Compare Personal, Installment Loans
& Bad-Credit
Offers

BroMoney works with 1,200+ licensed U.S. lender partners across its marketplace — a platform that connects borrowers with lenders, not a direct lender itself. In practice, each partner independently complies with federal regulations including TILA (Truth in Lending Act) and CFPB rules, as well as applicable state usury caps. Approval is subject to individual lender criteria and is not guaranteed by BroMoney. A network of this scale allows borrowers to compare a broader range of loan terms and rates through a single request, increasing the likelihood of finding competitive offers.

BroMoney is an online loan marketplace connecting borrowers with lenders across six product types: (1) personal loans, unsecured and for general use; (2) emergency loans; (3) payday loans, short-term and available where permitted by state law; (4) installment loans, fixed-term financing with scheduled payments; (5) bad credit loans, for borrowers with FICO scores below 600; and (6) personal loan refinancing. The platform also provides access to credit repair resources for borrowers looking to improve their credit profile. Note that BroMoney does not operate in New York, Arkansas, Vermont, or West Virginia, and payday loan availability varies by state law. Each lender independently sets the specific terms and availability criteria for every product. BroMoney does not originate or fund loans directly.

BroMoney earns a referral fee — a payment from the lender to BroMoney for connecting them with a qualified borrower — paid entirely by the lender, not you. There are no fees, hidden charges, or subscription costs for borrowers. BroMoney's 1,200+ licensed U.S. lender partners fund these referral fees as a standard cost of customer acquisition. Per FTC disclosure requirements for lead-generation platforms, BroMoney operates transparently: lender compensation does not influence which offers appear or how they are ranked during matching. BroMoney is a marketplace, not a direct lender — lenders originate and fund all loans.

Yes, BroMoney's network includes lenders who specifically work with borrowers with FICO (the most widely used credit scoring model) scores below 600. The matching process uses a soft inquiry, a credit check that does not affect your FICO score, so submitting your information carries no risk of further score damage. In practice, BroMoney's 1,200+ licensed U.S. lender partners increase your chances of finding a willing lender even with a lower score. Keep in mind that matching does not equal approval. Each lender sets its own eligibility criteria, and any offer is subject to that lender's individual review. If no match results, options such as working on credit improvement or applying with a cosigner can meaningfully strengthen your profile for future attempts.

Yes — some lender partners in BroMoney's network accept an ITIN (Individual Taxpayer Identification Number, a tax-processing ID issued to non-citizens and residents who are not eligible for an SSN) in place of a Social Security Number. In practice, BroMoney connects borrowers with 1,200+ licensed U.S. lender partners, and each lender sets its own eligibility criteria, so ITIN acceptance varies across the network. ITIN acceptance is not universal. Any match is subject to the individual lender's review, and approval is never guaranteed by BroMoney. To explore your options, submit one application through BroMoney — the system will attempt to match you with lenders that accept ITIN, and no SSN does not mean no options.

Lenders evaluate several core factors: your FICO score, income and employment stability, DTI (debt-to-income ratio), the loan amount requested, and your existing debt obligations. They pull your credit report from one or more major bureaus — Experian, Equifax, or TransUnion — to assess repayment risk based on your credit history. BroMoney is a marketplace, not a direct lender. In practice, its matching stage uses only a soft inquiry that does not affect your FICO score, while a hard inquiry — which may temporarily lower your FICO score by a few points — occurs only at the individual lender's stage, with your consent. Approval is subject to lender review and is not guaranteed — borrowers with credit scores below 600 may still find options within BroMoney's network of 1,200+ licensed lenders, but each lender applies its own criteria to your specific financial profile.