Best Bad Credit Loans With Guaranteed Approval 

Top 4 Online Loan Lenders Of 2022


We all have gone through a financial crisis at some point in our lives. Either because of an illness, or unemployment, or whatever the real reason is. And we should never be ashamed to look for a solution. Moreover, never be ashamed to look up for options to get a loan. 

You should be very cautious about who you rely upon, as not every lending company on the internet is legit and reliable. Therefore, to ease up the process for you, we have compiled a list of the best bad credit loans with guaranteed approval you can check on.

All platforms mentioned below are safe and secure to use, and their lenders will give their best to come up with a solution for your financial struggles.

Top 4 Best Bad Credit Loans With Guaranteed Approval:

The five best Bad Credit loans with guaranteed approval that you will find on our list are:

  1. MoneyMutual – Overall Best Bad Credit Loans With Guaranteed Approval
  2. BadCreditLoans – Trusted Loan Lenders For Bad or No Credit Check Loans
  3. – Top Loan Company For Bad Credit Loans Online
  4. PersonalLoans – Instant Approval Of Personal Loan & Bad Credit Loans

Here are the detailed reviews of our top picks: 

#1. MoneyMutual – Overall Best Bad Credit Loans With Guaranteed Approval


Brand Overview

MoneyMutual is considered as one of the best personal loan providers for bad credit loans currently on the market, and with a reason. It has an extensive network of lenders that provide short-term personal loans to borrowers with the funds deposited to their accounts within 24 hours.

MoneyMutual inception started in 2010, and ever since then has gained an excellent reputation in the industry. With over 2 million customers, it is for sure the best lending company. The company is legitimate and has gained customers’ confidence since it has helped them acquire money whenever they need it.  

MoneyMutual provides many options for different types of loans; however, as we mentioned, it is a leading company in the provision of bad credit loans. All its lenders are specialized in the field, with extensive experience, and have the perfect offer that will align with your current needs. 

Lenders provide short-term secured personal loans to provide you with solutions for your financial problems. That way, you can put aside all your worries. Don’t worry, as you’re in the right hands and will get excellent financial assistance. And more importantly, you won’t be disqualified if you have a bad credit score.

Do you need bad credit loans with guaranteed approval? MoneyMutual will arrange it all for you. You will get the fund transfer to your bank account in less than a day. Once transferred, they are immediately accessible and can be at the exact moment withdrawn from the account. You will get relief from all the stress and worries, which will undoubtedly help your quality of life. 


MutualMoney has a straightforward application process. First, you will have to go to the website if you want to apply for a loan. The website is easy to navigate through; therefore, you shouldn’t have any difficulties during the application process. The next thing you should do is complete the pre-qualification form, which requires your personal and financial data. Once you’ve provided all the necessary information, your application will start processing. MoneyMutual will then share your application with the network of lenders that has. 

Every lender that will come up with an offer has its own set terms and conditions. The terms and conditions will include information concerning the interest rates, the loan payment period, repayment amount, etc. However, before you agree on and accept any terms and conditions, read them in-depth to avoid any misunderstandings. After you agree on them, then the deal is done and finalized.

It is essential to know that MoneyMutual doesn’t play a role in the lenders’ set terms and conditions nor takes any responsibility. MoneyMutual just establishes the connection between you and the lender. Afterward, all arrangements and deals are made with the lenders.

MoneyMutual is considered as one of the best lenders of bad credit loans. That means that you won’t be disqualified if you have a bad credit score. MoneyMutual will help you in the most challenging times and, therefore, will consider other factors to determine your eligibility. However, this may refer to higher interest rates that would apply, but of course, if you have a steady monthly income, that should not cause any problems.


  • Known for its outstanding reputation
  • Best personal loan provider for bad credit
  • Over 2 million satisfied customers
  • An extensive network of over 60 available lenders 
  • A fast and easy application process
  • Money is transferred within 24 hours
  • User-friendly website


  • MoneyMutual provides personal loans only to U.S. citizens
  • MoneyMutual doesn’t take responsibility for the loan
  • High interest rates may apply

Customer Experience

The number of loyal customers exceeds two million, and it tells us nothing more than the great job MoneyMutual does. All customers were satisfied by the services MoneyMutual offers. The lenders were ranked as very experienced, specialized in the field, professionally-oriented and reliable. 

Customers were delighted with the quick and easy application process MoneyMutual has. The lenders contacted them quickly, and the funds were deposited into the borrower’s account within 24 hours. The fast money transfer has helped customers to overcome their urgent financial struggles.

MoneyMutual has assisted the customer when many other close friends and family have turned their backs on them. Their bad credit score didn’t play a role, and they were granted a loan very quickly. This is one of the many reasons why customers choose MoneyMutual. 

⇒ Visit the Official Website of MoneyMutual

#2. BadCreditLoansTrusted Loan Lenders For Bad or No Credit Check Loans


Brand Overview

BadCreditLoans is another company that we have on the list. You need money urgently, and yet you have no one to knock the door on? BadCreditLoans is the perfect match for you. It will offer you the right solution when you are in an emergency and will provide you with the money when you need it the most. BadCreditLoans lenders will never look into your bad credit score nor will they be interested in your credit history at all. 

Go to the BadCreditLoans website and make the first step by applying for a loan. You have to fill in the application form with your basic and financial information to do so. Upon your application submission, it is being shared with the network of lenders that BadCreditScores has. Lenders will review your application and will make you a corresponding offer.  

If a lender contacts you, that means that your application is approved. But know that you have to choose it wisely. The terms and conditions tell you all concerning the loan you may eventually agree on. You will obtain information concerning the interest rates, the payment period, payment amount, etc. Go carefully through all terms and conditions that the lenders set prior you finalize the deal. Otherwise, there won’t be any negotiation afterward.

All lenders are reliable and experienced; therefore, you should not fear that lenders will come up with inadequate offers. They’ve had many other clients before you, so they know what you struggle with. However, bear in mind that the interest rates may be higher than expected, and be prepared to pay a little extra if you want to get a loan.


First thing first, if you need to apply for a loan, BadCreditLoans requires you to have at least 18 years. A steady monthly income and some proof of current employment are a must. It is a kind of guarantee you give to the lender that you will make your loan payment on time. However, at least there isn’t any requirement with a set range of a minimum salary amount.  

The application process is very straightforward and will take you only a couple of minutes. Fill in the form with the required information. You will also have to provide a valid bank account in your name, your phone number, and an email address. A U.S. citizenship is a must; otherwise, you won’t be eligible to apply for a loan. If you go to the BadCreditLoans website, you will find all the necessary information without opening the application form. That way, you will know if you have on hand all the required information. 

BadCreditLoans are the most accessible and fastest when you need money urgently. Specialized in the loan industry, it is one of the best money lenders when we speak about providing bad credit loans with guaranteed approval. Their personal loans go from $500 up to $10,000, and money is deposited into your bank account within 24 hours.

Plus, all your data that is shared through this platform is safe and secure. The platform has security measures, such as encrypted systems and data servers that adhere to privacy laws. Therefore, the chances for any data leakages are minimal. Unauthorized personnel will be able to neither access nor share your data, both personal and financial.


  • More than two decades into the business
  • Experienced and reliable network of lenders
  • Additional fees are not implied
  • Privacy and security measures in place
  • Straightforward application process
  • Money transfers are made within 24 hours
  • A minimal salary range is not set


  • More personal information is required
  • Only available to the U.S. citizens

Customer Experience

Customers were delighted with BadCreditLoans services. They indicated that the platform has excellent customer care service. Moreover, the lenders are very experienced in the field and will make you an excellent offer that aligns with your needs. Additionally, the money deposit was made very fast—in less than two business days. 

Customers found the application process very easy and simple, so they needed just a couple of minutes to have it all done. What has drawn their attention is the privacy and security measures that BadCreditLoans  has. The customers felt confident to provide their personal and financial data knowing that the same is protected.

Therefore, if you are looking for a lending platform that undoubtedly will assist your financial needs immediately, BadCreditLoans is the right choice. Don’t wait any longer, and visit their website to find out more regarding their services. 

⇒ Visit the Official Website of BadCreditLoans

#3. CashUSA.comTop Loan Company For Bad Credit Loans Online


Brand Overview is another company that will assist you in resolving your financial struggles. It acts as a mediator between the borrowers and lenders. Therefore, the loan you will obtain actually will come from an affiliated lender. is a lending platform that connects you to an extensive network of lenders just by submitting an application form. The network of personal loan lenders is separate from the platform; the lenders themselves set all terms and conditions, and does not intrude into the process. has been ranked amongst the five best personal loan providers of bad credit loans with guaranteed approval? You’ve heard right, guaranteed approval. Transparency is the key factor for, which brought the best out of the best; outstanding financial services concerning all matters and excellent customer care service. Moreover, lenders are with great expertise and always find the right solution for you. They will bring you such an offer on the table that you wouldn’t want to decline it. 

It depends on the type of secured loan you choose, but the installment payment period varies from 90 days to 72 months. However, keep in mind the high-interest rates that’s lenders imply. We may say that it’s the only flaw out of all the good options that has on hand. 

If you are ready to look out for loan options, do not hesitate and visit In addition, it offers an online educator center that will introduce you to other financial difficulties, for example, debt calculation, credit scores, budgets and prioritization, payback plans, and many more. The platform is free to use, without any charges implied at a later time. 


Every platform has its own remarks. stands out from the other lending companies with their extraordinary financial services and outstanding customer care service. Plus, it has an option to set up automatic payments with its lenders rather than to send checks or use the postal service to process the payments.

Additionally, has an education section that provides you with valuable information concerning other financial matters, such as debt calculation, credit score, credit history, budgeting, etc. And all are free to use, and no hidden charges are implied. 

The application process is straightforward, and the website is very easy to use and navigate through. You will find what you need in a second. After you submit your application, you wait for lenders to contact you. Based on your needs, lenders will make you an offer. You will either accept the offered loan or take time to reconsider. 

Anyway, you are not obligated to do anything. Hence, if you’re not willing to take on the offer, you may still use any of the other financial services that they offer, now or in the near future. All lenders are reliable and very professional. 

To apply for a loan, loan applicants must have at least $800-$1000 monthly income to be eligible. If your income is less, then you won’t qualify for any type of loan. And you must be 18 years old.

All data you provide is safeguarded, thanks to the privacy and security measures that has established. It includes encrypted systems and secured servers where data is stored. That way, reduces the chances of any data breaches.


  • The lenders directly contact customers
  • Different types of bad credit personal loans are accessible
  • Application process is easy and simple
  • Speedy approval
  • Funds are deposited into your account in less than a day
  • Privacy and security measures are established


  • Requires a monthly income of $800-$1000
  • High interest rates

Customer Experience 

”The customer care service is extraordinary,” and “the lenders are people you can put your confidence in undoubtedly,’’ were some of the comments left by the customers. This shows how much the customers are satisfied with’s services. Customers have further indicated that the lenders directly contacted them in a short time. 

The customer care service is available 24/7 and was open at any time to resolve all outstanding questions and misunderstandings that the customers had. Plus, the application process is very easy and simple; the platform is also easy to navigate through.

Money deposit was within 24 hours which is very convenient in terms of emergency money needed. Additionally, customers felt secure using since their personal and financial data is protected and safeguarded.

⇒ Visit the Official Website of

#4. PersonalLoans – Instant Approval Of Personal Loan & Bad Credit Loans


Brand Overview

PersonalLoans is ranked as one of the best online personal loan providers that has expanded its lending network with third-party lenders. It gives borrowers many options to choose from. Many clients do not qualify for standard financing as a result of bad credit ratings due to previous financial troubles. The loans range from $1000 to $35,000. 

When you don’t qualify for a personal loan provided by PersonalLoans network of lenders, affiliated third-party lenders may be able to help you. PersonalLoans will further share your basic loan profile with other accessible lenders who are willing to work with you. PersonalLoans doesn’t charge for this service or any other on their platform. 

However, keep in mind that PersonalLoans is a mediator between the lenders you only and does not assume any responsibility concerning the loan offers or the finalized deals. To find out more information concerning the affiliate program, you can visit the PersonalLoans website. 

PersonalLoans platform is safe and secure for use with lenders accessible 24/7 and an outstanding customer care service. Moreover, the platform offers the highest maximal limit of personal loans for clients with bad credit history compared to all other lending platforms available on the market. All lenders are highly experienced and provide clients with all kinds of financial assistance and support. 

When applying to PersonalLoans, you don’t have to go through an exhausting and everlasting approval period like the banks. The lender directly deposits the money into your account in less than one business day. You just have to fill in the application process with your personal and financial information, and you are all set up in a way a platform should be – simple, straightforward, and fast.


PersonalLoans has partnered with specialized lenders to give you the best personal loan offer even if you have a bad credit score. Additionally, PersonalLoans’ lenders will give you the highest loan ever offered to you. Therefore, if you have a bad credit score or don’t have any credit history at all, do not hesitate to reach out to PersonalLoans.

To apply for a loan, you must visit the PersonalLoans website and submit a loan request. Fill in the application form with the necessary information and wait for your request to be approved. Once approved, lenders will directly contact you and make your loan offers. Every lender will have different set terms and conditions to which you should agree if you want to obtain a loan. 

However, if there are points of the lenders’ conditions that seem challenging for you, ask the lender if there are chances for negotiation. After you agree on the terms and conditions with the lender, you can finalize the deal.

Money is transferred later the next day. PersonalLoans offers the fastest personal money loans compared to the other lending platforms. However, you must have a source of a steady monthly income. The average of the required monthly income depends on the loan amount of loan that you want to borrow. 

Besides bad credit, other types of student loans that PersonalLoans offer are debt consolidation, fast cash, emergency loans, tax and payday loans. Your payoff loan period is calculated based on the borrowed price; it usually goes from 3 months to 72 months in total.

When you anticipate a late repayment of the loan that goes beyond the due date, you can always contact the lender and ask for an extended payoff. Lenders don’t apply additional charges if you are late with the repayment. 


  • Partnered with experienced lenders
  • Affiliate program
  • Straightforward application process
  • Offers highest maximal limit of personal loans for clients with bad credit history
  • The loan amount goes from $1000 to $35,000
  • Privacy and security measures in place
  • Negotiable terms and conditions


  • Applicant must be a U.S. citizen
  • For applicants with bad credit scores, higher interest rates may apply

Customer Experience

Customers were surprised as much as satisfied by the PersonalLoans provided services. They were thrilled with the number of lenders that PersonalLoans is connected to, which never leaves you out of options. Loan submissions were fast-forwarded, and approval was granted in no time. 

Customers found the platform easy to use and navigate through. Application process was simple and easy to do with understandable points. Customers received lenders’ feedback very quickly and made them offers that no one else did. Plus, lenders’ terms and conditions were negotiable, which made the whole loan process less stressful. 

Additionally, with the deployed privacy and security measures, customers were confident to share their data with the platform. They were aware that only authorized personnel could access their data. Overall, customers had left only positive reviews concerning PersonalLoans’ services. 

⇒ Visit the Official Website of PersonalLoans

#5. CreditLoan – Popular Direct Loan Lenders For Quick Cash


Brand Overview

For more than two decades in the industry, CreditLoan has assisted over 750,000 people with providing financial support and budget advice. CreditLoan is the market leader for bad credit loans, and ever since its inception, its goal has been to bring clients the best tips on overcoming everyday financial problems. 

CreditLoan doesn’t overrate your loan request if you have a bad credit score or a bad credit history. Your request will be considered, and only suitable lenders will offer you “an option out’’ for your financial struggles. CreditLoan offers affordable interest rates and provides you with reasonable loan options worth considering.

Overall, lending platforms require mostly the same personal and financial information by the customers. However, CreditLoan differentiates itself from the other lending platforms with their unique offerings with affordable interest rates. The platforms establish privacy and security measures that draw customers’ attention the most; hence, they put their full confidence in the lending platform. 

Customers need assurance that their data is safe and secure and would be shared through the platforms and used for other means. With that said, you can be sure you’re in safe hands since CreditLoan has been McAfee Secure certified and TRUSTe verified. 

CreditLoan promotes free, fast, and secure service with lenders accessible 24/7 and an outstanding customer care service. Its loan offers range from $250 to 40,000 and is the best lending platform for small loans for bad credit. 

Loan acquisition is very fast since the platform connects you directly with the lenders. Plus, CreditLoan provides you with a phone number if you have any inquiries concerning the loan.


CreditLoan is the best option for you if you need a small loan with an affordable interest rate. Same as the other lending companies, the loan process is more or less the same. First, go to the CreditLoan website to apply for a loan. The requested information amongst the lending companies is nearly the same. You will provide some basic information and also your financial data. 

It is amazing how straightforward the application process is. Plus, the platform is very easy to use and navigate through. It is suitable even for people with less knowledge of how the internet works and all its tools. It will take you only five minutes to fill in the application form. The use of the platforms is free of charge.

After you submit the loan request, you wait for its authorization. Lenders contact you directly with loan offers and their terms and conditions. After you agree on the lender’s set terms and conditions, your deal is finalized, and you may expect your funds the following day. The deposit is made in your bank account. If you’re trapped with debts or need money urgently, CreditLoan is the perfect match for you since the loan requests are processed quickly.

CreditLoan is certified by McAfee SECURE and verified by TRUSTe giving customers greater confidence in relying on their personal and financial data. With privacy and security measures employed, customers’ data is safeguarded and cannot be accessed by unauthorized personnel or shared through the platforms. 


  • Market leader for secured loans
  • Straightforward and quick application process
  • Additional charges are not applied at any time
  • Affordable interest rates
  • McAfee SECURE certified, and TRUSTe verified
  • Money is transferred the following day
  • Customers’ data is safeguarded


  • The loan amount is limited to $5000 for bad credit holders

Customer Experience

Customers’ have been amazed by the fast processing of the loan request and the fast approach by the lenders with loan offers. They were satisfied by CreditLoan’s overall services and were very thankful that CreditLoan has helped them improve their credit score by reporting the loan payoff to the credit bureaus. Many companies would have loan offers ranging from $400 and above, but to acquire a lower loan amount is not that frequent.

The platform is suitable for anyone that needs a smaller loan amount, and the interest rates are very affordable. Many customers have already recommended CrediLoan to their close relatives and friends as their services and loan offers are like no others. Plus, the platform has a FAQs section where the most frequently asked questions are spelled out. 

⇒ Visit the Official Website of CreditLoan

Factors to Look for While Getting Bad Credit Loans With Guaranteed Approval

When choosing the right lending platform and the suitable lender that matches our current needs, many factors play a role. Therefore, before you go ahead with your search for the best bad credit lending platforms, consider the following points.

  • Eligibility criteria

The analytical company known as FICO (Fair Isaac Corporation) has set a minimum credit score criteria for personal loans for bad credit. Yet, many companies require that borrowers have steady monthly income as assurance that repayments will be on time. Some companies may even set you a limit of income, while others may forgo this point. Some may go and look at your credit history, but others won’t. Hence, you may ask if you can negotiate any of the criteria. Therefore, look carefully into the eligibility criteria when you apply for a loan. 

  • What interest rates are offered

The vast majority of the lending companies tend to put high-interest rates to make you qualify for a loan. For example, they may lend you a smaller amount of money but will put you at a higher interest rate. Do not get deluded by the interest rates that the platforms offer. All lending companies aim towards enticing ads to collect more customers. Don’t let them fool you, and make it your priority to check on the interest rates when applying for a loan. However, the real deals come after your loan submission is authorized, so be mindful. 

  • Terms & Conditions

When you accept the loan offer, you have already agreed to the set terms and conditions by the lender. To avoid being fooled, pay attention to them and read them in-depth. Make sure that the terms and conditions you sign on are favorable for you. However, if something bothers you, ask the lender if you can negotiate any of the terms and conditions that are not convenient for you and create some balance. 

  • Other charges

Some lenders may apply additional charges, such as payment in advance, late payments, inadequate funds, bounced checks, processing fees of transactions might be some of them. In total, the fees may vary from $1 to $6 for a loan. The fees typically vary per state and lender. 

You should always check on what your allowance is. Some lenders may charge you for the late payments, but others may give you an extended payment period of additional 10-15 days before they charge you a fee. Late fees typically go from $15 to $30, again depending on the lender and the state. However, some lenders may not even charge you for late payment.

Step by Step Guide: How to Get Bad Credit Loans with Guaranteed Approval?

Do you have a bad credit score, and hence, you fear applying for a loan? It always takes good preparation and the ability to bargain to pass the qualification. Take a look into your credit history and the available assets to pay off the loan. Then, look for deals that will ideally suit you and have the best possible terms. 

Step 1: Access Your Credit Report

We can always do better; we just need a little bit more preparation. Therefore, go into your credit report and check for points that you can improve. Look for any flaws and address them. This way, you may be entitled to low-interest rates. 

Many times, your credit history is the key factor in getting a loan. Based on the credit history, the lender will anticipate whether you’ll be able to pay off the loan or not. It is recommended that you check your credit history at least three months before you intend to apply for a loan.

Step 2: Make a Target and  Plan Well

Set a target of how much money you will need to borrow and make a plan to execute all monthly payments on time. You should plan your budget, and that includes all savings, expenditures, debt payments. All these go additionally to your loan repayment. 

Do the maths on how much you can monthly put aside to pay off a loan, finalize the loan, and all in a timely manner. Bear in mind that long-term personal loans for bad credit impose higher interest rates.

Step 3: Check the Interest Rate

Pay attention and be mindful whenever you check on the interest rates. Sometimes, companies may draw your attention with ads of low-interest rates, but the reality may be different. Always be careful about how you read these ads. Moreover, read carefully the terms and conditions that the lenders have set since many times they address the interest rates there. 

Step 4: Watch Out for Scams

Don’t let them fool you! If you are new to this, it would be easier to set you up. Keep this in mind, credible and reliable lenders would be interested in your credit payment history. If they do not ask you anything concerning it, don’t trust them easily. If it is a fraudulent lender, they will keep contacting you constantly. So, be cautious!

Step 5: Plan Your Payments Wisely

It is your duty and obligation to make your payments on time. That way, you will avoid getting any penalties, fees, and negative points on your credit report, as well. If you get additional charges, the loan’s actual cost will rise, which means the interest rates you’ll be paying will be higher.

Alternative Bad Credit Loan Options

You didn’t seem to qualify for bad credit, and it looks like you’ve run out of options? Never lose hope; you never know when your lucky time is. 

Here are some of the best alternatives on how to get a loan:

  • Improvise

Let your imagination work. Think of any possessions that you don’t need but may take the benefit out of them? For example, if you have assets that you might sell and get some cash that you may use promptly. At the moment, this may be the best choice for you.

  • Take Help from Your Employer

If you’re on good terms with your employer, you may ask for some cash in advance against your salary. This type of short-term borrowing may save you from trouble, especially if you need money urgently.

  • Borrow an Amount from Your Closed Ones

Sometimes, even if we do not want to, it is the only option left that we have. Knock on the door to your relative or a close friend and ask them if they can lend you money for a set period of time. Consider you’ve borrowed the money from a moneylender with all set terms and conditions, timely repayments, interest rates, or any other charges. Keep in mind that if you do not stay to your deal, you may ruin your relationship, and surely you wouldn’t wish for that.

Conclusion – Best Personal Loans For Bad Credit

Even if it seems impossible to get a loan when you have a bad credit score, remember that there is always some brightness in the darkness. And the companies we have mentioned above are the brightness in your life that will help you overcome your financial problems. Don’t be afraid to ask for the money when you need them the most. Don’t wait any longer, and check which lending company suits you the best.

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