If you’re looking for a loan, you’re probably seeking the best no-credit-check loans (guaranteed approval)  with bad credit scores from reputable direct lenders. And that’s a fantastic idea!

It can be difficult to determine what to search for if you don’t know where to begin. There are so many various lenders, and they all provide different services and pricing. Furthermore, it may seem like your options are even more constrained if you have bad credit or no credit history.


The credit check is one of the greatest issues people have when applying for loans. If you have a low credit score, it could be difficult to get approved for any loan. Direct lenders enter the picture here. To ensure that you are approved despite your credit score, they don’t run a hard credit check through the major credit bureaus. Listed below are some of the top providers of bad credit and no credit check installment loans who may put you in touch with reputable direct lenders:

  1. 1F Cash Advance 
  2. ASAP Finance 
  3. 15M Finance
  4. MoneyMutual
  5. Funds Joy Loans 
  6. CashUSA
  7. BadCreditLoans 
  8. PersonalLoans 
  9. Citrus-Loans 
  10. Lending Tree 
  11. Credible Avant 
  12. AmOne

1F Cash Advance:

1F Cash Advance bad credit loans

At 1F Cash Advance, they think you should have the easiest, most accessible, and friendliest experience possible while borrowing money. They collaborate with lenders who provide the best bad credit loans with guaranteed approval.

They are aware of how discouraging it can be to apply for bad credit loans but find the process to be difficult or stressful. They try their best to make things simpler for you. The experts take the time to fully explain each option so you can select the loan that is ideal for your situation.

  • Trust score: 4.3/5

After a distinctive borrowing experience, satisfied customers gave the service a Trust Score of 4.3 out of 5, and they evaluated them as having good quality ratings. In terms of customer satisfaction, they are also among the best providers of bad credit loans in their sector.

  • Customer Support: 4.9/5
  • Acceptance Rate: 98%
  • Loan Decision Speed: 4.8/5


  • Guaranteed Loan Approval on the Same Day
  • Ideal for People with Bad Credit
  • Short Loan Agreement

15M Finance:

15M Finance bad credit loans

Easy no-credit-check loans for bad credit scores are available from 15M Finance’s loan providers. It implies that you can get the money you need without being concerned about your credit score. 

  • Trust Score= 4.2/5

On Trustpilot, 15M Finance has a 4.2 out of 5 trust rating. They pledge to offer the best connecting services in the online lending industry. They take great pride in helping people who are looking for dependable, trustworthy financial aid with their financial issues. 

  • Customer Support: 4.8/5
  • Acceptance Rate: 96%
  • Loan Decision Speed: 4.6/5


  • Trustworthy providers of bad credit loans,
  • Affordable interest rates
  • The quick online application process

ASAP Finance:

ASAP Finance loans with no credit checks.

The team at ASAP Finance is dedicated to assisting you in finding the loan that is ideal for you. Their loan partners provide speedy online loans with no credit checks. They will therefore be able to assist you in getting the cash you require right now, regardless of your credit history.

Because of this, you may apply for no credit check loans online easily from your computer or phone. As their direct lenders don’t perform credit checks on their clients, so you can get the money you need right away and won’t have to wait weeks or months to get approved.

  • Trust Score: 4.6/5 

On Trustpilot, ASAP Finance has a 4.6 out of 5 trust rating. It implies that with ASAP Finance, you’ll receive the best customer care and quality service. Their team is helpful, knowledgeable, and always prepared to answer any queries while assisting you in quickly and conveniently obtaining the loan you require. 

  • Customer Support: 4.9/5
  • Acceptance Rate: 94%
  • Loan Decision Speed: 4.5/5


  • No minimum requirements for credit scores
  • Only soft Credit Checks
  • Professional Lenders for Bad Credit

It has been active in the market for more than ten years. This has been a trustworthy, free resource platform for potential borrowers and lenders alike.


MoneyMutual loans

This is the ideal site to apply for a loan that you can use for travel, vehicle repairs, emergency, medical bills, or other unforeseen expenses.


  • Instant funding installment loans
  • More than 2 million clients trust them
  • Upto $5000 loans
  • simple to use


  • Not available everywhere
  • Loanable Amount: 4.3 / 5: On this platform, you can apply for a loan that ranges from $100 to $5000.
  • Processing Fees and Rates: 4.5 / 5

The interest rates that MoneyMutual’s lenders offer are not made public. They promise not to impose any additional fees on using the platform for loan requests.

  • Customer Service: 4.5 / 5

Many clients’ queries are answered on the helpful website of MoneyMutual.

  • MoneyMutual installment loans reviews:

On ConsumerAffairs, MoneyMutual got a consumer rating of 2.7/5.(based on 38 reviews)

  • On Sitejabber, they got a consumer rating of 1.72/5 stars. (from 99 reviews)

Funds Joy Loans:

Funds Joy loans

Funds Joy was founded in 2018. It is a reliable option if you want to get a rapid payday loan that you can pay back immediately.

You can see how upfront and direct they are with the application procedure as soon as you sign in to the website.


  • Loan up to $2500
  • rapid and simple application procedure
  • instant funding installment loans
  • No origination fees


  • Lowest minimum loan amounts
  • Loanable Amount: 4 / 5

You can obtain a loan from Funds Joy lenders for as little as $200 or as much as $2500. Although the amounts are small, they are sufficient for installment loans.

  • Processing Fees and Rates: 4 / 5

Your debt-to-income ratio and the sort of loan you receive will determine the APRs. The interest rate on a personal loan could range from 4.99% to 450%.

The APR for cash advance payday loans could range from 200% to 1386%. Nevertheless, the site doesn’t impose any additional fees, so it’s not entirely bad despite the hefty payday loan rate.

  • Customer Service: 3.8 / 5

Their phone number is not mentioned but you can contact them on their website.


It is undoubtedly one of the most well-known and reliable platforms for peer-to-peer lending in the US. It has been around since 2015, and if you need a quick personal loan and you are with no credit or have bad credit, you should turn to it.

Another fantastic aspect of CashUSA is that it strives to teach people how to manage their finances. You may find resources and advice on how to effectively manage your bills and credit on CashUSA’s Education Center page.


  • loans up to $10,000
  • instant funding installment loans
  • No origination fee


  • There is just a $500 minimum loan amount.
  • Loanable Amount: 4 / 5

The regular loan offers on this website range from $500 to $10,000. The lender and your location will affect how much you receive.

  • Processing Fees and Rates: 4.8 / 5

Finding a lender willing to approve your loan is free, CashUSA doesn’t charge for it. However, these lenders might also demand extra fees in addition to the interest.

  • Numerous lenders at CashUSA provide loans with interest rates of 5.99% to 35.99% and durations of 3 to 72 months to pay it back.
  • Customer Service: 4.5 / 5

You can get in touch with them via their email or contact number.


Bad Credit Loans

BadCreditLoans is another website where you can find a lot of lenders willing to grant you a personal loan.

This company goes above and beyond by displaying your loan requests to third-party non-lender networks. 

This is helpful if their network of lenders doesn’t offer you any offers. However, despite having bad or no credit, they certainly increase your chances of being approved for a loan.


  • No origination fee
  • Loans up to $10,000
  • instant funding installment loans
  • APRs are relatively low
  • Collateral isn’t necessary


  • A lengthy process of application
  • Loanable Amount: 4 / 5

You can apply for a bad credit loan that may be between $500 and $10,000.

  • Processing Fees and Rates: 4.8 / 5

Origination fees are not charged by Bad Credit Loans. Therefore, if you wish to connect with a lender, you can use the site for free.

  • Loans can be expected to have interest rates ranging from 5.99% to 35.99%, with a payback duration of 3 to 72 months.
  • Customer Service: 4.5 / 5

You can connect with the company through email or their contact number.



PersonalLoans is one of the first websites to help customers obtain personal loans. It was established in 2001. This is also an indirect lender, similar to CashUSA and BadCreditLoans. It is merely a platform where borrowers and lenders can collaborate.


  • $1000 is the minimum loanable amount.
  • Bad credits loans up to $35,000
  • instant funding installment loans
  • No additional fees and upfront cost


  • BBB rating is absent
  • Loanable Amount: 4.3 / 5

You can apply for a loan ranging from $1000 to $35,000  at PersonalLoans.

  • Processing Fees and Rates: 4.8 / 5

It costs nothing to use this platform to find loan offers. However, before submitting the online form, make sure to read the terms as some lenders may need origination fees or other upfront fees.

  • Customer Service: 4.5 / 5

You can connect with the company through email or their contact number.


You must submit an online loan application to a lender to begin the procedure. Enter your name, contact information, checking account information, email address, and other details in the form. Include the amount of money needed and submit. The whole application procedure simply takes a few minutes.

When you apply, it will be sent right away to the network of installment loan lenders. One of them will decide on a loan and get in touch with you. Read the terms and conditions, interest rate, charges, payback terms, and additional costs very carefully. To clarify any ambiguities, make inquiries.

A direct deposit is made into your bank account as soon as you sign the loan agreement. You may receive the loan amounts as soon as the same day or the following business day, depending on the provider’s cut-off criteria. We recommend you create a repayment plan right away. To prevent any late repayment fees, return the monthly payments within the agreed loan term.


A no-credit-check installment loan is a kind of loan where you are not required to give the lender detailed information about your financial background. Lenders will instead consider other aspects, such as your income and assets to decide how much money they can give you and whether to accept your application.

As they are unsecured and short-term, no-credit-check installment loans are frequently referred to as “hard money” loans. They are also frequently used by borrowers whose credit histories have previously prevented them from being approved for conventional loans.


Obtaining a loan can be challenging, particularly if your credit is bad. But there are still options for obtaining installment loans with bad credit (instant approval decisions). If you have a source of income and have been employed for at least two years, you may be eligible for a no-credit-check loan for people with bad credit.

Additionally, you must satisfy the minimum requirements imposed by your lender to get instantly approved.


The eligibility requirements are simple to meet for most online personal loans. You must be eligible for a guaranteed installment loan approval if you meet the following criteria:

  • Be 18 years of age or older, 
  • A lawful permanent resident of the United States,
  • Have a present-day bank account, 
  • Be able to offer documentation of a reliable source of income.

You can apply for guaranteed installment loans if your profile meets the requirements above! However, we advise checking the exact state regulations that apply to your location. Some laws might be different.


Although Chime provides cash advances up to $200, it starts with overdrafts or advances of $20 only. What are the other installment loans and cash advance apps that work with Chime till you’ve established your account history to get more cash?

You can transfer advances to Chime via the following financial apps, which are connected to Chime and provide those services. However, sometimes you need to have a direct deposit coming in to get it. 

The installment loans apps that accept chime are:

  • Dave
  • Cleo
  • Albert
  • Empower
  • MoneyLion
  • Varo

The good news is that cash advance and installment loan applications provide more than just that; in fact, several of them include features that are similar to those of Chime. But they’re generally a more simple version.


If you are in the Pacific and choose direct deposit installment loans, a direct transfer will be made for these installment loans into your bank account. This process is called ACH. By the next business day, the money should be in your account. If you need a loan right away, you must go to a nearby lender in the Pacific area. To get the money transferred to your bank, all online lenders need at least a day. 

Here are some options for local lenders:

  • Red Canoe Credit Union
  • Checkmate
  • Cash America Pawn
  • Verity Credit Union
  • Moneytree

If you live in the Pacific and want to apply online, then submit an application on Wirelend. They will connect you with one of their many lenders. 


Revolving credit and installment credit loans are the major types of credit repayments. Borrowers with revolving credit can use the borrowed money once, pay it back, and then use it again. They receive a fixed credit limit from the lender, which they can use entirely at once or partially.

In contrast, borrowers pay back installment credit loans with scheduled, regular payments. With this sort of financing, the cycle of credit is ended by the steady reduction of the principal and ultimately complete payback.

Both revolving credit and installment loans credit is available in secured and unsecured forms, but secured installment loans are more typical.


Looking for direct lenders for second-chance installment loans with bad credit? The options available that provide second-chance installment loans are:

  • CashSpotUSA
  • MaxPersonalLoans
  • massatloan
  • wirelend
  • TwentyMilliseconds
  • EzPaydayCash
  • Paydaylv


Today, a lot of fintech companies and credit unions provide loans without doing a credit check. Having said that, it is still feasible to obtain a loan without any difficulty even if you have bad or no credit. With no credit check loans, a low APR isn’t assured.

Now, always read the fine print if you do receive a fantastic deal. Make sure you make all of your monthly payments on time to build your credit. Always keep in mind that the higher your credit score is, the better offers you will receive. Using the installment loan sites mentioned in this guide, you can link directly to potential lenders who can quickly provide you the needed cash.

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