Guaranteed Loans for Bad Credit

An emergency situation can pop up when you least expect them. With many people struggling with poor credit and no savings, getting bad credit personal loans approval is one of the best options to meet their financing needs. 

Traditional banks, however, consider individuals with bad credit as high risk and do not really have options to fund or offer them a loan for fear of delayed payments for instant installment loans.

So what can individuals struggling with low credit card scores do when they need short term (and fast) loans to tide them over emergencies? Well, there are guaranteed bad loan credit services that customer like you takes advantage of. With these, you will get approval regardless of your loans personal poor credit, reviews, and bad credit bureaus history.

What Are Bad Credit online Loans Guaranteed Approval?

The term bad credit online installment loans guaranteed approval suggests that if you apply for a loan (in minutes) you will be approved instantly by default. Whilst you can get an offer for cash with bad credit, it is not 100% guaranteed.

The basics to qualify are rudimentary. The applicant will require the following:

  • 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 with no credit check (hard check) will almost a 100% charge a lot of interest. The fact is that you need money (due to your situation) and the loan lenders have 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 online service and electronic application form is that bad credit direct lenders will be notified of your application through our software immediately. The fact that many direct loan lenders are looking at your application gives you a better chance of obtaining a loan you can afford. This is the answer to your finance problem – to have fast loans with little extra fees and private access to services.

Bad Credit online Loans Guaranteed Approval NO CREDIT CHECK?

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

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

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

On the contrary, a bad personal credit service brings a negative impact on cash loan lenders. It also has something to do with your dignity and personality. A poor credit check loans 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 check loans score for some U.S citizens is 669, which is considered a good score by many business loans lender.

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

A personal 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 bad credit personal loans score falls in this range, you are a high-risk borrower. In most cases, lenders will reject your online loan request applications. It’s important that you work and improve your score before applying. In this category, customers 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 credit personal loans 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 bad credit personal loans score.

If you, however, get your loans request approved, it will be under very disadvantaged terms and factors such as high apr, interest charge, short monthly repayment period, intense credit check, and strict requirements or qualifications. Thus, customers with this personal credit form in most cases are likely to get a loan in an hour.

620 – 680 

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

People who borrow in this category are less risky and even though they may not get the best terms, their loans requests are likely to be approved as this is considered as average. The default rate among these applicants is between 15%-30%.

680 – 740

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

Those who borrow within this range will always get credited with good offer and reasonable monthly repayment period. Lenders are sure that the consumer 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, applicants with such scores have never declared bankruptcy or never had a delayed payment on any unsecured loans 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 types of terms is very easy and lenders are absolutely relaxed when dealing with such applicants.


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 offer for months and more financial security and deals that’ll make your unsecured loans more affordable.

Ways to Improve Low Credit or Bad Credit Score:

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

  • Always pay your bills and short term 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 account 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 borrower 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 people because of the bankruptcy risk involved.

Such risks include the consumer not paying on time or delayed payment. To make matters worse, some people just wanted to get some type of short term unsecured loans but have no plans or have no intentions to repay it. These people 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 installment loan direct lender or the lending company can simply sue you or file a case against you. In case you did not know, not paying your debt consolidation and cash advance 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 type of 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 guaranteed loans for bad credit to customer at a high-interest rate that is why it is important to maintain a good personal credit card 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 short term loans online to help them during emergencies.

MoneyLenders Performing Credit Checks

Lenders may perform a soft credit check, but will not use your credit history to gauge your eligibility for a loan. Usually, they will approve your short term loan request without putting a lot of emphasis on your personal credit card score, hence the name guaranteed (and fast) loans bad credit. Your dollar income should center on good services and reviews before you sign your application.

What to do?

Although some loans are expensive, these quick loans are very helpful during an unexpected financial crisis. Using them as a long-term solution (e.g. a few months) could, however, plunge you into a debt trap that may be difficult to get out. It require responsible review and process to provide companies a chance to build the best answer to hard financial problems with no collateral. Thus, all you have to do is make sure that you have enough money and dollar income to repay the loan.

You should repay your Loans in a Timely Manner

Even though it is easy to get an emergency loan or cash advance, you must make sure that you have the capacity to repay it. It’s crucial that before you apply for payday loans, 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 (apr) and interest amounts that make it difficult for an average income consumer to pay off within the short monthly repayment period.

You could also opt for cheaper funding options online such as installment loans and cash advance and have the ability to access careful decisions towards financing. These types of loans have flexible repayment schedules, we also provide such payday loans here at Bridge Payday.

How We can Help You?

guaranteed loans

We understand that you may need emergency cash loans at some point in your life. We are here to help you get fast and affordable financing 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 finance.

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

Upon decision approval of day loans, the direct lender will disburse the funds directly to your bank account on the same business day. Our terms and conditions are also flexible and tailored guide to meet your lifestyle and financial needs. Our fees are also clear and transparent.

So what are you waiting for? Apply for unsecured personal loans in minutes now and get easy approval as soon as today! Send email to us now. For more questions, read our faqs and guide about payments providers and how to qualify for student loans.

Bridge Payday