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Fast payday loans are designed in such a way that most people can get their benefit even in the hardest situations. However, there are a few cases in which a direct lender won’t be able to lend you the cheapest guaranteed payday loans no matter what. So, guaranteed payday loans are only 99% guaranteed, which is already a good perspective.

Guaranteed Payday Loans No Matter What: Do They Exist?

The approval rate of FasterLoans’ payday loans is extremely high compared to other types of loans given out by credit unions, banks, direct lenders, etc. The reason for that is the interest rate and other fees a person has to pay to get approved for a payday loan. The total amount a borrower pays should, in most cases, be enough to cover for the risks the no telecheck lender is bearing. That is why sometimes these no faxing loans are referred to as “bad credit loans.” It is one of its many benefits.

Still, some FasterLoans’ clients have such a low score and a credit history that increases, even more, the risks for guaranteed payday loans direct lenders to the point that lending money would be a fool deal. If a lender turns you down, it is due to your credit score, and they can’t give you guaranteed payday loans no matter what.

Credit score in the USA is usually calculated according to the FICO score devised by the Fair Isaac Corporation. A FICO score comprises five key elements:

  • 35% — payment history
  • 30% — the total amount an individual owes
  • 15% — length of a person’s credit history
  • 10% — a mix of credit types
  • 10% — new credit

Any person with a FICO score receives a number that ranges from 300 to 850.

  • 300 to 579 points are considered bad/poor credit score
  • 580 to 669 is considered a fair score
  • 670 to 739 is a good score
  • 740 to 799 is an excellent score
  • 800 to 850 is considered an exceptional score

» COMPARE: No Teletrack Payday Loans

Eligibility Criteria for Guaranteed Payday Loans

You can still think of cash advance as guaranteed payday loans if you fit into the criteria required. If your credit score isn’t too poor, you won’t have any problems getting guaranteed approval payday loans from direct lenders. Beyond keeping a minimum decent credit score (the score that fits into the criteria might vary with each lender), here are the most common things required from a potential client:

  • Being at least 18 years old
  • Having a checking account to receive money deposit
  • Valid email and phone number for communicating
  • Valid ID
  • Proof of income
  • You need to be a US citizen

When everything with your data is fine, you can get your money on the same day. The acceptance is rapid, sometimes instant (taking 1 hour). It is the best option for people with bad credit.

What Online Payday Loans Has Guaranteed Approval With Bad Credit

Again, 100% guaranteed approval on payday loans does not exist. In most cases, a lender will approve your loan request, as the approval rate for this type of loan is very high. As already mentioned, interest rates and other additional fees (according to each state’s law) already cover the risk of online payday loans with guaranteed approval. So, if you are in a bad financial situation and feel like a payday loan can help you make it through, you can apply for guaranteed approved payday loans and see what happens.

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What Is the Alternative to Online Payday Loans With Guaranteed Approval

Every loan, money transference, or any other financial deal you can think of involves a risk both for the company and the client. Because of such risky nature, things such as guaranteed payday loans can’t exist.

However, you can still apply for online payday loans with guaranteed approval if you are not sure whether you will get approved or not. Here goes a bit of knowledge to help get things clearer: many cash advance lenders do not perform credit checks, or when they do, it is soft checks.

The difference between a soft check and a hard check is the impact on your credit score. Some types of loans require that the lender makes a hard inquiry (or hard check) into your credit history. A hard inquiry leaves a mark on your score, affecting it and making it harder for you to get more deals in the future. On the other hand, a soft check is performed only for the lender to get a little information and assess the risks. Soft inquiries don’t damage your score. In short:

  • Bad credit payday loans require soft checks (which are sometimes confused with no credit check) that don’t damage your score.
  • Other types of loans might require a hard check that affects your credit score.

That is part of the reason so many people resort to FasterLoans’ guaranteed payday loans for bad credit. The possibility of quick money with an instant decision by the lender and almost no denial possibility makes loans so attractive.

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I submitted the online application in the morning, and my loan got approved within the evening. No other loan service has delivered such speedy cash ever!
I had a poor credit score and was not able to find a payday loan anywhere. But at FasterLoans, I got the money within one business day.
My loan application got approved by the team within 24 hours, and I borrowed from a genuine lender in the state.
My fiancée suggested that I apply for a cash advance from FasterLoans. I am glad to connect with them as they provided the best service in all terms.
They keep their customer’s needs before everything. Whenever I got stuck, the support team was there to help me tackle the situation.
There could be no better loan service company than FasterLoans. Here, you will get quick cash without any credit check.
The direct lenders of this firm are too generous. They support even those borrowers who have a poor credit score like mine.