Bad Credit Personal Loan | Top Direct Lenders For Installment Loans With Guaranteed Approval


Money matters can be very stressful. It is pretty daunting having to worry about raising enough cash to make a payment, clear a debt, etc., within a short amount of time.

Fortunately, there are various financing options available for people seeking financial aid. When you run short on cash, you can take a loan to supplement your capital for whatever your needs may be. You can obtain these loans in various ways.

However, most lenders require that you have good credit or secure your loan with collateral. Such loans are not always ideal, as individuals with bad credit can find it hard to secure financing from these lenders.

Best Bad Credit Personal Loans

This article provides the comprehensive list below of lenders who provide personal loans for individuals with bad credit.

1. Heart Paydays

Heart Payday is a popular loan matching service. They have a website to simplify retail loan applications by offering online services. All online applications can be completed in under five minutes.

Heart Paydays can provide loans an hour after application—at most one day. They are notable for lending to people with bad credit who other lenders have rejected.

Heart Paydays provides cheap rates on short-term loans. The loans have APRs of between 5.99% – 35.99 percent.

Heart Paydays can lend you money even if you have low credit, are jobless, or need government assistance. Additionally, Heart Paydays loans provide bad credit personal loans guaranteed approval of $5,000 to US citizens at a slightly lower rate.

2. Viva Payday Loans

Viva Payday Loans provides no-guarantor loans in only a few minutes to aid with financial troubles. The speed at which they review your loan application and provide the requested amount makes them one of the best lenders.

After accepting your application, Viva Payday Loans links you to top lenders with customizable loan amounts. Whether you need a few hundred dollars or thousands for investment, Viva Payday Loans has something for you.

Viva Payday Loan interest rates might differ from one lender to the next but range from 5.99% to 36%. They indiscriminately provide loans to people who have bad credit, can’t find work, or rely on government aid.

3. Money Lender Squad

The Money-Lender Squad offers unsecured, short-term loans at competitive rates. Their payday loans for those with bad credit can be quickly approved upon submission of an application. They also provide no-credit-check loans for two years.

An instant bad credit loan application is available via Money Lender Squad. After filling out an online application and clicking “Submit,” you will send your information to prospective lending institutions. Proof of identity is required when applying.

After your application has been approved, potential lenders review the application forms. A Money Lender Squad lender will then contact you through phone or email. It’s a fast procedure.

4. Credit Clock

Credit Clock is a great financing option for individuals with bad credit. Customers authorized by one of their dealers can acquire a payday loan, personal loan, bad credit payday loan, or emergency loan with simple payback terms and low credit ratings.

Individuals who need money urgently can utilize Credit Clock’s swift loan approval and payments.  The credit clock sets minimum income criteria.

Their services are available to those who want to secure a loan from a licensed lender ready to deal with bad credit. They cater to legal US residents who are 18 or older. The lender may ask for proof of your identification, residence, and monthly income.


The most evident advantage of taking a personal loan online with Heart Paydays is the convenience and swiftness of getting the funds you need. The lack of a credit check is only one of the many advantages of their loans.

However, remember that taking a loan can be dangerous if you cannot repay the loan.

Due to the nature of independent content, VT cannot guarantee content validity.
We ask you to Read Our Content Policy so a clear comprehension of VT's independent non-censored media is understood and given its proper place in the world of news, opinion and media.

All content is owned by author exclusively. Expressed opinions are NOT necessarily the views of VT, other authors, affiliates, advertisers, sponsors, partners or technicians. Some content may be satirical in nature. All images within are full responsibility of author and NOT VT.

About VT - Read Full Policy Notice - Comment Policy