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10 Best Instant Payday Loans Online For Bad Credit with Guaranteed Approval 2022

Cash shortfalls are very normal. Some months, your expenditure just exceeds your income. How you respond to this shortfall is what's most important. What do you do when this happens? Apply for a bank loan? Maybe not. The loans take some time to process and the approval rates for these loans are pretty low, which are almost inaccessible to people with bad credit.

Check out these instant payday loan service providers instead. Your chances of getting approved are higher here, and the requested cash is processed really quickly.

Top 10 Instant Payday Loans Online Guaranteed Approval

WeLoans - Best for Overall

iPaydayLoans - Best for Same-day Payday Loans

CocoLoan - Best Payday Loans with No Credit Check

US Bad Credit Loans - Best Payday Loans for Bad Credit

WeLoans - Best for Overall

WeLoans is the service to beat in terms of convenience, simplicity, quick approval decisions, instant funding, and an all-around beautiful borrowing experience.

To begin with, WeLoans' loan offers are open to bad credit borrowers. The service connects you with lenders without a minimum score requirement. Granted, bad credit payday loans have high interest rates. However, theirs is relatively lower than most you will find online.

The lenders also have high approval rates; about 97% or more. Generally, you should get an offer once you meet the basic eligibility requirements. These lenders make funding decisions in under five minutes and run only soft credit checks on borrowers. They report on-time payments to the major credit bureaus, which is definitely a solid way to build your credit score over time.

Pros

High approval rates

Quick approval decisions; in five minutes or less

Has offers for bad credit borrowers

Loans may be secured or unsecured

Applying with a cosigner is allowed

Cons

Borrowers must have a consistent source of income to qualify for their loans

Enjoy High Approval Rates and a Beautiful Borrowing Experience on WeLoans >>

iPaydayLoans - Best for Same-day Payday Loans

iPaydayLoans is deservedly in the top three on this list. Are you struggling with a long overdue debt or is there some emergency expense you're grappling with? This broker helps supercharge your finances by connecting you with payday lenders who can lend you up to $5000 same day payday loans.

Sometimes, though, it may take till the following day to get the cash deposited in your checking account, depending on the lender and your bank's processing speed.

iPaydayLoans does not charge for using its services. Its lenders also have payday loans for unemployed Americans. However, an unemployed applicant must have a consistent source of income they can bank on to repay the debt. Some of the acceptable ones are government benefits, alimony, and pension.

Pros

Simple application process

Quick funding; as soon as the same day or the following business day

Applicants are not charged for paying debt before deadline

Has numerous payday loans for unemployed offers

Cons

It is not accessible in all states

Get Funded The Same Day or The Next With iPaydayLoans >>

CocoLoan - Best Payday Loans with No Credit Check

If you want a payday loan with no credit check, you may want to try CocoLoan instead. It connects you with lenders that only run soft credit checks before granting you a payday loan.

Do you need a little cash advance like $50-$100? Table your request! Need a couple of thousands instead? Feel free! The website allows applicants to request instant payday loans up to $5000. With its loan calculator, a loan applicant can quickly estimate the total cost of the loan they are getting from the lender.

CocoLoan connects borrowers to their best-fit lenders for free (no origination fees). There are no hidden fees either. Usually, you get exactly what's been approved by the lender; no more, no less.

Pros

No origination fees

Well optimized on mobile

Have various loan products, like bad credit loans and no credit check loans

High approval rates

Cons

Interest may be comparatively higher for bad credit borrowers

Applying On-The-Go? Try CocoLoan Today >>

US Bad Credit Loans - Best Payday Loans for Bad Credit

US Bad Credit Loans was designed with bad credit borrowers in mind. Its proprietors believe in giving bad credit borrowers a second chance, so created a platform to connect them with bad credit lenders. These lenders use your income and employment as the qualifying criteria rather than your credit score. This increases the chances of people with poor credit scores or thin credit histories, but good income, and a chance to get some loans.

Because these lenders report payment to TransUnion, Experian and Equifax, their customers' credit scores get better over time, qualifying them for better offers in the future. It also has instant payday loan offers for people who are out of work and have a consistent source of income.

Pros

Relatively low-interest rates for bad credit borrowers

Bad credit borrowers with a monthly income of at least $800 can easily qualify

Reports payment to Experian, Equifax and TransUnion

Cons

Late payment attracts a fee

Take Advantage of US Bad Credit Loans' Bad Credit Loan Offers Now >>

US Installment Loans - Best for High Loan Amounts

US Installment Loans is another veteran loan broker you can trust. The platform consistently connects borrowers to relatively low-interest rate loan offers. Applicants can take out short or long term loans depending on their needs. These loans are quite easy to qualify for too. They may also be secured or unsecured.

This broker is available round-the-clock and is thus, a reliable loan resource for emergency bills and expenses, especially those that come up on weekends. Its partner lenders have no minimum credit score requirements. Therefore, bad credit borrowers are welcome to apply.

Pros

Borrower can apply for high loan amounts, up to $35000

Service is available round the clock

Easy application process

Extensive network of reliable lenders

Cons

Platform has no mobile app

In Search of Reliable Lenders Still? Let US Installment Loans Connect You With One >>

CashAdvance - Best for Low Interest Rates Payday Loans

CashAdvance, established as far back as 1997, promises transparency and borrower-friendly policies. Reviews and surveys reveal that the service is transparent in all its dealings. A quick look at the website and you can see well-detailed pages on state's lending laws, requirements, lending policy, and rates and fees.

The free-to-use service is a proud member of the Online Lenders Association, a trade association formed to regulate the activities of its member lending services. All OLA members are well-known for employing fair debt collection policies and treating customers fairly.

Pros

Provides educational materials on credit-related products like credit repair, credit-monitoring, and debt relief to borrowers

Transparent with fees and interest rates

Great for people who need medium loan amounts (up to $10000)

Has a calculator

Free to use

Cons

The absence of a mobile app may be a little limiting for some borrowers

Get Instant Payday Loans and Get Educated on Everything Loans With CashAdvance >>

US Title Loans - Best for Quick Funding

It's limiting to think car title loans are all there is to US Title Loans. This broker can also connect you to great instant payday loan deals up to $5000. On applying, you get quotes from different lenders. You are not obliged to go with anyone as they are free, non-obligation quotes. Sift through the quotes and e-sign only the one you are most comfortable with.

The application process is straightforward too. In a couple of minutes, you should be done. As with several others on this list, its lenders fund applicants quickly. In a day or two, your cash should be deposited in your checking account.

Pros

Free, no-obligation quotes

Simple application process

Bank-level confidentiality

Cons

Car value has a great influence on how much you can take out

Try US Title Loans for High Loan Amounts With Payday Loans >>

BadCreditLoans - Best for Financial-Educational Resources

BadCreditLoans was set up for bad credit borrowers with loan needs between $5000 and $10000. Borrowers with bad credit scores can apply for loans through this service and get offers in under ten minutes.

All data entered on the site during application are safe and secure, thanks to the platform's industry-leading security standards and protocols. On the platform, you will find helpful resources on recognizing debt collection, wire transfer, mortgage loan relief, phone and job scams.

Lending isn't all there is to BadCreditLoans. They also offer credit-related products like debt relief, and credit repair.

Pros

APR (5.99%-35.99%) is a little below the market average

Also offers business, mortgage, home and student loans

Website is safe and secure

Service is free to use

Cons

Not available in all states

Apply for Up To $10000 Bad Credit Loans on BadCreditLoans >>

Upgrade - Best for Mobile

Upgrade loans are great for financing large purchases, debt consolidation, credit refinancing, and home improvements. The loanable amount ranges from $1000 to $50000. Upgrade's loan terms are reasonably lengthy too. Applicants can get loan terms between two to seven years.

You can subscribe to the service autopay feature to guide against missing payment deadlines. Subscribers to this plan enjoy a little discount on the usual interest rate.

Upgrade users also enjoy payment flexibility. The service allows borrowers to change their payment dates to a time most comfortable for them. Finally, there the convenience of applying on the go using its mobile app. Through this mobile app, you can make payments, and view your outstanding balance.

Pros

Secured loans are available

No prepayment penalties

Allows joint applications

Has a mobile app

Cons

Has an origination fee

Upgrade Your Financial Purchasing Power With Upgrade >>

Payoff - Best for Building Credit

Payoff is arguably the best lending service for credit card consolidation loans. These loans may range from $5000 to $40000. Although interest rates are largely dependent on the applicant income, state of interest, loan amount and loan term, they typically lie in the 5.99% to 24.99% range.

Happy Money doesn’t charge applicants any late payment fees. As with Upgrade, users enjoy payment flexibility. Via its Member Account Online, a borrower can change their payment due date once every 12 months.

Worried about your credit score? Do not be, says Payoff! According to the service, people who pay up to $5000 of their credit card debt using Payoff loans could see a 40+ points jump in their credit ratings.

Pros

Relatively low interest rate

Late payment fees do not apply

Free, monthly credit score updates

Does not run hard credit inquiries on borrower profile

Cons

Does not offer joint applications

Register at Payoff Where You Can Get Some of The Best Consolidation Loans Available >>

Can I Get a Guaranteed Approval Payday Loan With Any Credit Level?

No. But that's not because you have a bad credit score. It's simply because there are no 100% guarantees anywhere no matter what your credit ratings are, what kind of loan it is or what loan service you are using. However, there are places where your chances of getting approved are quite high. Most of the above-listed services have high approval rates. WeLoans, for instance, have an approval rate of 97% and higher.

Usually, you should get approved for a loan so long as you meet the lender's basic eligibility requirements; regardless of your credit score.

Can I Get Instant Decision Payday Loans Online?

Yes, it's possible to get instant decision payday loans online. However, 'instant' is relative and depends to a large extent on your lender. While some lenders make funding decisions in a minute or two after getting your request, some others do so in five minutes. The most important thing is getting a lender who makes funding decisions quickly.

How Do Instant Payday Loans Online Work?

An instant payday loan, also known as a post-dated check, check advance or cash advance loan is a quickly processed loan used to settle expenses between paydays. It's a short term loan and can be obtained from online lenders. To get one, you'd have to visit the lender's website and provide the amount you intend borrowing, and your basic personal and financial information.

The lender will generally run a few checks on you, make a funding decision and make you an offer， which contains the approved loan amount, interest rates, late payment penalties, prepayment penalties (if any), payment deadlines, and other fees and clauses you may need to be mindful of.

E-sign the quote or agreement and the lender begins to process your cash soon. The approved and disbursed loan may then become accessible to you as soon as the next business day or a few hours after approval.

Best Instant Payday Loans Online

There you have it; the ten best instant payday loans online. These brokers and direct lenders have been in operation for several years, are debatably the most reliable names around and serve their customers great loan deals. What's there not to like?

Still unsure about what service to use? Try WeLoans where approval rates are highest and funding is quickest.