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6 top no credit check loans and payday loans for July 2022


Are you one of those Americans who wants to do a bad credit loan? Do you have a bad credit score and are in dire need of money? Are you behind with your bills or do you owe money back to a family member? Maybe your car broke down recently and you can’t afford the repair cost, or maybe you simply just need money to live.

Whatever financial circumstance you may be in, a bad credit loan with guaranteed approval and/or no credit check might be your next best option. In this in depth review, we are going to highlight some of the leading direct lenders of loans for bad credit. These money lenders are the top choices in our great American country with good customer relations.

Know that we will be impartial in this review. With all honesty, not all bad credit loan companies are good. There are a lot of companies that can present all sorts of emergency loans. What you have to watch out for, and be very careful of are the interest rates that are offered by some of these direct lenders.

It is our privilege to offer you the exclusive list of the best payday loan lenders in America. Included features are the pros and cons of each of them.

So prepare yourselves and savor all the information we will share with you. We can guarantee that this will be a great help once you’ve decided to apply for any bad credit loan out there. Here we go:

#1. MONEYMUTUAL - Best Direct Lender of Payday Loans

#2. CREDITLOAN - Top No Credit Check Loans In 2022

#3. FUNDSJOY - Bad Credit Loans With Instant Online Approval

#4. TRUE AMERICAN LOAN - Urgent Loans In 24 Hours

#5. XMASFUNDS.COM - Loans For Bad Credit In America

#6. FUNDSGIFT - $1000 Loans With Guaranteed Approval

#1. MoneyMutual - Short Term Loans For Bad Credit

You might recognize our top choice - MoneyMutual - as this is the leading emergency loan provider in the country today. They have a fast guaranteed approval rating, are reputable and have the highest customer satisfaction valuation. Not only that, they have had one of the best spokespeople a company can ask for.

Who’s not aware of Montell Williams? This guy…

He is a celebrated day time talk show host. Montell’s daytime audience grew by leaps and bounds in the 1990s. Succeeding after his fortuitous day time talk show stint, he shortly endorsed MoneyMutual.

Successful people get the crowd so in no time, Montell’s representation for MoneyMutual is a definite win for him and the company. However, his haters grabbed the opportunity and discredited him for promoting a ‘bad credit loan’ company. These haters would say that Montel was taking advantage of the less fortunate and promoting a company that just preyed on people in the time of need.

We disagree though. Montel Williams has always been an exemplary example of a model citizen both during his time as a daytime talk show host and after. His time promoting MoneyMutual was a successful endeavor.


#2.CreditLoan - Best No Credit Check Loans VS. Payday Loans

Our close 2nd is CreditLoan. They unexpectedly emerged and offered their bad credit loan services! They did not get much attention in the beginning but they are steadily rising as a strong bad credit loan lender. They offer similar loan amounts and interest rates that MoneyMutual does, however, they are a different brand, and frankly good competition for MoneyMutual.

Slowly gaining prominence, no doubt CreditLoans is the next money lender to pay attention to. They give great importance to customer service. In that, as they continue to grow as a payday loan provider, are they able to maintain the same level of outstanding customer service to their client base? We can only wait at this time knowing how aggressive the personal loan industry is.


#3. FundsJoy - Emergency Loans and Urgent Loans For Bad Credit

We highly recommend FundsJoy as a short term loan provider. We absolutely love their marketing and easy to use website. Their colorful website gives off a feeling of comfort for those searching for no credit check loans.

FundsJoy easily controlled their fast growing business. Same as CreditLoans, FundsJoy is operating successfully. As more people with bad credit apply for quick loans, are they able to handle the back end and customer service that comes along with an increased number of people taking out bad credit loans.

We cannot tell right now, we can only observe at this time and take note of its progress in time. You should keep tabs on them. We love them though, and recommend them to anyone who needs an installment loan.


# 4. TRUE AMERICAN LOAN - Top Bad Credit Loans For Seniors And Army Officers

Similar to its name, TrueAmericanLoan provides their bad credit loan services to true Americans. Their goal is to help as many true Americans as possible in obtaining payday loans.

So who is a true American? Of course they must love America. No doubt this money lender is a top pick for a lot of Americans. Every loan that you can think of - be it a payday loan, a bad credit loan, no credit check loan, short term loan, installment loan, 24 hour loan, $500 loan, $300 loan or $100 loan, this lender have it all and as long as you’re American, you can surely apply for and get approved a loan quickly.

You might ask though, is it a big company like MoneyMutual? The answer is NO. But does being big mean being better? It depends on the borrower and their comfort level when they are selecting a bad credit loan provider.


#5. XMASFUNDS.COM - Leading Provider of Bad Credit Loans During Christmas

We know what you’re thinking and the name is definitely bizarre. Still, this money lender is incredibly favored come Christmas time. Yes, astonishingly so. So many people are in great need of fast cash during the holidays, more so emergency loans.

Will the company carry out its success all year round?

Yes they did - this company still dominates the payday loan industry rather well even though it’s no longer Christmas. Why? We think it is because people just love Christmas. People see nothing wrong in celebrating Christmas all throughout the year.

So no time to lose! Check their website in the link below, especially if you want to apply for $5000 loans.


#6. FundsGift - Payday Loan Direct Lender

Here is a rather recent addition to the money lending industry - FundsGift. In our opinion, this company can match up to MoneyMutual in time. See what we did there?

What’s remarkable with FundsJoy is their brisk growth of their client base.They are rapidly giving out all sorts of bad credit loans with guaranteed approval. It’s that fast paced in that you will be under the impression that they are already in the business for a long time!

As we see the success of FundsGift, what we will be most anticipating is if they will exceed the success of MoneyMutual. There are different opinions at this time.

What’s sure is, when it comes to short term loans and 24 hour loans, FundsGift is definitely the champion. Look into MoneyMutual if you are wanting the $5000 loans and $10000 loans.


What Is A Bad Credit Score?

A bad credit score is a score that is below 650. This score means that you have made some late payments, have a high amount of debt, or have declared bankruptcy in the past. If you have a bad credit score, it can be difficult to get loans, credit cards, and mortgages. You may also have to pay higher interest rates if you are approved for a loan.

What Are No Credit Check Loans?

No credit check loans are a type of loan where the lender does not check your credit history before approving you for the loan. This can be beneficial for people who have bad credit or no credit history at all. Even if you have a good credit score, you may still want to get a no credit check loan if you need the money quickly and don't want to go through the hassle of getting a traditional loan. There are several different types of no credit check loans, including payday loans, title loans, and installment loans.

The Pros And Cons Of No Credit Check Loans

There are both pros and cons to taking out a no credit check loan. On the plus side, these loans are easy to qualify for and they don't require a good credit score. This means that people with bad credit can still get the money they need. On the downside, no credit check loans usually have higher interest rates than loans that do require a credit check. This means that you'll end up paying more in the long run.

How Can You Avoid No Credit Check Loan Scams?

No credit check loans can be a great option for people with bad credit. However, it is important to be aware of the potential scams that can be associated with these types of loans. There are many companies that will advertise no credit check loans, but then charge exorbitant interest rates or fees. It is important to do your research before taking out a no credit check loan, and to make sure that you are getting the best deal possible.

Interest Rates And No Credit Check Loans

There are a few things to consider when shopping for a no credit check loan. The first is the interest rate. These types of loans typically have higher interest rates than traditional loans because they are considered to be higher risk. Be sure to shop around and compare rates before choosing a loan. Another thing to consider is the terms of the loan. No credit check loans often have shorter terms, so you will need to make sure you can afford the monthly payments. Finally, be sure to read all the fine print before signing any loan documents.

Final Words On Short Term Loans For Bad Credit

This is it then. We have presented to you six of the top bad credit loan lenders in America. As agreed, we have shown you the positives and negatives of each loan lender.

It is not up to you to select which bad credit lender is the best match for you. With this article, a lot of borrowers can make their decision as to which lender to choose from. Not surprisingly, there are those who are indecisive on which payday loan provider will be good for them.

If you are like them, worry not. There are others who are in the same boat as you. What we recommend is to choose the biggest bad credit loan provider in America today! You might remember the name - MoneyMutual.

Please feel free to visit their website by using the link below so you can start your way in applying for the best bad credit loan for you!