Need a loan but have a bad credit?

While most of the loan lenders don’t understand that no one wants to have bad credit intentionally, and such a condition is a result of some unfortunate happening like serious illnesses or financial crisis, we know how it feels like to be in such a situation where you are already suffering, and then, not being able to get loans adds to the misery. 

To ease your tension, we have come up with a list of lenders that can provide you with loans despite your bad credit, and that too comes with guaranteed approval. 

In addition to that, these lending companies might also help you come out of the “bad credit” situation by sending the records of your timely made payments to national credit bureaus. 

Here, you might be wondering if these companies do not consider the credit score, how do they even work? 

Well, the answer to that is, they look out for things other than that. For example, how do you manage your expenses, what’s your average income? How much do you spend from your total income? Etc. Therefore, these companies are legit. 

While genuine and legitimate companies help you out of this deadly situation and provide personal loans for bad credit, some fraudulent people take advantage of others’ problems and charge hefty amounts in the name of interest. 

Hence, it is highly important to opt for those lending companies that charge reasonable fees and interest rates, and we have got you covered in that regard. 

Top 5 Online Bad Credit Loan Providers With Guaranteed Approval 

  1. MoneyMutual: Best Personal Loan Provider for Bad Credit
  2. BadCreditLoans: Best Emergency Loans For Bad Credit Borrowers
  3. CashUSA: The Easiest Loans To Get 
  4. Personal Loans: Best Personal Loan Provider 
  5. Credit Loan: Guaranteed Bad Credit Loans

 #1. MoneyMutual– Best Personal Loan Provider for Bad Credit

Best Personal Loan Provider for Bad Credit


MoneyMutualMoneyMutual


MoneyMutual

  • Funds transferred into your bank within 24 hours
  • Over 60 lenders available
  • Trusted by over 2 million users
  • Secure Website


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Brand Overview

As per a report, every 4 out of 10 people do not have enough wealth to even come up with $400 in case some unfortunate situation arises. 

Also, we all are well aware of the difficulties regarding approaching lenders individually and then fulfilling their never-ending requirements to have a personal loan that, too, comes with a heavy interest rate. However, things are different when we talk about MoneyMutual. 

Founded in 2010, MoneyMutual’s main aim is to link short-term lenders with borrowers and make things easy for the borrowers by providing funds immediately. The procedure is pretty swift and easy to get done with. 

Features 

Initially, all you have to do is to visit their official website and fill out a simple form which is the site’s basic requirement to proceed. Then you’ll have to provide information like where do you live, what’s your age, and whether you earn $800 per month or not. Then the company starts working on your request. You can keep track of the progress through the official website. 

In the next step, MoneyMutual connects you to that lender who’s willing to give you a personal loan. You are then redirected to the lender’s website to go through the loan agreement’s terms and conditions and interrogate since MoneyMutual does not intrude in this process at all. 

Then, if you agree to the terms, interest rate, and fees set by the lender, you can finalize the deal. The lender might contact you directly in order to proceed. 

The funds can then be directly deposited into your bank account in no more than 24 hours! However, it is pertinent to mention here that, MoneyMutual just acts as a free bridge between you and the lending company/lender and has nothing to do with the terms and conditions that have been set between you and your lender. 

Pros 

  • MoneyMutual doesn’t charge any fees for the service it provides.

  • The approval process is very simple.

  • The official website is easy to navigate. 

  • Funds are transferred into your bank account within 24 hours. 

  • MoneyMutual has over 60 lenders available.

  • The site is secure; hence your personal information is not at risk. 

Cons 

  • Only US residents are eligible to get a personal loan.

  • Once you have signed the loan agreement, the site is not responsible in case you encounter any problem. 

  • If you are not able to prove that you have a regular source of income, you’ll not fall under MoneyMutual’s eligibility criteria.

Customer Experience

With more than 2,000,000 customers online and the overwhelming reviews that they have left, there is no doubt that MoneyMutual is doing a great job. Almost all of its users seem to be satisfied with their service since it’s hassle-free, and the company itself charges no fees to connect you with a lender. 

The next thing that people really appreciated was the quick transfer of funds to their accounts that helped them deal with their situations immediately, and so, they trusted MoneyMutual more than any other source. 

Not only that the company has returning buyers but also, people have been reaching out through referrals which speaks for the company’s credibility and reputation. 

#2. BadCreditLoans – Best Emergency Loans For Bad Credit Borrowers

Best Emergency Loans For Bad Credit Borrowers


BadCreditLoansBadCreditLoans


BadCreditLoans

  • Free Service
  • Request up to $10,000
  • Privacy, Security, and 24/7 service
  • Committed to Responsible Lending


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Brand Overview

BadCreditLoans is yet another company that connects the borrowers with the lenders, just like MoneyMutual. 

So, no matter for what reason, you want some immediate funds, be it debt relief, debt consolidation, credit card refinance, rent or mortgage, medical, rent or taxes, auto repair, special occasion, vacation, etc. BadCreditLoans has got you covered.

With the help of fact-based information provided by the company, you can make responsible decisions freely since the company isn’t bound to seal the deal with the lenders if you are not satisfied. 

Features

With BadCreditLoans, you can request funds ranging from $500 to $10,000. The flexible repayment options are great since they give you the liberty to make payments in up to 36 months. However, the interest rate varies depending upon the terms and conditions set by the lender. Interest rates range from 5.99% to 35.99% APR. 

To be eligible to get a loan through BadCreditLoans, you must be 18 years old or more. You should have a proper source of income, and proof of citizenship is also required.

By following three simple steps, you can get the funds transferred straight into your bank account without any inconvenience. The first step is to fill the simple form given on the official website. 

In the form, you’ll have to enter the amount you want to borrow, the reason for which you want money, provide proof of your citizenship – be it a social security number, provide some personal information like your name and date of birth, and bank information, etc. 

Then the company plays its role. It links you to a lender to help you with your financial needs. The lender then goes through your request and offers you an agreement based on your requirements. 

If the offer appeals to you, you can accept it; otherwise, there’s no pressure. You can turn it down and start over to find someone else. However, make sure to go through the terms and conditions set by the clients thoroughly. 

Let’s say you both have come to an agreement; then, you’ll be required to sign the contract electronically to get the amount transferred into your checking account. Higher chances are of receiving funds the next business day, but you might experience a delay too, depending on the deposit process lender has chosen.

Pros

  • You can easily apply for funds just by filling a form.

  • It eliminates the hassle of contacting the lenders individually for funds since a single form connects you to several lenders.

  • In case no lender is available to lend you funds, the company shows you ads of other lending companies. 

  • Factual information regarding the lender is provided. 

  • The company puts no pressure to close the deal with a lender if you’re not satisfied personally. 

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Cons 

  • Those who have abysmal credit scores might not be able to get loans of more than $1000. 

  • The Better Business Bureau hasn’t rated the company that well. 

Customer Experience

All in all, BadCreditLoans was a credible source to find trustworthy and reliable lenders. The fact that they proceed with your request without considering your poor credit scores at first opens a whole lot of avenues for those who haven’t been able to get loans from anywhere else. 

However, they require a little more detailed personal information as compared to other companies in the market, but it’s all worth it. 

#3. CashUSA – The Easiest Loans To Get 

The Easiest Loans To Get


CashUSACashUSA


CashUSA

  • Fast and Free Service
  • Simple Requirements
  • Get Up to $10,000
  • Safe and Secure


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Brand Overview

Not all companies offer easy guaranteed approval on bad credit loans, but CashUSA does. You can borrow up to $10,000 from a lender via CashUSA. However, how much money can be lent to you depends on what is the condition of your credit score. The interest rates range from 5.99% – 35.99% APR. 

One of the most prominent features of this company is the education center that we can access through the website. 

It provides you with all the necessary information regarding many finance-related things such as credit score, calculation of debt, planning of paying back the student loan, setting your priorities and budget, accordingly, choosing a financial advisor, and the list goes on. 

So under one roof, you get useful information as well as some lender to borrow money from. 

Let’s have a detailed view of what the company has to offer and how it works. 

Features

CashUSA also works pretty much similar to others on this list. Firstly, you are required to fill out a short form that requires some basic information like your name, a valid email address, if you are an active military member or not, and lastly, the amount you want to borrow. 

Then in the next step, you are asked to provide some more detailed information like your phone number, your home address, whether your home is yours or rented, what’s your monthly income, what’s the name and number of your boss, your ID, and social security number, and the bank account type. 

In the last and final step, you provide the company with information concerning your bank account and a few other things. 

You might be wondering if it is a lot to do and they require a lot of information but trust us; it’s still better than visiting different offices, having in-person meetings, waiting for weeks and weeks for a response, and funds to be transferred to you. 

The rest of the job will be performed by CashUSA since, as soon as you click “submit,” your request is sent to all the available lenders. Then, any lender whose interests align with yours will send you an offer.  

Once you have received the offer and you find it suitable after reviewing the terms and conditions, you accept it by giving your e-consent to get the funds transferred to your account in one business day. However, if you’re not satisfied, you can brush it aside. 

Pros

  • Fast and free service is provided.

  • One million monthly users speak for the company’s credibility.

  • You can pay the loan installments easily, given the time of up to 70 months.

  • The company has a lot of lenders to connect you with.

  • The service is swift and free of cost.

  • The education center contains a lot of helpful information to benefit from. 

  • The safe and secure system ensures the protection of your personal information. 

Cons 

  • Some people might not appreciate that the company asks for a lot of personal information. 

Customer Experience

People have been happy with their decision of choosing CashUSA to get some loans in the hour of need. The company has proved itself pretty helpful, especially for smaller loan amounts. The customers also praise the fast transfer of funds without any hassle.  

#4. Personal Loans – Best Personal Loan Provider

Best Personal Loan Provider


PersonalLoansPersonalLoans


PersonalLoans

  • Best for Personal Loans
  • Request from $1,000 to $35,000
  • Funds available in 24 hours or less
  • Easy Repayment Terms


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Brand Overview

The company promises its customers to provide a safe, secure, and fast transfer of funds regardless of the time at which they want some money. No matter if it is day or nighttime, Personal Loans always have some people ready to lend your money up to $35,000. 

Even if no one accepts your request from their own circle, they have the option to approach their other “third-party” members to help you. However, it requires the company to provide them with limited information about you. But nothing to worry about! You can be assured that you’re in safe hands. 

Personal loans, themselves, charge no fees for the service they provide. They just act as a bridge between you and the lender, and once contact has been established between you two, the company steps aside. 

Let’s have a detailed look at what the company has to offer and how it works.

Features

On reaching their official website, you start off the process by filling the traditional form as the initial step, which asks for some basic personal information. The thing that we found peculiar about Personal Loans is that it gives a solid reason for each detail that it asks for. This helps build a person’s confidence to trust the company blindly. 

Then, based on the information that you have provided initially, a lender who wants to work with you will send you an invitation to proceed by shifting to their website. Another good thing about Personal loans is that you’re not bound to provide additional information prior to being invited by a lender. 

You are then free to make a decision keeping in view the terms and conditions the lender has approved. On approving the deal, the funds are transferred to your bank account within 24 hours. 

Personal Loans also give their customers relaxation regarding repayment of the loan. Let’s say, due to any unfortunate reason you think you won’t be able to pay the installment on time, you can contact either the lender directly or the customer support to offer you relaxation by proposing a new due date. 

Even if you have missed a deadline, you still have got a chance. You can talk to your lender directly in this case and request him to propose a new repayment schedule according to your budget and affordability. 

Pros

  • Funds are available in no more than one day.

  • Easy repayment terms are proposed.

  • You may repay the loan in up to 72 months.

  • Turning down an offer will cost you nothing.

  • Flexible repayments help you improve your poor credit scores.

  • A solid reason is provided for the information required. 

  • You can loan up to $35,000.

Cons 

  • There are chances that your request might not get approved if you have very poor credit scores.

#5. Credit Loan – Guaranteed Bad Credit Loans

Guaranteed Bad Credit Loans


Credit LoanCredit Loan


Credit Loan

  • Free, Fast, and Secure Service
  • TRUSTe Verified
  • Funds available 24 hours or less
  • Suitable for smaller funds


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Brand Overview

Founded in 1998, the company has served more than 750,000 people by connecting them to lenders. The company aims to provide its users with secure and practical tools to deal with everyday financial problems. 

Affordable interest rates on payments make Credit Loans a reasonable option to consider. The site is not only for those who have an average credit history but also for those who have a poor credit score. However, the company assures that only the lenders that are suitable for you can access your request for the loan. 

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