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Bad Credit Loans Guaranteed Approval

Emergencies can pop up when you least expect them. With many people struggling with poor credit and no savings, getting bad credit loans guaranteed approval is the best option.

Traditional banks, however, consider individuals with bad credit as high risk and cannot fund them for fear of delayed payments.

So what can individuals struggling with low credit scores do when they need short-term loans to tide them over emergencies? Well, there are guaranteed bad loan credit

that borrowers like you can take advantage of. With these, you will get approval regardless of your poor personal credit score and bad credit history.


What Are Bad Credit online Loans Guaranteed Approval?

The term bad credit online loans guaranteed approval suggests that if you apply for a loan you will be approved by default. Whilst you can get cash with bad credit is is not 100% guaranteed.

The basics to qualify are rudimentary:

  • You need a job paying more that $1240 a month
  • You need to be eighteen or over
  • You should have not defaulted on previous bad credit loans
  • It is better that you paid of previously loans swiftly
  • You accept the T&C from the lender

bad credit loan guaranteed approval

Why Use Bad Credit Loans Guaranteed Approval Direct Lenders?

A direct lender that guarantees loans will almost a 100% charge a lot of interest. The fact is that you need money and the lender has it. He needs to be compensated for his risk and you need to accept that before agreeing to the loan.

The advantage of using our application form is that bad credit direct lenders will be notified of your application through our software immediately. The fact that many lenders are looking at your application gives you a better chance of obtaining a loan.

Bad Credit online Loans Guaranteed Approval NO CREDIT CHECK?

The reality of the bad credit loan industry is that soft credit checks are performed. This is a basic background check. A hard credit check is done by major lending institutions. You can read about FICO scores and no credit checks below


what is a credit score and why does it matter for Loan Approval?

A good personal credit score has a very positive impact on loan or moneylenders whether online or on-site. The bottom line is that for you to get loans with better rates (annual percentage rates and interest rates), your credit score has to be above average.

On the contrary, a bad personal credit score brings a negative impact on lenders. It also has something to do with your dignity and personality. A poor credit score shows that people cannot trust you financially because you cannot pay your debt, bills, and loans on time or worse, they see you as a person who has no plans to repay and escape your financial problems.

As a matter of fact, the latest walletHub data estimates that the average credit score for some U.S citizens is 669, which is considered a good score by many lenders.

List of Credit scores according to FICO ratings and learn what they mean:

A personal credit score is also called as a FICO score (which stands for Fair Isaac Corporation). With that being said, below is an explanation of where your score stands so that you can easily determine if you have a good or bad one to moneylenders:

300 – 550

if your personal credit score falls in this range, you are a high-risk borrower. In most cases, lenders will reject your loan request applications. It’s important that you work and improve your score before applying. In this category, borrowers are 75% likely to be delinquent.

Just put it this way, people will simply do not trust anyone with a bad reputation and having a bad loans credit score means you cannot be trusted in terms of money and other financial matters.

550 – 620 

This is considered fair but getting a loan approval is not guaranteed since this is still considered as a poor personal credit score.

If you, however, get your loan request approved, it will be under very disadvantaged terms such as high annual percentage rates, interest rates, short repayment period, intense credit check, and strict requirements or qualifications. Thus, borrowers with this personal credit score in most cases are likely to get a loan.

620 – 680 

A personal credit score within this range is acceptable to many lenders.

Borrowers in this category are less risky and even though they may not get the best rates, their loan requests are likely to be approved as this is considered as average. The default rate among these borrowers is between 15%-30%.

680 – 740

A personal credit score above 700 is considered as a good one.

Borrowers within this range will always get credited with good rates and reasonable repayment period. Lenders are sure that the borrower will not be late on payments or default, and therefore, consider them less risky. Lenders can, however, expect a default rate of 5%.

740 – 850

Borrowers who have reached this range are considered as an excellent personal credit score.

With that being said, borrowers with such scores have never been declared bankrupt or never had a delayed payment on any loan and bill in 60+ days. They are also granted for more than $10,000.00 available in credit and have had a loan/credit card experience of more than 5 years.

Getting funding with these scores is very easy and lenders are absolutely relaxed when dealing with such borrowers.


From the above analysis, it’s evident that with a good and excellent credit score, getting loan approval is much easier. You are also likely to get better interest rates and more financial offers and deals that’ll make your loan more affordable.


Ways to Improve Low Credit or Bad Credit Score:

Now that you know where your personal credit score stands, here are simple ways on how you can improve if you have a bad or poor standing:

  • Always pay your bills and loans on time.
  • Update your credit reports and ensure it’s free of errors and any outdated information.
  • Keep old accounts open.
  • Maintain a low balance
  • Avoid opening new accounts (such as bank accounts and credit cards).

It is just simple, right? To sum this up, all you have to do is to discipline yourself financially so that when the maturity date or due date nearly approaches, you have enough money to repay it.


Can borrowers with a bad credit Score get Approval?

guaranteed approval bad credit loansThe truth is many lenders, especially the traditional ones who perform credit checks before approval may not lend out to bad credit borrowers because of the risk involved.

Such risks include the borrower not paying on time or delayed payment. To make matters worse, some borrowers just wanted to get a loan but have no plans or have no intentions to repay it. These borrowers escape and hide from their financial problems.

What these people do not know is that hiding from your lenders can lead to legal measures. Unfortunately, your lender or the lending company can simply sue you or file a case against you. In case you did not know, not paying your debts and loans can send you to jail.

To make things worse, the amount of debt will determine if your case will be bailable or not. A non-bailable case means that you (or any other concerned people such as your family, relatives, and friends) cannot bail yourself out. The people involved in non-bailable or no bail cases are the persons deprive of liberty (PDL), where you will serve your sentence no matter how long inside the jail premises.

On the other hand, a bailable case means that you (or any person, in particular, either related by blood or not) can simply pay for your liberty. Thus, you can wait for the next court hearing freely.

There are, however, lenders offering bad credit loans online with guaranteed approval to borrowers at a high-interest rate that is why it is important to maintain a good personal credit score at all times.


Loans with High-Interest Rates

The high-interest rate is usually to cover the risk involved in case the borrower defaults. So with good credit or bad credit, borrowers can still get fast loans online to help them during emergencies.


MoneyLenders Performing Credit Checks

Lenders may perform soft credit checks, but will not use your credit history to gauge your eligibility for a loan. Usually, they will approve your loan request without putting a lot of emphasis on your personal credit score, hence the name guaranteed loans bad credit.


What to do?

Although some loans are expensive, these loans can offer a quick fix during an unexpected financial crisis. Using them as a long-term solution could, however, plunge you into a debt trap that may be difficult to get out. Thus, all you have to do is make sure that you have enough money to repay the loan.

You should repay your Loans in a Timely Manner

Even though it is easy it is to get an emergency loan, you must make sure that you have the capacity to repay it. It’s crucial that before applying for a loan, you are sure that you can repay it on or before the maturity date or due date. This is to prevent any bigger financial problems as mentioned.

Choose Loans with Low Rates

Payday loans usually have ridiculously high annual percentage rates (APRs) and interest rates that make it difficult for an average borrower to pay off within the short repayment period.

You could also opt for cheaper funding options online such as installment loans. These types of loans have flexible repayment schedules, we also provide such loans here at Bridge Payday.


How We can Help YOu?

guaranteed loans

We understand that you may need emergency cash at some point in your life. We are here to help you get quick and affordable funding that you can get. All without the hassle of submitting piles and piles of complicated requirements. As well as the need to wait for how many days just to get an approval and receive the funds.

Simply fill up our loan request application form and we will connect you to a network of trusted lenders. Our network of lenders will review your loan request and we highly guarantee you that your loan will get approval. With us, we guarantee that you will get a loan even with a bad score and poor record.

Upon approval, the lender will disburse the funds directly to your bank account on the same business day. Our terms and conditions are also flexible and tailored to fit your lifestyle and financial needs.

So what are you waiting for? Apply now and get approval as soon as today!