Guaranteed Payday Loans

While online payday loans are not 100% guaranteed, customers should know that by improving their credit score and meeting as many financial requirements as possible, they may improve their chances of receiving funding.

There is a process when it comes to getting approved for an online payday loan through a direct lender. A few options include:

  • Giving the creditor a post-dated check
  • Providing access to one’s bank account, online, or by phone

Guaranteed Payday Loans Online – Not Available

No form of lending is automatic. Even shorter-duration loans have an approval process, and nobody gets to cut to the head of the line. Simply put, no lender can honestly guarantee a payday loan to someone who has not yet applied.

What are payday loans? How does one qualify for a payday loan, and what are the requirements to apply for one?

Payday loans are short-term loans issued to consumers who are in a financial bind or have an emergency and need cash immediately to cover their expenses. They may be beneficial for those who are seeking financial assistance and need some additional support until their next paycheck. However, the application process and finding the right loan can be daunting tasks.

Eligibility for Guaranteed Approval Payday Loans


There is a list of steps the consumer needs to take in order to be eligible to receive a payday loan. While lenders cannot be certain the client will qualify for a loan, they do have a set of requirements that help clarify the application process. These requirements are as follows:

  • An active bank account – This can be a checking account, a credit union, or any account belonging to the consumer applying for a loan.
  • Proof of income – Proof of a stable income is crucial when it comes to applying for a loan. Lenders may look to make sure applicants have a place of employment and a regular income. There are several ways to earn an income: employment, social security benefits, disability, or an inheritance.
  • Valid identification – A driver’s license, a state ID, or a passport can be used as a form of identification.

These are just a few of the basic requirements. Each lender may have their own set of requirements and information they may need. It is important to note that meeting these requirements will not ensure that the applicant will receive the loan.

Bad Credit Payday Loans Guaranteed Approval

Getting a payday loan with no credit check is impossible. Those with bad credit may be less likely to pay back short-term loans. They may be unable to meet the requirements of their lenders. There are numerous reasons for having a poor credit score, and it can affect your financial decisions for years if they are not taken care of immediately.

  • Credit reports can last up to 10 years
  • Missed payments can lower your credit score
  • History of your credit may affect your score

Someone looking for bad credit loans online can do some research and see if lenders are willing to give them a loan. Even quick payday loans for bad credit will likely require a hard credit check.

While approval is never guaranteed, payday loans are a convenient, reasonable, and flexible short-term loan option for those who need emergency funds.

Alternatives to Guaranteed Approval Payday Loans

Trying to find a guaranteed payday loan is a lost cause.  It is tempting due to the fact that these loans are so flexible. Yet, consumers need to know that finding a lender is never a sure thing.

It is important to do one’s research before deciding to take out a loan, especially if there are obstacles such as bad credit and lack of stable income. Bad credit payday loans are good for a short period of time, but in some states, they are limited to short periods of time. If the consumer is in need of a payday loan, a bad credit loan may be difficult to come across.

Are there any alternatives to a payday loan? Well, some lenders specialize in bad credit. Installment loans are one option. Title loans are another. These loans can be expensive, but it can help to start off with these and build credit over time so that when the consumer has the means and credit score to get a better loan next time. Taking out a loan from a family member or a friend is another option, of course, but some may not feel as comfortable accepting such money.

Installment loans do not have to be repaid as quickly, so consumers do not need to rush to make ends meet or pay back the loan immediately. Title loans, on the other hand, are a bit more complicated and require the customer to put up their car as collateral for a loan. If the loan is not paid back on time, lenders have the right to take the borrower’s car away to pay off the loan.

Bad credit installment loans may be the more convenient option for someone who wants to build his or her credit score in the long run. The interest rates on these loans tend to be higher for those who have poor credit and lower for those with better credit.

Even with the most trusted payday loans online, one must be sure to do their research and be aware of predatory lending practices. There are lenders who promise immediate funding and low-interest loans, but they collect the customer’s personal and private information and use it for their own personal gain. Avoid those lenders at all costs.