5 Best Bad Credit Loans with Guaranteed Fast Approval

A low credit score means you cannot obtain a loan from banks or other conventional lending firms; they have stringent requirements that most borrowers cannot attain. Therefore, debtors with bad credit histories look for bad credit loans with favorable interest rates.

Best Bad Credit Loans with Guaranteed Fast Approval

This article discusses the lenders who can give you best bad credit loans to debtors with low credit scores. They provide quick loans, charge decent interest rates, and the application is simple. Here are the top 5 bad credit loans with guaranteed fast approval.

The Top Five

1. MoneyMutual

MoneyMutual is an online platform that connects lenders and borrowers. One is required to complete some steps on the MoneyMutual platform to connect with a significant number of lenders. If you provide your information on the form you will be given on this site; your loan request can reach 60 different lenders.

MoneyMutual acts as an intermediary to give people access to quick loans. It is a great choice if you require a bad credit loan that doesn’t have hidden fees. People with poor credit scores can easily access unsecured loans through this site because it is easy to use.

Because the loan request is sent to several lenders, it would be best to fill in the correct data on your first application. Every lender should receive the same information about you to give you loan offers. Many borrowers like using the MoneyMutual platform to access loans because it does not require one to give out cash before applying for a loan.

If you fill out the data correctly, the approval process will last a few minutes. The following are the pros and cons of MoneyMutual:


  • Borrowers can access cash within hours.
  • If you have bad credit, you can still get a loan with MoneyMutual.


  • Only US citizens can get the MoneyMutual service.

2. BadCreditLoans

Many borrowers trust BadCreditLoans for its great customer service and access to multiple loan options. People with good credit histories also apply for this loan because of its popularity. One can apply for a loan at BadCreditLoan given that they have a social security number, a credit score of 580, and proof of US citizenship.

Borrowers on this site must be 18 or older. BadCreditLoans usually checks the data submitted by borrowers to determine the amount they qualify to get. The application does not last for long, and they have a system that protects the data of loan applicants.

Repayment Terms

BadCreditLoans is not a direct lending service but a matching service. It has lenders who specify their repayment terms; most need to be repaid within thirty-six months. The loan may have additional closing costs and origination fees to be settled by the borrower.

3. RadCred

RadCred is also a great option for bad credit loans with guaranteed approval. It is a mediator of transactions between debtors and creditors. This platform has a user-friendly interface and guarantees that your loan will be approved and your data will be kept safe.

RadCred has some conditions you and the creditor who might lend you cash will discuss. It means you may have completed the requirements on this platform, but the lender might ask for additional information before they approve your loan.


  • With RedCred, you can obtain borrowed money within 24 hours.
  • This platform offers multiple loan options, including payday and installment loans.
  • The lending requirements are not strict. You can still qualify for the loan if you have a bad credit score.


  • Some lenders might ask you for extra personal information.

4. CashUSA

CashUSA is an intermediary; it connects borrowers and lenders. One can apply for auto loans, vacation loans, mortgage loans, and credit repair loans, among others, on this platform. It is easy to get a loan on CashUSA; you can apply for loans up to $10,000 after filling out some information about yourself.

Many lenders on CreditUSA get in touch with borrowers within a few minutes. If an individual lending firm receives your loan request, you might be asked to add some documentation. It would help if you filled out all the blanks so that your request could be accepted.

CashUSA Fees and Interest Rates

CashUSA is not a direct lender and doesn’t charge you for using their service; hence, the lenders who give you real money will give you more information about rates and fees. CashUSA links borrowers with creditors who give out cash to people with bad credit scores.


  • Provides excellent customer service.
  • Their servers are safe and reliable.
  • Creditors can be found all over the United States.
  • This is a suitable platform to obtain a loan if you have a low credit score.


  • Only US citizens can get loans from CahsUSA.

5. Personal Loans

Website: PersonalLoans.com

Personal Loans is an online loan platform that connects people needing loans with various financial lending institutions. The borrowing costs, interest rates, and loan terms are standard, but some creditors have slightly different conditions. PersonalLoans.com’s most popular loans are installment, payday, and vehicle loans.

Personal Loans are a market platform for loan providers with the best conditions for debtors in the bad credit loan industry. One can obtain a loan of up to $35, 000 and repay it within 72 months. PersonalLoans.com has existed for more than 20 years. Most people trust this platform because it has dependable lenders who give out credit to low-credit score borrowers.

PersonalLoans.com’s Loan Calculator

The Personal Loans calculator can establish the total borrowing cost and repayment schedule. Your financial stability and credit score will determine the loan’s interest rate; you can try different inputs on the loan repayment calculator to determine the duration and interest rates.


  • It has many lenders, so one has many options for getting a loan.
  • The loans have low-interest rates.
  • One can get significant loan amounts.


  • Some US states cannot access this platform.