Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Guaranteed Payday Loans

  • Safety Net Credit

    A new and smart direct lender with a difference, no transfer fees and loans funded within an hour.

    Apply Now
  • MYJAR Loans

    MYJAR is direct and trusted short term lender. You can borrow up to £1000 now and up to £2500 later.

    Apply Now
  • Satsuma Loans

    Satsuma Loans start between £100-£1000 for new customers choose to pay it back over 13-52 weeks

    Apply Now
  • Ferratum

    Loans of up to £300 for new customers and £1000 for existing customers

    Apply Now
  • Money Boat Loans

    Money Boat is an instalment lender bringing you clear and manageable loans of up to £1500.

    Apply Now
  • Wage Day Advance

    A short term loan that allows you to borrow up to £350 and repay on your next payday or earlier.

    Apply Now
  • Loans 2 Go

    Loans 2 Go Personal Loans, offer instalment loans of up to £1000 repayable over 18 months.

    Apply Now
  • Piggy Bank

    Applicants can borrow from £100-£1000 for up to 5 months and spread repayments over several months

    Apply Now

A guaranteed payday loan is one that guarantees the acceptance of you application on the required information has been submitted to the lender. Also referred to as high acceptance rate loans, guaranteed loans indicate a lender is more likely to approve an application than other product offerings with a similar purpose.

By applying for a guaranteed payday loan online, a borrower can request up to £1,500 from the payday loan direct lender. In order to apply, specific information must be provided through the online application process. Most commonly, information regarding your residence, current employment status, and details regarding the bank account that will be receiving the deposit are necessary to complete the process. Once the application has been processed, funds will be deposited directly into the bank account you selected.

Guaranteed payday loans are most often used by individuals who need funds in order to manage an emergency and cannot afford to be declined. Emergencies that may constitute the use of a guaranteed payday loan can include utility payments to avoid service disconnection, emergency vehicle repairs, or other unexpected expenses that cannot be put off easily.

Funds from guaranteed payday loans are often expected to be repaid with the borrower’s next salary payment. The precise repayment date will be noted when the loan is funded and is most often expected to be repaid in a single lump sum. Loans over a certain threshold may qualify to be repaid in instalments depending on the terms offered by the lender. Repayment will include funds directed toward the principle, as well as any applicable interest owed.

When comparing lenders to determine which option may best suit a borrower’s needs, one of the most important considerations is the APR as this reflects the amount of interest that will be accrued during the time the funds are borrowed. Currently, new FCA regulations price cap payday loans daily interest rates at 0.8%. This serves as a simple way to compare payday loan lenders in order to determine which option may be more cost effective based on the borrower’s specific situation. Additional information regarding Lenders List approved lenders can be found on the individual page for each lender included on this website.

Guaranteed Payday Loans Bad Credit

Some guaranteed payday loan lenders do perform credit checks, which are designed to allow a lender to determine the level of risk the borrower presents in regards to potentially defaulting on the debt based on prior credit activity.  If a borrower is interested in a guaranteed payday loan, but currently has a poor credit rating, it is wise to only consider lenders that do not require a credit check as part of their decision-making process for approving loan applications.

In cases where guaranteed payday loan lenders do not require a credit check, other information is often required to determine a borrower’s overall eligibility.  This can include basic information required to verify current employment or income sources, as well as other factors use to determine a borrower’s level of risk.  When a payday loan is approved for a borrower with bad credit, it may come with higher interest rates, or other associated fees, designed to compensate the lender for assuming the higher level of risk.

Some lenders may also require collateral to be pledged against the debt.  Acceptable collateral can include real estate, vehicles, or other items of confirmed value.  This helps mitigate the risk to the institution as, should the borrower default, the lender can seize the pledged property in case of borrower default.

Guaranteed Payday Loans Online

A guaranteed payday loan application can be completed online for a wide variety of lenders.  Borrowers are required to provide certain details regarding their current living situation, employer and salary, and details identifying the bank account in which the funds are to be deposited. Once it is determined if the borrower meets the minimum criteria for approval, the funds can be transferred directly into the aforementioned bank account. Some institutions can deposit funds on the same day which the application was received, at times in amounts over £1,000.

Online guaranteed loan applications can be completed entirely over the internet, including the filing of the application materials as well as the completion of various electronic signatures. The primary means of correspondence during the processing period is email, though lenders may choose to contact borrowers by phone under certain circumstances.

The online process can be preferable to traditional, in-person applications. For example, borrowers who complete their guaranteed payday loan application online don’t need to go to their local high street, queue up at their local bank, gather any necessary forms, complete the required paperwork, and then placing it in the post just to end up having to wait even longer for a decision. In cases where funds are required quickly, the online guaranteed payday loan process can be a preferable method.

Guaranteed Payday Loans

At The Lenders List, we compare a number of payday loan lenders. We work with over 30 responsible direct lenders who will carry out thorough credit and affordability checks before providing a loan, so many may not offer guaranteed payday loan options. Carrying out the relevant checks is essential to ensure that borrowers are able to afford the repayment terms without any undue hardship.

Certain online loan companies that prominently advertise guaranteed payday loans may not actually be the company that will ultimately provide the borrower the promised funds. In some cases, the 100% acceptance guarantee is made by a broker, and not a direct lender. In these cases, the broker may send your information to multiple companies until a lender approves the application. Not only can this cause your information to be distributed to multiple lenders without your direct knowledge or consent, many brokers also charge upfront fees in order to use their services.

The Lenders List aims to offer a responsible comparison service. Lenders that are included on the Lenders List must be direct lenders with operations based within the UK. Additionally, Lenders List approved lenders will not charge any fees until a loan is approved, meaning they will determine your eligibility for a particular loan product free of charge. Approved lenders currently meet the guidelines as set forth by the Financial Conduct Authority (FCA) and are approved to operate as lenders.