Effective Date: 12/04/2025

Bad Credit Nerd (“we,” “us,” or “our”) participates in various affiliate advertising programs and may earn commissions when you click on links or sign up for products and services recommended on this website. This Affiliate Disclosure explains how these relationships work and how they may affect the content you see on badcreditnerd.com (the “Site”).

1. What Is an Affiliate Relationship?

Some of the links on this Site are “affiliate links.” This means that if you click on a link and make a purchase, open an account, or complete another qualifying action, we may receive a commission or referral fee from the company at no additional cost to you.

Affiliate programs help support the operation of this Site and allow us to continue creating free content, guides, and tools for our visitors.

2. No Additional Cost to You

If you click on an affiliate link and complete a qualifying action (such as applying for a credit card, signing up for a service, or making a purchase), the price you pay is the same whether you use our link or go directly to the website. You do not pay anything extra because of our affiliate relationships.

3. Amazon Associates Disclosure

Bad Credit Nerd is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn fees by advertising and linking to Amazon.com and related sites.

As an Amazon Associate, we may earn from qualifying purchases made through links on this Site.

4. Other Affiliate Programs and Partners

In addition to Amazon, we may participate in other affiliate programs and partnerships, including but not limited to:

  • Credit card issuers and credit card affiliate networks
  • Banks, credit unions, and financial service providers
  • Credit monitoring and identity theft protection services
  • Personal finance tools, budgeting apps, and related software
  • Other merchants, platforms, and service providers relevant to our content

Our participation in these programs means we may earn referral fees or commissions when you use our links and sign up for products or services.

5. How Affiliate Relationships Affect Content

We aim to provide honest, accurate, and helpful information regardless of whether we have an affiliate relationship with a company. Compensation may influence:

  • Which offers are displayed on a page
  • The order in which products or offers appear
  • Which partners we choose to work with

However, compensation does not change our commitment to providing information designed to help you make informed decisions. We do not guarantee approval, specific results, or outcomes for any offer listed on our Site.

6. No Financial or Legal Advice

The information on this Site is for informational and educational purposes only and should not be considered financial, legal, or professional advice. You should always do your own research and consider consulting with a qualified professional before making financial decisions, including applying for credit, taking out loans, or using financial products and services.

7. Your Responsibility

You are solely responsible for:

  • Evaluating whether a product, service, or financial offer is suitable for your situation
  • Reviewing the terms, conditions, fees, interest rates, and disclosures provided by the third-party provider
  • Making decisions based on your own financial circumstances and risk tolerance

We encourage you to carefully review the terms and conditions of any product or service before applying, purchasing, or signing up.

8. Third-Party Websites

Our Site contains links to third-party websites and offers. These external websites have their own terms of use, privacy policies, and disclosures. We do not control and are not responsible for:

  • The content on third-party websites
  • The accuracy of information on third-party sites
  • Any products, services, or offers provided by third parties

Your interactions with third-party sites are solely between you and the third party.

9. Transparency and Updates

We believe in transparency about our affiliate relationships. If you have any questions about how we are compensated or about specific links or recommendations on this Site, you may contact us using the email address below.

We may update or revise this Affiliate Disclosure from time to time. The “Effective Date” at the top of this page indicates when this Disclosure was last updated. Your continued use of the Site after changes are posted constitutes your acceptance of those changes.

10. Contact Us

If you have any questions about this Affiliate Disclosure or our relationships with advertisers, partners, or affiliate programs, please contact us at:

Bad Credit Nerd
Email: legal@badcreditnerd.com