Is RadCred legit?
Yes, RadCred appears to be a legitimate loan matching service. It has an active website, partners with a range of lenders and there’s no evidence of scams tied to the platform. The company protects customer data by using encryption on its online application and sharing details only with lenders in its network.
But RadCred doesn’t have a profile on the Better Business Bureau (BBB) website, so it’s hard to get an accurate read of the company’s reputation. And its listed address traces back to a shipping store rather than a physical office, which makes the company look less than credible.
How RadCred compares to other lenders
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What is the Finder Score?
The Finder Score crunches 6+ types of personal loans across 50+ lenders. It takes into account the product’s interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate – this gives you a simple score out of 10.
Read the full Finder Score breakdown
What makes RadCred shine?
RadCred stands out for offering loans to a wide range of borrowers. And, there’s no minimum credit score requirement. The prequalification process is simple and straightforward. The company claims it can be completed 100% online in just 60 seconds.
Once you complete the preliminary application, you can view multiple offers from partner lenders, which saves you from having to shop around.
The speed of funding is also a plus. If your loan is approved before 10:30 a.m. Central Time on a weekday, you can get your funds the same day. If approval comes outside of that timeframe, your loan is typically disbursed the next business day.
Where RadCred falls short
The biggest downside to using RadCred is the limited loan amount it offers. Loans max out at $35,000, making this a poor choice for borrowers who need larger loans.
Repayment terms might also be a sticking point. They only go up to 24 months, which might not work for all borrowers. If you need more time to repay, check out lenders that offer long-term loans.
There are also a few issues with transparency. There’s no mention of fees or APRs on the RadCred website, so it’s hard to compare options without completing the preliminary application.
RadCred also warns that its services may not be available in all 50 states, but it doesn’t specify which states are ineligible on its website.
RadCred loan details
| Loan amount | $250 to $35,000 |
| Terms | Up to 24 months |
| APR | 5.99% to 35.99% |
| Turnaround | As soon as the same day |
| Minimum credit score | No minimum credit score |
| Other requirements | Be 18 years of age or older Be a legal US resident Have a valid Social Security number Have an active checking account Have a valid email address |
| Fees | Varies by lender |
| Availability | May not be available in all 50 states |
RadCred contact information
| Phone number | 631-646-1634 |
| Customer service hours | Weekdays 8 a.m. to 6 p.m. CT |
| support@radcred.com | |
| X, formerly Twitter | @radcredloans |
| @radcred |
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| Principal | $ |
|---|---|
| Interest | $ |
| Total Cost | $ |
How to qualify for RadCred
With no minimum credit score requirement, qualifications for a loan through RadCred are pretty easy to meet. They include:
- Be a legal US resident
- Be 18 years of age or older
- Have a valid Social Security number
- Have an active checking account in your name
- Provide a valid email address
How to apply
Getting started with RadCred is straightforward, and the whole process can be finished online in just a few steps:
- Complete the online form. Go to the RadCred website, select Apply Now and then enter your personal and financial details in the form provided.
- Review your loan options. Within about a minute, you’ll see personalized offers tailored to your credit profile and borrowing needs.
- Choose and apply with a lender. Select the offer that works best for you and complete the application process directly with that lender. This step may require a hard credit check.
- Receive your funds. Approved loans can be funded as soon as the same day if your application is approved before 10:30 a.m. CT on a weekday. Otherwise, expect your money to arrive the following business day.
RadCred reviews and complaints
| BBB accredited |
No |
|---|---|
| BBB rating |
N/A |
| Trustpilot Score |
4.6 out of 5 stars, based on 32 customer reviews |
| Customer reviews verified as of |
16 September 2025 |
RadCred has just 32 reviews on Trustpilot, all of which are positive. Only one reviewer gave the company three stars, while everyone else rated it four or five stars.
Customers repeatedly compliment its simple application process, fast disbursement and helpful customer support team. They also appreciate that RadCred is available to borrowers with lower credit scores. The only downside seems to be the cost of borrowing. Several customers say the rates could be lower.
What do people on Reddit say?
People on Reddit aren’t saying anything about RadCred. There are currently no conversations or comments that mention the company.
