Get That Chance You've Been Looking for in Bad Credit Loans

Why is your service used so much?

Our service is consistently used by hundreds of people each month. This is because we are the only real source that helps people with less than perfect credit find the lenders they need and we offer valuable proprietary information that can't be found elsewhere. By it's very definition, most people with a poor credit history are unable to get loans from traditional lenders. We know of major lending sources that work with people who need a loan, but may have questionable credit backgrounds or that might be trying to acquire credit. We do what very few other websites do and we do it for a very small price.

Is this a one time fee or are there additional hidden charges?

This is a one time fee. Access Loan & Credit Data does not charge any other fees. Just pay a one time fee of $25.00 and you will have immediate access along with a lifetime membership.

What coverage area do your lenders service?

Currently, they only service residents of the United States.

Do the lenders require collateral or having a cosigner?

These loans are partly granted on your signature and promise to repay on the loan agreement. They should not ask for ANY collateral. However, they may recommend a cosigner with good credit if your credit score is below 600. Each individual situation will vary and we'll help you with what to say and do to get yourself in the best possible posture for applying for a loan.

Are these really true cash loans?

YES, these are from lenders with cash money loans or an extension of a line of credit. Once approved, you will be issued a check. These are NOT pay day loans, outrageous high interest loans, or shopping cards to only be used with the credit grantor - we're talking actual loans with money you can spend. All the lenders in our service are in the business of approving loans - not rejecting them. Some of the lenders advertise on the internet and other sources.

Do you approve loans or credit cards directly?

No. We are not a lending company, we do not make loans and we do not provide mortgages. We provide an always updated list of hand-picked lenders, credit companies and private companies that offer many different kinds of loans to people that may have bad credit, or even some cases with a bankruptcy.

Will I be approved for my requested loan amount?

Using our service will give you the greatest chance for getting your loan! We solidly believe that and guarantee it. Your possible approved loan amount or line of credit may be formed on what you can afford to pay back on a monthly basis, among with other items. Naturally, the better your credit history, the higher your possible approved loan amount. Bankruptcies must be discharged for at least two years. Your chosen lender(s) will give you the exact amount of your loan upon approval. Each lender makes the loan decision as it's their money to use as they wish. We can't guarantee you'll be approved for a loan each time you apply, but we help to even the odds for you in order to get what you want.

What kind of terms will I qualify for, for example the interest rate and loan repayment period?

By their very nature, these are usually classed as medium to high risk loans which will be based on your income and payback ability, so interest rates can be higher than your standard loan. On average, you could see a 10-19% interest rate. By comparison, this can be very reasonable rates when looking at up to 25% on credit cards and other unsecured loans. Usual payback period is 5 years on loans, revolving lines of credit usually have no set payback date. The standard is that your chosen lender or bank will inform you about the final interest rate and terms with any loan offer. Of course, you can negotiate the final offer if it doesn't fit your needs. Loan amounts over $10,000 may require applying to more than one lender.

I'm still skeptical! How do I know you're not going to rip me off?

There are banks and companies who are willing to finance people with bad credit. They realize that good people can have bad credit and they want to give you another shot! We've been in business, now going into our 7th year on the internet. We have several thousand satisfied customers that have used our services quickly. We wouldn't still be in business if we were not providing what we promise. Think about that! All that we ask is that you give us the chance to help you! You owe us NOTHING if we are unable to find you at least ONE lender. You can apply RISK-FREE and with CONFIDENCE!

What if I decide I don't want the loan after getting approved?

No problem. As is customary, simply return the loan check to the lender who approved you and it should be canceled. Doublecheck with your lender for specifics on closing out your file. You are under no obligation to keep your loan or line of credit. Of course, our membership fee is not refundable if you choose to return the loan.

I don't have a credit card, can I mail the payment to you?

Sorry, we don't take payments through the mail anymore. Because our fee is so small, many people would send us cash, which often got lost in the mail. In order to make sure everyone gets what they pay for, we now do the entire process over the internet. We found that it's quicker and easier for everyone this way... and allows us to keep our fee at a low price.

Can I make money by referring my family members and friends?

Yes. Our affiliate page has details on how you can help others to find the money they need. You can see our affiliate page by clicking here.

How long will my membership last?

The one time fee will give you unlimited lifetime access. Just join and you will be given your information for immediate access!

Is your payment processor secure so that my credit card safe?

All orders are processed by ClickBank.com, a proud third party payment processor and a member of the Better Business Bureau. Your information is 100% safe and secure!

The main thing about this is that it could be the perfect answer if you have good credit, bad credit or even if you have been turned down for a loan. You will learn that we are very flexible and will bend over backwards to inform people such as yourself--even for the secrets to financing that's "tough to get."

Frequently Asked Questions...

How Does It Work?

Thousands of People Have Used this to Get Hand-Picked Loan Sources That Are in Business to Approve Loans

It's time to get the credit you deserve. You can join the thousands of people who have received much needed credit by joining Access Loan & Credit Data today!