Guaranteed Payday Loans

$100 to $5,000 paid out by 04:34am

  • Same day payouts!
  • 100% US Based
  • 100% Online Service
  • Borrow up to $5,000

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Why is it always so difficult to get your hands on money during those times when you’re most in need of some extra help?

You do your best to make ends meet every month, budgeting your income, and working hard to stick to your self-imposed guidelines. Yet, somehow, things still go wrong. What’s worse, when unexpected expenses come out of nowhere, it feels like your bank, and other lenders won’t stop making you jump through hoops to get the cash that you need.

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By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms & Conditions of Use. I understand that by submitting my information, I may be contacted by telephone by one lender.

The unfortunate truth is that unless you have a perfect credit score, and an amazing bank, you’re always going to have a tough time getting the cash that you need in a hurry. However, there are some online loans that are more likely to give you the support you need quickly than others.

Although no loan is guaranteed, a payday loan could have a much higher chance of delivering the support that you’re looking for when disaster strikes.

Here’s your guide to the complicated concept of guaranteed payday loans.

What is a Guaranteed Payday Loan?

The first thing to note is that no loan can ever be truly guaranteed.

Unfortunately, even the lenders who accept the most people, with the worst credit scores, can never guarantee you a loan until they’ve examined your credit score and history first. That’s because all lenders are required by law to make sure that you’re capable of safely repaying the loans that you request from them.

If your lender promises you a loan without looking at your financial situation first, they’re basically tepalling you that they’ll give you access to cash even if that means putting you in danger in the long-term. What’s more, since these “guaranteed” providers aren’t complying with the rules and regulations set out for US lenders, there’s a good chance that they’re just looking to scam you out of your cash.

So, you’re probably wondering what your options are if there’s no such thing as a guaranteed loan? Well, while payday loans might not be available for you no matter what, they are a lot more likely to come with an automatic approval than most other kinds of cash advance.

To understand why you’re more likely to get a payday loan than other kinds of loan, you need to know the basics of how payday lending works.

What Makes Payday Lending Different?

A traditional bank loan shares many similarities with a payday loan. With both kinds of cash advance, you’ll need to go through a credit check to ensure that you can afford your loan. You also need to make sure that you have a regular source of income and a way to repay what you owe with each loan.

However, there are a few major differences between payday lending and conventional bank loans. For instance, if you were to apply with your bank for a traditional personal loan because you needed help dealing with a sudden emergency, there would probably be a number of restrictions on your loan. For instance, you might only be able to borrow a certain minimum amount, which means you lend more than you need.

Additionally, you’ll usually repay what you owe with a personal loan in installments. That means that the amount you owe is split out over a series of months, complete with extra fees and interest rates built-in.

With a payday loan, there’s virtually no minimum on what you can borrow, although there’s likely to be a cap on the amount that you can lend. The amount you’re able to borrow will depend on how much you generally earn each month, as well as any restrictions that there might be in your state.

Additionally, rather than paying off your loan in installments, you arrange to pay back everything that you owe at once, in one chunk at the end of the month. Usually, you’ll arrange for the money to go out of your bank account automatically with a post-dated check or a bank transfer. Although this means that you have less time to repay what you owe, it also means that you aren’t in debt for as long – which is a huge weight off your mind.

Because your lender isn’t giving you access to money for as long, there’s not as much of a risk that you suddenly aren’t going to be able to pay back your loan because of an illness or lost job. That means that your payday loan provider will usually be more willing than a traditional lender to look beyond credit ratings and lend to you no matter what.

So, is Your Loan Guaranteed?

Not exactly.

Your payday loan provider still needs to make sure that you can afford to take the loan out. This means that they’ll conduct a quick credit check to ensure that you’re not in any major debt already. Most of the time, your loan provider will also ask for information about your income, and how long you’ve been employed.

If you can prove that you’re earning enough money each month to pay back what you owe, then most of the time, your loan provider will be happy to give you the cash that you’re asking for. You simply need to make sure that you’re living in a state where payday lending is approved and that you meet with the other conditions laid out by the loan provider.

Fortunately, most payday loan companies don’t ask for much from the people who want to take loans form them. Instead, they’ll simply want to know that you’re a legal adult, living in the US, with a valid income if you meet with all of those guidelines, your nearly there already.

What’s more, unlike other loan companies and traditional banks that leave you to sit wringing your fingers, and wondering whether you’re going to get a loan, payday providers are generally able to give you a response on whether you’ve been successful a lot faster too.

Most payday loan providers can tell you whether your application has been approved within a matter of hours. If you’re successful in getting your loan, then you can have the money sent to your bank account within less then a day.
It’s that simple.

Is It Easy to Repay a Payday Loan?

Not only is getting a payday loan simpler than applying for most other loan options but repaying the money you owe is a lot easier than you’d expect too. The loan company wants to make sure that nothing is stopping you from handing over the cash that you owe at the right time.

This usually means that when you arrange your payday loan with a lender, they’ll work with you to agree on a time that you’re going to pay back your loan. They may also suggest a method that you can use for repayment, such as a post-dated check.
You’ll fill out all the appropriate paperwork, so that your loan provider can simply take the money that they’re owed from you when the day of your payday arrives.

You might even find that because you pay everything back quickly, it’s a lot easier for you boost your credit rating with a payday loan too. The credit agencies give your credit score a boost whenever you prove that you can repay your loans according to the terms and conditions laid out by your lender.

If you show that you can repay everything that you owe at the right time, without having to ask for extensions, then your credit rating will naturally go up.

At the same time, you get the benefit of not having to worry about changing your entire budget strategy and transforming your life just because you need to borrow a little money. When you pay for an emergency with a quick payday loan, you can get out of debt rapidly so that you can continue with your life as normal within a matter of weeks.

Why Use Us?
How much do you offer?
$100 - $5,000
No charges
Approval Chance?
High approvals!
Is poor / bad credit accepted?
All can apply
How do I get a loan?
Apply Online
2 min Application
Do I pay it all back at once?
Easy repayments

Should You Get a Payday Loan?

If you’re looking for a loan that’s as close to being guaranteed as possible, without breaking any rules or regulations, then a payday loan could be just the thing. This kind of lending makes it quick and easy to access cash in a hurry, even if you don’t have the best credit score. However, just like any other kind of loan, it’s important to think carefully about the kind of lending opportunity that you need before you apply with a payday lender.

While payday lending is an excellent way to get cash quick, it’s designed for emergencies and short-term lending. If you need a loan that allows you to spread the cost of a big expense out over a series of months, then this isn’t the loan for you. If you need a loan that you can use to pay for an emergency and then get rid of within the next month, then a payday loan could be just the thing.

Do your research and check out whether there are any excellent payday lending options in your area today.