Skip to main content

It is not 100% guaranteed that you will be accepted for a payday loan. However, it is likely that using an online payday loan service such as Phaebs will lead to you being accepted for a loan that is suitable for your personal and financial needs. Payday loans are an incredibly common practice.

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

What Are The Criteria to be Accepted for a Payday Loan? 

While it is not guaranteed that you will be accepted for a payday loan,there are only a few simple requirements in order to be eligible for a payday loan when you are applying online. These include:

  •  You must be a US resident
  • You must be at least 18 years of age
  • You need proof of a consistent income
  • You must earn a minimum of $800 per month
  • You are required to have a checking account into which your payday loan can be deposited.

You can submit an online form for a payday loan with Pheabs 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 for a payday loan. Once you have submitted this information, you will be given a series of loan options from one of our trusted lenders. Before you receive final approval, a series of checks are carried out to ensure that you will be able to repay the loan that is offered to you.

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

It is possible for you to submit a form for a payday loan with no credit check. Pheabs works with a number of lenders, some of whom can accommodate those who wish to apply for a loan with no credit check. See no credit check loans for more information.

However there is no guarantee that you will be accepted for a loan with no credit check. And no credit check loans are often less favorable and speedy as ones that include a credit check. Credit checks are a typical aspect of the loan request process. Responsible lenders do everything that 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 that you have open at the moment. This allows the lender to determine the riskiness of lending money to you. This includes how much you can borrow, how long the term of the loan should be, and whether they should approve you for a loan at all. Credit checks are important in terms of their ability  to protect both the client and the lender.


How Can I Get A Guaranteed Payday Loan


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

It is likely that your credit score will determine the type of  payday loan offer that you will receive. Indeed, some lenders may reject you on the basis of bad credit or a poor credit history. However, just because you may have a bad credit score, this does not necessarily mean that you will be unable to receive a loan.

At Pheabs, we understand that people with poor credit histories may need a loan in times of financial emergency. So we do everything that we can to help you to get the money that you need. Pheabs works with a wide array of trusted lenders who consider all types of credit histories, including poor credit. So poor credit does not mean that you will be unable to get a payday loan.

When you submit a form for a payday loan with Pheabs, it is 100% online, entirely free, and will not leave a footprint on your credit score.

How Can I Improve My Chances Of Being Approved For a Guaranteed Payday Loan?

Qualifying for a payday loan is simple, and very common. Indeed, a recent report states that about 12 million Americans use payday loans. There are several things that you are able to do to improve your chances of being approved for a payday loan. Most obviously, you must ensure that you meet the basic eligibility criteria for approval in your state (see above). And, while it is likely that you will be able to find a payday loan online even with poor credit, finding ways to improve your overall credit score will help improve the likelihood of finding a  guaranteed payday loan, and moreover finding a loan with more favorable terms.

The most important thing that you can do to improve your chances of being guaranteed a payday loan is to use a trusted broker service such as Pheabs. This is because at Pheabs, we send your loan request to a wide range of direct lenders so that you have a much better chance of finding a lender that will accommodate your specific financial situation and financial needs. Pheabs offers:

  • A speedy form submission
  • A completely free, no fee application service
  • A service where all credit histories, including poor credit scores, are considered.

Pheabs is an entirely online service that provides loan options instantly. Banks can take weeks to come to a conclusion, and can often deny poor credit scores when reviewing loan applications. If your loan request is not approved with a bank, you’ve wasted a great deal of time and effort, and still don’t have the cash that you need.

Our results come back almost immediately 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 quickly (sometimes within an hour!) in one convenient lump sum .