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COMPACOM TEAM

April 13, 2020

In general, it takes about 3 to 6 months to fix bad credit. It may depend on the number of mistakes to correct.

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Compacom.com is an independent referral advertising and information service that helps borrowers get the loan amount they need quickly from the most suitable lender. We offer to complete one application form online, get access to 300+ lending companies, and choose loan rates and terms that are convenient for you. While we may or may not be affiliated with the companies we mention on our website, we may receive compensation from our partners for featured placement of their products or services. We may also receive compensation if you click on certain links posted on our site.

We endeavor to ensure that the information on this site is current and accurate, but it may be different from what you find on other companies' websites. So confirm any details with the product or service provider before you sigh the agreement. Compacom.com is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

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Last updated: April 2026

APR Disclosure APRs vary by loan type and lender. Cash advance loans: 200%–1,386%. Installment loans: 6.63%–485%. Personal loans: 4.99%–450%. Auto title loans: typically 100%–300% or higher. Emergency loans vary depending on product structure and term. Loans from states without rate-limiting laws may carry even higher rates. Lenders are legally required to disclose your APR before you sign any agreement. APR rates are subject to change.

Who we are and what we do Compacom.com is an advertising referral platform — not a lender, broker, or financial advisor. We do not originate, evaluate, approve, or deny loan applications. Our sole function is to connect users with a network of participating third-party lenders who may offer credit products ranging from $100 to $50,000. Any compensation we receive is paid by participating lenders for advertising services. We do not charge users any fee and do not endorse any specific lender or product. Nothing on this platform constitutes a solicitation or offer to lend.

Loan types and amounts Lenders in our network may offer cash advance loans up to $1,000, installment loans up to $5,000, personal loans up to $50,000, auto title loans secured by the borrower's vehicle title, and emergency loans for urgent, unplanned financial needs. Not all lenders offer every product type or maximum amount. Available products and limits vary by lender and state law. Approval for any amount or product is not guaranteed.

Lender responsibility Compacom.com has no control over any lender's activities, decisions, or practices. Each lender is solely responsible for their rates, fees, repayment schedules, disbursement timelines, late payment policies, and renewal terms. We do not have access to your full loan terms. Contact your lender directly for any loan-specific questions. For auto title loans, be aware that failure to repay may result in repossession of your vehicle.

No guarantee of approval Submitting an application does not guarantee an offer of credit. Your application may be forwarded to multiple lenders to improve match likelihood, but approval is solely at each lender's discretion. Amounts, terms, and cash transfer times vary by lender and may be limited by state law.

Credit checks and data sharing By submitting information on this platform, you agree that your data may be shared with lenders in our network and affiliated entities per our Privacy Policy and Terms of Use. Lenders may conduct credit checks via Equifax, TransUnion, Experian, or alternative sources. Such inquiries may appear on your credit report. Use of this platform is entirely voluntary.

Late payments and non-payment consequences Late or missed payments may result in additional fees, increased interest, and referral to collections, and may negatively affect your credit standing. For auto title loans, non-payment may also result in vehicle repossession. Each lender sets its own late payment and renewal policies — review these carefully before signing.

Short-term loan advisory All loan products offered through this platform — including cash advances, title loans, and emergency loans — are intended for immediate, one-time financial needs and are not a long-term financial solution. Before applying, consult a qualified financial advisor and explore all available alternatives. Only borrow what you can repay by your next pay period.

State eligibility and exclusions Loan products are not available in all states. Residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia are not eligible to use this platform. Auto title loans and emergency loans may be subject to additional state-specific restrictions. Serviced states may change without notice.

Lender licensing and regulatory compliance Lenders in our network are generally required to be licensed in the states where they operate. We recommend verifying your lender's licensing status with the relevant state regulatory agency before proceeding. Compacom.com makes no representations regarding any lender's compliance with state or federal law.

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