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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 236.1% pa (variable). Representative 481.6% APR.

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Payday loans are often what most borrowers consider getting when they are in need of instant cash. The fact that most guaranteed payday personal loans lenders offering the service can process applications online on a 24/7 basis, the short time it takes for them to assess and approve guaranteed payday loans applications, and the less strict lending requirements, it makes sense to a lot of borrowers of guaranteed loans for unemployed to refer to them.

Despite that, lenders of guaranteed loans for unemployed do still have their own requirements that they’d expect borrowers to meet first. This is why there are those that would prefer referring to loan providers of guaranteed payday loans for bad credit that can offer guaranteed payday loans.

What sets this type loan apart is that it has more flexible borrowing criteria than credit union or traditional bank loans. However, there is no guaranteed approval. It just means that instead of focusing on your credit history, the bad credit loans guaranteed approval direct lenders is more interested on whether you have an income source that will allow you to pay back what you’ll owe.

Just like any guaranteed payday loans for bad credit, this is a financial solution that should be paid off within a short-term. Typically, the scheduled due date will be on your next payday. Since it is a payday loan, the interest rates are going to be high as well so if not managed right, it has a tendency of keeping you stuck in a debt cycle.

What Makes Guaranteed Payday Loans A Good Option

One of the best things about guaranteed payday loans direct lenders no credit check  is the easy application. The process is simple and loan providers will only likely verify borrower details online, making the entire process faster. You’ll have freedom when it comes to using the funds as long as it is for a legitimate purpose- from buying groceries, paying bills, taking a holiday, or even repairing your vehicle. It doesn’t matter if your credit is bad too. As long as you can show proof that you can pay it back, you can still get approved of their guaranteed payday loans direct lenders no credit check.

One downside of these bad credit loans guaranteed approval direct lenders is that approval isn’t really guaranteed. You’ll need to satisfy the other requirements of the lenders to get approved. The fees involved are also high especially since you’ll be considered a high risk for your bad credit score. Unless you can be sure to pay the guaranteed loans amount back along with the fees attached to it, consider this as a last resort.

People with bad credits are also the most likely to need additional cash. However, finding a lender of guaranteed loans who would be happy to lend you money when your credit history is not squeaky clean is next to impossible. Payday loans offer borrowers with bad credit to get access to quick cash. With easier requirements and lenders that do not base their approval on a borrower’s credit score alone, this can be a lifesaver in financial emergencies.


Guaranteed Payday Loans for Bad Credit Borrowers

This type of payday easy loan is offered to borrowers with less than attractive credit rating. While people with high credit scores will have an easier time getting approved for a loan, this doesn’t mean that those with bad credits can expect automatic rejection. There are lenders who may be willing to take the risk of lending money to borrowers with less favourable credit history. Of course, the rates involved are also generally very high.

Typically, payday unsecured loans are supposed to get paid fully on the borrower’s next payday. This includes the entire amount borrowed and the interest rates and other costs that the lenders charge. Lately, there are providers that offer short-term loans so borrowers can get a longer loan term.

Applying For Guaranteed Loans with Bad Credit

Part of a payday loan application is to get your credit profile checked. Unlike most regular loans however, your credit score is not the only deciding component if a lender will approve your application or not. However, the credit check will not have a negative impact on your credit record. Among the other details that they will look into include your expenditure, income sources, as well as whether you own or rent your home.

Since these payday loans are unsecured, the costs are typically higher. This is one way for the lenders to offset the high risks that often accompany borrowers with not so good credit scores. If you have a job or a regular source of income every month, you can get better chances of getting approved for a loan. You will have to be 18 years old to apply for a payday loan though some lenders require you to be 21, and must be a resident in the UK. You will need an active bank account as well.

Guaranteed Payday Loans: Fast and Easy Application Process

The best thing about payday loans is the fast application process. Once approved, some lenders can get the cash to your bank account in as fast as 15 minutes. The requirements are usually easy and applying from the comforts of your home is even possible. At the same time, you have full control over how you use the funds, making it a flexible resource for whatever emergency spending you need to make.

For you to be aware about your finances before deciding to get an unemployed loan, these websites can help you as they would give advises for you about money services.

Money Advice Service
Financial Reporting Council  
Financial Conduct Authority


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