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When looking for a loan, you may be eager to find a credit option which is guaranteed to accept you. Some advertisements may promise guaranteed payday loans, but in reality, it is not quite as straightforward as that. While lenders try their best to help you get the funding you need, there are still necessary criteria that you must meet before you can be approved. This includes a credit check. 

What Are The Criteria For A Payday Loan? 

There are only a few simple requirements to be eligible for a payday loan. Firstly, you must be a US resident, and you have to be at least 18 years of age. You would also need to have a consistent income with earnings at a minimum of $800 per month.

Lastly, you are required to have a checking account that your payday loan can be deposited into. You can submit a form for a payday loan with Pheabs online in just a few minutes. You will need to provide some basic personal information such as your address, date of birth, and bank details to prove that you are eligible. Before you can be approved for a payday loan, a series of checks are carried out to ensure that you will be able to repay your loan.

Can I Submit A Form For A Guaranteed Payday Loan With No Credit Check?

All credit checks are an automatic part of the loan request process. Responsible lenders do everything they can to ensure that their clients can afford the loan that they are requesting before approving it. These credit checks are designed for a lender to see your credit background and what loans you have open at the moment. This allows them to determine the riskiness of lending to you, including whether you should be approved or not, how much you can borrow and more. These checks are therefore essential to protect both the client and the lender. See no credit check loans for more information.

Will My Credit Score Affect My Ability To Get A Payday Loan?

We understand that people with poor credit histories may need a loan in a financial emergency, and do everything we can to help you get the money you need. If you have a bad credit score, this does not necessarily mean you won’t receive a payday loan. Pheabs considers all credit histories, including poor credit. When you submit a form for a payday loan with Pheabs, it is 100% online, completely free, and will not leave a footprint on your credit.



How Can I Improve My chances Of Being Approved?

Using Pheabs to find a payday loan improves your chances of being approved. This is because we send your loan request to multiple direct lenders to find a loan that suits you as quickly as possible. Pheabs offers:


  • Speedy form submission
  • 100% Free, No Fees!
  • All Credit Scores Considered

With Pheabs, the loan request process is entirely online. All credit checks are an automatic part of the loan request process, which allows us to provide an instant decision on your loan. Banks can take weeks to come to a conclusion and often deny poor credit scores when reviewing your loan. If your loan request isn’t approved, you’ve wasted time and effort, and still don’t have the cash you need.

Our results come back almost instantly to help you get a running start at getting your finances under control. Once you have been approved for a payday loan with Pheabs, your money will be in your account in one lump sum the same day you are approved!