Bad Credit Loans is not a lender and does not provide loans or make lending decisions. only provides a matching service between consumers and lenders. does not guarantee that a completed application will result in you being matched with a lender. A standard credit check is not conducted during the loan approval process. Lenders will not contact the three major credit bureaus: Experian, Equifax, and Trans Union. Credit checks or consumer reports, however, may be conducted by some lenders through alternative providers like Teletrack or DP Bureau, which typically will not affect your credit score. “Instant loan” and other disbursal time estimates indicate possible disbursal rates. Actual disbursal may vary, but will arrive no later than the following business day.