Personal Loans Guaranteed Approval |‌ ACFA

Bad credit scores can make borrowing money difficult and limit your options for lending. However, a poor credit score is not a guaranteed of failure for personal loans. Bad credit loans are still available, even if you don’t meet the most favorable lending criteria.

Many lenders are willing to accept the risk and offer credit to people with poor credit. Lenders that offer bad credit loans with guaranteed approval meet broad credit standards. Bad credit loans can help you rebuild your credit if you pay on time monthly payments.

If you make regular payments on time and pay the full amount due, your credit score will improve over time. We have compiled a list online lenders that can help those with poor credit get loans that will be approved.

Top 5 Online Companies for Best Bad Credit Loans – Guaranteed Approval

MoneyMutual – The Best Overall Loan with Guaranteed Acceptance

BadCreditLoans – Best Company For Emergency Loans

CashUSA The simplest loan to get

PersonalLoans Best Online Lender for Personal Loans

Credit Loan – Guaranteed Bad Credit Loans



MoneyMutual is the company that comes to mind when clients are in dire need of emergency loans. Because hundreds of customers have used its services, it stands out on the list of best lender websites.

It works with a group lenders to bid on your behalf. You can get cash in 24 hours, or personal and short-term loans ranging from $250 up to $2,500.

Instead of receiving your loan directly from MoneyMutual, you will complete a form which will link you with a lender within MoneyMutual’s system. MoneyMutual will save you time and help you compare different options. If you make $800 per month, have an open checking account, and have a job that pays your bills, you may be eligible to borrow.

MoneyMutual uses 256-bit encryption on its website and is regularly scanned for system vulnerabilities. MoneyMutual will protect your personal information when you provide it to them. You can be assured that your information is safe if you are linked to a lender or routed to another website.

Payday loan companies often charge fees for the amount borrowed. As a general rule, for every $100 borrowed for conventional payday loans, you should expect to pay an average $15 in fees.


The service is free of charge

The process of getting a loan approved is simple

There are over 60 lenders available to choose from

It is simple to use the website


For US Residents


Easy to Apply

MoneyMutual is a very handy tool that speeds up the approval process for payday loans or bad credit. It’s much faster than searching the internet for many companies and evaluating their information. Complete one form and then compare the offers from different providers.

User-friendly Website Approved Fast

The website is easy to use and should only take a few minutes for loan approval. It is easy to use and secure. Your financial and personal information are not at risk.

No Service Fee

MoneyMutual doesn’t charge additional fees for its services. This is particularly important because it can be hard to get a payday loan or negative credit without being cheated by companies looking to profit.

Customer Experience

Most consumers who have used this service claim it is easy to use and that they can communicate with lenders via the internet. Customers say they were able to receive cash faster than with other services. 

MoneyMutual’s speed is undoubtedly one of its greatest assets. It can take several days to get a loan from traditional brick-and-mortar lenders. MoneyMutual might be able to finance your loan in as little as 24 hours.

#2. Bad Credit Loans – Best Company For Emergency Loans

Overview is not a lender, but a loan platform. It works with many lenders who are willing to connect consumers in dire need of funds. It has partnered with many lenders that will provide loans for those with poor credit.

The service is completely free and available seven days a semaine, 24 hours a year. The website states that the company specializes in helping people with bad credit find network lenders who are willing to assist.

With a loan amount of $10,000, the annual percentage rate (APR), ranges between 5.99 percent to 35.99%. A person must be at least 18 and a U.S. citizen, legal resident or have steady income such as regular work, Social Security or disability payments. A bank account is required, as well as a number that can be used for both work and home.

The online application for Bad Credit Loans takes less than five minutes. It will then search for lenders that match your criteria and send you proposals via email. will submit the request to the top personal loan companies that match your situation once all requirements have been met. You may receive money within one business day. However, the processing time is dependent on the lender and may take longer.


Collateral is not required

Applying is free

Agents who are helpful and quick

After clearance, quick funding


Some may find the eligibility criteria to be too strict for them



Lenders don’t charge any application fees. You can apply for a loan online in minutes and receive a list with possible lenders. The lenders decide the majority of interest rates and fees. According to the, the projected annual percentage rate for the loan is between 5.99% and 35.99%.

Bad credit will be charged a higher interest rate than those with better credit. Lenders may charge an origination fee of 1% to 8 percent of the loan amount.


They clearly state the rates that you can expect and explain that they are a lending platform, not a lender. To ensure you understand the terms of any loan, they advise that you carefully read all documents.


To ensure responsible financing, bad credit loans must meet all safety standards. The borrower gives out personal information to many lenders. Site assures that all precautions have been taken to safeguard the data. They use advanced encryption technology to protect the data they have collected.

Customer Experience received the highest number of reviews. It is simple to use and easy for consumers to navigate. The support staff can also be helpful quickly.

Customers also stressed the importance of obtaining quick cash loans on a timely basis. This site is a great place to get a personal loan, even if you have bad credit.

#3. CashUSA is the simplest loan to get


CashUSA connects borrowers to a network lenders in the United States who can offer loans. This is a reliable source for fully secured loans. It relies on reputable partner lenders to provide borrowers with the best personal loans.

By filling out an easy online form, prospective borrowers can apply quickly for a loan. To be eligible for a loan, you must be at minimum 18 years of age, be a citizen or permanent resident of the United States, have a bank account and provide valid email addresses.

Borrowers have the option to apply for loans as low as $500 or as high as $10,000. Accepted loans are sent to your bank account within the next business day after approval. The application process is quick and easy. The annual percentage rates (APRs), for these installment loans, range from 5.99 percent up to 35.99%. This is the market average. You can repay it in as little as 90 to 72 month.

There are also tribal loans that are available. However, these loans should not be taken lightly as they are made by tribal lenders, who aren’t subject to federal and state lending regulations. This means that high interest rates and other costs often accompany them.


There is no minimum credit score requirement

Free service

It is easy to meet the requirements of the application

We can tailor loans to suit your needs and circumstances


High-interest Rates


Quick and Easy

Although the form requires a lot of information, it is easy to complete. After you click submit, your online form will be processed in a matter of minutes.


CashUSA is not a lender platform. You will not know any fees until you get more information from potential lenders.

There may be fees such as an application fee or a prepayment penalty. A returned payment fee and late payment fees could also be charged. However, these charges are entirely at the loan provider’s discretion.


Many people are interested in finding out more about online loan application security. Borrowers should only use secure and safe lending sites. uses the most advanced encryption technology to protect your data. The site also conducts daily security checks to ensure that the system is secure and there are no security holes.

Customer Experience

CashUSA has received positive ratings from money management and financial websites, even though there aren’t many reviews. Customers love how simple it is to apply on this site for a loan and how quickly they can get substantial money.

#4. Personal loans – The Best Online Lender for Personal Loans

Overview helps people get the funds they need when there are no other options. If their credit score has been affected by financial problems in the past, they may not be eligible for standard financing.’s lending partners offer unsecured loans in sizes ranging from $500 to $35,000. The APR of your loan will depend on your credit score, the loan you choose, and how much you borrow.

Applicants must be 18 years of age and a U.S citizen or permanent resident to be eligible for the loan. A Social Security number is required as well as a steady income source. There are additional requirements that vary depending on which type of loan you get. Peer-to-peer loans require a minimum credit score of 600 and a minimum of $2,000 in verifiable income.

Connecting investors and borrowers make Peer-to peer loans. Instead of borrowing money from banks, you will receive it from an individual or company.

Fill out the short form on company’s website. This will let you specify how much you would like to borrow, your reasons for needing it, and your credit history. You will receive a loan agreement detailing the terms and conditions of the loan if you are matched to a lender. The agreement will outline the terms of the loan, including the amount you have been approved for, the repayment term, monthly payments, and the interest rate.


You have access to a vast network of lenders

The process is very simple

The lending network is made up of banks and credit unions

One-day financing

Collateral is not required


There is no lender that will lend directly to you

Maximum amount you can borrow is $35,000


Security takes extra precautions to ensure that your personal information is protected from unauthorized access. These precautions include computer protections, data security, and buildings security.


It is quite possible to get a personal loan with a repayment term of between 90 and 72 months. This flexibility allows customers to choose between short-term or long-term loans.

No fees

The platform allows you to apply for loans, search for deals and learn more about the lending organization for no cost. You won’t pay any fees even if you apply for a loan via the website. Instead, the lender will make a small payment.

Customer Experience should be your first choice if you are looking for a fast personal loan. The positive reviews from clients prove that. currently has an A+ rating with the Better Business Bureau (BBB), which means they provide excellent customer service. There are very few complaints. You can find more reviews on other review sites.

#5. Credit Loan – Guaranteed Bad Credit Loans

Overview specializes on personal loans for people with bad credit. It’s a marketplace for lenders, so borrowers can submit bad credit loan applications to multiple lenders at once. is a great resource for anyone looking to do some research on their loan options and compile statistics. claims to have provided over 33 million consumers with easy-to-use tools like interest rate calculators, mortgage information, and more. will then send your request to all the lenders that match your credit situation once you have entered this information. Every loan broker is equipped with an automated underwriting system which allows them to quickly make credit judgements, no matter what time it may be. will send you an email shortly after your request is submitted. Usually, it takes five to ten minutes. You will be notified if you are eligible for a loan. You can choose to accept or decline a loan offer if you are offered one. If you accept, the network will direct to the lender’s site. claims it can accept loan applications up to $25,000 but the lender group that specializes only in personal loans for people with bad credit offers only $5,000. The minimum amount that can be borrowed is $250 for all credit ratings.

A credit loan’s APR ranges from 5.99 percent up to 35.99%. The platform will not be able to contact you unless you and the lender have been linked. This means that things such as how much you want to pay each month can be discussed directly with the lender.


The loan amounts offered range from $500 to $35,000

Within 24 hours, your funds will reach you.

All 50 U.S. States have services

It is easy and quick to get approval online


Bad credit borrowers can get loans up to $5,000


Safe takes security seriously and has been doing it for nearly two decades. has been awarded McAfee Safe and SSL certifications, attesting that it uses the highest level of encryption and security online.

CreditLoan offers a secure environment where all information is sent to CreditLoan and partner lenders via encrypted lines. This protects against hackers.

No Service Fees services are free of charge. is a national lender referral service.

Instead of charging the borrower, each lender agrees that it will pay a referral fee for every loan the network refers. This is how the network makes a portion of its income.

Customer Experience

Customers love the flexibility of the loan options and the ease with which they can access all the information on the website. has received mixed reviews, just like other online lenders. The firm has a high rating on many review sites. However, it is not easy to find out why so many negative consumer reviews are coming from people who have declined loans.

Factors to Consider Before Applying for a Bad Credit Loan with Guaranteed Approval


This should be your primary concern when you require an emergency loan. Before you approve your final approval, you should read the reviews of clients on any platform, CashUSA or Personal Loans.

Rates and types of interest

Compare interest rates when deciding which loan you should get. If your credit score is high, you will get a lower interest rate. Personal loans have fixed interest rates. This means that your rate will not change over the course of your loan. Private student loans can have both fixed and variable interest rates. Variable-rate loans have interest rates that can fluctuate in lockstep with the index rate.

Repayment Methods

Lenders offer many repayment options that will make it easier to repay your loan while still earning interest. In some cases, automatic payments from your bank account may be a good option to get a discount.

You can also mail cheques or pay online using your bank account details. Ask your lender if they have a strategy for you.

Fees And Penalties

You may be charged late, origination or returned payment fees depending on the lender you choose and your state. Some lenders don’t charge origination fees for loans, while others may charge a percentage. Late payments may incur a late payment fee. You might be granted a grace period of up 15 days.

Eligibility requirements

Lenders may have minimum credit scores, income levels and debt-to-income ratios. The minimum credit score required to obtain a loan will vary depending on which lender you choose and what type of loan you are looking for. 

Higher scores can increase your chances of getting approved. Lenders may also look at your past and other factors, including your income and debt to income ratio. Some lenders will allow you to add a cosigner if you don’t have sufficient credit or income to be eligible for a loan.

Flexible T&Cs

Lenders are willing to lend money to consumers with poor credit scores if they have the right terms and conditions. It is difficult to find lenders who will lend money to those with poor credit ratings. Look for lenders that offer flexible terms and will lend money to you even if your credit score falls below 600.

How to Get a Bad Loan with Guaranteed Approval

Check your credit score

Before you begin looking for the best lender, it is important to verify your credit score online through a credit-providing site or through your credit card issuer. This will show you what you’re qualified for and what you can’t. Also, you should look out for errors in credit scores such as unpaid debts.

Set your budget

First, determine how much money you will need to borrow. Next, create a plan to make sure that payments are made on schedule. You should ensure that your budget covers basic expenses such as food, shelter, transportation, and credit card payments.

Take into consideration the time frame for payback

When determining the monthly amount you can afford, consider both the payback period and the amount. The longer you wait to repay the debt, the higher the interest rate. Monthly payments will be affected by the APR of the loan and the interest rate. Remember to include any borrowing costs.

Pre-qualify with Multiple Lenders

Many online lenders will pre-approve your application. These pre-approvals will tell you the interest rate they are willing and able to offer. Pre-approvals can be important quotes that are obtained by soft pulls of your credit history. They are meant to show you the borrowing costs available for someone with your credit rating. Before you apply, this is a great way to compare the terms and prices of different types of loans.

Add A Co-signer, If Necessary

If you are looking to get better terms, consider adding a cosigner to your loan application. A co-signer is an additional person who will promise to repay the loan if you fail, which lowers the risk for the lender.

Repay your Loan

Some lenders will fill your account within the next day. After the money has been disbursed, you are responsible for paying back the money. To avoid late penalties and a decrease in your credit score, you must pay the money on time. Paying late will result in higher interest rates and a larger loan amount. To ensure you can repay your loan on time and every time, it is important to do the math before you apply.

Other options for bad credit loans

If you are unable to get a loan, or need another way to pay your financial obligations, there are many other options.

Bank agreements

Your bank may allow you to take out a short-term loan, or an overdraft agreement with a limit depending on its policies. Your ability to maintain your bank account open and your past banking history are important factors. For more information, call your bank to inquire about your options.

If you have strong connections with your bank and need access to small amounts of money, a bank agreement might be a good option. Because they do not have established policies, bank agreements can be unreliable for borrowing money.

Cash Advances

A cash advance is an option offered by your credit card issuer. This is similar to a short-term loan. The cash you receive is in cash and taken from your credit card balance.

Cash advances are one way to get cash quickly. Although cash advances can be used to pay for unexpected costs, they are not recommended as a regular option. There is no grace period so interest starts to accrue immediately. This could potentially put you in financial trouble.

Credit Home Equity Loans

Like personal loans, home equity loans offer a large amount upfront and monthly repayments. The lender can take your home as collateral for these loans. Although this secured loan has lower interest rates than regular personal loans, the rates could be higher because it is secured. You also risk losing your home because your property is collateral for the loan.

Friends And Family

Be cautious as you don’t want to endanger your family or friends. It is important to take it seriously.

It should be treated as if you were dealing directly with a financial institution. Your loved one may be able to help pay off their debts by offering babysitting, labor or other services.

FAQs on Bad Credit Loans

Q. What Are Bad Credit Loans?

Bad credit is something that no one wants. Credit score can be affected by factors such as late payments, financial mismanagement and job crises.

Bad credit loans are lending options for people with less-than-ideal credit. There are options for bad credit loans that can be secured or collateralized. You may be able to get a loan with lower interest rates even if your credit score is not favorable. However, it’s possible to find a lender who will offer you a loan with a lower APR if you do some research.

Q. Is it possible to get a loan even if you have poor credit?

If you have poor credit ratings, it will be difficult for you to get a personal loan. However, it is possible. Many lenders will lend you money despite your poor credit rating, but at a higher interest rate.

Q. What Loans Can You Get if You Have Bad Credit?

You can still apply for loans, even if your credit score is poor. Some cases are more risky than others. These are just a few options:

Personal loans for people with bad credit

Payday loans can be short-term loans

Different types of installment loans

Student loans

Cash advances on credit cards

Q. Do Direct Lenders Guarantee Approval?

A lender cannot guarantee approval. On average 70% of all negative credit loans are approved and lenders will not accept 100% of loan requests. Lenders who promise such guarantees should be avoided by borrowers. They are almost always false.

Q. What Is a Bad Credit Score?

Poor credit is defined as a credit score below 580 on the FICO scale from 300 to 850. Lenders refer to subprime borrowers as they are more risky. A low credit score can make it harder to get items such as a vehicle, mortgage or business loan. It is in your best interests to improve your score before you apply.

Q.How Much Can I Borrow With Bad Credit?

The lender you choose and the information on your credit application will determine the amount of money you can borrow. Below are the lenders that offer loans from $1,000 to $50,000. The odds of getting approved for a larger loan are higher if you have a good credit rating. Based on the amount you borrow, your APR on your loan will vary. Higher loan amounts are usually associated with longer loan terms.

Q.  If I Have Terrible Credit, What Interest Rate Should I Expect?

If your FICO score falls below 670, you’re deemed a subprime borrower. Your credit score below 580 is considered very bad. Each lender sets its own criteria for loan acceptance and pricing. If you have poor credit, it is difficult to predict the APR that you will pay for a personal loan. 

Personal loan interest rates range from 5.5 percent up to 36 percent. Rates for personal loans can range from 5.5 percent to 36 percent for those with poor credit scores.

Q. Can you get a loan if you are unemployed?

You may be eligible for a loan if you are unemployed. However, it may prove more difficult and you will need to consider certain factors. Lenders need to know your job details in order to determine if you can afford the monthly payment. 

Lenders may offer a better chance of you being approved for a loan if there is an alternative source of income to regular work. This could be unemployment benefits, social insurance payments, side business, or spouse’s income.

Q. Is it possible to get a loan without having my credit checked?

It is much more difficult to get a personal loan without credit checks. The lender will not look at your credit history but instead, they will assess your income and ability to repay the loan. The most popular types of no credit check loans are pawnshop, title, and payday loans.

You may be charged high interest rates and fees if a lender offers you a loan without examining your credit history or conducting a credit check. Title loans and pawnshop loans are avoided by most consumers. These loans are secured, meaning you can lose your collateral if defaults on payments.

Q.  How Will Applying For A Bad Credit Loan Impact My Credit Score?

Because they are less risky to the lender, secured loans are often easier to obtain than unsecured loans. Secured loans are more affordable than unsecured loans, even if you have poor credit. Secured loans are more risky for the borrower because you could lose your collateral if payments are not made on time.

Payday loans should be avoided. They may not have the best credit score, but they can come with high fees and APRs that could push you deeper into debt.

Q. How will applying for a bad credit loan impact my credit score?

The lender will conduct a HARD credit inquiry when you apply for a loan. This means that they will request your credit report from credit agencies to determine your creditworthiness. 

HARD credit inquiries will temporarily lower your credit score and may remain on your credit report for up to 2 years. It is better to not open too many accounts within a short time period, as recent credit activity can contribute to 10% of your credit score.

Some lenders will provide you with a SOFT Credit inquiry before you apply for a loan. This is to determine if you are pre-qualified and the rates you’ll receive. SOFT inquiries won’t affect your credit score.

Q. Who can apply for a loan with a bad credit score?

According to the network, each lender has its own approval standards. One lender might consider a no-go, but another could accept it.

Only citizens of the country or state in which the service is provided are eligible to apply

You must be at minimum 18 years of age to apply for a loan

A bank account must be open in your name.

It is not possible to be involved in a bankruptcy case.

A steady source of income is essential

Last Thoughts

These loans are available with guaranteed approval and can be a helpful tool to help you quickly get out of financial trouble. However, it is important to be careful and manage your obligations carefully or you could find yourself in financial trouble.

Without putting you through the ringer, any of the reputable firms that we reviewed may be able help you with your financial problems. You may also be able improve your credit score by paying back your cash advance or loan on time.

Be sure to understand all terms and costs of any loan. Check rates, fees, and conditions before applying for a personal loan. It is important to do your research before you apply for a personal loan with bad credit. Each lender has a different charge structure so it is worth doing some research. Our research has shown that Money Mutual, Bad Credit Loans, are the most reliable online platforms to manage your financial needs.


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