Not everything in life is predictable. Sometimes you can be thrown off-track by an unexpected emergency, and need cash fast to help manage it.

However, as many of these moments are unexpected, you might not have the funds to pull you through such circumstances. That’s where emergency cash loans can help.

Emergency cash loans can help to keep you financially afloat during challenging situations.

We can explore the best short-term loan options for your situation. After filling in our online submission form, you’ll be connected with one of our reputable partner lenders. If successful after our partner’s further checks, you could receive funds in 24 hours/the next working day.

Beyond our services, there are government agencies that offer guaranteed loans for all kinds of financial and personal backgrounds including those for housing, veterans and students.

Loan Amounts$100 to $35,000
Loan Duration30 days to 5 years
APR200% to 400% APR
Bad Credit ConsideredYes
Same Day FundingYes
Secured or UnsecuredBoth options available

Step 1 – Apply Online

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

Step 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.

Step 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!

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.

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.

Importantly, 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.

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 and have an active SSN
  • Have a minimum monthly income of $800
  • Have a current account for us to deposit funds into
  • Can afford to repay your loan

maximise chances of approval

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

  1. Have a stable job and income – This will help to prove to lenders that you will be able to meet the monthly loan repayments
  2. 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
  3. 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
  4. Be available to the lender – This helps to show the lender that you are willing to cooperate
  5. Provide accurate information – The more accurate the better, as this means that lenders are more likely to process and approve your loan application quickly

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.

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 Much Can I Borrow With Pheabs?

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.

What Are The Alternatives To Personal Loans?

Other than the personal loans offered by Pheabs, there are a number of other products which are guaranteed or more guaranteed than others. This includes:

  • Co-signer loans where you get someone with a good credit score to offer security for your loan in case it is not repaid.
  • Catalog credit cards give you access to purchases in certain stores across America and it is common to receive up to $1,000 in store credit
  • Buy now pay later has very low eligibility criteria and restrictions for people looking to buy things in store or online such as furniture, white goods and electronics.

Is There a Price Cap On Guaranteed Loans?

Depending on the product, most personal loans and payday loans will have a price cap depending on the state that you are applying in. Some states have heavy restrictions in place that cap the loan at 36% APR, whilst some states are able to offer loans as high as 400% or 500% APR. This type of loan would be very costly, so it is important to compare with other financial products before proceeding.

Is Pheabs a Direct Lender?

No, we are not a direct lender. We act as a matching service to pair your loan requirements with a lender who is most likely to approve you and offer the most affordable rates. We remind you that a loan is never guaranteed, but we are pleased to offer a free solution that can help you find an affordable loan, with no obligation to proceed and no impact to your credit score.