Guaranteed Loans Online – Even With Bad Credit?

Borrow £100 to £25,000* by

  • Bad Credit Accepted
  • Fast Payout
  • No Fees
  • Secure Application

Short Term Loans

£100 – £1,000


N Online decision
N Responsible lenders
N Rates from 278% to 1576% APR*
N 3-12 month repayment

Personal Loans

£1,000 – £25,000


N Whole of Market panel
N Trusted panel of lenders
N Rates from 5.7% to 278% APR*
N 3-36 month repayment

Representative 481.6% APR.

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 238.1% pa (variable).

ccta and fca registered lender

Key Features

  • Bad credit loans with guaranteed approval are one of the most searched for loans online.
  • UK direct lenders are far more likely to lend to those with poor credit than a few years ago.
  • There are now loans options for almost anyone, though eligibility checks will of course need to be carried out.

You will likely be turned down by your bank if you request a loan and your credit is poor. The bank simply won’t loan to anyone it deems a risk. Banks have investors, and they have to be careful who they lend money to, even if those potential borrowers are bank patrons. Your status as a member of that bank won’t necessarily help your application for a loan to go through. If you have a good history with them of making payments on time or paying back previous loans, then that may help, but your bad credit is still going to be an issue. You may be approved for a loan, but probably not the one you want. Your loan may be downsized to meet what the banks would consider an acceptable risk level.

If you are tired of dealing with your bank and just want to do business with a lender who won’t worry about your credit, then you need to look for lenders offering bad credit payday loans with guaranteed approval. You might be surprised at how many of them are out there.


Borrow anything from £100 to £25,000 today.
Quick online application takes minutes.



What Are Guaranteed Loans?

A guaranteed loan is actually loans that offer a high acceptance rate, however there is never actually a 100% guarantee you will qualify. Though lending criteria may be slightly more relaxed than with other loan types, you will still have to meet eligibility and affordability requirements as part of responsible lending. They can be a popular method of obtaining funds for those with poor credit scores or those with no guarantor.


Open Eligibility

Almost everyone can get a guaranteed direct loan from online lenders and enjoy instant approval, even if he or she has bad credit. Most online lenders will not check the borrower’s credit history while some may verify in order to assess the affordability of the borrowers and help them decide how much they will let you borrow in case they grant your loan request. A Payday lender, on the other hand, especially the ones that accommodate bad credit loan applicants, is likely to approve you for a loan no matter what state your finances are in.

They can afford to take the risk of lending you money, because they charge interest rates that are quite high. Of course, if you pay off the loan quickly, you won’t have to pay much in interest, but the lenders are counting on the fact that most borrowers don’t pay back the loan quickly. Most of them take the full allotted time to repay the loan, providing the lender with plenty of money in interest.

This is how they balance the risk, and that means that they can approve just about anyone for a loan. Bad credit payday loans with guaranteed approval are open to anyone, and most applicants do get approved. The minimum requirements for a loan from these types of lenders is very low. You basically just have to show that you are working and receiving income and that you are of legal age. You’ll also need an active bank account for the money from the loan to be deposited. Once you can fulfil these simple requirements, you should be approved for the loan. Some lenders will be stricter than others and want more information, but as long as they advertise bad credit loans and guaranteed approval, there’s a good chance you are going to be approved.


Don’t Worry about Your Credit

If you took one look at your credit and determined that no one would approve you for a loan because of it, then you may not realise the kind of lenders that are out there some are cheap some are not some are easy some are not. Bad credit payday loans with guaranteed approval are common enough that you should have no trouble finding one.

Payday lenders tend to not be too concerned about their applicants’ credit. While your credit may keep you from getting a bank loan or may cause your interest rates to increase, there are still loan opportunities available for you. You should not let your credit keep you back from getting the money you need and from applying for the loan of your choice.

That said, if you are not careful with how you handle the loan and the repayment process, then your credit can go from bad to worse. Be sure you make payments on time to preserve your credit and to even give it a boost by the time you are finished paying off the loan.


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Are There Guaranteed Loans for The Unemployed?

It is difficult to find a guaranteed loan for the unemployed, since lenders want to see a regular income that can pay off the loan each month. The minimum requirement is to be earning at least £500 each month, either full-time or part-time in order to be eligible. There are however lending options available for those who are out of current employment temporarily.


More Bad Credit Guaranteed Loan FAQs


Will I get my funds on the day I apply?

In most instances, the funds will be deposited directly into your bank account on the day that you have applied for guaranteed loans for bad credit. If you are applying for a larger than average loan amount, it may sometimes take up to 48 hours to receive your cash though. Your lender will provide you with further information in this regard, as this policy may sometimes differ between them.

Why must I provide a mobile number?

Lenders will use your mobile number to help verify that the rest of the personal information you’ve provided is true and accurate. As a result, the number you include in your application must be active and belong to you.

Can foreign visitors obtain loans?

Unfortunately not. Guaranteed loans for bad credit can only be applied for and obtained by UK citizens or permanent residents. This is one reason why you will be asked to provide proof of address that is UK-based when you apply for your loan.

Can I get a loan with someone else?

Although some lenders permit the practice of accepting co-signed loan applications, not all of them will be willing to do this. In most instances, the person you want to co-sign with will need to be am immediate family member as well. Exceptions may sometimes be made, but these will differ between lending institutions.

Can I borrow £2,000?

The amount of money that a lender will be willing to provide you with will depend on your current level of income and the expenses you pay for each week or month. For example, if you are living on benefits and only receive approximately £300 a month, you may not be allowed to borrow more than the amount you receive on a regular basis.