Guaranteed Personal Loans

There’s still hope if you need guaranteed personal loans and have a bad credit history. While it’s not 100 percent guaranteed that you will get a loan, there are factors that can facilitate you to get one despite your credit score. In the United States, over half of the population struggles to pay off their debt. Moreover, according to, two-thirds of Americans have a credit score under 600. So, remember that you’re not the only person struggling with financial problems due to bad credit. Lenders consider a credit score below 600 as “subprime borrowers,” meaning you are less likely to receive loans or other types of credit.

However, not all is lost because you have the option of applying for bad credit personal cash loans to improve your financial situation. In this guide, we will provide a list of the top loaners you can apply for guaranteed bad credit personal loan and their eligibility requirements.

guaranteed personal loans
Guaranteed Personal Loans

Guaranteed Bad Credit Personal Loan

Owning a bad credit score is a roadblock to your financial success. But, you can overcome it by taking the right steps. You can apply for personal loans guaranteed instant approval where it’s possible to get a payday loan with bad credit. Approval is granted instantly should your application be accepted. This means that you receive an immediate decision on whether or not your application has been approved. 

In case of approval, you will receive an offer and abide by the stipulations, which typically include paying your fees on time within a certain period.

The type of loan you choose to apply to determines the approval rate and the amount you are granted. There are different types of personal loans for which you may qualify. These loans also provide instant feedback. So, what are they?

Types of Personal Loans with Instant Decision

Below is a list of personal loans that provide instant decision upon submitting the application:

Payday loans

Is a short-term personal loan where it typically amounts to $1500. A  bad credit payday loan is where lenders evaluate your application and review your credit score and ability to repay the loan, including the annual percentage rate (APR). It’s commonly not recommended to use high interest short-term loans for a long period of time. 

Installment loans

It is a long-term personal loan where the loan typically amounts to $10,000. Installment loans are also provided to people with low credit scores and they are repaid in monthly installments. These loans also have a lower APR compared to payday loans

Title loans

It is an online secured personal loan where the loan typically amounts to $25,000. You need to have a car title to use as collateral in order to attain the loan. With title loans, the lenders don’t take into account the borrower’s poor credit history compared to unsecured loans—which the previous two loans fall under. 

When it comes to secured versus unsecured loans, the main difference between the two is that a secured loan is where you have to use an asset as collateral. The lender has the right to seize the asset you use as collateral should you fail to repay the loan. An unsecured loan is when the lender doesn’t demand an asset as collateral but charges high interest instead to offset the risk they are taking by lending you the money.

You may think of these personal loans as guaranteed approval personal loan, but remember that there is always risk involved in taking any loan, especially if you have bad credit and low income. The reason being is that you still have to meet some eligibility requirements to qualify. In addition to the loan you want to apply for, you need to repay the loan plus any fees the lender stipulates in the agreement. So, you may find yourself in deeper debt or even bankrupt. Therefore, before deciding to apply for a loan, factor in the fees and calculate if you can afford to get into any more debt. 

Top Bad Credit Loans With Guaranteed Approval

After considering the risks and ensuring you have the means to repay the loan, it’s time to find out the top bad credit loaners. Here’s our pick of the top three lenders:


Is an online platform that provides the top lenders according to your bad credit loan application. They match your application with the top lenders suitable for you. It is a great option for borrowers with bad credit who need instant loans. You can apply for the loans online and only need to submit basic personal information and documents. Once you accept the conditions of the lender with which you matched, you can attain the loan within 24 hours.

MoneyMutual’s APRs don’t come at a fixed rate because they depend on various factors, such as your credit score, financial situation, and any other factors they consider. Typically, MoneyMutual provides a range of APRs, which is from 5.99% to 24.99%, on which you can negotiate.

The eligibility requirements for MoneyMutual are the following:

  • Be 18 years of age or older
  • Be a permanent citizen of the U.S
  • Have access to your checking account
  • Provide proof of monthly income, if necessary

With MoneyMutual you may receive a bad credit personal loan from $200 to $5,000. The main downside with MoneyMutual is that their services aren’t available in Connecticut or New York.

Bad Credit Loans

Is an online platform where you can apply for a bad credit loan of up to $10,000 within 24 hours. Bad Credit Loans provides borrowers with access to some of the most reliable lenders. It has flexible terms as well as flexible repayment schedules, which span over three years. 

The platform provides a range of APRs, which is from 5.99% to 35.99%. Like MoneyMutual, the APRs don’t come at a fixed rate, but you can always negotiate with them.

A great feature of Bad Credit Loan is that they provide educational material for its borrowers. Basically, they inform the borrowers about everything they need to know about selecting the best offer from a lender, including scam alerts. Meaning, they notify borrowers whether a specific lender’s offer is a scam or not.

The eligibility requirements for Best Credit Loans are the following:

  • Be 18 years of age or older
  • Be a citizen of the U.S
  • Have a valid checking account and provide bank details
  • Provide proof of monthly income


Is an online platform where you can obtain quick bad credit loans within a day. They provide a network of trusted and credible lenders that offer flexible and affordable conditions. Its range of APRs is between 5.99% to 35.99%, but, PersonalLoans offers a flexible repayment schedule of up to 6 years, giving you ample time to cover the fees and repay the loan.

With PersonalLoans, you can apply for a loan from as low as $1,000 up to $35,000.

The eligibility requirements for Best Credit Loans are the following:

  • Be 18 years of age or older
  • Be a citizen of the U.S
  • Have a checking account
  • Provide bank details
  • Provide proof of monthly income

guaranteed bad personal loan
Guaranteed Bad Personal Loan: Improving Chances

Personal Loans Bad Credit Guaranteed Approval 

Your bad credit doesn’t determine your future. You can get a chance to improve your credit score as well as your financial standing. You can also read about the best credit cards in the US to help yourself out.

Always consider the risks involved before getting into debt. Review the listed bad credit lenders and choose the one that fits your needs.


[1] Best Credit Loans with Guaranteed Approval. “Guaranteed Approval Bad Credit Loans.” 24CashToday.

[2] Unsecured Personal Loans. “Truist personal loans and lines of credit.” Truist. 

[3] Best Bad Credit Personal Loans. “Best Bad Credit Personal Loans Guaranteed Approval. Get Loans with No Credit Check Instantly.” wxyz.

[4] Best No Credit Loans. “Best No Credit Check Loans Guaranteed Approval From Direct Lenders Of 2022. KSHB, 2022.[5] Best Bad Credit Loans. “Best Bad Credit Loans Guaranteed Approval: No Credit Check Loans| Payday Lenders.” WPTV.