Instant Payday Loans Online With Guaranteed Approval

Are you struggling to get credit from banks? Have you tried friends, and credit unions and still gotten no help? Don’t give in just yet. You’ve got iPaydayLoans to help and that’s a real plus! Connect with iPaydayLoans today and let’s help you get some good cash.

Want to borrow more than $5,000? Click here!

What are Instant Payday Loans?

Smart financial moves like cutting back your expenses, getting a side gig, selling off personal items, or borrowing from family and friends are enough to get you through financially tricky situations. However, in an emergency, these cash sources may not come through for you so quickly. But an instant payday loan can, and usually would.

An instant payday loan is a short-term loan used to cover urgent needs, bills, and expenses between paychecks. They are a good deal for those struggling to get credit from traditional lending institutions or are in an emergency.

Do Instant Payday Loans with Guaranteed Approval Really Exist?

Instant payday loans do exist. However, there’s no guarantee as such. The chances are only higher with instant payday loans relative to loan offers from traditional lending institutions. Most often than not, you should get approved for a payday loan once you meet the basic eligibility requirements. The basic eligibility requirements include that you;

  • Must be at least 18 years old
  • Must be a resident of the US
  • Have a government-issued ID
  • Be able to show proof of income
  • Must have a valid and active checking account

There are a few other requirements that different lenders set. So you might want to check the lender’s eligibility requirements before applying. If you apply for a loan via a loan broker, you don’t have to bother about this set of requirements since you won’t be connected with lenders whose requirements you do not meet in the first place.

Are There Guaranteed Payday Loans With No Credit Check?

Not in every sense of the word. Credit checks are a must-do for every lender in the US. Every US lender is required by the country’s financial regulators to run credit checks on their customers. However, some lenders understand the fear of borrowers as it concerns credit checks. Multiple credit checks reported to the major crediting bureaus can hurt the borrower’s credit score. So, this set of lenders runs only soft credit checks.

Soft credit checks are as good as no credit checks because they do not hurt the borrower’s credit ratings. Established loan broker names like iPaydayLoans connect you with lenders who run only soft credit checks on their customers.

How To Apply For Instant Payday Loans With Instant Approval?

Submitting a request for payday loan is as simple as ABC. This is especially so when dealing with broker services that prioritize convenience, quick approval decisions, and most importantly, quick funding. Here’s how to apply for instant payday loans with instant approval on iPaydayLoans.

  • Begin the loan request process by answering all questions on the form. The questions border around your name, address, contact information, the purpose of the loan, credit score, how much you currently earn, etc.
  • Your loan request form will be shared with all lenders in iPaydayLoans network of lenders. They will review your request and approve you or not based on their assessment of your income and financial capability to pack back the loan on time.
  • Willing lenders will send you a quote.
  • Review the contents of the quote and close a loan deal with the lender whose conditions are most closely related to your preferences. You close the deal by signing the quote. This can be done electronically.
  • Sit back, relax and expect your payment. It should be disbursed as quickly as the next hour, or at most, the following business day.

How much would you like?


How Can I Increase My Chances of Getting Instant Payday Loans?

Having established that there are no guarantees on approval, one question that’s probably still bugging you is whether there are any ways you could increase your chances of landing this loan. Yes, there are. In fact, a handful of them. Here they are:

Improve your credit score

Although the importance of credit score is often relegated to the bottom when it concerns payday loans, it’s still important. The better your credit score, the less lending risk the lender sees you as. Consequently, the interest rates charged on the loan are smaller and the credit amount, higher.

Be sure you satisfy all eligibility requirements before submitting a request

Do not jump the gun. Check the eligibility requirements to see if you satisfy all, without an exception. Usually, satisfying these requirements improves your chances by almost half. If you apply for a loan with a broker service like iPaydayLoans, satisfying these requirements alone increases your chances to nearly 80%.

Have proof of income

Affordability checks are given with payday loan lenders. They’d run affordability checks on your profile with a special focus on your employment history, current income, and how long you’ve been at your current job. Ensure you have proof of income to show you are currently employed and can afford to return the loan from your next paycheck.

Can I Get Instant Payday Loans With Bad Credit from Direct Lenders?

Yes, you can. But pay attention to the following first. To begin with, approval for instant payday loans with bad credit is not guaranteed with direct lenders. But your chances are sky-high if you request a loan with a broker service like iPaydayLoans.

Usually, your chances of landing a loan get slimmer with every passing rejection. If lender A refuses you a loan, lender B is also likely to because they can see you were refused a loan by lender A.

However, with a broker service like iPaydayLoans, many lenders can see your loan request in one application. Your chances of approval are higher this way. iPaydayLoans connects you to lenders with approval rates greater than 97%.

Another thing to note is that your credit score doesn’t matter much. Yes, good credit always puts you in an advantageous position. At the same time, many payday loan lenders pay more attention to your employment, how long you’ve had the job, income, and other metrics that assure them you can repay the loan on time.

default imgWhy Us
How much can I borrow?$50-$35,000No hidden fees or charges
I have bad credit. Can I apply?YesBad credit is considered
Over how long can I spread the repayments?1-36 monthsFast decisions
Are credit checks involved?YesSoft credit checks only
Chances of getting approvalsGood256-bit encryption protocol
How to apply?Apply onlineEasy application
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What Should I Look for Before Taking Out "Guaranteed" Payday Loans?

If those bills can’t wait till your next payday or your paycheck can’t settle those bills in the first place, you definitely need some extra cash. It could come in handy and help you put things in place. A payday loan is a good place to start. But there are some things to bear in mind when taking out a payday loan:

How much you need

Make a list of things you could fund with that extra cash. Take out your wants and leave only your needs on this list. Rearrange the needs in order of priority and trim the list, so it contains only what needs urgent attention. Now, how much do you need to sort these emergencies? Take out only this and nothing more. Never take out more than you really need.

Terms of the contract

Before closing the loan, take some time to review the loan’s terms and conditions. Read between the lines and be sure they are conditions you can work with it. You are free to ask your lender to explain parts of the contract that are not clear to you. You may also ask for revisions for conditions that do not go down well with you. Remember you are not obliged to sign the quote unless you are totally fine with the conditions of the loan.

Laws of the state

The maximum credit you can get when you have bad credit differs from state to state. Before taking out a loan, take some time out to look at the state’s lending laws. Paying even closer attention to those concerning people with bad credit.

Financial capacity to pay back on time

Are you financially buoyant to pay back on time? If you aren’t at the moment, be sure you have a repayment plan. Otherwise, taking out this loan may be a bad idea. Payday loans are short-term loans and have a typical loan term of one month. Most lenders may charge you late payment fees if you default on payment so you want to be sure you have enough to repay the loan on the due date.


What Does Guaranteed Approval Mean?

‘Guaranteed approval’ is assurance that a borrower will be funded by a lender once they submit a loan request. However, this isn’t entirely true. Approval isn’t guaranteed unless the borrower matches the lender’s exact lending criteria. Therefore, the guaranteed approval advertised by most lenders means that there is a high chance of getting approved for a loan even if the credit score isn’t so high.

How Much Can I Get With an Instant Payday Loan?

A number of factors are taken into account when lenders determine the amounts. They will look at your income, debt-to-income ratios, and your employment status to make sure you can afford to pay them back. But loan brokers like iPaydayLoans can connect you to lenders who may give you $5,000 instant payday loans.

How Soon Can I Get the Money?

Let’s begin with which lender are you approaching. Some lenders take two to three days to process the loan. For a few people, that’s fine considering that bank loans weren’t an option. For others, that’s not fine. If you belong to the latter category, you may want to approach iPaydayLoans instead. Our partner lenders can get you a payday loan anything from the next hour to the following business day.

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iPaydayLoans Puts You First

We understand how rising bills and expenses can get the better of you and leave you distraught. Getting rejections from multiple lenders won’t make you feel any better. We value you, we put you first. That’s why we will be connecting you only with lenders with 97% approval rates. Submit a loan request right away.

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iPaydayLoans is a company committed to connecting borrowers to hundreds of reputable online lenders to apply and get small-dollar payday loans quickly, easily, and securely, helping cope with life emergencies like paying medical bills, home, or car repairs, and so on.

Customer Note: A payday loan is traditionally used to help people borrow a small sum of money until the next upcoming payday. It's a short-term solution to cover unexpected expenses when people have no savings or deep pockets. Those who find themselves in a bind with their budget and want to refill it with credits should seek the advice of a professional financial assistant. A borrower also has to peruse local regulations related to a payday loan.

Availability: The service of this platform may not be accessible to people based in restricted states. Please check the local regulations to find out its availability in the area. Rules of this website are subject to change without notifications.

NOT A LENDER Disclosure: iPaydayLoans is not a lender but a broker and does not charge you any fees for our broker services. The lenders or other broker services we introduce to our customers through this website may pay us commissions if customers enter into a credit agreement with them.

Disclaimer: iPaydayLoans is not a lender, does not take applications or make loans or credit decisions. We are not an agent, representative or broker of any lender. We provide a service to connect you to a lender from our network. We do not control and are not responsible for any lender's actions or decisions.