Guaranteed payday loans are actually bad credit payday loans that implies no hard credit check for approval. Such a loan allows you to borrow up to $1000 or more, which you must pay back in one or more repayments. You also have to pay interest and other fees. However, not everyone that requests a loan is approved, but with our strong network of lenders that we refer you to, you stand a higher chance of approval than any traditional lending institution.
That’s no guarantee but it is better than storefronts and virtually every online company. We have been in this business for over 10 years, so we have the knowledge and experience to help as many people as possible.
If properly used, bad credit payday loans with guaranteed approval can be a lifesaver. As payday lenders are most concerned with your ability to repay your loan. That is why they look carefully at your income and job status and verify your information is correct. Check your state website to learn what is allowed, as there are differences in state laws that may limit how much your loan can be, and if you can have more than 1 loan or not. Also, most states require lenders to be licensed in that state.
However, national lenders, like the ones we refer you to, have obtain all the proper licenses and follow strict guidelines set by the Online Lending Association.
Apply for guaranteed payday loans online in minutes, without driving around, tons of paperwork, and long waits. You just need to fill out an easy and secure request form. Once your loan request form is submitted, you get a really fast loan decision. The lender will call you to explain all the terms and conditions as well as to get your complete approval.
After you approve of the terms and conditions at which the loan is being given to you, it takes a short time to process your approval and actually get money into your bank account. It takes as little as one business day – excluding holidays and weekends.
Complete our online application. It's quick, easy, and secure.
If you’re accepted you will be connected directly to your lender, usually within 90 seconds or less.
Cash is deposited in your account in as little as 1 business day.
The original loan amount & any fees will be debited from your bank account on the due day.
These are some requirements that almost all states have enacted for payday loans. Payday loan laws in each state is different, so these are just guidelines that apply in most cases.
This is a difficult question. Payday loans for bad credit do exist and are quite common. No one with bad credit should feel they are not eligible for a payday loan. However, there are no bad credit payday loans with guaranteed approval.
Although our customers are approved at a rate greater than 80% using our powerful network of lenders, there are a little less than 20% who do not qualify for a payday loan. The only guarantee is that your loan request will be shown to more than 100 lenders increasing your odds of approval.
Some people ask about guaranteed loan approval with no credit check. As noted, delete the word guarantee. However, many lenders do not do credit checks; instead, they rely on databases that they can access electronically. This is because your credit score is not their greatest concern; having a steady income so you can pay back your loan is the most important factor.
Most people would interpret this to mean that they will get a loan no matter what. This is not possible. Some people have outstanding loans, have defaulted on previous loans, and similar situations that cause lenders to reject their application. Others do not have a steady source of income. All these situations will disqualify anyone from consideration.
Never believe that there are guaranteed approvals for bad credit loans. It is just common sense that there are no guaranteed cash advances.
As noted above, there is no guaranteed approval. However, there are things you can do to increase your odds of being approved.
If you have an existing payday loan, then pay it off. If you have a steady job but only for the last few weeks, wait until you have 3-6 months on the job before requesting. If you don’t have an active checking account, then get one – you need it for almost all payday lenders to work with you.
Request on weekdays (never on holidays) as more lenders work on weekdays than on weekends and holidays. If you requested on a weekend or holiday and were not accepted, wait 1 week and request again when more lenders review your loan request.
We make it fast (only 2-3 minutes), easy (short 1-page form), and safe with our SSL encryption systems. Another difference is we do not resell your contact information to a wide range of marketers (like so many others do).
After you submit the request, we delete your sensitive information to protect you further. We never charge an upfront fee for our services. Anyone who requests money upfront for a loan is scamming you. NEVER pay anything in advance for a loan.
There are offshore scammers using U.S. company names to try to fool people by “guaranteeing” a loan and then asking for a deposit. They are just stealing money from those that need it the most. If you are asked for a deposit or guaranteed a loan, run away as fast as you can.
We are here to help you as much as we can to get the payday loan you need. We don’t guarantee a lender will contact you, but we do everything we can to have the best lenders and more than 100 of them who have money to loan right now.
Note: We are a referral source with more than a decade of service and 100+ direct lenders in our network to refer you to.