Bad Credit Loans Guaranteed Approval

Almost anyone, even those with bad credit, can get a loan.

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It's a fact of life that people with good credit have an easy time getting guaranteed-approval loans. If you're not one of them, things are usually a lot more difficult.

Don't give up, though. While no-credit-check loans for bad credit are very rare, you probably have more options than you think.

What Are Bad Credit Loans Guaranteed Approval?

A bad credit loan is simply money lent to someone with a low credit score. In other words, their credit isn't the only factor taken into account when setting up the loan. This makes financing accessible to a much wider range of people.

Extremely bad credit loans generally have higher interest rates, making them more expensive in the long run. They should therefore be taken out only after careful thought or in a major emergency.

The phrase "guaranteed approval loans" is a little misleading: no financial company really promises to help every single customer. Many, though, specialize in urgent loans for bad credit, making it much more likely that you'll be approved.

Can I Obtain a Guaranteed Approval Loan For Bad Credit?

The answer is in many cases "yes".

Numerous lending companies understand that people with bad credit can still be responsible borrowers. As long as you earn an income, for instance, they can be reasonably sure that you'll pay them back on time. This income doesn't need to be from a 9-to-5 job, either: earnings like disability or Social Security payments, or being self-employed, are just as good.

There is one small hitch, though: loans with no credit check whatsoever are usually not legit. Most lenders will use your credit score to calculate your interest rate, and a really abysmal score may cause them to reject your application.

How Can I Find a Bad Credit Loan with High Approval?

Lenders usually don't make the details of their no-credit-check loans' same-day approval process available to the public. Aside from the basics you'll see on their website, you have no idea whether or not they're willing to lend to someone like you.

You also don't know what kind of deal they'll offer if you do get approved. Your best bet is therefore to apply with several of them at once – at least one should have a bad credit loan for you at a reasonable interest rate. This is where USBadCreditLoans comes in: instead of having to fill in multiple forms, you can apply with us once and let us do the work.

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How Do Bad Credit Loans on USBadCreditLoans Work?

The idea behind this is that USBadCreditLoans isn't a lender but what is called a "loan originator". This means that we do the admin work on your behalf, saving you time and money. All you need to do is:

  1. Give us a few personal details about your income, where you live, and so on. This can be done online using your phone or any other device.
  2. Wait for our lenders to contact you with their offers. Even with emergency loans, bad credit shouldn't stop you from getting several from which to choose.
  3. Sign a contract with the lender you pick. This will set out how much you need to pay back and when.

Usually, the whole process takes less than 24 hours from visiting the USBadCreditLoans website to seeing the money in your bank account.

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I Need Emergency Loans! Can I Get a Bad Credit Loan the Same Day?

Like we mentioned: same day approvals are pretty common. But due to the way bank money transfers work, you may have to wait until the next business day when your money is actually available.

What may be more important is how quickly you'll know whether or not you've been approved – this allows you to plan your way out of an emergency without making promises you may not be able to keep. As long as you have a few basic documents to hand (utility bill, pay stubs, etc.) this often takes no more than an hour.

How Can I Improve My Opportunities to Be Granted a Loan?

Urgent loans for bad credit can be a lifesaver, but it's a good idea to make sure you can qualify for better personal loans in the future. If you do the following, you will at least be given better interest rates even on loans for poor credit:

  • Earn more with a second job or side hustle,
  • Pay off as much of your debt as you can,
  • Pay bills and monthly loan repayments on time (this automatically boosts your credit score),
  • Ask for a free copy of your credit report and check that all information is accurate.


How much can I borrow for a bad credit loan?

This is partly up to the lender but also depends on the laws in your state. You could be restricted to borrowing only as little as $50, but loans of up to $1,000 may be available to you.

Is a credit check necessary for bad credit loan lenders?

Loans with no credit check and no collateral are very rare except if you borrow from friends and family. Almost all financial companies run some kind of credit check before deciding whether to approve your application.

What are the risks of borrowing bad credit loans?

All USBadCreditLoans' lender partners are legitimate companies, so you're protected by your contract with them. Loans for poor credit typically have very high interest rates, though, so there is a danger of your debt growing to an unmanageable size if you don't keep up with the payments.

How to improve my credit score?

Your credit score is a snapshot of how responsible you are with your finances. This means that paying your bills on time, not taking on too much debt and paying it off steadily, and generally not spending more than you can afford all raise your score.

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Find a Bad Credit Loan Easily with the Help of USBadCreditLoans!

Looking for an affordable bad credit loan can be exhausting. What you need is a partner who understands how things work, so call on USBadCreditLoans to spare yourself some aggravation.

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