sarah morih connor
Sarah Morih Connor
Senior Personal Finance Writer at | Website

Sarah Morih Connor is a personal finance writer as well as a PaydayLoanHelpers expert in money issues. She is certified as a financial planner, and a an ex-financial consultant and senior expert in investments of Wall Street firms. Sarah has advised businesses, families as well as trusts, nonprofits and other trusts as well as established group retirement plans for employees throughout the Midwest. Sarah is now working to make financial concepts understandable and clear.

Bad Credit Loans Guaranteed Approval Online & No Credit Checks?

There can be certain emergency situations in life where you might have to struggle to keep funds on your monthly finance and income.You should not worry about your financial struggle as you are not the only one who is in need.

Payday Loan Helpers can assist you with short term loans even if you have bad credit.

It is the one of quickest financial solutions for people who need personal loans for bad credit.

Guaranteed Approval from direct lenders?

You can get a loan from direct lenders. Our software will submit your loan request to DIRECT LENDERS who specialize in short term loans for bad credit.

These lenders give you a better chance of receiving a cash as no hard credit checks are performed on your credit score. This means that the main credit bureaus may not be used in the loan request process.

No denial payday loans are not possible but by applying with Payday Loan Helpers you stand a better chance of getting a loan without too much verification.

Instant Guaranteed Loans With No credit checks?

Most direct payday lenders have no credit checks in a traditional sense. Due to this fact it means that you stand a better chance of receiving a loan.

That said it is important to note that such loans can never be guaranteed!  The lenders cannot lend to everyone who applies and any website that states such information is very economical with the truth.

If you have a great credit score the loan can be guaranteed almost by default. It is when you have less credit or funds you will need a loan and that is when you get no guarantees.

No Credit check loans have been thriving quite a while now.  The online internet accessibility means you can instantly apply for the cash loan and get financing fast.

Are Unsecured loans easier to get?

With this type of loan, the lender uses the amount on the pay stub to determine how much they think the borrower can be lent and repay. The amounts are small and the payback period is short.

Typically, you will have to pay the amount borrowed when you receive your next salary, which is approximately two weeks to a month after receiving the unsecured loan.

The amount you can borrow depends on you local lending legislation. To be approved, you must show that you meet the minimum wage regulations which is usually around $1000 a month. You can be declined if you are making an inadequate amount or have recently had a bad mark on your credit score.

Unsecured loans can be an issue if misused but real help if you stick to your payment plan. If you cannot or do not repay the loan on time, you may have to convert the loan to a new loan, which increases the cost of the loan and is often the case.

According to the Consumer Financial Protection Bureau, 85% of borrowers end up extending their loans. With each reinvestment, costs increase, making it much more difficult to pay off the debt.

Secured car title loans

Secured loans are better for the lender, for example, by car ownership. For this reason, they are also called title loans as the debt is based on your ownership of the car title.

Like payday advances, title loans are short-term loans. They are designed to help you get money quickly and do not require a credit check, but they are different from payday loans.

Instead of paying as with a personal loan, you must surrender the title of your car. The title lender allows you to borrow an amount based on the equity in your vehicle.

The lender will keep your title until you pay off the loan. You typically have a month but some lenders can give you several months to pay the full amount as long as you continue to make regular payments.

The great danger with this type of secured loan is that if you don’t pay off your debt, you could lose your car. About 30% of people who get a this type loan will eventually get their car back.

Are installment loans a guaranteed option?

Installment loans are also applicable for people with bad credit. They tend to be in amounts up to $5000 and are useful for larger purchases. They similarly are done with no hard credit checks.

Are payday loans a good option for bad credit?

Payday loans are small cash advance loans (starting from $500 to $1000 at max) given for people who can repay the cash loan next payday. Here is a state by state table of limits.

This is how Essentially direct lenders are helping individual people with different careers to receive money as they need it rather than struggling for it.

Can I get up to $10,000 with bad credit?

Yes you can get $10000 with an installment loan. This is with monthly payments. If you need $1000 or under you should apply for a payday loan as long as it is for a short duration.

What Are Other Types of Online Bad Credit Loans?

Installment Loans paid back monthly

Bad Credit when your credit score is poor

No credit check loans

Payday Loan Consolidation

Other names are such as payday advance, cash advance loans, short term loans or simply bad credit loans.

What interest rates are typical for bad credit loans?

A typical feature of bad credit loans is high-interest rates. You can pay as low as 50% or as high as 650%.

You may think that it cost a lot of money for repayment but when you are in need it may cost you an extra $50 to pay the debt off by month-end.

This could save your job by fixing your car for example and literally keep you from the street.

 Bad Credit Loans With Your FICO Score?

FICO Credit Score Your Loan Chance
720-860 Very Good
680-725 Good
620-670 Reasonable
550-620 Poor
300-550 Bad Credit

As you can see in the table above, FICO scores below 620 are considered as bad. This is the level a which a bank would probably decline a cash loan request.

What Does Bad Credit Mean?

According to credit score companies bad credit scores are broken down and defined like this:

  • History of repayment: 30%
  • Outstanding amounts owed: 30%
  • Years of credit history: 20%
  • Credit mix: 10%
  • New online loans cash taken on: 10%

How so I apply for a loan?

  1. You have to fill a simple application form at Payday Loan Helpers that requires basic information about you, your job details.
  2. Submit the loan request
  3. Wait for approval and funding
  4. Receive a cash deposit into your bank account

How does the lender process my loan?

As soon as the lenders receive your application they will check your application details and if it fulfills the following criteria:

  • You should be an American with U.S. citizenship
  • You should be above 18 years,
  • Be employed
  • Hold a current checking account or direct deposit bank account

Here are some ideas for what to look out and get a loan safely

Signing your application forms

Once you have fulfilled the application conditions, the lender will offer a soft copy of the loan paperwork. The customer will need to check it thoroughly and provide your signature.

This will include the disclosure information about your application loan amount. It will be based on payday loans online decision that you applied for.

Alternative financing offers may also be given to the customer before signing for the loan. The structure of the loan amount, fees and repayment will also be included.

Can I get a loan the same day?

As the signed paperwork is returned to the lenders you may receive the payday loan amounts credited in your account the same day or next business day.

You can check your checking account to be sure.

Can I get a guaranteed loan from a store?

One of the most interesting factors of using an online platform when applying cash loan is you will not have to worry about a payday loan store being open.

No waiting in a long queue for days, or dealing with unprofessional employees who will not respond to your queries or try to understand your situation properly and offer help.

Online loans now are the preferred method of applying for short term cash.


Are there guaranteed approval loans for poor credit?

Yes. In some cases, however, the lending company may decline your request.

Is there a way to get a payday loan online with guaranteed approval, regardless of your credit rating?

Both yes and no. We still consider your request serious, even if your credit score is low. This information is not used as a single factor in our decision-making process. We can’t guarantee a 100% positive outcome.

How do I find Bad Credit Loans with Guaranteed Approval and No Credit Check?

Payday Loan Helpers is able to offer bad credit borrowing without a hard credit check.

Are Direct Lenders able to guarantee instant approval for bad credit loan borrowers?

They can’t. Despite the high likelihood of approval, you can still be denied your request for certain reasons.

Is it possible for a Bad Credit Score Borrower to obtain a Personal Loan of $5000?

It is. Payday Loan Helpers offers this service. We will need all details to make a final decision once you have submitted your request.

Guaranteed to be approved even if your credit is not great?

The lending company does not consider your poor credit history when processing your request. The final decision will also be affected by your current work status, bank account balance, or other details.

What should I do if I need a 100% guaranteed approval on payday loans?

Nobody can guarantee approval. There’s always the possibility of your request being denied. You have a better chance of getting a positive outcome if you have a good credit score, stable income and deposits available at the bank.

Try Payday Loan Helpers today for your emergency loan needs

If you want to learn more about payday loans for bad credit then please apply or call our customer service on the phone number on this website.

Please feel free to give us a call and ask questions at our toll-free number or email us.

One of our dedicated customer representatives would be happy to assist you with all your questions regarding bad credit score,

If you want to get started now fill out our online application at

We’ll be in touch  fast and you will be on your way to accessing and receiving the funds you need!


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