Top 10 Best No Credit Check Loans Guaranteed Approval

Having the best no credit check loans guaranteed approval is a must if you always need to access emergency cash even with a bad credit. No credit check loans are loan facilities that do not consider the credit score of a specific loan seeker before issuing them these loans. 

Top 10 Emergency Cash Immediately App 2022
No Credit Check Loans Guaranteed Approval 

Getting a bank loan can be pretty challenging and time-consuming, and if you add your lousy credit on top, you might not even be eligible for one. That’s why many people with abysmal scores turn to bad credit loans with guaranteed approvals. The possibilities for such online loans are pretty unlimited. With a vast number of options, you shouldn’t have difficulty getting fast loans.

Bad credit or no credit check loans offer quick and straightforward access to much-needed funds without the need for endless ..

List Of Top 10 Best No Credit Check Loans Guaranteed Approval 

Here are top 10 no credit check loans guaranteed approval direct lenders.

10 Apps to Get No Credit Check Loans Guaranteed Approval Direct Lender
10 Apps to Get No Credit Check Loans Guaranteed Approval Direct Lender
  • MoneyMutual
  • Cash USA
  • Personal Loans
  • 24CashToday
  • Prosper
  • FundsJoy
  • Upgrade
  • Bills Happen
  • Avant 
  • Money Mutual
  • Lending Points

1. MoneyMutual

Top 10 Best No Credit Check Loans Guaranteed Approval
Top 10 Best No Credit Check Loans Guaranteed Approval

MoneyMutual is America’s number one lending service for borrowers requiring no credit check loans guaranteed approval. The lending marketplace is one of the most experienced ones on the market and insists on supplying the best possible terms and conditions for people who’ve found themselves in a challenging financial situation.

MoneyMutual was founded in 2010, meaning that it has over 10 years of experience. The online platform isn’t a direct lender. It only connects personal loan lenders willing to work with poor credit scores to people who need fast funding. It features a comprehensive network of individual lenders, but for even higher odds of getting approval, MoneyMutual also works with other third-party financial institutions

With MoneyMutual, you can apply for loans up to $5000, regardless of your credit score. The lending network doesn’t have any extensive requirements – you only need to check off a couple of basic conditions, and they’ll start looking for a suitable lender to provide you with the funds.

Once you submit the short application form, MoneyMutual’s algorithm quickly verifies and processes your data in order to connect you with a proper lender. The algorithm will go across MoneyMutual’s databas ..

2. Cash USA

Top 10 Best No Credit Check Loans Guaranteed Approval
Top 10 Best No Credit Check Loans Guaranteed Approval

Cash USA, our 2nd pick for top no credit check loans guaranteed approval, is one of the best online lending platforms that help to connect various loan seekers with a network of lenders who are willing to give out loan facilities. It is one of the recommended apps to get no credit check loan guaranteed approval.


  • Quickly approves loans and disburses
  • Services are safe to use
  • The online application is user-friendly and hassle-free
  • Diverse lender network to choose from
    CashUSA Cons

Since CashUSA is simply a lender network, the lending amount varies from lender to lender. Overall, you can borrow up to $10,000 at this marketplace.

Although not unreasonable, CashUSA’s interest rates and fees are comparatively high. The APR ranges from 5.99% to 35.99%.

You must be at least 18 years old and a US citizen or permanent resident to apply for a loan at CashUSA. You will also need to provide a checking account in your name and additional contact information. It’s worth noting that CashUSA only requires borrowers to be employed 90 days before their application.

3. Personal Loans

Whether it’s an emergency, home improvement, business startup, unexpected bill or family vacation – a personal loan can provide the funding you need.

Personal loans online form is easy to complete and can get you connected with funding options in minutes. If approved, you can receive your funds as soon as the next business day. Personal loans can be used for whatever comes your way. It is our 3rd pick on the list of top no credit check loans guaranteed approval.


  • Offer various loan facilities without any need for a credit score.
  • Fast funding and disbursement within one business day
  • No collateral required
  • Generous lending limit
  • Diverse lender network’s lending limit ranges from $1,000 to $35,000, allowing you to pay off even the most expensive purchases! It also has quite competitive interest rates, with an APR that ranges from 5.99% to 35.99%. However, borrowers have to pay an origination fee ranging from 0% to 6%.

4. 24CashToday

24 Cash Today is a respected and well-trusted online platform that offers payday loans with no credit check loans guaranteed approval. The platform provides a lot of loan opportunities to interested loan seekers.

Depending on your needs, you can select among several cash loan options: payday loans (or cash advance), installment loans, or title loans. 24CashToday makes it simple and fast to get any of these loans online.

Bad Credit Loans
Bad credit score is not the only factor, which is considered when evaluating loan requests, this is why people with poor credit score below 600 can still get an instant cash loan. Our lenders offer the best loan options for each individual case, including bad credit.

No Hard Credit Checks
When you need emergency cash to deal with critical life situations, then you should not be worried about credit checks. Every direct lender performs some sort of background check, but this fact should not be an obstacle between you and your small cash advance.

5. Prosper

Prosper is very good for emergency loans and it is our 5th pick for no credit check loans guaranteed approval. It has the following features.


  • Option for joint loans
  • Interest rates are competitive
  • Quick loan approval and funding
  • Generous lending limit


  • Borrowers have to pay an origination fee
  • Borrowers have to pay additional fees in case of late payments

Prosper‘s diverse lender marketplace provides borrowers with flexibility in APR, repayment terms, lending limits, and eligibility criteria. However, what sets Prosper apart from other loan companies is the option to change your monthly due date.

Prosper’s lending limit ranges from $2,000 to $40,000, depending on the lender. Since Prosper is simply a lender network, the interest rates and fees vary based on the lender. Luckily, the marketplace is pretty diverse, allowing you to pick the lender with the most reasonable APR.

6. FundsJoy

FundsJoy claim to offer free and straightforward loan services without any hidden fees or charges. It is our 7th pick for no credit loans guaranteed approval.

How To Receive Loan From FundsJoy

Submit A Request
All paperwork is gone! The whole process is completely online. Just fill in a few details about yourself and hit “Get Started”!

Check The Offers
If the offer suits your needs and desires, and you agree with all the terms — simply e-sign the deal and get ready to enjoy the money!

Receive Your Money
Once you submit your request, get your offer, and e-sign it, you’ll be able to get the funds to your bank account in no time!

FundsJoy’s interest rates and fees are surprisingly high, with an APR ranging from 4.99% to 450%. In addition, borrowers have to pay origination fees, ranging from 1% to 5%.

7. Upgrade

This is a good platform where individuals and loan seekers with bad credit scores can effortlessly access loans. Their application process is relatively easy as one can get qualified for loans without the issue of a low or bad score. Some argue that this is the best app to get no credit check loans guaranteed approval direct lender. 

Loan Processes With Upgrade

Check Your Rate
Apply online in minutes and see your rate with no obligation or impact to your credit score.

Choose Your Loan
Review multiple loan options and decide which offer is best to help you achieve your financial goals.

Fast Funding†
Accept your loan offer and you should get your money within a day of clearing necessary verifications.

Flexible Personal Loan Options
Choose the best option that fits your monthly budget and schedule to get out of debt

8. BillsHappen

BillsHappen is an excellent lending platform that connects lenders with various loan seekers. They make it possible for individuals with poor credit scores to access and get loan facilities. It is our 8th pick and a good platform to get no credit check loans guaranteed approval.

How it works
Submit your request in just a few minutes
The entire process is safe, secure and completely online. No one to deal with in person, BillsHappen® does not charge you any fees to use our service.

Get the money you need — fast!
Once you’ve completed the form, your information is reviewed instantaneously by lenders to determine if they would like to work with you. If a lender decides they would like to work with you, you will be redirected to their website where you complete the lender’s forms, review the loan terms, and if agreeable to you, accept the loan to collect your funds as early as the next business day.

9. Avant

Avant is a personal loan scheme for the everyday borrower seeking no credit check loans guaranteed approval.
Avant partners with WebBank to offer access to personal loans for middle-income borrowers that need help with things like high-interest debt, home improvement, or unexpected expenses.

Transparent credit for all
The Avant Credit Card helps you pay for what you need while building your credit. Comes with a $300-$3,000 credit limit, no hidden fees, and benefits like MasterCard ID Theft Protection.

Avant Pros 

  • Options for secured and unsecured loans
  • Repayment terms are flexible
  • Minimum eligibility requirements

Avant Cons

  • Borrowers need to pay an administration fee

Middle-income borrowers need to look no further than Avant since this loan company has no eligibility criteria; anyone can apply! In addition, Avant is known for its comfortable repayment terms and generous lending limit.

Avant’s lending limit ranges from $2,000 to $35,000, allowing you to pay off even the most expensive purchases! Rates and fees are quite standard, with an APR ranging from 9.95% to 35.99%.

This is one of the best available loan platforms, which is excellent for individuals who do not have a favorable credit score. The platform helps to provide short-term loans to loan seekers.

10. Lending Points

Another great loan platform is Lending Points which offers a no-credit loaning facility to interested individuals and loan seekers looking to acquire a loan. It ranks high amongst apps to get no credit check loans guaranteed approval direct lender.


  • No penalties for prepayment
  • Quick loan approval and disbursement
  • Buy now, pay later loans for bad credit borrowers
  • Competitive interest rates and fees


  • Borrowers have to pay origination fees
  • Doesn’t have an option for joint loans

LendingPoint operates in 48 states in the US, allowing Americans to take advantage of its services throughout the country. In addition, this loan company is also known for its quick approval and funding, which allows borrowers to receive the loan within one business day!

The lending amount at LendingPoint ranges from $2,000 to $36,5000.

LendingPoint has quite competitive interest rates, ranging from 9.99% to 35.99%. However, borrowers have to pay an origination fee ranging from 0% to 6%.

Instant Loans No Credit Checks Guaranteed Online Approval for 2022.
Top 10 Best No Credit Check Loans Guaranteed Approval

Frequently Asked Questions About No Credit Check Loans Guaranteed Approval

What Is The Best Direct Lender for Bad Credit? 

There are numerous types of loans that individuals with bad credit scores can consider. One of the best available direct lenders for bad credit score loans is Upgrade. Others to consider include Bad Credits Loan, Credit Loan, and Lending Points. They are among the apps to get no credit check loans guaranteed approval direct lender.

Which Bank Has The Easiest Personal Loan Approval?

Currently, the bank with the most straightforward procedure or approval on personal loans is, USAA. This bank is popularly known for providing various services in various industries such as Insurance, Investments, Banking, and even Retirement products 

Is LendingTree Legit?

Yes, LendingTree is considered to be a legit lending platform that helps to provide individuals with various loans such as home loans, personal loans, and small business loans. Despite information on the platform, it is still vital that a loan seeker research and make findings before deciding on the specific platform.

Do You Need Quick Or Emergency Cash From Reputable Loan Apps In Nigeria?

In need of an instant loan or an emergency cash loan in Nigeria? You can apply through any of the top loan apps in Nigeria and get funded under 3 hours, a few more hours or within 24 days. No hidden charges, no document needed, no collaterals needed with any of our list of reputable loan apps in Nigeria.

Instant Loan Apps In Nigeria In Minutes
 Instant Loan Apps In Nigeria Have Changed The Dynamics of The Loan Industry

There are many loan apps designed for urgent and emergency cash if you are a Nigerian and live in Nigeria.  An emergency cash loan is available for anyone who has an urgent financial obligation that cannot wait.

We should also add that if you are resident in United States (USA), you can apply for an emergency cash advance loan even if you have a poor or bad credit rating. Please ensure you avoid like a plague any of the following top 22 loan sharks in Nigeria. They are scam, fraudulent and fake loan apps in Nigeria.

If you are running a small or medium scale business in Nigeria and you need affordable and reliable accounting software to automate your financial processes, then this is for you: Top 13 Best Accounting Software For Small Businesses In Nigeria and you can contact these Top 8 Best Accounting Software Companies In Nigeria 2022 to implement it for you. They will also train your staff. The first on the list: Skytrend Consulting Ltd is specially recommended for you.




Please follow and like us:

You May Also Like

About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (, the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

Leave a Reply

Your email address will not be published.