Best payday loans and bad loans with guaranteed approval in July 2022

Are you planning to apply for a bad credit loan? Maybe you have bad credit or have been through a tough financial time. Are you late with your bills or do you owe money to a family member? Or maybe your car is in urgent need of repair costs or you just need money for your living expenses.

Surely, a bad credit loan with guaranteed approval and/or no credit check might just be what you need. In this in-depth review, we are going to highlight some of the major bad credit loan direct lenders. These companies are among the best in America for having strong customer satisfaction.

Truth be told, not all bad credit lenders are favorable to you. Of course, these lenders allow all types of emergency loans. What you need to watch out for and pay close attention to are the interest rates offered by some of these direct lenders.

We are happy to introduce you to the top payday lenders in this review. Some of the positive and negative reviews of these lenders are also available.

So sit back and enjoy this good read. This is sure to be one of the best bad credit loan reviews you will ever read. Here we are:

#1. MONEYMUTUAL – America’s Best Payday Loan Direct Lender

#2. CREDITLOAN – Best Installment Loan Provider Today

#3. FUNDSJOY – Bad Credit Loans No Credit Check

#4. TRUE AMERICAN LOAN – Instant loans for bad credit

#5. XMASFUNDS.COM – Best Emergency Loans in 2022

#6.FUNDSGIFT – Loans for bad credit with fast approval

#1. MoneyMutual – America’s Best Bad Credit Lender

You might be familiar with MoneyMutual because they are one of the best emergency loan providers in the industry. They are fast, reliable and service oriented. In addition, they have under their aegis one of the excellent spokespersons

Do you know Montel Williams?

One of the famous daytime talk show hosts. Montel’s customers grew exponentially in the 1990s. After a hugely successful career in daytime talk shows, Montel Williams moved into promoting MoneyMutual.

Since he is so famous, people will tend to come up to him and follow him, and they did. Montel Williams’ haters have come out of the woodwork and sued him for promoting a “bad credit loans” company. They said Montel exploited them by promoting a company that only went after people when needed.

Our opinions differ. Montel Williams has always shown himself to be a model citizen both during his time as a daytime talk show host and after. His MoneyMutual endorsement was a success in itself.

Visit the official Money Mutual website now!

#2. CreditLoan – Bad Credit Check Loans with Guaranteed Approval Online in 2022

Our strong second after MoneyMutual is CreditLoan. Their rise is so sudden, we were completely surprised! No one gave them much luck, but all of a sudden they started gaining momentum as a bad credit lender. Loan amounts and interest charges are basically the same as in MoneyMutual, but with a different branding. They are surely a good competition for MoneyMutual.

CreditLoan is certainly an up-and-coming money lender to watch out for. More about customer satisfaction. In this, as they continue to grow as a payday loan provider, they are able to maintain the same level of exceptional customer service for their clientele. Time will tell, as the personal loan industry is competitive.

Visit the official CreditLoan website now!

#3. FundsJoy – Bad Credit Emergency Loans with 48 Hour Approval

FundsJoy is one of our most admired short-term loan providers. They are an absolute first on their marketing and user-friendly website. Their use of color on their website is very good as it creates a comfortable user experience for anyone looking for loans without credit check.

With FundsJoy, managing their rapid expansion is a breeze. Like CreditLoans, FundsJoy is very promising. As more and more people with bad credit apply for fast loans, are they able to handle the back-end and customer service that comes with an increased number of people taking out loans for bad credit.

There is nothing to say with this company. We’ll continue to keep an eye on this one. We definitely favor them and endorse them to anyone in need of a bad credit loan.

Visit the official FundsJoy website now!

#4. True American Loan – Best Personal Loans for Veterans and Army Officers


The name says it all – this bad credit loan provider caters to real Americans. Their target market as well as those who did payday loans with them were really Americans.

So how do you identify someone as a true American? Well, first and foremost, their love for America should be imminent. As such, this loan provider is popular with so many Americans all across our great country. Whatever loan you may need – payday loan, bad credit loan, no credit check loan, short term loan, installment loan, 24 hour loan, $500 loan, $300 loan or $100 loan – this company certainly provides them all.

So you might want to ask, are they as distinguished as MoneyMutual? Definitely not. But bigger isn’t always better, right? What is important is that they can provide the best loan for bad credit to the needs of their customers.

Visit the True American Loan website now!


It may sound strange, but give us a chance! This money lender is definitely in demand this Christmas – as amazing as you might think. Seriously – SUPER popular. There are many people during the holidays who need cash fast and need emergency loans.

Do you think a bad credit lender tagged with Christmas only succeeds during Christmas time?

Well, check that out…even when it’s not Christmas time, this payday lender still manages to operate consistently. Why do you think that? The most popular opinion is that people love Christmas. Anything Christmas-sy is generally accepted.

Please take the time to check out this money lender, especially if you are looking for $5,000 loans.

Visit the official XmasFunds website now!

#6. FundsGift – Fast Payment with Guaranteed Approval and Bad Credit Loans

FundsGift is a relatively new company. They can clearly cope with MoneyMutual without a doubt. See what we did there?

What’s most remarkable about FundsGift is how quickly they grew their customer base. Watch how fast they lend all types of bad credit loans with guaranteed approval to their customers. The rate at which they hand them out makes you think they’ve been in the business for years!

We are excited to see how far FundsGift will grow. Will they be as big as MoneyMutual in the future? We are now seeing conflicting opinions – some yes they will but not all are convinced.

The future is uncertain right now, but when it comes to short-term loans and overnight loans, FundsGift is definitely number 1. MoneyMutual might be a good choice for $5,000 loans and loans, though. of $10,000.

Visit the official FundsGift website now!

How to Avoid Bad Loan Scams

With good, there is always bad. Unfortunately, we have to let you know that there are a lot of bad credit loan scams out there. Some people take advantage of others and present fake bad credit loan companies.

As such, you need to be very careful when working with a new payday lender. Maybe you found this company online and don’t know anything about them. If so, proceed with caution. Especially if they have little or no online presence.

Some of these terrible companies will trick borrowers into providing their personal information. Once they have done this, they sell the borrower’s personal information to other third parties, and the borrower is contacted by companies who only want to deceive the borrower.

These bad companies may offer a bad credit loan to an individual, ask them to provide a deposit for their loan, and once they send the deposit, the company runs away with their money.

As such, it is so important for us to review that you should always be very careful when looking for a bad credit loan. There are many bad people who will try to take advantage of you by stealing your personal information and money.

Final Words on Installment Loans and Payday Loans

This is ultimately the conclusion of this review. We’ve analyzed six of the best bad credit lenders in America. As we promised, we discussed the pros and cons of each lender.

Based on the information we have shared, you should be able to make a wise choice on which bad credit lender is best for you. After reading our in-depth articles, borrowers usually come to their own conclusion as to which lender to choose. And there are also those who are still undecided.

However, there is no reason to worry. There are other people who feel the same as you. For people like you, we suggest sticking with the largest bad credit loan provider in America. Yes, nothing but the best, which is MoneyMutual.

Please go to the official website of MoneyMutual by clicking on the link below. And start applying for a bad credit loan now!

Visit MoneyMutual official website now!

Bad Credit Loan Company Winner: MoneyMutual

We would like to officially conclude this article by talking more about MoneyMutual. This is the company we select as the best bad credit lender. Some may agree with our decision, others may not. The important thing to remember here is that we rank MoneyMutual on the following criteria. The criteria are:

  • Global customer service
  • Loan turnaround time
  • Market share
  • Online presence

When you compare any other payday lender to MoneyMutual, no one else comes close. MoneyMutual has been dominating the market share in this sector for years. We expect them to continue to take the lion’s share in the future.

So, we end with this, if you need a bad credit loan company now, select MoneyMutual. They are the best in the business and you will not regret your decision if you select them.

Apply now for a bad credit loan!

Comments are closed.