Top 3 Bad Credit Loans Guaranteed Approval. Best Deals for No Credit Check Loans Online

1:43 PM, Nov 04, 2022
1:43 PM, Nov 04, 2022
43% of millennials have bad credit

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Top 3 Bad Credit Loans Guaranteed Approval. Best Deals for No Credit Check Loans Online

Thousands of Americans now experience difficulties when it comes to getting a personal loan. Unfortunately, your bad credit history may lead to various financial problems. But even if you have a poor credit score, you can find an online direct lender that trusts you.

However, people with bad credit scores have more limits compared to borrowers with good credit. For example, they usually can't seek help from traditional financial institutions. But there is still some options for those who are looking for a trusted bad credit lender near me! We've done a small research and found out there are still bad credit loans guaranteed approval for people with credit difficulties. Here is our editors' pick for the best online companies that provide loans with no credit check and guaranteed approval!

Top 3 Companies With The Best Bad Credit Loans Guaranteed Approval

  1. 1F Cash Advance – Best bad credit personal loans guaranteed approval.
  2. 15M Finance – Get no credit check loans guaranteed approval instantly.
  3. ASAP Finance – Best online loans for bad credit with fast funding.

#1. 1F Cash Advance – Best Bad Credit Personal Loans Guaranteed Approval

1F Cash Advance is a loan marketplace that works with multiple online direct lenders at once to increase your chance of finding the best possible deal in your current situation. The platform gains popularity and trust by providing competitive loan options with no hard credit checks and almost immediate money deposits. Even borrowers with poor credit scores mention they manage to get bad credit personal loans here without bother and stress. The company operates online, so you don't even need to waste time visiting the store in person. Instead, you can use their user-friendly website to complete a small form and get a loan approval decision in minutes. If approved, loan proceeds will reach your bank account within one working day.

“Although we can't guarantee that every client will receive a loan, we do our best to keep our approval rate as close to 100 as possible. You don't need to break through financial problems alone. We will always be there, no matter what your credit history is.” – Latoria Williams, CEO of 1F Cash Advance.


Online application procedure

You can access emergency loans online after spending several minutes filling out a loan request form. There is no faxing or visiting a store required.

Easy-to-meet eligibility requirements

Even if you have a bad credit history or income fluctuations, the company can offer several options that will work for you. You don't need to provide it with a full set of documents or improve your credit score to apply.

Informative blog

Even if you're not looking for a bad credit loan now, visit the company's website and make the most of your time by reading its useful financial blog. There you can find the latest industry news as well as wise and practical guides on financial management and literacy.


  • Easy to apply;
  • No strict minimum credit score requirements;
  • Modern security systems to keep your data safe;
  • Fits for bad credit customers;
  • Approval decision in just a few hours;
  • Next-day money finding.


  • No 100% guarantee you will get a loan;
  • An annual percentage rate may be high.

#2. 15M Finance – Get No Credit Check Loans Guaranteed Approval Instantly

15M Finance is another hidden gem among all the bad credit loan companies. This platform offers unsecured loans from bad credit direct lenders with both one lump sum repayment and a convenient redemption in affordable monthly payments. You can receive a bad credit personal loan online in a few straightforward steps. The company is not focused on your credit score but requires income verification. However, it has a high approval rate, even for customers with low credit scores.

“We know how tough it can be to get a loan with bad credit. While people with no credit difficulties have multiple options to choose from, our mission is to lend a helping hand to those who need it most. And loans for bad credit are almost ideal for this purpose.” – Shania Brenson, co-founder of 15M Finance.


Poor credit loans with no collateral

15M Finance offers unsecured loans only, so doing business with it doesn't come with any risk for you.

Next-day funding

The platform provides bad credit payday loans with guaranteed approval within 24 hours. In most cases, you will access cash in your bank account as soon as the next working day.

Free-of-charge service with no origination fees

The company works for free for its clients and doesn't charge any additional costs from them. You can apply even several times without paying any fees.


  • Service that works 24/7;
  • Simple eligibility criteria;
  • Partner lenders don't perform hard credit checks;
  • Your bad credit score is not a barrier;
  • Fast response and money transfer.


  • Bad credit loan interest rates may be costly;
  • The company has minimum revenue requirements.

#3. ASAP Finance – Best Online Loans for Bad Credit With Fast Funding

Whether you're looking for a bad credit payday loan or an installment loan for a poor credit rating, ASAP Finance can probably meet your needs. The service provides a full range of loan services from trusted payday lenders across the country. To access the offers, visit its convenient website and spend a few minutes entering your personal data in a loan submission form. Once complete, you will get a response from a lender shortly after it reviews your application details. The best thing about the company that consumers typically mention is the speed of the funding process. You can get the loan money within 24 hours, sometimes on the same day of applying.

“Bad credit loans usually don't take into consideration a borrower's financial history, so it can be a great way to cover financial emergencies for people with credit issues. We mostly put our stakes on the speed and accessibility, but also don't forget about the quality of the products we offer.” – Gregory Allen, principal CEO of ASAP Finance.


High ratings on popular review platforms

Customers trust the company to solve their financial problems and tend to rate their lending experience positively. They are more likely to note a high level of customer service, quickness of money transfers, and a high acceptance rate for bad credit loans.

Full range of lending options

Here you can find both short-term and long-term financial solutions. Whether you need a trifling amount of up to $500 or are looking for a $5,000 loan, the company can offer you a cash advance if you meet its simple qualifications.

Fast loan verification and money deposit

As online lenders don't make hard credit checks, loan processing typically takes less than one hour. Once a lender realizes you're a reliable borrower, it will transfer cash within one business day.


  • Suits borrowers with poor credit histories;
  • No-check-credit loan options are available;
  • Fast application process that takes place online;
  • Money funding in one working day;
  • Access to multiple offers from licensed lenders only.


  • Having a stable income is mandatory;
  • High interest rates may be offered for certain payday loans.

How Did We Select The Companies for Bad Credit Loans With Guaranteed Approval?

Picking up a lender always starts with analyses. We've made a comparison of several dozens of lenders and chosen the most competitive ones taking into consideration the following criteria.

Interest rates

Although guaranteed loans for bad credit don't boast the most favorable annual percentage rate on the market, you can still find an offer at a reasonable interest rate. The platforms we've mentioned provide competitive options without putting a dent in your wallet.

Loan stipulations

As bad credit personal loans guaranteed approval go hand in hand with accessibility, we've picked the companies with the simplest eligibility requirements. Thus, people who want to obtain loans with bad credit won't feel like there is no hope for them.

The quickness of direct deposits

Bad credit loans are types of emergency cash advances, so people who turn to them typically need to get cash fast. The services from our list provide rapid financial assistance in one business day or less.

Application procedure

The ease of the submission process means that you can access the money in a few steps and don't have to waste much time and effort to complete it. Therefore, we've chosen companies with straightforward application procedures that an average user can complete without a hassle.

Charges and fees

You should avoid the services that set additional fees you need to pay to apply, as you can end up with nothing and lose your money. The companies we've selected don't charge any additional costs from their consumers.

Customer trust and experience

Borrowers positively estimate their experiences of working with the platforms above. They note that the products correspond to the data on the websites, lenders always give full information about the loan options they offer, and money comes to bank accounts quickly.

What Are Bad Credit Loans Guaranteed Approval?

Bad credit loans guaranteed approval represent financial products that have a high acceptance rate for consumers with bad credit scores. Although direct lenders can't promise they will approve you in advance, they still give hope to people who can't count on obtaining a traditional bank loan. Moreover, they allow borrowers to get the funds within 24 hours. Some lenders can facilitate bad credit loans by the end of the same day, so it may be an option for people without credit issues who get into financial emergencies.

Instant loans online guaranteed approval provide loan amounts between $200 and $5,000, depending on the type of borrowing you pick. In this way, you can not only cover your small unexpected expenses but also use them as a long-term financial solution. But be careful and make calculations first. Any bad credit loan usually comes with a high interest rate.

Types of Guaranteed No Credit Check Loans Online

Despite the fact that no credit check cash advances are a fairly large group of personal loans, there are usually three main types to consider.

Payday Loans Online

Payday loans are one of the easiest to get short-term cash advances. A payday loan can provide you with amounts between $200 and $1,000 and force you to repay it in one large payment by your next paycheck. Payday loan providers have no strict minimum credit score or income requirements but offset the risk with high interest rates. You will be asked to pay an additional $15 to $30 for each $100 you've borrowed.

Installment Loans

Personal installment loans work almost like loans from traditional financial institutions, except that they are available for bad credit score borrowers. You can access even $2,000 or $5,000 if your revenue is high enough for such amounts. Unlike payday loans, you can make payments month by month along with the loan installments. Commonly, installment loan repayment terms are up to 24 months. An installment loan is a less stressful option compared to payday loans, but it can cost you more due to longer loan terms.

Bad Credit Personal Loans

Bad credit personal loans are cash advances that provide loan amounts over $5,000 for up to 60 months. You will be asked to turn the funds back in equal monthly payments within the loan lifetime. However, to get one, you need to show a steady income that needs to be high enough too.

Alternatives to Guaranteed Approval Loans

Sometimes a bad credit loan may not be the best solution for you due to its cost or repayment schedule. Some people consider them only as a last resort. If you have some doubts, check out the following alternatives available with bad credit.

P2P Lending

Instead of getting a payday loan, ask your family members or friends to lend you the amount you need. It can be a fast and easy way to get cash with no or a low interest rate. However, you need to remember that you will probably need to explain how you're going to spend the money. It may also affect your relationship in case of payment delays.

Bad Credit Cash Advance App

If you want to stay away from payday loans but still need a short-term financial solution, consider an app that gives your cash advance loans by your next salary. It has a working mechanism similar to a payday loan but usually offers more reasonable interest rates. Thus, a cash advance app may be a great way to get a bad credit loan with lower fees. However, the amount you can get will be limited to a percentage of your next wage. Although it makes payday loans easier to repay, it may also not suit your current needs.

Joint Personal Loans

If you have a bad credit score but need to get a personal loan, consider loan providers that accept co-borrowers. If one of your family members or friends has good credit, ask them to cooperate with you in order to get a deal with favorable conditions.

Secured Loans

Obtaining a secured loan may be a reasonable option for people who own some valuable property. Even if you have a bad credit score, a lender will trust you. This happens because you provide it with a pledge it can repossess if you won't make your monthly payments on time. The most common types of secured personal loans are auto title loans, home equity loans, and share-savings loans. However, a lender will typically check your credit report details through major credit bureaus. Although your credit score is not a determining factor for a secured loan, such a credit check can affect your credit history.

Pawn Shops

Pawning your belongings may be another way to get money fast. Pawn shops can provide you with money by using your items as collateral. The amount you can get depends on the value of the item you pawn. These same-day loans are secured, so they come with the risk of losing your item if you won't repay the money plus interest on time.

How to Compare Bad Credit Loans Online?

Before you make your lending decision, start with your own small research taking into account the factors that are crucial for you. Are you looking for a lender that offers installment loans for bad credit, or are you trying to find one that specializes in secured loans? List all the criteria that are important for you and shop around to find a loan provider that meets your expectations or is the closest to them. Also, keep in mind such important factors as interest rates, charges, fees, and eligibility requirements. Feel free to ask lender questions, and don't accept the first offer you get, even if time is not on your side.

Who Can Get Bad Credit Loans?

Lenders that offer bad credit loans strive to simplify eligibility criteria and reduce them to a basic minimum to make their products more accessible. Therefore, to get guaranteed same-day loans, you commonly need to be an adult US resident, have a valid ID and bank account, prove you have a steady source of monthly income, and provide a lender with your personal details by entering them in a loan application form. But keep in mind that an online lender can still reject your loan request for various reasons. However, bad credit loans are basically easy to get for almost any adult American.

How to Access an Emergency Loan Bad Credit Guaranteed Approval?

First, you need to decide on a lender to work with, relying on the factors that play an important role for you. When the choice is made, visit the lender's website and fill out a loan request form. Once complete, you will get a response from a lender shortly after submitting a form. If approved, read and sign your loan contract digitally to get the funds. After signing a bad credit loan agreement, a lender will make a direct deposit to your checking account within one working day.


Where Can I Get Guaranteed Loans for Bad Credit from Mentioned Companies?

The companies from the list above are partners with lenders throughout the United States. You can complete your application procedure digitally and receive the money in your bank account without leaving your place. Wherever you are, you're welcome to get fast financial support.

What Maximum Personal Loan Amount  Can I Get With Loans With No Credit Check?

The specific amount you can get depends on your income, debt-to-income ratio, and credit score. Generally, you can receive up to $5,000 without a hard check through the main credit reporting bureaus.

Am I Guaranteed Bad Credit Loans from Direct Lenders?

Unfortunately, no lender can promise you anything in advance. Even if you apply for payday loans which are one of the easiest to get, submitting a form doesn't guarantee you will get the funds. A lender needs to check your income and creditworthiness before approving your payday loan request.

Do Bad Credit Loans Guaranteed Approval Affect My Credit Score?

It depends on the type of loan you choose. In most cases, online lenders don't perform hard credit inquiries, so obtaining such a loan doesn't hurt your credit score.

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