For Bad Credit Loans
with Guaranteed Approval,
Pheabs Can Help. Apply Online Today!

Whilst a loan is never guaranteed, especially if you have bad credit, Pheabs certainly has a number of options to help. We work with such a range of lenders including apps, stores, credit unions, title loans, payday loans, cash advances and more – that we will match your requirements with the best lender and product for you to maximize your chances. You will still need to be employed with a regular income and be able to make repayments on time.

If it is guaranteed approval loans that you are looking for, there are a number of bad credit loan companies out there and their loan products are adjusted to suit people with poor credit histories. Perhaps the loan terms are a little longer and you can pay back in multiple installments, or maybe there is just a limit to the amount you can borrow. In some cases, the rates charged might be a little higher to reflect the potential risk of default.

But just because you have a bad credit score does not mean that you are not trying to improve or could be a good person to lend to. In fact, you may have overcome a tough situation and are now on the road to improving your credit score.

If you have a very poor credit rating, Pheabs have a number of lenders who are willing to consider your application. You just need to have a stable income and can commit to making your repayments on time each month.

Yes, you can get approved for bad credit loans for emergencies, whether you have a broken down car, medical bill or plumbing problem at home, you can borrow $1,000, $2,000 or more to fix everything and get back on your feet.

Although we always try hard to have money saved for a rainy day, you can never be sure when an emergency will arise. Whilst emergencies are always difficult and tricky to pay for, the last thing you want is to be declined because of bad credit – but fear not, there are a number of lenders who will gladly consider your application.

When it is an emergency loan, we appreciate that you will need cash quickly, so with an instant decision and fully online process, Pheabs can approve your loan on the same day and sometimes, you can receive money to your bank account in just a few hours.

Yes, Pheabs can facilitate bad credit loans on the same day of applying. The entire process is online and you can apply 24 hours a day, 7 days a week, using your desktop, mobile or tablet. 

Once approved and you have passed all the credit and affordability checks, you can access funds within a matter of hours, same day or next day. To boost your chances of getting a same day loan, try to apply during office hours (9am to 5pm) and on a weekday, and make sure that all your information such as income and expenses are ready and prepared – since this will only help speed things up.

Can I Get a Loan with Bad Credit?

Loans With 650 Credit Scores

Do Payday Loans Help Your Credit?

How Does a Credit Check Work?

How To Improve Your Credit Rating

No, we cannot offer guaranteed bad credit loans, but we can help to match your personal details and loan requirements with the lender, app or credit union who is most likely to approve you and offer you the most affordable rates. We understand how difficult it can be if you need a loan and are finding yourself getting turned down at every place.

At Pheabs, we are delighted to offer a free solution where you can apply with multiple lenders at once, with no fees for using our service and no impact to your credit score either. A loan can never be guaranteed and an individual will always need to be approved and show that they can afford to make their repayment on time and without falling into financial difficulty.

Pheabs can offer quick loans for people with bad credit on the same day, next business day or sometimes within just a few hours. We have already successfully completed some loans within 1 hour of approval. 

When applying for small loans for bad credit or unsecured products, these are usually processed automatically through income, credit scoring and affordability – so the process can be much faster and you can receive funds on the same day.

If you are looking to borrow a large loan or you may need to use collateral such as a car or property, this requires more checks and validation and therefore it can take a few days to process.

Yes, you can choose to repay over 1 or 2 months, or use an installment loan to repay over 3,6 or 12 months, usually in equal monthly installments.

This can certainly help people with bad credit to spread the cost of repayment into smaller amounts, making it more flexible and manageable to pay off. Plus, you always have the option to pay back early if you need to. So if the loan lasts for 24 or 36 months, you could pay back in half that time if you prefer to and you will often save money since less interest is accrued.

If you are looking for a bad credit loan with no credit checks, you will probably need to consider using some form of collateral, such as a property, car, bike, van or anything else with value. This is where you are able to borrow against something valuable, so credit scores are less important here, but ultimately you could risk losing your collateral if you do not keep up with repayments.

Pheabs offers a 100% online process, so all you need to do is click on ‘Get Started’ and you will be taken to our online application form where you can enter your details such as age, location, loan amount, loan duration, income and expenses – and you can get an instant decision on the screen.

As a loans connection service, we will match your application with the lender who is most likely to approve you and offer the best rates. If you accept the initial quote, there will be some further checks on your income and affordability, but if approved you can receive funds within an hour, the same day or next day.

We do not charge any fees for using our service – and we never will. We always work hard to find the best bad credit loan options for our customers – and you can have peace of mind that applying with Pheabs will not impact your credit score in any way.