s a time killer and involves a lot of evaluations, contractor visits, and involvement from property owner. Property can not have tenants in place so be aware of that. If time is of the essence for your project do not go this route! It’s a lot of up front money to try to get zero down. Just go with a regular hard money lender and save yourself the time and money. I thought I had a very good scenario, but still wasn’t good enough. So good luck to anyone who thinks they can do it.
We're sorry that you feel that way and that your deal wasn't able to come to fruition. It's not our goal to turn down loans—we both benefit from successful deals. However, as we assume almost all the risk in a 100% financing scenario, we do have strict guidelines for those types of deals to protect you and us. We do have many borrowers that still bring some cash-to-close. 37% of our deals qualify for the 100% financing, and our average cash-to-close for our borrowers is $2,183.
N
OMG! I can't say enough about Jason Alatinin! I asked tons of questions and Jason was right there on the phone answering all my questions. Jason was so pleasant and very patient and calm to deal with. Carlos was really great as well, he also helped me! Please call Jason or Carlos and ask questions about investing they both will be there to answer? You guys' Rock!
J
Do-Hard-Money is a great company, my experiences with Haley, Neelam, and Meaghan has been nothing but exceptional. As we’ve been closing on multiple deals Haley”s knowledge helping with the rehabs and administrative skills are excellent, Neelam management and drive to get deals closed and houses ready to be sold is such a great resource when trying to get houses on the market, Meaghan customer services and drive to get business done is some of the best I’ve seen in a long time. I could say so much more about DO-Hard from a positive perspective that it would take atleast 5 paragraphs to express the experience but I wanted to specifically give kudos to the staff that has helped me in everything I needed. Thank you, You ladies are Phenomenal!! ☺️💯
G
Drew was patient with me as I went through some family tragedies. He never made me feel pressured or rushed. He was pleasant and never disregarded any of the questions I asked. He always answered questions/concerns and sent follow-up material to support our discussions.
P
Drew was very nice and respectful. He took time out of his Saturday to help me. Very excited to work with this company.
s
I had a great experience with the workers at Do Hard money, they were really helpful every time they always walk me through and stay on the phone with me on my questions that I may have, thanks again.
D
I have worked with Josh on several projects and have always had a great experience. He is very helpful and knowledgeable.
C
Josh H has been the best since my coming on board with Do Hard Money. If you need motivation, Josh is the man to fulfill that need. Josh has been very helpful and pleasant on every call. Thank You Josh H !!! Harold J
S
I spoke with Neesh at Do Hard Money and she was very helpful. She helped explain everything and walked me through the process to make sure I understood what's going on. I'm very excited to take the next steps of this journey.
L
Kayla, was very pleasant to speak with. She definitely knows the company and what it has to offer to it's members. It was my pleasure working with Kayla today.
C
Kristy has made this experience with Do hard money amazing. She is always prompt with her service and ready for any questions. She is very professional and on top of her job. She cares about the overall well being of her clients and getting the job done!
K
Josh was excellent! He walked me through the process of identifying pre foreclosures and who I needed to reach out to for more information and answered all of my questions!
A
This was the absolute worst company to use. I’m telling everyone that uses them you are going to lose money and jump through so many hoops. I was explained that I would have to put zero money down besides 3500 dollars and then they told me that I was going to have to put 17k down. Don’t let them make you fall for it! Horrible explanation in the beginning process .
I'm sorry that you had a poor experience with us and that your particular deal didn't qualify for our 100% financing program. Because of the high risk of assuming 100% of the cost, we do require that the deals be very good ones. That being said, about 37% of our deals are financed by us at 100%, and the rest require some money down. Your best options would be to go through our modules in the Member's Area that teach how to get financing aside from the 100% loans, or to keep looking for an even better deal that would qualify. I hope you'll give it another shot as we have many successful borrowers, even first time investors, completing profitable deals with no money down.
D
I have been particularly pleased with the weekly updates and progress notes that Neelam DeYoung has provided with my last contract. It is helpful being so far removed from the action to be kept involved with the project. Thank you for your consistent and timely communication.
C
Brandon Whittemore is very professional, and reliable project manager at Do Hard Money. He makes my experience with Do Hard Money easy, he give a outstanding service!!
E
Kayla has provided a wealth of information to assist me with vetting options and explaining others things. She is knowledgeable, helpful, and patient.
D
I’m Douglas, with 4Ds construction. I had the opportunity to work with Brandon Whittemore on a project in Baltimore. Not only is he a good project manager but a great teacher as well. He help me with my first project and taught me a lot along the way. I hope I have the opportunity to work with Brandon again on another project.
T
I have been working with Meaghan Meyer on several transactions recently. Meaghan has always been extremely attentive and helpful. She has proven to be an excellent resource moving through each real estate transaction. I look forward to working with Meaghan on more transactions in the future.
K
I’ve completed over a dozen Of renovations with several of Chicago land’s largest Hardmoney dealers and I must say I am extremely pleased with the way the Mr. Brandon Whitmore conducts himself as a constant professional. Even outside of him being the project manager of a few projects that I’ve done for DoHard Money he has given me so much knowledge, and wisdom as a fellow general contractor. I’ve learned so much in such a short time from him that no matter where he goes in the industry I will definitely follow him.... If anyone in home office is reading this you definitely have a true Gem of a man on your team thank you so much Brandon Whitemore!!!🤝🤝🤝
R
Neesh was very patient and helpful, she took the time to answer all my questions and guide me , it was a great to work with her , thanks
J
Josh was extremely helpful and was able to answer all of my questions effectively!
C
Working with Do Hard Money on our 1st deal. Josh has done an excellent job answering all of our questions and reassuring us regarding the process and procedures. Thanks DHM!
Thank you, Chef Joenathan! We're proud of the support we provide and excited to be a part of your journey.
K
Nice folks, BUT they do not make it easy to do deals. And if you’re not happy you will NOT yet your money back. $3k +.... You’re much better off finding a local bank. Wayyyy easier to deal with. I’ve done 3 deals with a local bank and haven’t tried to go back to DHM. If they would just give me back part of my $3k I would be happy. The fact that they will not give a refund or partial refund is pretty sad honestly.
Do Hard Money provides the tools and resources necessary for new investors to be successful with Fix and Flip properties. As a hard money lender we have specific guidelines that we require to ensure our members 1. Make reasonable profit and 2. We as a lender mitigate our risk because we lend the majority of the loan. It's only in our best interest to get deals done. We do not create reasons that will deny a loan because loans benefit both us and our members.
j
Drew was very nice and helped me understand how hard money works
B
With the best loans I've found and a first rate program, I would recommend any real estate investing company give DHM serious consideration.
A
Kayla is dope, she is helping me throughout this whole process!
D
DHM is amazing! The level of service received so far has been way above the bar that I'd initially set. I haven't even gone through my first rehab, but I feel so confident and prepared between the training/videos, calls and assistance from the member support team. Josh, Drew and Rochelle have been absolutely outstanding. You can't pay for service like this and I just couldn't even imagine dealing with anyone else. Excited to see what the future holds!
U
Do hard money put a sour taste in my mouth . I'm sure many people will join and be part of whatever they are doing$$ as for me Lesson learn ! We live and learn ..
Hi there! We're sorry that you feel that way and that your deal wasn't able to come to fruition. Our team is dedicated to providing funding when deals make sense for both you and us. We know it's not easy when you have your heart set on a property and then find out that the numbers just don't make sense. Our Customer Success Manager, Josh, is going to be reaching out to you (if he hasn't already) to see if there's anything he can do to assist you further.
B
Stephanie is a wonderful account advisor. She is very professional and took her time to listen to my rehab proposals. She provided great feedback and was very engaged throughout the process. She responds timely to email and phone communications and works in a very organized manner. I would not hesitate to work with her again and recommend her without reservation.
Thank you!
L
Rochelle was definitely a pleasure to speak with. She made sure to stop to make sure I understood all that she was explaining. She also reassured me that I could call/chat with the company at any time if I needed guidance. I look forward to speaking with her in the near future.
J
SCAM!!!!!! I'm on pace with everyone on here and the BBB. It is my first time trying real estate so I was optimistic to get help They advertise financing but then say you need part of a program they'll take your hard earned money with no intent to help you. The main number is always changing and they erased the hundreds of bad reviews that I saw a few months ago while researching. This is not a legitimate business!
L
Great company to work for. Reports are simple to understand and upload. Turnaround times are reasonable. Barbara is always available to respond to any questions I may have. And there is never an issue with getting paid like some of the other companies out there. You get direct deposit payments quickly, usually within a week.
J
This company is a massive SCAM. I signed up for service that had a 3 day money back guarantee. They weren't able to host my onboarding call till day 4. On that day it was clear that this was a scam and any deal that I brought would require tens of thousands of dollars contrary to what I was told on the initial call. I requested my refund. I had zero response to my request that was made nearly a month ago. I followed up again yesterday and was told someone would call me. A rep called me today and basically told me too bad. This is a major scam that just prays on people to give you the $3000 with false promises of affordable loans. They have no intention of actually doing any deals just keeping your money.
J
Do Hard Money has been a great company to work with so far. They do a great job in explaining how the program works, how to get 100% financing, and how to find great deals. Brittni Chase was the person that I had the opportunity to speak with and she did a great job showing me how to maximize the use of the resources.
K
Awesome experience. I have been working with Do Hard Money for the past 9 years and refer all my clients for their hard money lending needs. Sheila in underwriting is superb. Her attention to detail and friendly customer service skills keeps clients coming back to get their deals done. Do Hard works for new and experienced investors who are seeking an alternative source to fund deals.
thank you!
O
Do NOT let this crooked company take your money. I've been a contractor for 18+ yrs I'm willing to put in the work, as long as I know the REAL numbers I can make it work. Do hard money makes it impossible to get a deal done because they lie about costs & terms. Even if the numbers are feasible on the software they provide, they will find a reason to deny it and keep your money. This company lacks integrity. Every deal that has been denied gets taken off the market a few days later. They scam you out of your money and then scam you out of your deal.
Do Hard Money provides the tools and resources necessary for new investors to be successful with Fix and Flip properties. As a hard money lender we have specific guidelines that we require to ensure our members 1. Make reasonable profit and 2. We as a lender mitigate our risk because we lend the majority of the loan. It's only in our best interest to get deals done. We do not create reasons that will deny a loan because loans benefit both us and our members.
g
Jaydon, Steve and Nicole have all been helpful in answering my questions. I've not had the chance to speak to them via phone but in regards to email... their replies are within 5 minutes during regular business hours. I can't mention after hours as I've not had the opportunity - But as mentioned before. They're quick to respond with answers that are helpful in decision making. So far- Good job DHM crew.
thank you
N
Nicole Cronin was very helpful. I had some more detailed questions about the application phase of getting my contractor vetted. She encourages more questions which allows me to address all of the concerns I have in the loan application process. It allows me to communicate effectively with my contractor and agent.
thank you Nicolas - we think Sean is awesome too!
D
Barbara Anderson is the most professional yet friendly person ever! She is patient, yet expects efficiency for sure! She represents Do Hard Money, and their clients, so well. She actually makes me feel like I am an important piece of the puzzle! She makes me want to do an even better job than I usually pride myself in doing. Do Hard Money, and their clients, are lucky to have her.... but honestly, we, the Realtors, are the lucky ones to get to work with her. She is such a pleasure. I really like working for the company, they are helpful, pay promptly and offer assistance and problem solving if needed. Barbara, thank you for all your support!
thank you!
M
Drew has been solid this far. I'm a very skeptical person and he's been understanding and helpful. I just signed up today (Sunday) which happens to be his birthday. He was adamant on helping me get set up today and extremely supportive throughout the entire process. Carlos was a great initial experience as well. We will see how the first deal goes and I'll update accordingly.
J
Kayla was just a breath of fresh air to work with. She was very kind, patient, and knowledgeable. She was able to answer my questions and just deliver great customer service. I use to train call center employees for Comcast and her call quality is 10 out of 10. Great to work with. Keep hiring people like her.
K
Well, Well, I just want to SHOUT OUT to 2 very special lady's Ms. Judy started this and it just evolved and resignated, these Do Hard Money professionals doubled team me, and then came Ms. Kayla with her patience I am not easy to teach, with her wonderful personality she start forcing me to learning this software, and invited me and my partner to come down, and spend lunch together, this is awesome.....KAYLA and JUDY, I don't want to talk to no one else, Sorry! They deserve the GOOD Award for something I will be checking to see, and if there is nothing then I will get it and TAKE BRAGGING rights? Very good job, Ladies!
J
Josh was very patient and really took his time to answer all my questions. He even called back to make he addressed my every concern. I have worked with Judy on a couple of occasions and she has been so professional and an absolute joy to work with. This survey only requires that I give her five stars, but if I could I would give her ten.
So glad to hear it, Joseph!
S
I am getting back into the groove of things so I contacted DHM to follow-up on changes. From the the very first time I contacted DHM (2016) until today March 10 '22. The customer service just gets better as time goes on. DHM makes adjustments according to the market and the needs of the investors. I want to give a very BIG shout out to Jason and Kayla. Kayla was so kind and sincere regarding my needs. She has excellent customer service skills which is far and few these days. I asked if I could speak to someone so I could get a refresher on things and she assured me I would get a call back. And finally Jason who called me back and filled me in on some of the changes that DHM obviously made in the past couple of years. He listened and made me feel better about my journey. Jason is professional and very kind. I definitely recommend DHM to any investors that may want to start investing.
T
Kayla is so helpful and knowledgeable it put me at ease, when starting my first project with Do Hard Money. She was a pleasure to work with and I look forward to working with her again.
S
Please please please do not waste your MONEY. I'm a combat veteran and shame on me for falling into this trap.I admit I used poor judgement signing up. Im am very optimistic person. Wow I had some dreams behind this investment. In my experience this company has not shown that they are committed to its members. The lady , which was supposed to be my sponsor, told me from the beginning "I'm your biggest cheerleader" I have not heard from her again. Not even a text message to see how I am faring in my endeavors with Do Hard Money. I hope the 3500 is worth it. I may just be a failure so I won't express too much contemp but IF indeed Ryan G. Wright and team are practicing scammers I pray God's judgement on this company. I know what they'll say, "Well we see that you didn't finish the module in the backroom or use the tools we provided" Well well it does not require 3500 dollars to YouTube anything taught in the "backroom". My question is why won't they charge a monthly fee and not require 3500 up front 🤔. This is my perspective and opinion so take it as you like. You have been warned.
Hi there! We're sorry that you feel this way at this time. We DO want you to succeed at real estate investing. Please give us a call at 855-982-3160 to discuss how we can help you be successful. Thanks!
C
DoHard Money is an excellent opportunity for first-time investors to get the experience of flipping houses under their belt. Their expertise and knowledge of the housing industry will help you achieve success.
S
Drew was great to work with, he was very knowledgeable and easy to talk to and answered all my concerns and questions.
H
Judy Drake is just amazing !!! She has been so helpful for me and my company with our first time using Do Hard Money. We will be continuing to do more deals with this company thanks to Judy.
E
After speaking with Carlos and Jason I was even more confident with making my decision to partner up with the DoHardMoney team. They made sure I had clarity on every aspect of their process. I’m very excited to take on this journey with the backing of this incredible organization.
K
During one of the hardest times of my life after losing my husband recently, it was really pleasant to speak with Josh Harrell. My husband and I started this path together and I want to carry it on through. Josh was very encouraging the first time we spoke. Cheered me on to maintaining the goals my husband and I set. He remembered our first conversation which shows me that he does not see me as just another number but cared enough to listen and even remember the details of my concern. It’s not often you get that kind of response and I am so grateful to have chosen to work with DoHard. Thank you so much for your attentiveness Josh. I actually look forward to calling you with more questions.
D
This business is worth 1 star for the library of information they have available if you're new to real estate investing. However, they require 3,000 upfront to use their services. Their criteria for houses are so restricting it's nearly impossible to find one that qualifies, and the loan origination fees and interest are so high the total loan value isn't worth it. SKIP.
Hi Dusty. We've been happy to have you as a member of Do Hard Money. We're sorry that you haven't yet been able to do a deal with us. Do Hard Money provides the tools and resources necessary for new investors to be successful with Fix and Flip properties. In the current market it IS hard to find properties that fit our criteria if you're only looking on the MLS... It looks like you never completed any of the training in the members area and never utilized our investor's edge software to help you find off market properties with higher margin and lower competition. Our Customer Success Manager will be reaching out to see if there's anything we can do to help you utilize the resources available to get you an amazing deal. We have members following our system and finding great deals that fit our criteria every day.
J
I don't really have anything bad to say about the Company. At the time, it was an investment I didn't have any issues making for the sake of my new real estate business. In the end, I found a less expensive solution that offered most of the same things, but I don't regret starting with Do Hard Money.
D
they are super nice and friendly untill you sign up and pay the fees. afterwards no support and absolutely no refund for any reason. DO NOT THROW YOUR MONEY AWAY!!!!
D
Drew is awsome anytime I had questions he's always theyre to answer them and does what he can to help all of his clients
K
Kayla was excellent and very helpful! I’m looking forward to working with her and DHM…
M
Kayla was an amazing help with getting into the systems and super open to questions and friendly thank you
g
Darren is the absolute best, I would not be able to close on my loan without his hard work and dedication. Thank you!!!!
K
Just joined, so far I'm thrilled with the results! I will provide an update of this review after my first flip.
1
We have been working with DHM as an investor for a few years. So far it has been profitable; however, we are constantly reminded (by what's going on with our loans) that it is also risky - we can lose our investment or we can be dragged into a long and grueling process to recoup our investments. Luckily, we haven't encountered these. People working at DHM all seemed nice and friendly. Our loan serving coordinator, Neelam DeYoung, is particularly helpful. She stays on top of things, communicates with us, and is very willing to help. Working with Neelam is one of the highlights of our experience with DHM.
J
Great experience so far, Kayla has been extremely helpful, and provides quick responses anytime I need assistance!
D
Sterling was very helpful and took the time to answer all my questions!
J
I have been an investor with DHM for over a year now and must say its been both a positive and profitable experience. DHM has a seamless process from loan funding to pay off and does a great job along the way keeping the investor updated. My Servicing Coordinator Neelam DeYoung is the most important part of the team serving as the lead contact after funding. She does an exceptional job not only dealing with the borrowers on a daily basis but also working with me to make sure I am aware of all aspects of the process and the progress of the project. Neelam has truly been a valuable part of my team and the success of my investments and I value her input and guidance on each investment.
Thank you so much for the feedback, Jamie. We're thrilled to hear that Neelam takes such great care of you -- we wouldn't expect anything less!
C
Working with Meaghan at Do Hard Money in the serving department was like a dream. Meaghan was very responsive and we closed the transaction in 2 weeks with no issues mostly due to her partnership.
L
My Judy is the BEST. Judy has been very helpful during this process and a pleasure to talk to. Keep up the great job!! Judy is crushing it!!
S
Allie made my experience easy and she is truly one of a kind!!!!!
L
Rochelle was awesome! She was very friendly and knowledgeable. Rochelle answered my questions quickly and expertly. She took me through the process thoroughly. Although I have had experience in Australia I have none in the US and feeling much like a newbie she put me at ease and made me feel confident for my future. Great customer relations!
thanks Lois!
G
Mr.Brandon Whittemore is always in place and ready to assist in anyway he can. If he can not answer your question he got back with you in a timely manner..I'm satisfied with the service I have received
B
I had a question while I was in the loan application process so I typed it in the chat bar on the right side. Kaiti from Do Hard Money responded. She was patient and knowledgeable. I appreciate her taking the time to help me understand their process.
T
Rochelle was very informative, friendly and professional. She delivered quality customer service and was quite knowledgeable as she was able to answer all of my questions. Since becoming a customer, the team at Do Hard Money has been nothing but a great support system.
T
I’ve worked with Meaghan on several properties and has always been very responsive and an overall joy to work with.
L
Great experience with Rochelle Archuleta. As any new person to real estate investment it can be over whelming and nerve wrecking. From my first call with Rochelle she was able to answer all my questions patiently and she also provided me additional information to review in order to get more detailed answers based on my research on Do Hard. With her help I was also able to find out that I had more options on how to approach the deal and not as limited as I thought. I appreciate her patience and ability to make things so much easier along the way to better success.
thank you Renee
C
The folks at DHM have been very helpful in getting me setup in the process. Brittni, the rep I spoke with over the phone, was awesome! I had a lot of questions and Brittni was gracious enough to provide me with all the answers I was looking for. Brittni was very knowledgeable, patient, and a pleasure to speak with....Thanks again!
E
So far, very good. They are professional and have great tools. I have not consummated a deal with them yet, so take the rating for what it is worth. If anything changes or after we finish a deal together I will add to this. UPDATE 1/20/2021: After not using their service I cancelled without a hitch. Until it came time to stop the billing. They continued to charge my credit card. When I finally noticed the erroneous charges, I called them about it. They assured me they had cancelled the account. I thought I had made an error in timing. NOT SO. When I called them again the next month they said they had no record of the charge. Long story shortened, they refunded me about 15% of what they owed me and then quit communicating with me. Would not do business with them again.
thank you Ed- we look forward to working with you on your deal.
J
A friend of mine sent me a link to an article about DHM. I spent some time reviewing their funding options and was very impressed with all they have to offer. I also like the live chat feature. Nicole Cronin was the agent on that chat and took time to look into some details for me that were not simple to answer. Excellent customer service. Thanks!
thank you John!
Y
Do hard money has been very professional and punctual. their response time is always within 24 hours. they give really good advice and guidance. although I am still working on my first deal, they have made this process very enjoyable and very informative. you can tell that they care about you the investors well being. very grateful and thankful for this company.
thank you!
N
My Do Hard Money Rep was very helpful. Stevie Sturgill went through my initial loan application and told me step by step what I needed to correct. She was great and also offered her direct line to me to contact her whenever I have questions.
R
I had a great experience working with Jaydon Hanson and the Do Hard Money team. He was a great help in showing me how to find deals fast and very knowledgeable about real estate investing and funding. I will definitely recommend their team in the future.
J
Megan was awesome! I had a few questions about how the evaluations would work and she took the time out to make sure I understood them perfectly. It’s rare to find people with that level of knowledge and patience to match. Thank you Megan and DHM for making my dreams come true!
thank you John!
A
My experience with Sean Smith is great! Sean takes time to explain every aspect of the of the company and how it works with great details. He's honest and friendly. Sean always returns calls and emails. I'm very pleased with Sean and couldn't ask for a better account advisor. Thank you, Amy Lees
Amy- thank you for telling us about how working with Sean has helped. Thank you for choosing to work with Do Hard Money
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FAQs
1. How Can I Contact Do Hard Money?
You can give them a ring by this phone number +1 801-692-7703. Or you can enter their official website and fill out the loan form online.3. What Type of Services Can I Get From Do Hard Money?
Do Hard Money offers you a wide range of services which include: '- Property management
- Real estate investing
- Real estate sales management
- Flipping Homes
- House Flipping
5. Is Do Hard Money an Agency or a Lender?
Do Hard Money is a Real estate agent. To make things easier, iPaydayLoans can link you with a large network of trusted lenders over the internet. You can secure a personal loan online here with no credit check.
2. What Is the Location Of Do Hard Money? How Can I Access?
Do Hard Money is located at 8846 S Redwood Rd c212, West Jordan, UT 84088, United States. You may refer to the map and find the best way to access it.4. How to Get a Loan at Do Hard Money?
You can enter their official website and fill out the loan form online. If you are looking for payday cash loans over the internet, you can turn to our website for more details.6. What Can I Do if I Can Not Repay My Loan?
You can consult with your lender if you feel it hard to repay the loan on time. Different lenders have different solutions to late payment. It is advisable to read carefully before signing the loan agreement.7. Does Do Hard Money Offer Bad Credit Loans?
Yes, but if you want to higher your chances of getting a bad credit loan, iPaydayLoans is here to help! Just visit our website to get a personal installment loan even with bad credit.