Guaranteed Payday Loans For Bad Credit

A Trick Of Shady Lenders or Magical Financial Tool?

BadCreditBear offers payday loans with guaranteed response! Do you need money fast? Then let's get started!

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Certain limitations apply. Loans are subject to approval by the lender. We don't offer no credit check loans. Payday lenders make alternative check credit. Read our Term of Use, Privacy Policy, Responsible Lending Policy before submitting personal details.

Payday loans provide an expensive financial support. The APR ranges from 220% to 1390%. We promote responsible use of any loan products. All customers are free to submit an online application.

Do Guaranteed Loans For Bad Credit Exist?

Guaranteed Approval Loans For Bad Credit

Have you ever come across financial services that claim to lend guaranteed approval loans? Online loan providers use all manner of tricks to attract clients. The fact is that guaranteed loans do not exist. Let’s check some traps that we found for “Guaranteed Loans” term.

Popular Misleading Tricks

Marketing TermExplanationAlternative
Guaranteed Instant Approval LoansThere is no such form of loans that are guaranteed! Lenders have right to reject a loan request even if you have good credit history and stable earnings. Besides this, loan approval takes minutes, hours and even days. NOT INSTANT!Payday Loans, Installment Loans, Personal Loans for poor credit!
Guaranteed No Credit CheckLending money with no credit check is not possible. Some lenders use other systems like Teletrack or DataLogic (instead of 3 major bureaus), but this doesn’t mean no credit check at all.
Guaranteed response for a loanThis term is correct. Lenders must give final loan decision by phone call, text or email.

Use Our Legit Service Free Of Scams!

One reason why people look for guaranteed loans is their low credit score. Our system connects borrowers with many reliable lenders. Poor credit does NOT disqualify in case that you have a firm income. All loans are unsecured, so you don’t need any collateral. We process cash loan requests online without piles of paperwork, or endless calls. We aim to help in less than 24 hours!


The general conditions are: a stable income, be of 18 years old, have US residence and a bank account. We suggest to take small amounts, be responsible and repay your loan on time. Contact our customer support for any assistance.

Quick Application Process

Fill in the loan request form. We will instantly send out details to lenders. One of them will make an offer within a few minutes! The lender also discloses all terms, conditions, and fees. Make a wise and informed decision. Send signed documents and wait for funds transfer. The whole process takes one business day.

Borrow Responsibly

Don’t borrow more than you need or can pay back. Consider other money sources from friends or family. Borrow in case of emergencies like sudden hospital bills, urgent repairs. Avoid applying for quick loans to a buy a new TV or go on holiday!

Financial Implications

By borrowing responsibly you accept all consequences of using loans. Lenders perform the following actions against irresponsible clients.

Implications of improper payment

Accepting loan offer means you accept all terms and conditions. Lender specifies all fees, payment schedule and amount in the contract. Partial, late, and non-payment incur extra charges. We have no control over any of them.

Financial implications

Lenders determine the interest rate, fees, charges on your loan. They disclose this information before borrower accepts the offer. Our website does not lend money directly to customers. Hence, we cannot predict the amount the lender will charge as fees or interest rates. There are no obligations to accept a loan offer if you do not agree with loan conditions.

Possible credit history impact

We don't make any decisions that will affect credit score. Though, lenders may run a standard credit check with 3 major bureaus. Non-traditional credit check via alternative sources doesn't affect credit rating. A lender may report your negligence to any credit bureau. We advise our customers to seek help from credit counseling company to resolve debt issues.

Loan renewal options

State laws control loan renewal policies. Lenders inform borrowers about available extension options before signing the contract. We encourage our clients to honor their obligations to pay their loans in full and on time to avoid penalties. Use alternative ways of solving financial problems if unsure about repaying a loan.

Debt collection practices

We have no control over debt collection actions that lenders apply. The loan document specifies the methods used to collect past-due accounts. If the information is unavailable or unclear, discuss the matter directly with your lender. We are committed to ensuring that participating lenders use fair debt collection practices.