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If you are considering applying for a loan for bad credit to help pay off your debts, the huge interest charges can be daunting. So let’s take a look at all the bad credit loan companies that offer guaranteed approval online.

Main loans for bad credit:

This section will review our top picks of bad credit loan providers. Next, we will lay out the features, pros, cons, and customer satisfaction of these loan providers to give you an unbiased idea to set your expectations of them.

1. MoneyMutual : Best Bad Loans Overall

2. FondsJoy : Best alternative to Money Mutual

3. TrueAmericanLoan – Loans for True Americans

MoneyMutual is undoubtedly one of the most demanded and distinguished loan providers in the country. It is becoming increasingly popular because it does not always do a full credit check of borrowers.

The service is free where bad credit borrowers can contact legitimate lenders to acquire loans without a credit check.

MoneyMutual is not involved in the lending or borrowing process. It is basically a platform for these two parties to lend and borrow money. It’s comparable to Amazon or eBay where loans are offered, not items.

The company has been in the lending business for over a decade now and has helped over two million people across the United States with their financial problems.


Here are the main features of MoneyMutual:

  • The platform through which potential borrowers can get in touch with potential lenders
  • Minimal credit checks are performed
  • Once funds are approved, customers must complete an online form
  • Allows loans up to $5,000 for short-term financing
  • Lenders review customer information and decide if they want to find their needs


  • Ranked #1 for bad credit loan companies.
  • Relatively simple for those with bad credit to get loans
  • The company is very reputable and experienced
  • Completing the online form only takes a few minutes
  • You can receive the money within 24 hours

The inconvenients

  • Not available in some states like New York

Client experience

Customers agree that the service is simple to use and connecting with online lenders is easy. Customers also express satisfaction with the speed with which funds are received through MoneyMutual compared to other similar services.

MoneyMutual is undoubtedly the best loan without credit check with guaranteed approval online.

⇒Visit MoneyMutual official website for more information

#2. FondsJoy – Better alternative to mutual money lending

FondsJoy is one of America’s fastest online lenders that offers one-day approval for bad credit loans.

Approval time on this platform happens in minutes. Potential bad credit borrowers won’t come across a faster provider that offers fast loans without credit checks.


Here are the main features of FundsJoy:

  • A simple and efficient platform that connects lenders and borrowers in one place
  • Advanced technology on the site keeps your information secure and confidential
  • No hidden fees
  • Loan borrowers complete a quick online application to start the process


  • The fastest online lender in the industry with fast turnaround times
  • Funds are often granted with lower interest rates
  • Easy to use site with live chat
  • Large and medium size loans available

The inconvenients

  • Not a household name yet, so some consumers have never heard of the company

Client experience

FundsJoy is known for its excellent customer service and quick response time. A company that prides itself on providing excellent customer service is just getting started. We expect this business to thrive and increase its market share in the near future.

=> Visit the official FundsJoy website now!

#7. TrueAmericanLoan – Bad Credit Loans for Real Americans

It is possible to request up to $35,000 in funds with TrueAmericanLoan . Borrowers can see the money in their account the next business day. You can apply for all types of personal loans. In addition, all types of credits are taken into account.


Here are the main features of TrueAmericanLoan:

  • You can get a bank transfer with the loan amount by filling out a simple form.


  • No credit check required
  • You get an instant response from customer service representatives
  • The maximum loan amount you can get is $35,000

The inconvenients

  • Current employment is required
  • A checking account is required
  • The maximum loan amount you can get is $35,000

Client experience

TrueAmericanLoans is known for its top notch customer service. Customers are satisfied with their service. Since it is a booming business, they are not as well known as companies like MoneyMutual. Nevertheless, TrueAmericanLoan is a great choice and we support them as an online lender.

=> Visit the official TrueAmericanLoans website for more information!

Conclusion: Who is the number 1 loan lender for bad credit?

So which company offers the best no credit check loans with guaranteed approval online? Our favorite is undoubtedly the one and only MoneyMutual .

In analysis, getting bad credit loans online is not as complicated as many people might think. Even for those who have never received financing from these sources before, the procedures for obtaining loan financing for bad credit are simple to follow.

The websites we have reviewed for you above allow you to contact lenders immediately and ask them to send you the money you need. Our recommendation for you would be to try the services of MoneyMutual for their outstanding service and customer support. Additionally, online lenders give you access to several other financial services, such as credit cards and car loans. These sites will help you match interest rates from various lenders and choose the best one for you.

Plus, all the resources you’ll need are all available on the websites, such as loan terms. These websites are safe and secure, so you can rest assured that your personal information will remain confidential. That’s it: choose a site and borrow the money you need, regardless of your credit rating.

If you want to apply for no credit check loans with guaranteed approval, MoneyMutual is your best bet.

=> Apply for bad credit loans online now

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