Bad Credit Loans with Guaranteed Approval: No Credit Check Loans

Almost everyone may fall on hard times. It may be a lost job, medical expenses, or an unexpected emergency that drained your bank accounts. At the same time, people can not always qualify for a credit union or bank loan options due to harsh eligibility criteria and credit difficulties.

Luckily, alternative loan services provide bad credit loans without hard credit checks.

It means that you don’t have to worry about your credit history and financial reputation. Online loan platforms provide funds within one business day and don’t ask annoying questions.

However, before applying for loans with no credit check guaranteed approval learn the available loan products, their strong and weak sides.

If you still don't believe that it is possible to get a loan with no credit check, keep reading this article till the end. We are here to make your life easier!

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Best choise
2000.00 personal loan
Best for Fair Credit



this rating is our subjective opinion

Minimum Credit Score


APR Range

59% - 199%with autopay

Loan Amounts Up to $100 per day
Fixed APR Does not charge interest
Loan Terms Until your scheduled payday
Frees No late fees ororigination fees
Time to Recive Funds Same day funding avalible
Recommended Credit Score No credit check required
Read the full review: Earning Personal Loans
Best for Fair Credit



this rating is our subjective opinion

Minimum Credit Score


APR Range

59% - 199%with autopay

Loan Amounts Up to $100 per day
Fixed APR Does not charge interest
Loan Terms Until your scheduled payday
Frees No late fees ororigination fees
Time to Recive Funds Same day funding avalible
Recommended Credit Score No credit check required
Read the full review: Earning Personal Loans
Best for Fair Credit



this rating is our subjective opinion

Minimum Credit Score


APR Range

Between 5.99% and 35.99%

Loan Amounts From $100 to $10000
Fixed APR Does not charge interest
Loan Terms From 90 days to 70 months
Fees No late fees origination fees
Time to Receive Funds Same day funding available
Recommended Credit Score No credit check required

Bad Credit Personal Loans: Guaranteed Approval With No Credit Check

You must remember that there are various credit loan companies that offer a wide range of services. Not all personal loans are secured options with collateral. Many online lenders provide unsecured loans up to $5,000. Such emergency loans are issued without a credit history check and can be used for a range of purposes, including debt consolidation, paying off higher-interest credit cards, catching up on student loans, or paying down medical bills.

Overall, debt in the U.S. hit a record of $13.21 trillion in 2018. In 2021, the average individual consumer owed $26,621, which has been falling steadily since 2018, according to Statista.

PayDaySay offers quick and hassle-free personal loans with no-credit-check. By sending one loan application, you can reach multiple no-credit-check lenders. That means they won’t conduct a hard pull to review your credit rating. Instead of focusing on your bad credit score, they look at your employment status, bank details, and the like.

bad credit loans guaranteed approval

3 Steps to Request Funds Online


Fill out the Form

  • short and easy form
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See If You're Approved

  • real-time request review
  • large network of lenders

Check Your Account

  • convenient borrowing option
  • money into bank account

Guaranteed Loan Approval Process

Payday loans online no credit check instant approval can be a lifesaver when you need cash that you pay back - often the day after your payday. You get instant approval with no credit check and no teletrack - which accesses information beyond your payment history and looks at things like if you made ontime payments on utilities and rent. Emergency loans can offset temporary financial hardship.

Plus, you can access multiple lending platforms with no obligation to accept any offer. Your personal information is safe and secure, and completely confidential. Once your application is approved, you’ll get an online agreement, which you can e-sign and wait for your funds to be deposited directly into your bank account.

Types Of No Credit Check Loans With Guaranteed Approval

People with poor credit scores often feel embarrassed when thinking about applying for funds. However, online loans have revolutionized the financial market. Unlike bank loans, they are available to everyone with regular income sources.

Types of no credit check solutions include secured and unsecured loans. Note that the first option uses the personal property as collateral. If you violate repayment terms, you may lose it.

All in all, there are various bad credit loan types. Since online lenders don’t set harsh eligibility criteria, they allow you to get money within one business day.

To get a no credit check loan, you don’t have to go through a credit history check. Indeed, you must prove your ability to repay the debt. That’s why bad credit loan providers pay attention to the borrower’s income and debt-to-income ratio. Each lender sets different requirements as to the minimum monthly income.

Finding the best no credit check solution may be challenging. To make it possible, you must learn the peculiarities of each loan product. If you are not ready to spend so much time and effort on the research process, you can find all the necessary information below.

Personal Loans For Bad Credit

A personal loan is the amount of cash a borrower can receive for covering financial needs. You can use the money to improve your bad credit score, afford home repairs, the vacation of your dream, etc.

Since at a traditional financial institution you will face a hard credit check, it may be challenging to meet the eligibility requirements. Luckily, online lenders provide unsecured and secured loans for bad credit.

To qualify for the money, you need to fill in a short application form and specify your banking and contact information, including full name, email address, source of income, debt to income ratio, and the like. Note that a borrower must be a US resident and at least 18 years old.

A personal loan is an installment loan repaid in equal regular contributions. Such monthly loan payments make life more predictable and reduce the financial burden.

If you have a poor credit history, a personal loan is an excellent way to get a loan without a credit check.

Payday Loans For Bad Credit

Payday loans are the most popular among borrowers with bad credit scores. This loan type is available without a credit check and reports to credit bureaus.

Payday lenders offer short-term financial solutions that must be repaid from the next payday. The repayment terms usually vary from 14 to 30 days.

A payday loan is a good option if you need a small loan amount instantly. To get this online loan, you need to complete a fast application process and meet basic eligibility recruitments that include age, place of residence, personal and banking information.

Like most other unsecured loans, it comes with relatively high interest rates. Payday lenders may also charge an origination fee and late payment penalties. It means that if you are not sure whether you can follow the repayment terms, it is better to think about other types of no credit check loans.

Car Title Loans For Bad Credit

If borrowers can’t qualify for payday loans or cash advance funds, they are usually recommended to apply for car title loans.

A car title loan allows you to use your vehicle instead of a bad credit score. The loan amount depends on many factors, including the car value and your creditworthiness.

On the other hand, auto loans are used when a person wants to buy a car. In such a situation, a car serves as collateral for the rest of the repayment terms.

A borrower usually has to pay back the debt during 15-30 days. If you fail to do it, you may lose your car.

Student Loans For Bad Credit

A student loan is a type of funding aimed at helping students to cover their educational expenses. Such loans may be taken from the federal government, their state government, or a private company. Among the distinct features of student loans are lower interest rate when compared with paydays, the ability to postpone the payment date, etc.

If you have a bad credit history, the only option for you is to apply for a loan online. Many lenders provide student loans with no credit check. Borrowers must repay the lump sum plus interest rate after graduation. Such lending options may also help you build your credit.

Student loan lenders set different repayment conditions. You may be asked to pay back 15% of your monthly income for no more than 25 years or pay a fixed amount monthly for up to 10 years. These are just two examples of the available options.

If you fail to repay the loan, you can go into default. That’s why it is essential to analyze your financial situation and capabilities objectively.

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no credit check loans guaranteed approval

Get Approved for Bad Credit Loans

Payday Say connects you to the most suitable service providers to meet your personal requirements and satisfy your immediate need for cash.

Do you want a guaranteed bad credit 2000 dollar loan? helps you apply online, 24/7, from the privacy of your home or office.

Your information is kept safe and secure. While some financial institutions require your funds be used for specific reasons, our direct lenders will work with you to find the best no credit check solution to get you back on your feet.

While most banks and credit unions require a good credit score for approval, online short-term loans with no credit check typically have more lenient requirements. But our company understands when you need cash, that last thing you need is long lines and denied loan applications.

So, if you need to borrow money for a short-term emergency, but your credit is poor or bad, you can count on us to deliver the goods.

Instant Decision from Direct Lenders

If you have fair or poor credit, you can get an instant decision and guaranteed personal cash loan approval online, 24/7. We only work with certified lenders that eliminate the hassle and paperwork that comes with borrowing.

Don’t get rejected for a short-term no credit check loan when you can get approved by one of PaydaySay’s direct lenders.

How Fast Can I Get a Bad Credit Loan
With No Credit Check?

People with bad credit scores can get online loans within 24 hours. The loan application process usually takes less than 5 minutes and depends on the chosen loan type, amount, repayment terms, and FICO score. Note that secured loans may require more time and effort.

If you have a bad credit history and need money instantly, you must go through several steps to get the funds. Firstly, you must look for lenders that offer loans without reporting to credit bureaus and a credit check.

After it, check whether you meet the company's eligibility requirements and prepare the documents. To qualify for online loans, borrowers must provide identity and income proofs. Some lenders have pre-qualification features that allow borrowers to evaluate their chances of getting fast loans. If you opt for it, you will go through a soft credit check. This procedure doesn’t include reporting to credit bureaus and won’t influence the credit score.

You must fill in the loan request form carefully and wait for the lender’s decision. Before signing a loan agreement, read the terms and conditions. Pay attention to the interest rate, origination fee, and penalty for late payments. It will help you find the most beneficial loan offer.

What to Consider Choosing Bad Credit Loans
with Guaranteed Approval

No credit check loans have some peculiarities when compared with traditional financing options. If you have a poor credit history and score, you must be very attentive when applying for funds. Online loans are harmless only if they are taken seriously.

Before you take a no credit check loan, make sure you have chosen a beneficial offer. Below you will find an inventory of the essential aspects borrowers must pay attention to when applying for loans with no credit check.


If you have good credit, you can qualify for different types of financial help and choose the rates you like. At the same time, no credit check loans with guaranteed approval usually come with higher fees. Poor credit score loans offered by online lenders vary in conditions due to the borrower’s credit report. The lower your credit score, the better rates you will get.

For a no credit check loan, a borrower may be charged an origination fee of up to 10% of the loan amount. Some lenders also require an administration fee early and late payment fees. For missed monthly payments, you will be required to pay up to 30% of the sum.


The annual percentage rate or APR is a total cost of a loan. APR rates include the amount of borrowed money, interest rate, and additional fees. It is calculated automatically after confirming the terms of the loan, and will be displayed in the loan agreement.

Since no credit check loans are available for people without harsh eligibility requirements, they can face high interest rates and APR. The chosen type of loan (for example, an installment loan will cost you less than paydays or cash advance loans) and repayment terms also influence an annual rate.

No credit check loans APR depends on the lender and varies from 6,5 to 35.99%. To analyze whether you will afford loan repayment in terms of APR and interest rates, use the pre-qualification feature to check your credit. Note that soft credit checks won’t influence your credit.

Loan Amount

No credit check loans are usually used to cover minor financial expenses. The loan amount depends on your credit score and the types of loans you prefer. Unsecured options like cash advances or installment loans allow smaller loans than secured solutions, including home improvements and car loans.

In most cases, lenders that don’t require a credit check provide loans between $1,000 and $50,000. To know the amount you can qualify for, use a soft credit check feature.

Terms of Repayment

Repayment terms of no credit check loans vary from one lending option to another. In most cases, such loans are considered a short-term financial solution. You can opt for a flexible loan term due to your financial capabilities. In most cases, borrowers must repay the loan between one and 60 months.

Missed payments may result in late penalties. That is why it is better to use an online calculator to define the most suitable terms for you.

Guaranteed Loans Online — 24/7

Payday Say connects borrowers to reliable online no credit check lenders for automatic loan approvals. That way people with bad credit get the funds they need online loans with guaranteed approval within one business day. Our qualified team of managers offers different loan offers tailored to your personal needs.

You can request an online loan for just two or three weeks. That gives you instant cash that you can pay off on your next payday. Even if you’re concerned someone will learn about your poor credit, our partners won’t conduct a hard credit check and report to one of three major credit bureaus. Consequently, it won’t impact your credit score. Also, they have clear eligibility requirements with no hidden fees. You know actually what you're getting with full transparency.

Fast and easy loan application process

Loan SitesComplete the online loan application. The online lending process is fast and easy and our secure web connection protects your sensitive personal information and identity. You can get details about it in our privacy policy.

Loan SitesGet lined up with a lender. After apply for a bad credit loan online, you will be matched to at least one lender who will work to approve your loan. In only a matter of minutes you’ll get the short-term financial help you need without a credit report.

Loan SitesChoose your interest rates, hidden fees, and terms. If you’re matched to more than one no credit check loan provider, you can choose which offer is the best no credit check solution for you, with the best rates and terms.

When you’re facing a financial hardship and need cash fast, bad credit installment loans can be appealing. But they don’t come without a few drawbacks.

No Credit Check Loans Guaranteed Approval

When you’re facing a financial hardship and need cash fast, loans with no credit check can be appealing. But they don’t come without a few drawbacks.

Poor credit loans pros:

  • Fast and easy application process. Most loan requests are available online, so applying and qualifying may only take a few minutes or a few hours. Not to mention that your money can be deposited in your bank account within one day.
  • You have options. With a no credit check loan, it pays to shop around to find a lender that will work with you. You might even find a lender that will offer you an affordable interest rate or better terms, or customer service.
  • A range of repayment periods. The repayment period depends a great deal on the lender you choose to work with. Payday loans may have a term of a few weeks or until your next payday, while others have terms that range from several months to five years.
  • Improve your credit score. If you have poor or bad credit, one way to improve your score (which will make it easier to eligibility requirements in the future) is to make all of your payments on time. The last thing you want is a cycle of bad debt.

After all, the Consumer Financial Protection Bureau estimates that almost 80% of American consumers roll over their unsecured payday loans.

Bad credit loans cons:

  • High interest rates. Lenders bear increased responsibility while issuing no credit check loans for people with poor credit histories. To offset that risk, they often charge very high-interest rates on these loans. APRs can range from 5.99% up to 199%.
  • Origination fees. Not all loans with no credit check have fees attached, but most do. It pays to read the small print on your loan approval. Some fees, like processing, origination, and late fees for non payments can really add up and increase the amount you have to pay back.
  • Unauthorized or fraudulent lenders. Not all lenders are licensed or certified in all states. That’s another reason why it’s so important to learn the state laws and shop around for a lender that can work with you in your location. The FDIC also recommends that you should check to be sure you’re not working with a fraudulent lender who is trying to mislead you into transferring money or disclosing your personal information.
  • Secured or unsecured by collateral. Some no credit check loans require collateral. That may mean you have to put up your home or car as a guarantee you’ll repay your debt. (If you apply for car title or home loans) Remember, if you miss payments or default on your loan, they can take your collateral or foreclose on your home.

If you have bad credit but need cash right away, we can help. We provide high-quality loan-connecting services to people across the U.S. We don’t issue poor credit payday loans or guarantee approval. That depends on the direct lender you choose. Stop by today and find the direct lender that can meet your immediate cash needs.

Frequently Asked Questions

What does guaranteed credit approval mean?

Guaranteed credit approval does not necessarily mean that a lender approves everyone or that a lender will automatically approve you for a loan. What it does mean is that some lenders are willing to work with you even if your credit score is between 300 and 650. That means if you have bad credit (or no credit), you likely won’t be turned away.

What does a guaranteed loan mean?

A guaranteed loan is paid by a third party if you default on the amount you borrowed. If you have bad credit but need a cash advance, this assures lenders that they won’t lose money if you can’t pay it back. A payday loan is guaranteed, as it is secured by your paycheck.

Is it possible to get a $5000 loan with bad credit?

Yes. It is possible, even if you have poor credit. But, more often than not you will be limited to installment loans for bad credit, which are typically paid back over three to 18 months. You can apply online and have your funds deposited in your bank as fast as the same day. But, you’ll likely pay high-interest rates.

Are there any guaranteed loans for bad credit?

Few things in life are guaranteed. Guaranteed loans are no different. Of course, there may be scammers who promise a guarantee or lenders who charge extremely high rates and fees for a lender’s services, but neither are trustworthy.

Banks and credit unions will consider your credit score and credit history when offering a loan, but online direct lenders also look at employment history, your monthly income, your payments history and the amount of debt you currently owe.

Kathryn Pomroy
Kathryn Pomroy

Kathryn Pomroy holds a BA in journalism. She has written for dozens of major publications and financial companies, including like Intuit/Quickbooks, Money Crashers, NextAdvisor/Time and FOX Business. Kathryn specializes in personal finance, loans, consumer banking, credit cards, and investments.