Guaranteed Loans

No lender can guarantee a loan approval, but you can increase your chances of getting an online personal loan with guaranteed quick decision.

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Guaranteed Approval Payday Loans

Can I get a guaranteed approval loan?

A lot of borrowers expect that payday loans are guaranteed just because they are employed or have a stable source of income. This is a common misconception. When you apply for a payday loan, no lender can guarantee it.

Your application is still subject to approval and it might get rejected or approved, depending on the evaluation of the lender. Don't expect that your application will get approved without going through the evaluation process.

Are there direct lenders who offer guaranteed payday loans?

No lender offers guaranteed payday loans nowadays. All loan applications will go through the evaluation process to check if the borrower meets the qualifications set by the lender.

However, there are lenders who can guarantee quick decisions. This means that the length of time to process such an application is shortened.

For example, if the usual turnaround time of a payday loan application takes up to several hours or a whole day, there are lenders who can release the results in 5-60 minutes. This is a good advantage for borrowers who want to know if their loans are approved or not so that they can try to apply to other lenders.

How to improve your chance of getting a payday loan?

To get a higher chance of payday loan approval, there are some things you need to work on. Although there are lenders who offer a quick release of loan decisions, your loan approval is still not guaranteed. Here are some tips on how you can improve your chances of getting a payday loan.

Credit history

First, you must make sure that your credit history is clean. Lenders partly rely on your credit history when deciding whether to approve your application or not. If you have bad credit records, your application will likely get rejected.

Some borrowers hire a credit repair company to fix the issues in their credit records. If you can afford one, don't hesitate to avail of this service as it will benefit you for a lifetime.

Credit score

Second, you must improve your credit score. Credit scores determine if you are a good borrower or not.

  • Those who have a score of 300-629 are considered bad credit borrowers,
  • those with 630-689 are evaluated as fair,
  • those with 690-719 are good,
  • and borrowers whose credit scores are 720 to 850 are excellent borrowers who are most likely to get loan approvals.
If you want to strengthen your chances of getting a payday loan, work on your credit scores.

You can improve them by paying your outstanding loans on time, avoiding default payments, using credit cards responsibly, and finishing loan payments before taking out a new loan.


Third, you must have all the documents ready. When applying for a loan, you have to make sure that you have all the documents needed so that there is no need for the lender to follow up on such requirements and for your application to run smoothly. Having all the documents with you gives you a higher chance of getting approved. Also, ensure that you have proof of income that meets the income criteria of the lender.


Fourth, ensure that you finish all your outstanding loans first before taking out a new one. It's never a good idea to get a new loan to pay for your outstanding ones.

The outcome of it would be more loans and higher interests to pay. If you want a good transaction with a lender, always aim to fully pay your previous loans before you get a new one. This will save your reputation and yourself from stress. Apply for the loans you can manage.

What if your loan application gets rejected?

In some cases, when you apply for an emergency loan, the lender may not agree to process your loan, or you may not meet the qualifications needed hence getting your application rejected.

This is just a bump on the road; there are other ways you can use to get the finances that you need, including:

  1. Seeking temporary or freelance job. You can get a part-time job, maybe as a waitress or a virtual assistant, to raise some cash to cover your emergency. You can also do small gig jobs like on-demand delivery.
  2. Selling some items, you may have but not using. They could be old electronics, furniture or other items that aren't useful to you at the moment. You can sell them to your friends, neighbors, or through online platforms such as eBay.
  3. Approaching charitable organizations aligned with what kind of help you need to seek for financial assistance.

Are there guaranteed loans for bad credit?

Again, there is no such thing as guaranteed payday loans but there are lenders who offer guaranteed instant decision loans for people with bad credit scores, especially those who operate solely over the internet or using loan-matching companies like 27 Cash Advance.

Bad credit loans in general are more expensive and are harder to get since lenders take additional risk when issuing such loans to people with low creditworthiness.

What are the alternatives to guaranteed payday loans?

If you are looking for some alternatives to payday loans, you might want to try to apply for a credit card with a credit limit equivalent to your monthly income or consider a secured loan backed-up by a collateral, such as a title loan.

Nowadays, it's easy to get credit cards because banks get lenient in terms of requirements. If you need immediate cash, you can just use your credit cards to pay for whatever you need. All inconveniences are sorted out since there is no need for you to apply for the loan when you have the card already.