Top 9 Bad Credit Loans Guaranteed Approval: Get Bad Credit Loan Today

Financial emergencies can come anytime, irrespective of your credit score or financial status. So a loan might be the right choice for you. But if you are someone with a bad credit score, it can be really difficult for you to find a lender who can offer you a loan at an interest rate where you can manage your loan as well as your expenses. 

A loan can affect your credit score in both positive and negative ways. So you need to be cautious while selecting a loan. Moreover, things can be more difficult for bad credit holders. After all, even a single missed payment can mess up your credit score. 

In this article, we are going to tell you about the top 9 bad credit loans guaranteed approval, where you will definitely get a personal loan, no matter how bad your credit score is. We will also tell you about the loan qualifications and how you can get bad credit personal loans guaranteed approval. So now let’s get to know more about this.  

9 Best Loans for Bad Credit With Guaranteed Approval

In this section, we are going to tell you about the top 9 lenders for bad credit loans guaranteed approval. They will approve your loan application and will deposit the loan amount into your bank account within 1 to 2 business days. So if you are looking for an emergency loan with bad credit guaranteed approval, you can go with any of them that fits all your needs. Let’s have a look at the list of lenders and their pros, cons, and features. 

1. CashUSA.com

CashUSA.com is one of the most reputed and known money lending companies in the U.S.A. They will definitely offer you bad credit personal loans with guaranteed approval. CashUSA.com is not a direct lender, but as soon as you apply for a loan at CashUSA.com. they send your loan application to different lenders and you start receiving loan offers. 

If you like the loan offer of any particular lender, you can seal the deal with them and after the formalities, the loan amount will be deposited into your bank account within a single business day. Through CashUSA.com, you can get a maximum loan of up to $10,000. But your monthly income should be at least $800, then only your loan application would be approved. 

2. MoneyMutual

When we are talking about guaranteed loans for bad credit, it is impossible to forget about MoneyMutual. After all, they offer the best bad credit loans with guaranteed approval. You can get a maximum loan of up to $5,000 from MoneyMutual, so they are ideal for all your urgent money needs. 

Their APR can range from 5.99% to 35.99%. It comes with a limited APR of 35.99% and if any lender asks for an APR of more than 35.99% then you can report it to MoneyMutual and they will take action against that lender. Their loan services are free of cost, so they do not charge any fee for their services. Till now, they have served more than 2 million customers and have thousands of positive ratings and reviews online. 

3. CreditLoans.com

In order to get emergency loan bad credit guaranteed approval from CreditLoans.com, you need to have a minimum monthly income of $250. They offer you a minimum loan of $250 and a maximum loan of up to $5,000. So if you are stuck in an emergency and need a small amount of money immediately, you can definitely go with CreditLoans.com. 

Their loan application is so simple that it would not take you more than 5 minutes in total to fill up the loan and send the application. Just within 5 to 10 minutes of sending the application, you will start receiving loan offers. If you like any offer, you can talk to the lender and confirm the deal. Once the whole process is complete, you will receive the funds in less than 24 hours. 

4. BillsHappen

Looking for bad credit installment loans guaranteed approval? BillsHappen got your back. They offer you a minimum loan of $500 which can be up to $5,000. In order to get a loan from BillsHappen, you need to have your own active bank account and a social security number. 

Once you send your loan application at BillsHappen, you will receive multiple offers, and then you can select the one that fits all your needs. They offer the loan without income proof and they do not even check your credit score during your pre-qualification. Though the interest rate for bad credit holders can be very high. 

5. PersonalLoans.com

If you are looking for bad credit personal loans guaranteed approval, then PersonalLoans.com can be a perfect choice for you. They offer the best personal loans for bad credit holders. Moreover, you will get so many amazing loan offers that it might be a little difficult for you to select one loan. 

They offer loans ranging from $500 to $35,000. So if you need a large amount of money as a loan, you can definitely consider PersonalLoan.com. The APR can be somewhat between 5.99% to 35.99% depending on your loan amount and credit score. And you will need to repay the loan amount within 3 months to 72 months. 

6. BadCreditLoans.com

As the name suggests, this lending service is specially made for people with bad credit. Initially, BadCreditLoans.com use to offer only bad credit personal loans guaranteed approval. But with time, they expanded their services and now they offer loans to people with all credit scores. 

BadCreditLoans.com offers loans ranging from $500 to $10,000. And the APR can be between 5.99% to 35.99%, depending on your credit score. Moreover, they send your loan application to multiple lenders so you get to select the better loan deal for yourself. To get a loan from BadCreditLoans.com, your age must be 18 years or more and you must be a citizen of the U.S.A. 

7. CashAdvance.com

Just need a small amount of money as a loan? CashAdvance.com is there for you. They offer a loan ranging from $100 to $1,000. Their loan application is so simple that it would take less than 5 minutes to fill out their form and as soon as you send the application, your loan gets approved within minutes. 

In order to get a loan from CashAdvance.com, your age should be 18 years or more. You also need to have your own active bank account and official contact number. Moreover, you need to be a citizen of the U.S.A., then only you will qualify for a loan from CashAdvance.com. CashAdvance.com is a good option for bad credit installment loans with guaranteed approval. 

8. SmartAdvances.com

SmartAdvances.com is a perfect fast funding money lending website for you that deposits the loan amount into your bank account within 1 to 2 business days. They offer bad credit loans guaranteed approval ranging from $100 to $20,000. The interest rate, loan term, and annual percentage rate may vary from lender to lender. 

But while applying for bad credit personal loans guaranteed approval, you need to keep in mind that the interest rate might be extremely high for your loan. The best thing about SmartAdvances.com is, they do not charge any hidden fees. Also, you can get loan approval in just 2 minutes. They also offer bad credit installment loans guaranteed approval.

9. 24/7 Lending Group

Do you know what is the best thing about 24/7 Lending Group? No matter at what time you apply for a loan, you will start getting loan offers within minutes. So if you need some money urgently in the middle of the night, you can turn to 24/7 Lending Group. As soon as you like a loan offer, you can confirm the deal and you will receive the loan amount in your bank account within minutes. 

They offer loans ranging from as low as $500 to $35,000 at an interest rate of 5.99% to 35.99%, depending on your loan amount and credit score. To get a loan from 24/7 Lending Group, your age must be 18 years or more and you must be a citizen of the U.S.A. You also need to have your own Social Security Number. Overall, it is a good option for bad credit personal loans guaranteed approval.

What is a Bad Credit Loan? 

A bad credit loan is basically a loan that is offered to people with a credit score of fewer than 450 points or no credit history at all. Bad credit loans generally come with high APR and interest rates because by offering you a loan, the lender is putting their money at risk because of the fewer chances of repayment. 

If you are a bad credit holder, a bank or a credit union will simply deny your loan request. Moreover, a bank takes days to approve your loan request and deposit the loan money and the paperwork can be really tiring. 

But there are some direct lenders and money lending websites that might offer you bad credit loans with guaranteed approval. So in case of emergency and urgent money need, it is better to go to a direct lender or money lending website for instant loan approval and money deposit. They generally take less than a day for the whole approval and deposit process. 

What is the Perfect Credit Score for a Bad Credit Loan?

Since we are talking about bad credit loans, there is no perfect credit score for it. Generally, a credit score below 550 is considered as bad, but it may also differ from lender to lender. Some lenders might offer you bad credit loans even with a credit score of less than 300 or no credit history at all, and some may deny your loan request even with a credit score of 500. 

So it completely depends on the lender. And in case you have a history of managing loans and repaying them on time, your chances of getting bad credit loans guaranteed approval increases. To get a better deal, you will need to do your research and compare all the potential lenders that might offer you a loan with your credit score. 

Can I Get a Guaranteed Loan With a Bad Credit Score? 

Are you someone with a bad credit score? Do not worry, we have good news for you. Even with a bad credit score or no credit history at all, you can get bad credit personal loans guaranteed approval. There are thousands of direct lenders and financial institutions in the U.S.A. that would happily offer you guaranteed approval loans.
If you want to get a bigger amount as a loan, you can get bad credit loans guaranteed approval monthly payments which would allow you to repay your loan in monthly installments. But you need to keep in mind that with a bad credit score, you will get approval for guaranteed loans with high-interest rates and high annual percentage rates only.

Advantages of Bad Credit Loans Guaranteed Approval

In this section, we are going to tell you about the top 5 advantages of bad credit loans guaranteed approval. These loans are extremely easy to get, and if you manage them well, they can also help you in building your credit score. 

1. Easy Online Loans

To get a loan from a bank or a credit union, you need to go to the institution several times. But when it comes to bad credit personal loans guaranteed approval, you just need your phone, tablet, or laptop and a stable internet connection. You can just go to the lender’s website and apply for a loan in minutes. 

2. You Can Improve Your Credit Score 

Are you wondering whether personal loans affect credit scores? Well, yes it does. Loans come with a good opportunity of boosting your credit score. If you pay all the installments of your loan on time, you can increase your credit score. Moreover, it also improves your chances of getting a loan in the future by showing that you can manage and repay a loan on time.

3. Instant Approval

Where a bank or any other financial institution takes days to approve your loan, the paperwork can be tiring. So it is better to go for bad credit personal loans guaranteed approval through money lending websites because no matter how bad your credit score is, they will approve your loan application in minutes. 

4. Instant Funding 

Do you know what is the best thing about guaranteed approval loans? The funding is extremely fast. As soon as you confirm a loan deal with any particular lender, after the loan approval, the loan amount is deposited into your bank account within 1 to 2 business days. For bad credit personal loans guaranteed approval, some direct lenders also deposit loan money within just a few hours. 

5. Several Offers are There 

When you apply for a loan at a bank, you get just one offer, and you have to decide if you want the loan or not. But when it comes to online money lending websites, they send your loan applications to multiple lenders and then those lenders send you their loan offers. So you get a loan of options to select from. You can select the best loan offer that fits all your needs. 

How to Get a Guaranteed Loan with Bad Credit? 

In order to get bad credit personal loans guaranteed approval, first of all, you will need to make sure that you are eligible for the loan. You will need to check all the qualifications mentioned below: 

• Your age must be 18 years or more.
• You must own an active bank account. 
• Not necessarily a job, but a monthly income needs to be there. 
• You must be a citizen of the U.S.A. 
• An official contact number and e-mail account must be there.
• You must have your social security number. 

If you check all the criteria mentioned above, then only you will qualify for a loan. Now let’s get to know how you can get a loan with bad credit. 

Now to get the best loan, make sure that you follow the step-by-step process given below. 

1. Decide the Loan Amount That You Need

It is important to have some money in your emergency funds, but if due for any reason you do not have an emergency fund or do not have enough money in your emergency funds, then you can seek a loan. But before applying for a loan, you should sit down and think about how much money you actually need. 

Because initially it might look nice to have a lot of money in your hand, but you will need to return that money with a high-interest rate. So make sure that you apply for an amount of loan that you actually need and not what you can get. Because some lenders might try to distract you by offering a high amount of loan but you should be very rigid with your numbers. 

2. Compare All the Loan Options

Once you have a clear idea about the loan amount, have a look at your credit score. Now make a list of all the possible lenders that might offer you a loan with your current credit score. After this, compare all the important factors like loan amount, loan term, interest rate, APR, fees, etc. Now select 2-3 best options that would fulfill all your loan requirements.  

3. Apply for Pre-Qualification 

After this, apply for prequalification, so that before actually applying for a loan and going through a hard inquiry, you can know what amount and rates you might get. This will allow you to have an idea about the loan with just a soft credit inquiry. 

4. Make a Loan Repayment Plan

Now that you have some idea about the loan amount and the term and rates of the loan that you might get, make a loan repayment plan. See if you would be able to repay the loan and manage the expenses with your current income. Find out your debt-to-income ratio. 

5. Make the Final Call  

Now that you have enough knowledge about the loan amount, loan term, interest rate, APR, fees, and everything, about bad credit personal loans guaranteed approval send your final loan application to the lender that fits your needs. Just within a few minutes, your loan application will be approved and within 1 to 2 business days you will receive the loan funding.  

Frequently Asked Questions (FAQs)

Q1. How to get a guaranteed loan with bad credit?

In order to get bad credit loans guaranteed approval, it is better to go for online money lending websites instead of banks or any other financial institutions. Also, make sure that you qualify for the eligibility criteria, then only you will get the loan. 

Q2. What is the easiest loan to get with bad credit?

Bad credit personal loans guaranteed approval are the easiest loans to get with a bad credit score. You can go for online money lending websites like CashUSA, MoneyMutual, BadCreditLoans.com, etc to get a personal loan.  

Q3. How to get a loan with a bad credit score?

If you are someone with a bad credit score, you will need to keep in mind that you will get a loan with high-interest rates only. If someone is offering you bad credit personal loans guaranteed approval with an extremely low-interest rate, things can be fishy. Moreover, to get a loan, make a list of all the potential lenders and then compare their important factors. Also, make sure that you pass the eligibility criteria of the loan, then send your final loan application. 

Is Bad Credit Loans Guaranteed Approval Worth it? 

Yes, bad credit loans guaranteed approval are completely worth it. In case of emergency, they are perfect for you because of their instant approval and fast funding. But you will need to make sure that you repay the loan on time, and do not miss any installments, otherwise, this loan can get you in trouble. You might end up losing your hard-earned credit score or even a permanent charge-off might also appear on your credit report if you miss the payment for more than 180 days.