Affiliate Disclosure

How We Make Money

24/7 Bad Credit Loans operates as an affiliate referral platform. When you click a link to a lender on our site and complete an application, that lender may pay us a referral commission. This is how we fund our service and keep our guides, tools, and support free for borrowers across Canada.

We do not charge you any fees for using our site, reading our content, or being referred to a lender. Any fees or interest charges you incur come directly from the lender you choose to work with, not from us.

Our Commitment to Honesty

Earning referral commissions creates an incentive to refer you to lenders. We take this seriously and manage it through clear editorial standards:

• We only recommend lenders we believe are legitimate and licensed
• We disclose our affiliate relationship on every referral page
• We do not rank lenders based on commission size
• We review all content for accuracy and fairness
• We welcome borrowers of all credit situations

Our editorial team, led by Steven Love, maintains these standards to ensure our recommendations serve your interests first.

What We Do Not Do

24/7 Bad Credit Loans is not a lender. We do not:

• Make lending decisions or approve loans
• Collect payments or manage loan accounts
• Guarantee approval or specific loan terms
• Charge application, processing, or referral fees
• Store your personal or financial information

When you apply through our referral links, you are applying directly to the lender. Your relationship, loan terms, and any fees are between you and that lender.

Lender Partnerships and Commission Structure

We partner with licensed lenders across Canada who offer fast e-transfer loans and welcome borrowers with all credit situations. Each lender sets its own terms, rates, and fees independently.

Commission amounts may vary by lender and loan product. We do not disclose exact commission figures because they are confidential business arrangements. What matters is that we are transparent about the fact that a commission exists, and that this does not change what you pay.

If a lender offers you a loan, the terms and cost are the same whether you arrived through our referral or found them another way.

Your Data and Privacy

When you submit an application through our site, your information is passed directly to the lender you selected. We do not store, sell, or share your personal data for any other purpose. For details on how we handle information you provide to us directly (such as newsletter signups or contact forms), please see our Privacy Policy.

Responsible Lending

We believe in responsible borrowing. Before you apply, please review our Responsible Borrowing Guide to understand loan costs, repayment obligations, and your rights as a borrower in Canada. Borrowing should be a tool you use carefully, not a quick fix.

Our Rating Methodology

We evaluate and compare lenders based on factors like speed, transparency, eligibility for bad credit, and customer experience. For a full explanation of how we rate lenders, see How We Rate Lenders.

Questions or Concerns

If you have questions about our affiliate relationships, how we earn money, or how we operate, please contact us. If you have a complaint about a lender, contact that lender directly or file a complaint with the provincial financial regulator in your province.

This disclosure is part of our commitment to transparency. We believe you deserve to know how we work so you can trust our recommendations.

Terms and Legal

For the full terms governing your use of this site, please see our Terms of Service.