Best Same Day Loans With Guaranteed Approval for Bad Credit Reviewed in 2022

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Let's face it, none of us know what tomorrow has in store for us financially. A sudden illness, accident, or even freak weather can land anyone in a dire financial crisis.

When that happens, it's hard. The banks only want to talk to us when we have money, and down on our luck and with a poor credit score we don't know where to turn.

We get it. It's horrible being broke.

However, if you find yourself like this with a bad credit score and you need some fast cash, there's still a beacon of hope because of the guaranteed same day loans online that are now available.

Thanks to the advent of online lending platforms, you can get guaranteed approval same day loans faster than you can blink your eyelids at your bank manager.

These online payday loans platforms such as MoneyMutual, which connect you to payday lenders who will give you an unsecured personal loan in exchange for some interest.

We've rounded up the best bad credit payday loans – personal loans with guaranteed approval even for folks with a bad credit score – to make the selection easier for you.

Because you don't want to just go to any payday lender: things like interest and other fees really matter.

Here's the list at a glance before we move on to the detailed reviews of each option.

Same Day Loans Guaranteed Approval:

  • Money Mutual: Best same day loans overall
  • CashUSA: Great for easy approval payday loans 
  • BadCreditLoans: Payday loans for bad credit score 
  • 247DollarLoan: Top payday loans under $1000
  • ZippyLoan: Best payday lender for fast funding 

1. MoneyMutual – Best Same Day Online Payday Loans

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  • Easy to use
  • Affordable monthly payments
  • Immediate approval within 24 hours 
  • Borrow up to US$5000
  • Staunch security system protecting your privacy


  • Doesn't operate in some states
  • Unclear repayment terms

MoneyMutual is a popular payday lending company providing guaranteed approval for folks with a poor credit score. With Montel Williams working as its spokesperson for years, this platform is a reliable option for those unsure about approaching online lenders.

We love this place is so credible.

On top of its credibility, MoneyMutual also combines other important features like ease of use, high lending amount, and low-interest rates. This makes it a great solution to those needing fast cash.

MoneyMutual Eligibility Requirements: 4.5/5

The eligibility requirements for MoneyMutual payday loans are pretty simple and straightforward. You can get instant loans on the platform if you're a US citizen aged at least 18 years.

Additionally, you should be earning at least $800 per month and have a bank checking tài khoản to qualify for a loan. But, don't worry. Even if your bank record has a bounced check or some other bad credit history, you will still qualify for a loan.

MoneyMutual Lending Amount: 4.5/5

If you qualify for a loan at MoneyMutual, you can receive your money in no time. The forms require generic information and take no more than 5 minutes to complete.

The maximum lending amount listed is US$5000 on the website. However, if you cite your problems well or are stuck in a really dire situation, you may find they will fund beyond this limit. 

That has to be worth a shot.

MoneyMutual Interest Rates and Fees: 4/5

Naturally, the interest rates at MoneyMutual depend entirely on the amount you borrow. That's why make sure you only borrow the amount you require to cover your emergency costs.

Upon applying for the loan, you will have to identify the duration across which you'll repay your loan amount. The APR rate varies from 5.99% to 24.99%, depending on the amount you borrow and the time of repayment.

The best part is, MoneyMutual does not charge any fee for applying for a payday loan. You can create an tài khoản for free and connect right away with direct lenders.

MoneyMutual Repayment: 3/5

MoneyMutual simply works as a middleman between creditors and lenders. So, you merely have to decide the loan terms and details of your short-term loan with the payday lenders you contact through the platform.

Although this might seem like an excellent policy, because of the diverse number of lenders and loans, the terms can be unclear and confuse first-time borrowers.

Get a Quick Loan With MoneyMutual

2. CashUSA – Best Same Day No Credit Check Loans Guaranteed Approval

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  • Fast & easy sign-up process
  • Quick transfers within one business day
  • High borrowing limit of up to US$10,000
  • Resourceful financial articles available 
  • Accessible mobile app


  • Not available in all US states
  • Some lenders might set high-interest rates

If you're looking for a hassle-free website that will approve payday loans for you, then you should consider Cash USA. One of the most flexible and accessible websites for guaranteed payday loans, it can help you out quickly when you most need it.

You can opt for multi-purpose loans and get fast funding even if you have a lousy credit score.

Moreover, the website has highly affordable interest rates so that you shouldn't be stuck in debt for extended intervals.

Cash USA Eligibility Requirements: 4.5/5

Guaranteed approval loans are easy on Cash USA even if your credit stinks due to ongoing financial credit.

The sign-up process is relatively easy, after which you can connect with direct lenders available on the website who are ready to dole out the personal loans regardless of your credit score.

While the lending platform only asks for basic information to apply for a loan, you should be a US citizen and at least 18 years of age. In addition, you'll have to provide proof of citizenship and residence for eligibility.

Besides that, the website requires you to submit your bank checking tài khoản number along with private and work phone numbers.

Cash USA Lending Amount: 4.5/5

One of the most impressive features of this platform is its high lending limit. Borrowers can ask for any amount they need in a payday loan between US$500 up to US$10,000.

Cash USA Interest Rates and Fees: 4/5

Cash USA charges an APR of around 5.99% to 35.99%. If a lender accepts your payday loan application, they will specify the loan terms of repayment and interest through the website.

Remember, some lender terms might worsen your financial situation and credit score even more. So, make sure to read the fine print before agreeing to any payday loan offer.

Cash USA Repayment: 4.5/5

Your repayment terms for your online loans will depend on the amount you borrow. However, the standard repayment duration varies from 90 days to 72 months.

Get a Bigger Loan With CashUSA

3. BadCreditLoans – Same Day Bad Credit Loans Guaranteed Approval

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  • High maximum payday loan amount
  • Reliable payday loan platform
  • No collateral required
  • Easy to use website
  • Prompt customer service


  • It does not provide unlimited loans
  • High-interest rates on large loans

As the name suggests, Bad Credit Loans is a go-to platform for borrowers facing a serious financial crisis. With an easy registration process combined with high payday loan amounts and responsive customer service, it is ideal for folks with bad credit scores.

One of the industry's best-rated bad credit payday loan platforms, the website offers market competitive interest rates and accessible repayment terms.

BadCreditLoans Eligibility Requirements: 4.5/5

Applying for bad credit payday loans is a breeze on this website. All you have to do is fill out a form, and your application will be presented to a community of online lenders affiliated with the platform.

However, there are specific criteria you should fit for guaranteed loan approval. First, you should be a US citizen with proof of citizenship and residence. Besides that, you should provide monthly income evidence and a valid email and phone number.

BadCreditLoans Lending Amount: 4/5

Users love this site because you can borrow high amounts of money even if you have a bad credit history. If you qualify for the website, you can borrow anywhere from US$500 to US$10,000.

BadCredi Loans Interest Rates and Fees: 4/5

Although the website does not charge any operating fee, you'll have to pay an interest rate with each monthly installment. While the APR ranges from 5.99% to 35.55%, your exact interest rate will depend on your loan agreement: the amount, loan terms, credit score, and repayment duration.

BadCreditLoans Repayment: 4.5/5

On Bad Credit Loans, you decide your repayment terms with your lender once connected. However, the minimum repayment duration starts from 90 days and goes up to 72 months on the platform.

Get a Bad Credit Loan Today

4. 247DollarLoan – Payday Loans Online for Under $1000



  • Easy to use website
  • Instant loan approval within 24 hours
  • Hassle-free application process
  • Accessible repayment schedules
  • Responsive customer service


  • Low maximum loan amount
  • Ambiguous interest rates

247 Dollar Loan is an accessible online payday loan platform that connects online loan applicants with potential payday loans lenders. So if you're facing a financial crisis and need to pay your bills or house rent right away, you can get your loan approved within 24 hours on this platform.

Besides that, it has hassle-free application requirements combined with a user-friendly website that beats standing in long lines for bank loans.

247DollarLoan Eligibility Requirements: 4.5/5

As a loan applicant on 247 Dollar Loan, you'll have to complete a 5-step process before receiving your money. To apply to the platform, you'll need to be at least 18 years old with proof of US citizenship and residence.

Additionally, you'll have to provide proof of at least US$800 monthly income with a valid bank tài khoản and contact number.

247DollarLoan Lending Amount: 3/5

If you're looking to borrow high amounts to clear your debt or get out of a financial crisis, then this website is not for you. It has a lending limit of only US$1000, so you can only cater to immediate expenses and bills from the loan you receive.

247DollarLoan Interest Rates and Fees: 3/5

The platform charges no fee from its users. Instead, it connects you with its community of lenders upon signing up for free. After you connect with a lender or receive an offer, you can decide on an interest rate according to your loan amount and repayment terms.

Unlike other guaranteed approval loans websites, this platform does not offer any exact APR rates on its platform. This is because there are a variety of online loans.

247DollarLoan Repayment: 3/5

Similar to the interest rates, the lender in the loan offer also specifies the repayment terms. You should sign only if you agree to the terms before receiving the amount.

Since the website does not directly deal with the loans provided, they do not give any exact repayment terms on their platform. So, make sure you read the fine print before agreeing to any cash advance loans.

Get Instant Loan Approval With 247DollaLoan

5. ZippyLoan – Best Same Day Loans for Fast Funding

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  • Fast loan approvals even with bad credit records
  • You can borrow as low as US$100
  • Maximum loans are as high as US$15,000
  • Easy application process


  • Borrower information sold to lenders
  • High fees on payday loans

If you desperately need some quick cash to pay your bills or buy groceries, you don't have to embarrass yourself in front of other people anymore. You can easily borrow small or large amounts of money from ZippyLoan.

The website offers a guaranteed payday loan with flexible repayment schedules and affordable interest rates. In addition, you can access lenders through the platform even if you have a bad credit history.

ZippyLoan Eligibility Requirements: 4.5/5

If you want to borrow money from lenders on Zippy Loan, simply fill in your details. The online payday loans are available for US citizens who can provide proof of monthly income along with a valid bank tài khoản and contact details. These are guaranteed approval loans.

ZippyLoan Lending Amount: 5/5 

This is the best part about this platform. You can borrow as low as US$100 and as much as US$15,000. $15,000 is not a rigid credit limit on the forum. If a lender agrees to your loan request for a higher amount, you can receive the amount instantly.

ZippyLoan Interest Rates and Fees: 4/5

There are two types of loans; short-term and long-term personal loans on the platform. While the lender on long-term goals provides the interest rates, short-term ones can charge up to 300% of interest.

ZippyLoan Repayment: 4/5

The repayment terms on ZippyLoan are pretty flexible. You can connect with your lender and devise a repayment plan from 6 days to 6 months after receiving the loan.

Fast Funds With ZippyLoan

How Did We Choose the Best Same Day Loans?

Honestly, we cannot use a 'one-size-fits-all' notion while choosing the best payday loans.

However, we assessed some features and aspects before adding these options to our lists.

Here are the boxes we made sure each guaranteed payday loan option ticked off to make it on the list.

Same Day Loans' Eligibility Terms

The ideal payday loan platform should have flexible eligibility terms. All the options we have listed above provide accessible applications with minimal requirements.

Meaning it becomes easy for anyone with bad credit records to receive instant payday loans with the website.

Same Day Loans Fees and Interest

All of the platforms listed above allow you to fill out a loan application for free. The medium merely acts like a middle person between you and the lender, who keeps the interest for himself.

While the lenders specify the interest rates in the case of some websites, others have an affordable APR ranging between 5.99%-35.99%.

Get a Quick Loan With MoneyMutual

Same Day Loans Repayment Terms

If you're stuck in a difficult financial situation, you'll probably need some time to repay your loans. That's why we searched for the platforms that provide ample time to divide your repayment installments.

While some of them let you decide the terms with your lenders, others let you pay your loan back within a few days, months, and even years. You can decide on a repayment schedule with your lender depending on your loan amount and interest rate.

Best Same Day Loans With Guaranteed Approval for Bad Credit – Buying Guide

Now that you've gone through our list of best instant approval loans, you are probably ready to get started right away.

However, if you still have some questions, here's a short guide to help you out.

How Much Money Can People With Bad Credit Borrow?

It is pretty challenging to get lenders for people with bad credits as most people don't want to lose their money. That's why even if you find bad credit loans guaranteed approval, you will not be able to borrow more than a limited amount.

Most websites only allow you to receive around $500-$10,000, but some may extend the limit up to $15,000 as well, depending on your situation.

Get a Quick Loan With MoneyMutual

Should I Get Pre-Qualification for a Bad Credit Loan? 

Yes, even if you're already applying for a bad credit loan, the impression you place on your creditors plays an important role.

To ensure you receive the money you need, you should still provide a detailed pre-qualification specifying your financial situation.

Even if you have bad credit records, you'll still get total points for honesty, citing all the details with your application.

How Do I Check My Credit Score? 

If you have ever borrowed money from a known institution, you can contact the credit bureau to get your credit score.

The organization generates a report based on your payback history and devises a score according to the details.

It might take anywhere from 5 to 6 months to generate a score, but most payday loan providers don't require an official document. The score ranges from 300 to 850, from which 300 is the lowest score.

What is APR or Annual Percentage Rate? 

An APR or Annual Percentage Rate denotes the interest rate or fee you'll be paying in exchange for the loan. For regular loans, the APR is usually around 0.1%-0.5%.

However, in the case of bad credit payday loans, the APR goes as high as 5.99% to 35.99%, depending on your loan amount and repayment duration. Meaning you will receive immediate loans even with a bad credit score, but you'll have to pay the price in the long run.

How Do I Get a Payday Loan?

If it is your first time applying for a personal loan online, the process can seem quite tricky to you.

However, once you choose the ideal platform for yourself, getting a payday loan is pretty straightforward.

Get a Quick Loan With MoneyMutual

Step 1 – Fill out Your Payday Loan Application

First of all, you'll have to navigate the application form on your target website. Then, fill the form out with the essential information, including the amount you want to borrow, your reason for the loan, and your personal details.

Step 2 – Watch Out For A Payday Loan Offer

Once your application is complete, the website will display your details to potential lenders. If a lender agrees to facilitate your request, you will receive an offer by email.

Step 3 – Review the Payday Loan Offer and Agree to the Terms

Next, you'll have to review the offer properly before agreeing to the terms and conditions by providing an e-signature.

Step 4 – Receive the Cash Loan

After settling the repayment terms and interest rates with your online lender, you can receive your amount through your registered bank tài khoản.

What are the Top 5 Same Day Loans?

The best same day loans today are as follows:

Best Same Day Loans With Guaranteed Approval – Get Fast Cash With a Few Clicks

In a nutshell, it is possible to get a same day loans with a bad credit score if you know where to connect with suitable lenders. Payday bad credit loans can help you get immediate help to pay your bills and get out of a serious financial crisis.

Get a Quick Loan With MoneyMutual

However, with a Payday loan, you can end up paying massive amounts of interest compared to conventional loans. That's why make sure to evaluate the pros and cons so that you don't end up worsening your financial situation.