2021’s Best Bad Credit Loans With Guaranteed Approval: Get Personal Loans & Emergency Loans For Bad Credit From Top Direct Lenders

It is nearly impossible to predict the life of an average person. People with poor credit ratings probably never imagined themselves in this situation. It’s all due to unforeseen situations such as serious illness or financial difficulties. All of this can happen to anyone at any time, yet our financial institutions are clueless.

Private loan companies, fortunately, can be lifesavers in this situation. They identified a gap and stepped in to close it. However, along with the good, came businesses that preyed on people with poor credit. To help you filter the options, we’ve compiled a list of the top 5 organisations that offer the best bad credit loans.

Top 5 Picks For Best Bad Credit Loans

  1. MoneyMutual: Overall Best Online Lender For Bad Credit Loans
  2. BadCreditLoans: Best For Emergency Loans For Bad Credit
  3. CashUSA: Get Fash Cash Against Low Credit Score
  4. Personal Loans: Trusted Lender For Personal Loans Online Approval
  5. Credit Loan: Leading Online Lender At Best Interest Rates

#1. MoneyMutual:Overall Best Online Lender For Bad Credit Loans

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Our first pick is MoneyMutual which is one of the first companies that started providing loans to people with bad credit. Before MoneyMutual burst onto the scene, those with bad credit scores had to sell their valuables to face financial strains, but those days are long gone.

People with bad credit scores are often exploited by non-reliable entities like pawn shops and private lenders. Such lenders offer unrealistic interest rates, and the loaning process also takes a lot of time.

Since 2010, when MoneyMutual was established, it has made an outstanding reputation overall. Some companies offer fast approvals, others give convenient repayment plans, but MoneyMutual provides everything in one place. This is why we placed this brand on top of our list of bad credit loans with guaranteed approvals.

MoneyMutual only works as a link between you and the lenders. You will have the liberty to decide according to your preference. The company won’t force you to choose any lender against your will. This is why it outperforms its competitors at every level.

All in all, MoneyMutual is an online company that aims to facilitate the process by connecting you with short-term lenders. Since all operations are online, the overall process is much quicker than conventional lending platforms.


  • Well-encrypted and user-friendly site that provides high security for your information
  • The platform boasts over 60 lenders
  • The process of securing a loan is quite simple
  • The platform doesn’t charge any fee from you
  • The funds are transferred into your account within 24 hours of approval


  • You must earn at least $800 per month to secure a loan at MoneyMutual
  • You must be a resident of the United States to be eligible for a loan


Are you tired of looking for a suitable platform to borrow a loan? Worry no more because we have found a company with unbeatable qualities.

Many platforms offer loans, but none are as quick as MoneyMutual. After approval, the funds are usually transferred into your account within 24 hours. People with bad credit scores typically apply for loans when they are in dire need of money, and MoneyMutual understands this fact. Hence, if you want to get funds immediately, this company is the ideal choice.

To secure a loan, you usually have to go through long and tiring processes. This is a major turn-off for most people who are looking for quick cash to cater to emergencies. Fortunately, the scenario is quite different when dealing with MoneyMutual.

Something that makes MoneyMutual stand out is its simplicity and ease of use. In contrast to most of the lending platforms, the process for securing a loan is quite simple. You just have to fill out the requirements form and then wait for a suitable offer. If you feel like it’s a lucky day, then you can accept the offer and wait for the fund’s transfer. Pretty simple, right?

Another perk of choosing MoneyMutual is that you won’t have to pay the platform for its services. Doesn’t that sound amazing? It does because when your financial situation is not good, every dollar matters.

Last but not least, MoneyMutual caters to the needs of people with bad credit scores, unlike any other platform. No matter how bad your credit score is, you will always find a reasonable offer on this platform. MoneyMutual offers various options to borrowers, so you can find what works best for your situation.

Customer Experience

MoneyMutual strives hard to completely satisfy both its users and lenders. The company has provided its services to more than 2 million users.

Upon looking at the company’s review section, you will see a large number of returning users. Hence, it is safe to say that you will be happy with the services provided by MoneyMutual.

⇒ Click Here to Visit the Official Website of MoneyMutual

#2. BadCreditLoans: Best For Emergency Loans For Bad Credit

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BadCreditLoans is another money lending company that played a vital role in revolutionizing the lending industry. Today, even if you are on the verge of bankruptcy, BadCreditLoans will provide you with funds to start all over again.

Like MoneyMutual, BadCreditLoans does not lend money on its own; instead, they connect their users with reputable lenders. As a result, you don’t face the inconvenience of finding and dealing with a lender personally.

You won’t find many companies that offer bad loans without taking advantage of customers’ bad credit histories. The dedication of the company is evident from its dealings with customers. BadCreditLoans values your satisfaction above all else.

The company made its impeccable reputation by having reliable lenders on board. None of the lenders on the BadCreditLoans platform have been found to be involved in fraudulent activities.

Therefore, if you have bad credit and are looking for a suitable platform with trustworthy lenders, BadCreditLoans is the best option.


  • The company provides valuable information regarding lenders
  • The application process is short
  • You can secure a loan despite having a terrible credit history
  • The company shows ads for other lenders in case of unavailability


  • Securing a high loan amount is difficult if you have an abysmal credit history
  • The company has subpar ratings on the Better Business Bureau


You will be astounded to learn about the features that BadCreditLoans provide.

First things first, the process of applying for a loan is pretty simple. In the past, confusing, never-ending processes intimated people who were interested in securing a loan. Those days are gone for good. BadCreditLoans is an online platform that provides convenience to you at every step. You simply have to provide basic information like your source of income, name, age, and address. The process of securing a loan is also pretty simple. After collecting your information, the company connects you with the lenders.

One thing worth mentioning is that the whole process is quite transparent. BadCreditLoans provides detailed and useful information regarding the lender. For example, the history of the lender and reviews of the customers who have borrowed money from them. This quality of the platform will help you in making the right decision.

The most prominent feature of this platform is the way they treat people with bad credit scores. BadCreditLoans was created with the goal of assisting people with poor credit, and they have performed admirably up to this point. No matter how bad your credit score is, BadCreditLoans will go far and beyond to facilitate you.

If we talk about pushing limits, no other platform is dedicated to helping you get a loan like BadCreditLoans. This platform shows you ads for other lending companies if you cannot find a suitable lender on it. BadCreditLoans has your best interests in mind and is not operating just to make a profit.

Customer Experience

Almost all of the BadCreditLoans users have rated the company as being trustworthy. The best part is that the company nearly ignores your bad credit score. This is one of the biggest perks of choosing BadCreditLoans.

People love it because of the transparency they offer. Before you make any decision, the company provides you with detailed information about the lender.

Overall, BadCreditLoans is a valuable platform for people looking for bad credit loans with guaranteed approvals.

⇒ Click Here to Visit the Official Website of BadCreditLoans

#3. CashUSA: Get Fash Cash Against Low Credit Score

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The next platform on our list is CashUSA which offers some impeccable features to its users. It is a United States-based online lending platform solely made to facilitate US residents.

What makes CashUSA so attractive? Many lending platforms claim that their purpose is to help you find the best loan deal to sort out your troubles, but in reality, they are there to make profits. Once you start dealing with such platforms, you will immediately realize how profit-centered they are and there is nothing in it for you.

Unjustifiable interest rates are offered to people with bad credit loans, and the processes take too much time before your loan is approved. Contrary to that, CashUSA is a brand dedicated to facilitating people with all kinds of credit scores.

Moreover, the company takes the lead over most other platforms because it offers an education center to its users. This education center teaches users how to achieve financial freedom. Therefore, it is safe to say that CashUSA does not want to trap you in a terrible loan cycle.

The amount of a loan you can secure at CashUSA is also pretty decent. You can easily get loans of up to $10,000. Hence, this platform is a viable option if you are looking for a large loan amount.

CashUSA offers you an interest rate based on your credit history. This interest rate varies between 5.99% to 35.99% APR. Factors like the installments plan, loan amount, and income source also affect the interest rate. In a nutshell, CashUSA is an excellent platform for US residents to secure bad credit loans with guaranteed approval.


  • It is a secure and efficient platform
  • The company boasts a long list of reliable lenders
  • You can secure a loan of up to $10,000
  • You can take financial guidance from the education center
  • Reasonable installment plans are offered for repayment purposes


  • Only residents of the United States are eligible
  • It demands more information than other lending platforms


There are endless platforms online and offline which offer you loans. Very few of these platforms provide education centers to help you achieve financial freedom. Nowadays, financial freedom is the goal that most people are aiming for. People with bad credit seeking loans need financial guidance more than anyone else. This is why CashUSA has started an education center on its website.

Also, CashUSA has also performed exceptionally well over the years as an online lending platform. Many see it as a haven due to its somehow lenient eligibility criteria that allow you access to a loan in situations that you would otherwise get rejected by other lenders.

Are you afraid of long and complex procedures? If yes, then don’t worry because things are pretty simple at CashUSA. To start the process, you have to provide your basic information. This information includes your name, age, email address, your employer’s information, and the funds you want. The platform also demands personal information like if you own the house you live in or not, how much you earn every month, your social security number, your bank account type, and other things like this. This information helps CashUSA in connecting you with suitable lenders.

The service provided by this platform is not fast, but to make up for that it is free of charge. CashUSA connects you with suitable lenders in real-time without charging a penny from you. This means that you can always visit their website and start the application process without having to worry about anything.

Customer Experience

You will be amazed to know that over one million people use the services of CashUSA every month. Yes! Not every year, but every month. This is convincing enough to state that CashUSA is a reliable online lending platform.

The majority of people who came to CashUSA for small-dollar loans were pleased with their decision. We witnessed users praising the speed of operations at CashUSA. Nearly every user got the funds transferred into their accounts within 24 hours of the approval.

All in all, users of this lending platform are pretty satisfied with the company’s dealings and policies.

⇒ Click Here to Visit the Official Website of CashUSA

#4. Personal Loans: Trusted Lender For Personal Loans Online Approval

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There is no certainty that you won’t ever require a large loan amount. Selling your property or valuables like cars at lower prices is also not a viable option as you may need these things to keep yourself going while searching for a solution.

Fortunately, there is light at the end of the tunnel in Personal Loans. Not only does it lend large loan amounts, but also eliminates discrimination based on credit scores. Hence, facing financial hardships is now easier than ever, even for people with bad credit scores.

Personal Loans has made its reputation as a safe and secure online lending platform. Issues related to cyber security are rising day by day; therefore, you should be very careful. In this case, you can provide your information without any worry because this platform is highly secure.

This brand is highly diverse when it comes to lending options. When you come to Personal Loans searching for a loan, there are few chances that you will leave empty-handed. If you are not satisfied with the lenders on board, the platform will connect you with its third-party members.


  • The limit on the amount you can borrow is up to $35,000
  • The site is completely secure
  • The platform explains why they need your information
  • Help you in improving your credit score
  • Funds are immediately transferred into your account


  • The interest rates offered here are slightly higher


Personal Loans has a lot more features to offer than most of the platforms out there. Let’s start with the most prominent one. Unlike any other platform on this list, Personal Loans offers loans up to $35,000. Hence, if you need to get an expensive surgery done or simply want to buy your dream car, you can do it by applying for a loan at Personal Loans. This feature of Personal Loans has helped tons of people get out of their financial hardships.

The list of features only starts from here. Not only can you secure high amount loans on this platform, but you can also repay them in easily manageable installments. While the platform offers loans of up to $35,000, it also provides installment plans of up to 72 months. Therefore, you can apply for a loan at Personal Loans without worrying about the repayment much.

What could be better than a flexible payment plan? A free service is the only correct answer. Personal Loans conducts its operations freely without any charges at all. What else can you wish for?

In addition to free service, this platform is also known for providing relaxation to its users. Let’s say you fail to repay any installment in time, you can contact customer support, explain your issue, and sort out a plan. You can also directly contact the lender in this regard. These are some things you won’t find anywhere else.

Customer Experience

People who have used the services of Personal Loans state it as the best online lending platform. This is the reason why people keep returning to Personal Loans whenever they require instant financial assistance. Bad credit borrowers no longer have to feel hopeless as they can work with Personal Loan to make their lives better.

⇒ Click Here to Visit the Official Website of Personal Loans

#5. Credit Loan:Leading Online Lender At Best Interest Rates

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Credit Loan provides a solution for everyone seeking a quick way to borrow money without much hassle. It has made its reputation as a fast lending service over the years. People who are seeking quick loans often choose Credit Loans due to their efficiency.

Credit Loan is the oldest company on this list. It was established in 1998 and has been providing exceptional services to its users since then. In over 23 years, this company has helped over 7,50,000 people in times of difficulty.

It is one of the early adopters of the online lending system. Hence, due to their experience, they are the best when it comes to online lending. Moreover, the company also facilitates people with bad credit scores quite well. Refused applications of the people with bad credit scores from other lenders are mostly accepted here.

Credit Loans have also improvised the security features of their website continuously over the years. Therefore, it is the safest website on the internet to secure a loan.


  • Best platform for amounts lower than $5000
  • The site is highly safe and secure
  • It is regulated by renowned regulatory authorities
  • Funds are usually transferred within 24 hours
  • One of the oldest lending platforms


  • Not suitable if you want high loan amounts


This company offers nearly all the features that you can wish for in a lending company. What do people usually expect from online lending platforms? Simple procedure, quick funds transfer, and reasonable interest rates, right? Credit Loan covers all of these adequately. This company is particularly best for those who are looking for small amounts of loans. These loans can be used to cover mortgage rent, mechanic charges, or minor medical bills.

In addition, Credit Loan offers quite competitive interest rates. This depicts that the company doesn’t take advantage of your bad credit history, unlike other lending platforms. It offers interest rates ranging from 5.99% to 35.9%, depending on your credit score, the loan amount, and the repayment plan.

If you are skeptical about providing your personal information online, then Credit Loan is ideal for you. This platform uses world-class security features to keep your information safe and secure. To be precise, this site is Trust verified and also boasts credible certifications like McAfee SECURE. Hence, if you choose Credit Loan, you won’t have to worry about any informational theft.

Lastly, the overall process of securing a loan is also relatively quick and straightforward. You only have to fill a simple form that demands some basic information, and the platform does the rest. After submitting the form, the company shows you a list of the interested lenders.

From these lenders, you can choose the one that suits you the most. Once you have made your decision, you are directed to the lender’s website. This is the point where you sign the agreement after reviewing the terms and conditions of the lenders.

Customer Experience

Since 1998, Credit Loans have been catering to the needs of people who are seeking loans. They specialize in providing instant small amount loans and have linked more than 7,50,000 people with lenders over the years.

The number of people helped by Credit Loan shows that they are reliable. We also checked the review section of Credit Loan and were not surprised to find that many people used their service again and again.

Many borrowers with bad credit have also praised the reliability of the lenders available on this platform. In addition, they said that their satisfaction level was increased by knowing that the site is highly secured.

⇒ Click Here to Visit the Official Website of Credit Loan

Factors To Look For While Getting A Bad Credit Loan

Although online lending platforms have made lives a lot easier, they have also spiked an increase in cybercrime. Since these platforms operate online, there is room for hackers and even scammers to cause harm to unsuspecting borrowers who are looking for a way out. For your convenience, we have done the homework to help you get a bad credit loan in the safest and most convenient way possible.

Here are the factors to consider while getting a bad credit loan:


The importance of this point needs to be emphasized more because it is the only thing that saves you in the end. Before planning to secure a loan, you must have liquid assets to cope in case anything goes wrong.

If you are unaware, liquid assets are those which you can sell instantly. These assets include valuables like gold, silver, cars, and property. You don’t want to borrow money without a fallback plan because we all know anything can happen.

Terms And Conditions

We know the most challenging part for today’s generation is reading the terms and conditions (T&Cs). We subconsciously agree to the terms and conditions without even reading their first line. However, when it comes to loans, you have to be very careful; otherwise, you may suffer severe consequences.

When your loan is approved, and T&Cs are presented to you, check if they are reasonable and applicable to your situation. Once you have signed the documents, you won’t be able to step back legally. Therefore, it is crucial to read all the paperwork before agreeing carefully.

Additional Charges

You should also watch out for additional charges, which are often termed as hidden charges. Lenders could hide these charges, or sometimes they are written in front, and you ignore them carelessly.

These charges include late repayment fees, origination fees, and processing fees. Some charges like the processing fee are inevitable, but you can avoid others easily. To keep yourself away from avoidable charges, you simply have to pay attention while applying for the loan.

Moreover, some lenders charge a service fee, and other platforms are free. This fee can range from 1-6% of the loan amount; hence you should go for lenders that don’t charge exorbitantly.

Criteria For Eligibility

In most cases, people with bad credit scores apply for a loan in an emergency. Time is even more precious than funds in such times. This is why we recommend you check the platform’s eligibility criteria before applying for a loan there.

Eligibility criteria vary from platform to platform. In some cases, platforms only lend to US residents. Hence you will only waste your time applying on such platforms if you are not a US resident.

Moreover, some lenders demand proof of regular income sources. Some lenders also require that you must earn a certain amount of income to secure a loan. These are just a few of the many possible conditions, so you should be prepared beforehand.

Interest Rate

Last but not least, the most important factor you should consider is the interest rate. Things like hidden charges are temporary, but interest rates stay with you till the loan lasts. If you fall for a high interest rate, the aftermath of this event will be terrible.

The only way to save yourself from high interest rates is by comparing offers from different lenders and platforms. Try to get an interest rate as low as you can. After finding the minimum interest rate with favorable terms and conditions, try to lower it further by negotiating with the lender.

In addition, do not forget to check if the lender is offering a fixed or variable loan.

How To Get A Bad Credit Loan With Guaranteed Approval

As you have now learned the factors you should consider while getting a bad credit loan, let’s jump the steps that are involved in this process:

Step 1: Examine Your Credit Report

You should start by checking your credit report to determine where you stand. To get this credit report, you can contact any significant bureaus. The service is 100% free of charge.

There is a possibility that you can improve your credit score. A better credit score means lower interest rates. To improve your credit score, you can check for any flaws in your credit report. If you successfully find a mistake, you can ask for a revision in the credit report. This will improve your credit score significantly if it goes well.

It is recommended that you do this at least two months before applying for the loan because disputes take at least one month to resolve.

Step 2: Plan Everything

People who apply for a loan without having a plan end up losing instead of winning anything. Don’t be one of these people and make a target before applying for a bad credit loan.

Inquire about the amount of money you need and a flexible payment plan you can manage. You should do this to keep yourself from interfering with your budget and choosing the right installment plan.

Step 3: Comparing Interest Rates

The third and most important step is checking the interest rates. The interest rate is the additional amount you pay over the actual amount of the loan. Most of us are aware of the term “interest rate” but still ignore its importance.

To live peacefully, make sure you bargain as much as possible on the interest rate. The best tactic is to compare the offers of different lenders.

Step 4: Check For Red Flags

The online lending world is full of scams that are easily detectable. We fall into the traps of scammers because of our greed. If the offer seems too good to be true, then simply run away from it.

You can check the security features of the platform to keep yourself away from fraudulent activities. Moreover, always check through the review section of a platform before deciding anything.

Alternative Bad Credit Loan Options

Are you tired of getting unrealistically high interest rates and unfavorable terms and conditions? Step away from the banks and exploitative lenders and have a deep look at yourself. Only then can you find alternative bad credit loan options like the ones below:

Think Out Of The Box

Sometimes when we are looking for solutions in other places, the answers lie in front of us. If you have failed to secure loans from lenders, look around yourself for things to sell. These things could be extra appliances that you do not use anymore.

In addition, you can sell some jewelry to deal with the situation and then buy it later.

Try Advance Salary

If you are a salaried person, you can also apply for one or two advance salaries to escape financial crises. Some companies also lend interest-free loans to their employees, so don’t forget to check it.

Call A Friend

No one can help you like your close friends and your family. If all the platforms have refused your applications, this is the right time to use your last lifeline. However, you must repay the loan in time because doing otherwise can negatively affect your relationship.

FAQs About Bad Credit Loans

  1. What Are The Side Effects Of Bad Credit Scores?

There are more effects of a bad credit score on your life than you realize. Some of the many side effects of having a bad credit history include fewer loan options, higher interest rates, the insurance premium goes up, you won’t be eligible for credit cards with the best rewards, you will have to pay more for the utilities, renting a house or apartment will be tough for you, and lastly, a bad credit score will negatively affect your job applications.

  1. How Can You Improve Your Credit Score History?

Improving credit score history is a continuous process that takes time, but it is not impossible. We suggest you start by checking your credit report. You can seek the help of a professional in this regard. Try finding any mistake or drawback in your credit report which can be beneficial for you.

If you succeed in finding a mistake, then file a dispute for correction. This process will take at least a month, but it’s worth the time.

If all else fails, you can go for one other way to improve your credit history. That is by borrowing a long-term loan and repaying its installments in time. Your record of on-time payments will improve your credit score with time. Moreover, use credit cards as much as you can and ensure timely repayments. This is also an excellent practice to improve your credit score.

  1. How Can I Keep Myself Away From Scams?

People are reporting more and more cyber crimes related to online lending platforms nowadays. The easiest way to detect a scam is by going through their track record of lending loans. If the company is legit, they will have a considerable number of reviews on their website.

Pay attention to these reviews; if they are fake, you will find a flaw in them. If a platform demands confidential information like passwords and other stuff, it is also a red flag.

The best way to check the security of a website is by going through its certifications section. If it is verified by credible entities like Trust and holds certifications like Mac Afee SECURE, it is trustworthy.

In Conclusion

Many online lending platforms are on the market, but choosing the right one from this ocean of options is undoubtedly a daunting task.

To save you from all the research work, we thoroughly compared almost all of these lending platforms. Lastly, we were left with five top platforms that provided bad credit loans with guaranteed approval.

You can trust all of these platforms with your information as all of them are highly secure, especially sites like MoneyMutual and BadCreditLoans. Our focus was on bad credit loans with guaranteed approvals. Hence, these companies wholeheartedly welcome people with bad credit.

Most of these platforms boast a higher number of lenders on board than their competitors. But, in the end, you should make the decision based on your needs and wants. We have added a helping guide and FAQs at the bottom of this post to clear your confusion.

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