Bad Credit Loans Urban BCL

Mon-Fri: 7 am–9 pm
Sat-Sun: 7 am–7 pm
3635 S Federal Hwy, Boynton Beach, FL 33435, United States
Visit Website

Are you looking for bad credit loans at urban bcl? Is Urban BCL the best solution for you? I know you are in dire need of a small sum of money right now. But with so many lenders on the market, it isn't easy to decide which one to choose.

We did a full review and found that Urban BCL is a good choice if you have a bad credit score, while there are some better options you can consider.

Urban BCL

Urban BCL

What Is Urban BCL, and How Does It Work?

Urban Bad Credit Loans is an online loan broker that helps you find the right lender for bad credit loans.

It works with a network of lenders willing to lend to borrowers with bad credit scores (below 580) and will do their best to get you approved to ease your financial woes.

Urban BCL: An Overview

  • Est. APR: 5.99% to 35.99%
  • Loan amounts:$100 to $5,000
  • Loan types:Bad credit loans, Personal loans, Unsecured loans
  • Min. Credit score:No minimum credit score is required
  • Funding time:24 Hours deposit available
  • Loan term:2 to 24 months
  • Min. monthly income: At least $1,000 in your account monthly from any source
  • Credit check:A soft credit inquiry will be conducted for pre-qualification and a hard credit check for a formal application.
  • Your bad credit score is not a hindrance
  • The application process is fast and easy
  • You don’t have to pay for the service
  • There is no compulsion to accept a loan offer
  • You don’t need a collateral or co-signer to apply for the loan
  • You can enjoy adjustable repayment terms
  • You will have to pay higher interest
Bottom Line

If you have bad credit, want a small loan ($100 to $5,000), and have the confidence and ability to pay off the loan within 2-24 months, bad credit loans urban bcl is a good choice.

What Makes Urban BCL Stand Out

3 Reasons Why Bad Credit Loans Urban BCL is a Good Choice!

Your bad credit score is not a hindrance

You don’t need a good credit score to be eligible for bad credit loans urban bcl. Urban BCL helps you secure bad credit loans from its reputable partner lenders even if you have a bad credit score or no credit history.

The application process is fast and easy

You don't have to fill out paperwork, make countless calls, or search for branches to borrow money. Visit and adhere to the easy instructions to apply for bad credit loans urban bcl in just a few clicks!

You don’t have to pay for the service

Urban BCL is committed to providing quality services to its users for free. It connects borrowers with members of its lender network for free.

There is no compulsion to accept a loan offer

You do not have to accept a loan offer you get as a result of your application. Unless you sign the contract, nothing is enforceable. Borrowers move forward if they are happy with the bad credit loans urban bcl offer.

You don’t need a collateral or co-signer to apply for the loan

When you apply for bad credit loans at urban bcl, all loans for those with bad credit don't require collateral. Therefore you don't have to submit anything as security. Additionally, you don't need a second person as a co-signer to be accepted.

You can enjoy adjustable repayment terms

Lenders that work with Urban BCL offer flexible repayment terms. They allow you to customize how you pay back the amount you borrow based on your affordability, budget, or preferences.

You can choose to make repayments over 2 to 24 months, with weekly, fortnightly, or monthly repayments.

Where Urban BCL Falls Short

You will have to pay higher interest

Lenders might consider borrowers with bad credit as a risk to lend money. So the interest rates are usually higher than those on traditional loans at banks and higher than those with good credit scores.

Compare Urban BCL with Other Lenders

If you have bad credit, want a small loan ($100 to $5,000), and have the confidence and ability to pay off the loan within 2-24 months, bad credit loans urban bcl is a good choice.

But if you want to borrow more than $5,000 and need a longer repayment period, you can also consider the following three lenders based on the same Est.APR and no Min. credit score requirement.

Urban BCL
Personal Loans™
$100 to $5,000
Loan Amounts
$1,000 to $35,000
$500 to $10,000
2 to 24 months
Loan Term
3 - 72 months
3 to 72 months
24 Hours deposit available
Time to fund
One business day
One business day
No minimum credit score is required
Min. credit score
600 for peer-to-peer loans; 580 for personal installment loans and bank personal loans
Undisclosed, but it accommodates borrowers with bad credit.

Eligibility Criteria for Urban BCL

Comparing Urban BCL With Other Lenders

You must fulfill the following requirements to qualify for bad credit loans at urban bcl.

  • Legal age: You must be above 18 years to get a bad credit loan except for Arizona and Oregon where the legal age is 16 years old.

  • Valid identification: Valid identification documents such as a government-issued ID card, passport, or license are a must to show your age and citizenship.

  • Active bank account: An active bank account is also required through which you can receive the loan from Urban BCL.

  • Proof of stable income: A stable income proof such as a job statement is necessary to show you are able to pay back the loan.

Extra Tip:

Following US financial regulatory laws, lenders in Urban BCL's network perform soft credit checks on applicants to determine their cash flow after monthly payments are deducted.

Contrary to routine hard credit inquiries, these checks do not appear on the applicant's credit record and have no impact on your credit score.

How to Apply for a Bad Credit Loan at Urban BCL in 8 Steps

Apply Urban

Apply Urban

  1. Go to

  2. Enter the amount you need, your email, and your ZIP code.

  3. Hit the submit button to submit your information.

  4. You will receive a notification when a lender is ready to give you money.

  5. Make sure to enter the same information on the lender's registration as you entered on Urban BCL.

  6. The lender will review your application and will share terms and agreements with you if he decides to give you a loan.

  7. You will have to submit some documents or proofs to proceed if you are subsequently approved.

  8. Sign the contract to receive your money.

Crediyelp’s Rating of Urban BCL

Overall Score 4.3 Explanation
Requirements & Application 4.6 The application process is fast and easy.
Loan flexibility 4.6 You can enjoy adjustable repayment terms.
Affordability 4.5 The average APR is not very high. But you will be charged a relatively high-interest rate given your bad credit score.
Customer experience 4.3 The overall customer experience is average.
Transparency 3 Urban BCL is not very transparent compared to many lenders.

4 Important Details to Consider Before Borrowing From Urban BCL

1. Ensure All Your Information is Correct

You must enter the true and correct personal information. Lenders require identification, documentation of your source of income, and confirmation that you are at least 18 years old.

Giving false information will not make a good impression since the lender will view you as dishonest and unsure of your ability to repay the loan if they grant it.

2. Ensure You Can Repay the Loan

You need to calculate your monthly payment and avoid taking out a hefty loan that you won't be able to pay back on time. You have to pay additional interest if you fail to repay your payments on time.

3. Compare and Choose the Right Lender

Compare the rates, terms, and fees of the offers you have at hand to determine the one that best suits your needs.

4. Examine the Loan Terms and Agreement Properly

Any loan contract agreement must be carefully studied before you sign them. You don't want the loan agreement you signed to turn out to be a fraud. You have the option to waive the loan contract agreement if it doesn't satisfy your needs.

FAQs About Urban BCL Loans

Q1: Do You Need a Guarantor for Bad Credit Loans at Urban BCL?

No, you don't need a guarantor to qualify for a bad credit loan at Urban BCL. All you need to get approved is to fulfill the requirements mentioned above in this article.

Q2: Can You Get Multiple Bad Credit Loans at Urban BCL?

No. You can only get one loan at a time. Before being eligible for another loan, all previous loans must be fully repaid. Your credit score may suffer if you submit several forms in quick succession. Taking out many loans can also cause you to become heavily indebted.

Q3: How to Increase My Credit Score Effectively?

  • Carefully analyze your credit reports.
  • Pay your bills on time.
  • Make sure not to use more than 30% of your available credit.
  • Monitor your credit progress for a better score.
  • Don't apply for more credit cards if you don't need them.
  • Don't close the old accounts that you are not using because it will transfer credit to your other cards.

The information on this page is provided "as is" for informational purposes only and not for any other purpose or advice. In addition, this information did not originate from us; therefore, we do not guarantee its accuracy.

You can check each professional's or company's profile page to determine if they are a paid advertiser (indicated by the word "sponsor"). Regardless of the advertiser's identity, no listing, review, or other information on CreditYelp constitutes in any way a recommendation or endorsement by us of the respective financial firm or professional or vice versa. Also, it is essential to note that including a financial firm or professional on CreditYelp does not necessarily mean they are involved with the site or control the information we display. Information is displayed primarily for the benefit of consumers.

The editorial and user-generated content on this page has not been reviewed or endorsed by any financial institution. Additionally, it is not the financial institution's responsibility to ensure that all posts and questions are answered.