The best payday loans of 2022 for bad credit with Instant & Guara…


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With the multiplication of financial crises in the economy, loans gradually became necessary. However, it is easy to remain in debt from previous loans without sufficient income. People who are already in debt and need emergency funds will find it difficult to get a new loan. Most lenders will not grant additional funds due to the borrower’s inability to repay the previous loan. Interestingly, some lenders may still be willing to give loans to people with bad credit ratings, but this would come with a higher interest rate. These lenders are often called bad credit lenders.

What are payday loans for bad credit?

Bad credit payday loans are traditional payday loans from direct lenders, ready to provide loans to people with bad credit. Several online money lending companies offer bad credit payday loans with guaranteed approval. When approving a payday loan, these lenders do not consider the borrower’s credit rating. What is considered is the ability of the borrower to repay the loan. They ensure that the borrower’s income and past bills are thoroughly checked while managing their expenses. Once the right conditions have been met, the loan will be granted.

One of the benefits of taking out payday loans with bad credit from certain lenders is that they could help improve your credit score in the long run. Whenever you repay your loan in a timely manner, these lenders will help you update your credit score with the credit bureau. They can also help you manage your finances properly. This way you will be debt free in no time.

However, not all lenders offering payday loans for bad credit are after the interest of the borrower. Many of them are there for the high interest and fees they charge. Therefore, before taking on bad credit, make sure you do proper research on the lender. If you need bad credit payday loans and want a reliable lender with guaranteed approval, we provide reviews of several Loan Connection services to help you find the right one. best payday loans for bad credit in 2022.

  • Viva Payday Loans
  • Money Lender Squad
  • Credit Clock
  • Very happy loans
  • Heart Paydays

1. Viva Payday Loans – Best Overall Option For Payday Loans With Bad Credit

Viva Payday Loans is a credit broker best known for providing people 24/7 instant cash loans for bad credit. They partner with several direct lenders to provide the best bad credit loans. Borrowers who want bad credit loans with guaranteed approval are instantly connected to many lenders willing to provide loans. As long as borrowers meet the loan criteria, they can get loans ranging from $100 to $5,000.

How Viva Payday Loans Work

To get bad credit loans with Viva Payday Loans, you need to register on their digital platform. Once the registration is complete, it will go through an approval phase with their partners where all the information provided will be verified. If approved, you will be redirected to a lending partner.

The borrower can now select the lender of his choice. Then, the selected lender may request certain information including proof of income, updated bank statement, proof of residency, payslips and other relevant documents. Once these documents have been validated, a loan agreement will be sent by the lender. Finally, the loan will be paid into your bank account if you accept the terms and conditions. The whole process takes a few hours or a few days, depending on how quickly your documents can be verified.

Visit Viva Payday Loans >

2. Money Lender Team

Money Lender Squad is arguably one of the best bad credit loan introductory services available. It is a reputable broker offering fast loan options without guarantors. They offer a wide range of personal loans accessible in 24 hours. Their loans are short-term loans repayable within three to twenty-four months. The interest rate they charge varies between 36% and 400% APR.

How Money Lender Squad Works

The process of applying for bad credit loans on Money Lender Squad is seamless. First, the borrower needs to visit their website to fill out an online form to register for a loan. Then, they will have to provide their contact details and supporting documents. Once all provided information is verified, the borrower is redirected to a lender’s website to complete the loan process.

Money Lender Squad will not perform an in-depth credit check, but its lending partners may check your credit report to assess your credit repayment history. The application process is quite quick and can be completed in minutes. Once the loan is approved, an agreement is sent for signing. After signing the agreement, the funds will be sent directly to the borrower’s account.

3. Credit Clock

Credit Clock is another top company that offers personal loans for people with bad credit. They are among the most reputable loan brokers online, offering various credit facilities to people without a guarantor or with bad credit. Some of the loans they offer include short term loans, payday loans and short term loans. Their users can get loans ranging from $200 to $5,000. Moreover, Credit Clock is famous for the quick and easy loan application process it offers.

How the credit clock works

The bad credit loan application process with Credit Clock is online. It’s quick and takes less than five minutes. So people who want loans for bad credit can start and complete the process from the comfort of their own home. To get a loan with Credit Clock, visit their website and fill out a loan form.

Provide your personal details and valid documents. If the details are correct, the approval will be sent within minutes. The loan funds will be paid directly into your account. You should know that the approval of a loan for bad credit is based on the affordability of the borrower. Also, to qualify for a loan with Credit Clock, you must be 18 years of age or older.

4. Very Happy Loans

Very Merry Loans is a loan broker offering the fastest payouts you will find. They are very reliable and have a good reputation online. Plus, Very Merry Loans offers one of the best loan terms, a borrower can get up to $5,000.

How Very Merry Loans works

Very Merry Loans connects borrowers with various direct lenders offering fast and accessible loans. People who choose to work with Very Merry Loans can obtain loans for bad credit, regardless of their credit rating. Plus, they offer same-day loans that take less than an hour to credit. The application process is simple and only takes a few minutes. Applicants can choose from a range of loan terms that suit them best. They can also extend their repayment tenure to around two years. To qualify for a loan with Very Merry Loans, applicants must be 18 years of age or older, have proof of permanent address, verified source of income of $1,000 or more per month, and valid ID in the USA.

5. Heart Paydays

Heart Paydays is a bad credit lender known for its low interest rates. They offer the lowest rates in the United States for residents and businesses. Their loans are generally short-term loans ranging from three to twenty-four months. Applicants can access loans ranging from $200 to $2,000.

How Heart Paydays Works

Heart Paydays uses a streamlined online application process to make loan applications quick and easy. The entire registration process can be completed in five minutes without stressful paperwork. Once the application is approved, the loan can be disbursed to the borrower’s account within 60 minutes.


Getting loans with a bad credit score can be tricky, as most banks won’t want to offer you one. However, with the various bad credit lenders available online, you can get an urgent short term loan even with a bad credit score. But before applying for a loan for bad credit, make sure that other loan options have been explored. Indeed, loans for bad credit are quite expensive and can put you in a more difficult financial situation, especially if you default.


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