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Best Bad Credit Loans Guaranteed Approval In 2022: Top 5 Lenders For Installment Loans At Best Mortgage Rates

·26 min read

Loans For Bad Credit

Glendale, California --News Direct-- Blue Ribbon Group

A bad credit score makes it tough for an individual to find a low-interest rate loan. Moreover, a bad credit loan with guaranteed approval is normally regarded as a loan that charges excessive fees though it is not the case for every lending partner. When having a poor credit score and applying for a conventional loan, the process can be lengthy and more time-consuming.

We listed the best Bad Credit Loans with Guaranteed Approval lending platforms to link you to the top best lenders who will not bother about your poor credit scores. You will have your quick loan request approved and money deposited within 24 hours. Moreover, lenders on these lending platforms have friendly loan terms, and their interest rates are reasonable. All you have to do is satisfy the platform's eligibility requirement and meet the lender partner's conditions. Moreover, lenders from these platforms are trustworthy and legit. There are no scammers who will charge you an extra fee afterward without your knowledge or insist that you sign the loan offer without going through their terms and conditions.

Top 5 Online Payday Lenders For Best Bad Credit Loans Of 2022:

  1. MoneyMutual: Overall Best Online Lender For Bad Credit Loans

  2. BadCreditLoans: Top Lender For Online Loans With Bad Credit Score

  3. RadCred: Get Best Mortgage Rates On No Credit Check Loans

  4. Funds Joy: Best For Instant Approval On Quick Loans

  5. CashUSA: Popular Lender For Instant Cash Advance Loans

Here are the detailed reviews of our top picks:

#1. MoneyMutual: Overall Best Online Lender For Bad Credit Loans

MoneyMutual offers the simplest way to get a short-term loan in 24 hours, making it one of the best bad credit loan platforms. At MoneyMutual, all you need to fulfill is above 18 years old and have a stable monthly income of at least $800. Furthermore, you must also have an active bank account and be a US resident. MoneyMutual is proud to have served over two million lenders since its establishment. Likewise, the platform is a proud associate of the Online Lenders Alliance (OLA), which sets the best standards and practices for online lending businesses. MoneyMutual works in three simple steps. These include filling out an online form; the lending partner will review your details, and finally accessing your funds.

You will need to fill in your personal and financial details on the form, and it normally takes five minutes to complete. You should not worry about your information safety since it is fully protected using AES-256 bit encryption. Further, they have integrated a trusted site that scans the website every time to detect risks.

After submitting your application form, lenders on the platform will instantly review your details and determine if they will work with you or not. Moreover, you will be redirected to the lending website, where you will fill in the forms from their end. Remember, it is here where you will review the loan terms and check if they are favorable or not. Lenders will mostly communicate with you through text messages, phone calls, or email to confirm your details and complete your loan application process. After that, you will get your requested funds right to your bank account within 24 hours. At MoneyMutual, you can get a loan within $200 to $5,000.


  • Borrowers get in touch with lenders through the platform

  • The application process is completed in three steps: providing your details, lenders reviewing it, and getting your money.

  • Short-term loan funding is up to $5,000

  • The funding is within 24 hours

  • Quick approval time

  • More loan types are available

  • People with bad credit scores can apply


  • Simple and fast application process

  • Trusted and experienced company

  • Money deposit is within 24 hours

  • $5,000 short term loan available

  • No hidden charges

  • Easy to navigate website

  • More online lenders are available

  • Provides a secure platform for transactions


  • A monthly income of at least $800 is more

  • Not available in all states

Customer Reviews

Borrowers agree that MoneyMutual operates as advertised as it links them with lenders who offer them short-term loans even with bad credit scores. Further, most customers are happy since the platform is transparent, has varieties of loans, and has several lenders. Other users are pleased with the exceptional customer service offered by the brand. The loan application process is fast and simple.

=> Click here to visit the official website of MoneyMutual

#2. BadCreditLoans: Top Lender For Online Loans With Bad Credit Score

For those looking for a personal loan of $10,000, BadCreditLoans is the best option to work with. It has been in existence since 1998, and they specialize in linking you with the best lenders that offer reasonable interest rates for your loans. All services at BadCreditLoans are free; hence no reasons for not checking if you are eligible for a loan.

BadCreditLoans works in a straightforward process. It only takes a short time to get a lender with the best rates. Moreover, you need to fill in your details and the loan amount you need. After submitting your information, it will be presented to lenders. Despite a bad credit score, those interested in working with you will send an offer. After reading the terms and conditions, you can accept the lender with more friendly terms.

The lender will ask more in-depth questions about your financial history and how you will use the loan. You can be eligible for a loan even with a minimum credit score. To apply for a loan, you need to be above 18 years, be a US citizen, and have a regular source of income. Further, you need to have an active checking account, a valid email address, and a telephone number.

Loans from the BadCreditLoans platform can be used for various purposes. These include home down payment, home improvement, vacation, medical expenses, education, starting a business, etc. Products offered by BadCreditLoans include personal loans, business loans, credit cards, student loans, home loans, mortgages, and auto loans. Personal loan APR rates range from 5.99% to 35.99%, and the actual rate depends on the lender.


  • Allows deals comparison

  • Has several loan varieties

  • Loans of $10,000 are available

  • Quick money transfer

  • Will entertain people with poor or bad credit scores

  • Follows strict privacy and security measures

  • Straightforward application process


  • Quick loan funding

  • Multiple lenders are available, saving your time and energy

  • 24/7 customer assistance is available

  • Protects user's details

  • Allows borrowers with bad credit

  • Requires no collateral

  • The application process is free

  • Has competitive APR

  • The website is informative


  • APRs may be high, though, depending on the lender

Customer Review

Customers are glad since applicants' credit histories do not determine the approval process. Additionally, 24/7 customer assistance helps users get their queries answered immediately. Also, it only takes a few minutes to fill out the form.

=> Click here to visit the official website of BadCreditLoans

#3. RadCred: Get Best Mortgage Rates On No Credit Check Loans

RadCred lending platform is among the best online loan marketplace for every person that requires a same-day loan with instant approval minus credit check. The platform was launched in 2011, and since then, it has grown to be among the most reputable and established online marketplaces. In addition, this online lending platform partners with reliable and trusted lenders who are ready to provide you with the loan amount you require.

All the services at RadCred are free of charge, and the loan application process is quick and straightforward. You will start by filling out your basic details, including your zip code, name, email, address, military service status, and birth date. They will have a look if you have at least a minimum credit score. After that, you will state why you need a loan and the amount you need. Moreover, your SSN, bank information, and driver's license details will also be required.

It is a perfect place for new loan borrowers since every step is clear. Immediately the loan application process is done, it takes a few minutes to start getting a bad credit loan with guaranteed approval offers. Besides, with RadCred, you will have a loan amount between $1,000 and $35,000, and the repayment period is within 3 to 72 months. Moreover, the loans come in various kinds, including peer-to-peer loans. Loans from RadCred have an APR which ranges from 5.99% to 35.99%. RadCred will ensure that you get the loan help you require by linking you to other potential lenders. Moreover, they can also direct you to other parties who provide credit-related services, including credit restoration and debt relief.


  • Different types of loans are available.

  • Loans in the range of $100 and $10,000 are available

  • The application process is fast

  • Funds are deposited within 24 hours

  • Protects all user's data

  • You can apply even with a minimum credit score


  • Best platform for getting a short term loan

  • The loan application process is simple and convenient

  • Has competitive interest rates

  • Loans for different purposes are available

  • Protects users data

  • Superb customer assistance

  • Multipurpose loan available


  • Huge loan amounts have higher APRs

Customer Reviews

RadCred utilizes SSL encryption to protect users' details, and users are happy with that. Further, borrowers are glad that the platform will try with all means possible to get the bad credit personal loans you need by linking you to third parties. User support at Radcred operates 24/7, ensuring that customers will have a smooth experience on the platform. Above all, borrowers will get educational materials about financial matters on their websites.

=> Click here to visit the official website of RadCred

#4. Funds Joy: Best For Instant Approval On Quick Loans

Funds Joy platform links borrowers that require personal loans to lenders. The loans available on this platform range from $200 to $5,000. The Funds Joy application process is made to be as simple as possible. You will need to submit a request which takes ten minutes or less to be completed. After filling in some information, you will click the "Get Started" button to start an online application.

Moreover, you will receive multiple offers. Find the lender you will operate with depending on their fees, interest rate, and total loan cost. However, the loan approval and interest rate will depend on your credit score and repay period. After completing that, you can sign an agreement and be ready to use your money.

Most lenders will deposit your requested funds directly into your account. The process normally takes about one business day to be completed. Immediately you get the funds; you can spend the way you want. Funds Joy borrowing terms include being a legal resident of the US, being 18 years older, and having a stable income source. Moreover, the information you need to provide includes your name, your social security number, and contact information.

Lenders at Funds Joy help consumers in setting up auto repayments. Due to this, they will boost their poor credit score and save money. Still, more lenders at Funds Joy offer loan payback extensions that protect borrowers' credit scores. To get an extension, you need to contact your lender.


  • Several loan options are available

  • Quick application process

  • The site is secure and safe

  • Quick responses from lenders

  • Loan of $200 to $5,000 available


  • Application services are free

  • Protect user's crucial information

  • Loans of $5,000 are available

  • The application process is easy and fast

  • A bad credit score does not determine your application

  • Accessed through a mobile device or a PC

  • No hidden charges


  • Late payments lead to a lower credit score

Customer Review

Funds Joy is a top-notch option for every person that requires quick and safe funding. Further, people are happy with the superb customer support team, who are always available to help. Generally, Funds Joy is a legit brand that offers an effective and rapid loan process.

=> Click here to visit the official website of FundsJoy

#5. CashUSA: Popular Lender For Instant Cash Advance Loans

Searching for a personal loan of $10,000 from multiple competing lenders? Check out CashUSA. This brand has been around since 1997. Since then, they have specialized in getting you the best lenders with the best rates for your loans. Moreover, CashUSA does not charge anything for linking you with the lenders. This company uses an extended network of reliable and trusted lenders.

With CashUSA, you will get educational resources on their website to keep prepared and well-informed. The loan application process at CashUSA involves filling out an online form. After completing this, they will submit the details to lenders, and you will receive offers from interested parties. To start the application process, fill in your zip code, the last four numbers of your SSN, and your date of birth to confirm you are above 18 years.

After that, you will fill out more information, including your bank account and work details. Completing this application takes only a few minutes. Nevertheless, CashUSA will send your loan request to lenders that only match your needs. With Cash USA, you will get a Bad Credit loan with guaranteed approval of as low as $500. These loans come with various APRs, which vary from 5.99% to 35.99%.

Privacy of customers' details is crucial, and that is why this company uses the best encryption technology. With this, all the details will be safe from any unauthorized access. Likewise, CashUSA provides a smooth loan repayment process. Lenders auto deduct their cash from your bank account when the date is due. Moreover, if you have no funds in your account, the lender will contact you to arrange how you will make payments. You can request an extension if you do not have money to complete the payment.


  • Quick funding within 24 hours

  • Simple repayment procedure

  • Suitable loan terms

  • Excellent education center

  • Improved and new encryption tech for safety

  • Convenient eligibility criteria

  • Loan amounts of up to $10,000 are available

  • A funds transfer is direct to customers' accounts


  • Fast loan disbursement

  • Convenient repayment

  • Repayment deadline extension allowed

  • Quick responding customer service

  • More lenders available in the network

  • The best protection for user details

  • Suitable for both long and short term loans


  • High-interest rates charged when having a low credit score

Customer Experience

Borrowers love the smooth and fast application process involved. Moreover, others are happy since they can get huge loan amounts. In addition, the interest rate and the repayment options are flexible at CashUSA. You can use loans from the CashUSA platform in any way you like- they will not monitor you. Also, the company's website is simple to use.

=> Click here to visit the official website of CashUSA

#6. PersonalLoans: Low Interest Rates On Personal Loans

The PersonalLoans lending platform started with a mission to offer borrowers a suitable and simple way to get a personal loan. This brand achieves this by linking the borrower with multiple lenders who offer loans at a competitive rate. The eligibility requirements of PersonalLoans differ depending on which loan kind you will select. Some of the general conditions include residency and age status. The applicant must be 18 years and above, have a legal SSN, and be a legal US citizen. Moreover, with PersonalLoans, borrowers can make a loan request within $1,000 to $35,000.

Moreover, if none of the lenders are ready to work with you, the company will link you to another networked third-party lender. Remember, PersonalLoans does not charge anything for connecting you with loan lenders.

With this Utah-based brand, it does not matter the purpose of the personal loan. You can use it for different purposes, including medical bills, car repair, starting a business, or house renovation. In addition, their loan application procedure is simple and quick by filling in your basic details in an online form. Due to its transparency in its operations, PersonalLoans have gathered the trust of thousands of customers. You are free to submit your loan request anytime, any day.

After filling in your details, a potential lender will have your details, and you will receive loan offers from those that are willing to work with you. Check their terms and conditions and go with the lender who offers the best interest rate. After accepting their offer, you will receive your funds in your bank account within 24 hours. You will get the highest personal loan amount even with the lowest credit score with this platform.


  • Simple and fast application process

  • Allows loan offers comparison from several lenders

  • The platform protects all users' information

  • A maximum loan limit of $30,000


  • Easy and flexible payment terms

  • No hidden fees

  • A loan of $35,000 is available

  • Quick and simple application process

  • Well secured platform

  • Longer repayment periods of up to 72 months

  • Loans are at a competitive rates

  • Multiple loan offers

  • Personal loan specialists

  • The website is simple to use and navigate


  • Not available in all states

  • More eligibility requirements

Customer Experience

Borrowers are glad about the customer service offered by PersonalLoans. If you have a query or require more details about the bad credit personal loan they offer, you can easily reach their customer support team via phone or email. In addition, customers are not afraid of the security of their details since the company uses advanced safety measures.

Factors to Consider When Seeking Instant Approval Of Bad Credit Cash Loans:

Before deciding which personal loans lending platform and lender to use, you should weigh your options well. There are a lot of scams out there that have very attractive offers to entice you. Below are some factors to guide you in your selection:

  • Interest Rate and Annual Percentage Rate

Interest rate is the first thing you should check out before getting into a deal with any lender. Very high interest rates do not sound good to borrowers. Always ensure that the cited interest rate matches your loan repayment ability and total interest payments as a borrower. Further, a borrower's interest rate depends on numerous criteria. It includes your credit score, total loan amount, and loan repayment time. Thus, as a borrower, go for loans with low interest rates and shorter repayment periods. Moreover, you should also check out your yearly percentage rate. It is the rate after the platform, or the lender charges additional costs. The charges can include maintenance costs and other things.

  • Brand Reputation

Several brands claim to lend loans. Remember, scammers are everywhere, ready to exploit you, especially during your financial needs. Hence, before you accept any loan offers, you should check the company's background and ensure it's licensed. Interest rates for unlicensed lenders are normally excessive since they are not under regulations. Further, you should also check consumer reviews to determine the company's reputation. A good company should be open to its lending policies and terms and be in the loan agreement.

  • Repayment Methods

Several lenders offer different repayment approaches to make it simpler for borrowers and to ensure that they get all their cash back together with interest. For example, the automatic payments method is convenient for both the lender and the borrower. It can help improve your credit score and prevent penalization for late payments. Other payment methods are mailing checks or online payments using your banking details. Before choosing a lender, ensure that they have the payment option you prefer.

  • Eligibility Requirements

In most cases, lenders who offer loans without considering your credit score normally assume your credit score is 500 and above. The maximum debt to revenue ratio should be 45%. It refers to the amount you owe every month and the amount you're earning. Normally, lenders need borrowers to have a stable income to cover their poor credit. Further, other lenders may require additional requirements like minimum annual income to operate with you.

Moreover, other lenders will consider your employment and the amount of money you earn for them to offer you a loan. Likewise, others will check your financial status and your savings. Other bad credit loan companies may need a co-signer. You will have a better interest rate if the co-signer has a good income or good credit. However, if you will not pay the loan, they are supposed to do it on your behalf.

  • Penalties and Fees

Origination, returned check, prepayment, processing, insufficient funds, and late fees can all be on your loan. An origination fee is charged for the lender to process your loan. However, not all direct lenders charge it, but those who do normally charge 1% to 6%. It can be together with your loan or charged separately.

The prepayment penalty fee also depends on the lender. If not careful, this fee can wash away all your savings. This fee is normally a percentage of the remaining balance or total interest charges for some months.

The late fee is for late payment. However, some online direct lenders will give you a grace period though you have to communicate earlier. Late fees are not cheap, and others can go up to $30. Other lenders charge a portion of your loan payment.

Process of Getting A Bad Credit Or No Credit Check Loan:

It would be best to be well prepared and informed before starting your experience with bad credit check loans with guaranteed approval. All the lending platforms on our list have educational resources at their sites. It will keep you informed on these loans, how to spend them, and other details.

A bad credit loan with guaranteed approval remains the best option for people to cater to their emergency needs, especially those with a low credit score. Before deciding which direct lender to work with, you need to follow specific steps.

  • Know Your Credit Score

Check your credit score before completing your loan application with any direct lender. Check if there are any errors and correct them. It can raise your credit score, saving you from being charged higher interest rates.

When making a loan request, the bad credit payday loan lenders will use your credit report to check if you will be able to repay your loan. It is good to check your credit score earlier, like three months before making a loan request. It will give you ample time to fix errors, if there are any. Moreover, to improve your score, you should pay a credit line past 30% of the limit or pay a loan that has reached collection.

  • Determine Your Budget

Decide on the loan amount you need to request. Next, get a plan to know how you will make all the payments on time. Moreover, ensure that your budget will account for your necessities, including food, transportation, housing, etc. As you decide the amount of money to be paying every month, remember the longer you take to repay the loan, the more the interest you will pay. In addition, also consider other loan fees that are available.

  • Check Interest Rates

Higher interest rates are never favorable to any borrower. Thus, you need to check every interest rate lenders offer and choose the favorable one. Several online personal loan lenders can pre-approve you, enabling you to see what interest rates are offered.

Pre-approval is the best way to compare bad or no credit loan interest rates and terms before deciding which to work with. More online lenders will quote their interest rates at money lending sites. Hence, deciding which online lender you will choose will be simpler.

  • Watch Out for Frauds

There are several scammers online, and all they need is to take all their money. Sometimes it is hard to know who is a scammer and who is not. However, in most cases, scammers will push you to accept their offer even before you check on their terms and conditions. Moreover, others will ask for fees even before signing and accepting their offer.

Others will contact you continuously; they do not care about your payment history and request you to pay through a prepaid credit card. Before getting into a deal with the lender, you can ask for a license to prove they are legit.

  • Make Timely Payments

To avoid penalties and other charges, you must repay your loan before the deadline. Bad credit loans with guaranteed approval already have higher interest rates. Adding a burden on top of the other will make things difficult.

Bad Credit Loans Alternatives For Bad Credit Borrowers:

Do you have a poor credit score but need money to cater to your emergency loan needs? You need to go for the best alternatives available. Apart from lending from an online lending platform, there are other best alternatives that you should opt for.

  • Ask for an Advance

Asking your employer for advance payment is one of the best alternatives to remain debt-free from lending organizations. Moreover, you will get the amount you need though it will be less than your salary. This way, you will not pay any extra costs, and you will repay what you borrowed.

  • Borrow From Those Close to You

Those who know and understand you can turn out to be helpful in hard times. When an emergency occurs, you can request your friends or relatives to sort you out. You should all agree on when you should repay the money. Stick to the agreement so that your good relationship will remain. Moreover, if you always repay your debts, they will always be ready to assist.

  • Start a Side Hustle

A side hustle will always give you extra cash, which you can save to help you in times of emergency. However, aside should be something you are good at and something you love. It can be selling coffee, delivering pizzas, doing freelance, etc.

  • Budgeting

Buying what you need will help in saving your cash. There can be no buying of food or clothing except if necessary. Moreover, it would be best if you also avoided spending on luxury or unnecessary stuff. There is no cable TV, no internet, and no Netflix when the budget is extreme. When you save the little cash you get from budgeting, it will help when there is an emergency.

  • Collateral Loan

If you need the money, you can make arrangements like selling what you do not need. Further, you can also take some of your luxurious items to a pawnshop to act as security as they give you a loan. However, when you cannot pay the money, they will sell your products to repay themselves.

  • Fixing Credit Score

Taking some time to improve your credit score will be advantageous since, in the future, you will be able to apply for an average loan that has lower interest rates and fees. To improve your credit score, you should pay your bills on time.

  • Debt Relief Loans

This kind of loan will help to pay off your existing debt. Get a loan from a debt relief company with better interest rates and favorable repayment terms.

FAQs Regarding Bad Credit Cash LoansQ1.Can one improve their credit score?

Yes, you can raise your credit score to be better. However, you need to keep track of your debt and financial history. You have to pay your debts before the deadline; it is one of the best methods of improving your credit score. Further, it will also create trust and strengthen your confidence.

If you cannot repay your loan on time, you should call your lender and discuss having a new repayment deadline. This way, your credit score will not be affected. Otherwise, your credit score will decrease, interfering more with your financial record.

Having regular work consistently will help you repay your loan as required. Further, a good job will cater to your needs hence chances for borrowing from organizations will be reduced, and your credit score will remain safe. Moreover, you can also ask for tips and advice from friends with high credit scores. It will also help improve your score when you practice what you learn.

Q2.What is an Annual Percentage Rate (APR)?

Annual Percentage Rate (APR) refers to an interest rate you should pay on loan every year. It includes the nominal interest rates, loan levies, and fees. The kind of loan you take determines your APR. For instance, personal loans range from 4.99% to 450%, whereas installment loans rates range from 6.63% to 225%.

When your loan application is approved, the lender will send an offer including the fees, repayment terms, and the APR. You should read all the terms carefully, assess every advantage and disadvantage, and be fully informed to know what you are getting yourself into.

The lender you select determines the APR, and you can bargain with them. Other things which determine your APR include your credit score, monthly income, credit history, and further details.

Q3.Are bad credit loans with guaranteed approval expensive?

Borrowers pay more when borrowing substandard loans or loans which do not need a soft credit check. A secured loan with good credit ratings is normally cheaper. Bad credit loans with guaranteed approval are expensive because the lenders take a higher level of risk to lend to borrowers who have poor credit ratings. Having a poor credit rating means the borrower's chances of repaying your loan are minimal. You can compare interest rates before accepting the offer.

The lender will not be certain if they will receive repayments of loans they give to individuals having poor credit ratings. Due to this, the lender will charge more interest rates on this loan type than on those with a higher credit score. In addition, fines and penalties due to late loan repayments are also higher on a bad credit loan, unlike with good credit loans.

Since bad credit loans with guaranteed approval are unsecured loans, they are high-risk loans. Thus, the make-up for this is charging very high fees and interest rates. However, you will avoid these extra fees when you make timely repayments on this kind of loan.

Q4.What interest rates should one expect on bad credit loans with guaranteed approval?

You are considered a subprime borrower when your FICO score is below 670. Moreover, when your FICO score is below 580, your score is regarded as very poor. Every lender will set its criteria depending on loan approvals and pricing. Due to this, it will be a bit hard to tell what the interest rate or APR will be on bad credit loans with guaranteed approval. However, interest rates charged on personal online loans range from 5.99% to 35.99%.

Wrapping Up: Applying For Fast Approval Of Bad Credit Loans

Despite having a bad credit score, you can still get a bad credit loan with guaranteed approval to cater to your financial needs. Some of them even tie up with credit unions to make the process easier. Some general requirements are needed to get payday loans via either of the platforms.

You can apply for a debt consolidation loan & bad credit loans with guaranteed approvals despite poor credit ratings. It can be house renovation, car repair, medical bills, school fees, etc. You will get reliable lenders ready to work with you with either platform listed above. All you need is to fill in the basic details required in the form. Then they will send the details to the lender's network, and after a few minutes, you will receive offers. Also, compare interest rates and accept the bids with favorable terms and reasonable interest. After that, you will have your money in your bank account within one business day.

Contact Details

Riya Tyagi


View source version on newsdirect.com: https://newsdirect.com/news/best-bad-credit-loans-guaranteed-approval-in-2022-top-5-lenders-for-installment-loans-at-best-mortgage-rates-535026713