Bad Credit Loans with Guaranteed Approval

Having a bad credit score or a bad credit history can make finding a loan seem like a daunting task - at least until you learn about EZPaydayCash. But with us, you can be rest assured of getting a loan. We provide bad credit loans with guaranteed approvals for all eligible borrowers. So, if you meet all our eligibility requirements by providing complete and authentic details and documents, you can rest assured that a loan shall certainly be available to you.

What are Bad Credit Loans?

Bad credit loans are short- to medium- term loans offered by direct lenders to borrowers whose credit score or performance is "bad" enough for them to be disqualified from traditional loans; typically, a credit score under 670 or 600 (depending on the credit union being referred to) would be considered unhealthy and similarly a credit score below 580 or 500 would be considered poor.

A bad credit loan from EZPaydayCash offers these key benefits to borrowers:

No hard credit checks - enabling the loan process to be faster while also allowing your credit score to remain untouched
Flexibility - allowing you to choose your repayment pattern (subject to eligibility)
A fully online process - providing access from anywhere, at any time
Reliability - with an approval rate of above 90%

Start Your Loan Application

Loan Amount
First Name
Last Name
Email
Home Phone

I Need an Urgent Loan. What Should I Do?

At EZPaydayCash, our loans:

Require no pre-approval or registration
Are not restricted to borrowers with good credit performance
Welcome borrowers with previous loan rejections
Are reliable with a high rate of approval
Provide instant approvals once the eligibility is verified
Offer a direct deposit to your account once you accept our offer

So, if you need an urgent loan and even if you have a bad credit score, you can rest assured that we would be able to assist you. Most of our loans that are applied for during business hours, are delivered within a single day.

Will a No Credit Check Loan Affect My Credit Performance?

No, a no credit check loan from EZPaydayCash shall not affect your credit performance unlike traditional loans that feature credit checks.

These loans skip the hard credit check process. If your credit scores are already low, the hard credit check performed as a part of the approval process of most loans could potentially dent your credit score when you apply for such a loan.

My Credit Score is Very Bad. Do You Provide Loans for Borrowers with Extremely Bad Credit Performance?

Yes, we do. Our loan approval is primarily based upon your income. So even if you have an extremely bad credit score (around 250), you need not worry about it while applying for a loan from us, as long as you have a verifiable stable income.

Can I Get a Loan if I Have a Low Income and a Bad Credit Score?

The answer to this question is not straightforward. A bad credit loan can only be safe for borrowers who have a stable source of income to cover the loan repayments. However, it is not necessary that your income be in the form of salary or paychecks only. In some cases, you can be considered eligible for a loan even if you can prove a stable income through other sources such as a business or bonds.

So, if you have a low income and a bad credit score, you can still apply for our loan. Since applying for a loan with EZPaydayCash does not cost you or impact your credit performance, there's no harm in applying for the loan.

Apply Online for a Bad Credit Loan

It is easy to apply for an online loan for bad credit borrowers from EZPaydayCash. All we shall need from you is your:

Social Security Number
Age proof (must be 18 years of age or above)
Checking/savings account details
Bank statements/income stubs
Valid contact details

You can proceed to the online loan application and shortly after you fill in and submit all the required details, a customer service expert from our team shall be in touch with you to work towards a suitable loan offer!

Looking for Bad Credit Loans Guaranteed Approval?

Apply Now

Applying Does NOT Affect Your Credit Score

*I have read and understand the Terms and Conditions & Privacy Policy of this loan.

Consumer Notice: A payday advance is a small, short-term loan intended to cover a borrower's expenses until the next payday. Payday advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory assistance. Consumers are encouraged to learn more about the risks involved with payday advances, local laws and regulations that may apply to payday advances, possible loan alternatives and recent developments in their state.

Legal Disclaimer: EZPaydayCash.com is a legitimate direct lender authorized to lend money to genuine borrowers where the interest rate, term and maximum amount that can be borrowed are solely decided by the company. Without authentic and verifiable information in the application, funding by no means is guaranteed. Upon requirement, the prospective borrower is expected to provide additional document/information- failing which would result in rejection of the loan application. While reviewing loan applications, we typically do not perform credit checks with the three major credit reporting bureaus (Equifax, Experian and TransUnion). However, soft credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained in certain circumstances. You will not be charged any fees to use EZPaydayCash.com's service. Learn more by reading our Rates & Fees section. To change your communication preferences for this website or to submit a comment or question you can contact us.

Availability: Residents of some states may not be eligible for a payday advance based upon lender requirements. EZPaydayCash.com does not guarantee that completing an inquiry form will result in being offered a loan product with satisfactory terms or rates. It is also worth noting that any loan request submitted on Friday after 6:00 PM EST will be processed on the next business day. For inquiries related to our services you may Email us at support@ezpaydaycash.com