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Apply For Guaranteed Loans - Instant Approval - All Credit Considered

Pheabs can maximize your chances of getting a Loan with Guaranteed Approval! Whether you are looking to borrow $300, $500 or $1,000, we match your loan inquiry with over 50 different US lenders.
Your loan inquiry will be subject to income, credit check and residence – with options available in Texas, California, Nevada and all over the US.

Receive Your Guaranteed Loan in Three Steps

Follow the following steps to apply with Pheabs and to receive funds on the same day or next business day:

1. Apply Online

Applying through our online application form takes just 5 minutes and couldn’t be easier to do!

2. Get Matched With The Best Lender

Pheabs only works with legitimate lenders, making sure that you are being offered fair rates with terms to suit you.

3. Receive Funds On The Same Day

Once your application has been approved, you could receive your funds in as soon as one hour, and almost always within 24 hours!

Where Can I Get a Guaranteed Loan?

If you want to apply for a guaranteed loan online, Pheabs offers a fully online application process, so you can apply from the comfort of your own home or if you are on the go, whether it is a mobile, desktop or tablet.

We ask for a few basic details which can be filled in under 5 minutes and you will receive a guaranteed loan with instant approval on the screen.

If you have a poor credit history, you may be offered loan alternatives such as those from credit unions or debt relief companies – but you will always receive a result that will aim to help you.

It is important to note that a loan is not always guaranteed when you apply. It is not as simple as applying and getting money into your account. The lender we match you with will need to check that you are eligible.

However, since Pheabs is a matching service, we will certainly be able to boost your chances of approval across a number of viable lenders.

Does Pheabs Offer Guaranteed Loan Approval With Bad Credit?

Pheabs cannot offer loans with guaranteed approval with poor credit, but we can help to match your personal details and loan requirements with the lender who is most likely to approve you and offer you the most affordable rates.

Pheabs are delighted to offer a free solution where you are able to 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 show that they can afford to make their repayment on time by having a regular income, employment and a commitment to repaying their loan on time without falling into financial difficulty.

Does Pheabs Offer Guaranteed Emergency Loans?

Whilst no loan comes with guaranteed approval, Pheabs can help you to get approved for emergency loans even with bad credit, for thing such as an unexpected medical or veterinary bill.

You can borrow $600, $800 or even borrow $3000 to get back on your feet.

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.

Am I Eligible for a Guaranteed Loan?

You can apply for a guaranteed loan with Pheabs as long as you meet these following four requirements:

  • Are over 18 years of age
  • Have American citizenship
  • Have a minimum monthly income of $800
  • Have a current account for us to deposit funds into

Where Can I Get a Loan With Guaranteed Approval?

A guaranteed loan is available from a number of competitive lenders, including payday loan lenders, which are available in 37 US States including Florida, Nevada and Alabama.

Outside of these states such as New York or Illinois, we may offer other types of products including unsecured, personal loans, installment loans, poor credit and more.

Can I Get a Guaranteed Loan Without Any Credit Checks?

It is possible to find a guaranteed no credit check loan, provided that you find a product that uses collateral or assets to be approved, rather than credit scoring. There are products such as home loans, secured, title and car loans which require you to own a vehicle or property to be eligible and you can use its value to borrow money that you require.

Pheabs often provides unsecured loans, such as payday and installment products, but we may suggest or recommend secured or collateral products which do not use credit checks to be eligible.


How Can I Maximize My Chances of a Guaranteed Loan Approval?

You can maximize your chances of getting a guaranteed loan through Pheabs by ensuring the following:

  • Have a stable job and income – This will help to prove to lenders that you will be able to meet the monthly loan repayments
  • Have a fair or good credit score – The better your credit score, the more likely it is that you will be approved by a lender for a loan
  • Have a desire to pay on time – This can be proven by not having too much debt, or proving that you have previously repaid loans on time
  • Be available to the lender – This helps to show the lender that you are willing to cooperate
  • Provide accurate information – The more accurate the better, as this means that lenders are more likely to process and approve your loan application quickly


With Pheabs, you could find guaranteed loans ranging from $100 to $35,000 – with the amount you can borrow based on factors like your monthly income, credit status and affordability. Other factors that may be considered by lenders include your residence (homeowners are often preferred), age and whether you have any other similar loans open too.

Pheabs will usually need to confirm the income and conduct a credit check for all our customers.It is often quite hard to find a loan for people who are unemployed, however, you may be able to use some collateral that you own such as a car or home to borrow the money you need.

Pheabs is a broker, not a direct lender. This means that if you are approved, we will not provide the funds to you as a direct lender. Instead, we connect you to the lender that is best suited to your situation from our trusted panel.

Yes, interest rate price caps exist on all the loans that our lenders offer, but the size of the cap will ultimately depend on the state you live in. In some states, such as Colorado and Nebraska, the cap is set at 36%, whereas in others, the cap can be much higher. Price caps on loans are designed to prevent predatory lending.

No, Pheabs will never charge you an upfront fee for using our service. Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.