The IndyLend marketplace doesn’t participate in lending agreements or set any terms. So, the company is not responsible for your negotiations with a particular provider. However, as a search tool, it helps people deal with loyal direct lenders who accept clients with bad credits. In other words, clients with a credit score from 300 – 579 (poor) and 580 – 669 (fair but not enough for banks and credit unions) may count on decent offers and acceptable interest rates, as they’re going to be in such circumstances.