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Top 7 Payday Loans and Emergency Loans in 2022

Here's our list of the best bad credit loans with guaranteed approval.
By Quick Secure Mortgage |
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Quick Secure Mortgage

July 4th is right around the corner.  What does that mean to you as an American?  It is a time for celebration and a time to acknowledge our great country.  No matter what party, barbeque, or event you might find yourself at on the 4th of July, there is one reality that we cannot ignore. 

That reality is that so many of our fellow Americans struggle each and every day in order to make ends meet.  So many fellow Americans have bad credit scores and have taken out many bad credit loans in their past. 

Maybe you are not familiar with bad credit loans and maybe you are well versed.  The harsh reality is that many Americans do not have enough money in order to meet their basic expenses. 

The harder they try to stay above water with their bills, the harder it seems to stay afloat. 

In this article, we are going to be talking about a few very important companies in America.  These companies are bad credit loan lenders, and they give out all types of loans for bad credit to people each and every year. 

Before we get into it, we would like to present to you a list of the top 7 bad credit loan lenders that we will be reviewing in this article.  Here they are in no particular order:

#1. FUNDSGIFTS – Best Bad Credit Loan Lender

#2. MONEYMUTUAL – Top Loans for Bad Credit Provider

#3. CREDITLOAN – Emergency Loans with Guaranteed Approval

#4. CASHUSA.COM – Payday loans And Short-Term Loans

#5. MARKETLOANS – 24-Hour Loans and Cash Advances

#6. TAKEFAST3K – $500 Loans with Instant Approval

#7. SUPPLYPLANS – No Credit Check Loans for Bad Credit

The types of personal loans that these money lenders give out are as follows:

  • Payday loans
  • Short term loans
  • Installment loans
  • 24-hour loans
  • $500 loans
  • $300 loans
  • $100 loans
  • Bad credit loans
  • Emergency loans
  • Payday loans online
  • Emergency loans for bad credit
  • No credit check loans
  • No credit check loans with guaranteed approval

Now let’s get into it, and let’s begin this review.  We are going to highlight some of these payday loan lenders, and we will give our opinion on whether we think they are a good company to deal with or a bad one.

#1. FUNDSGIFTS – Best Payday Loan for Bad Credit

FundsGifts is a company that knows how to celebrate.  With the 4th of July just around the corner, this company is not shutting down. Rather they are looking to expand and expand big by offering as many Americans as possible bad credit loans. 

Let’s be clear of course, FundsGifts is always in the business of offering emergency loans to its client base. That will never change.  The point we are trying to get across is that around Independence Day, you always have companies that want to shut down and enjoy the holiday.  Well, that is not FundsGifts. 

FundsGifts will continue to work around the clock to try to provide as many Americans as possible with bad credit loans.  Keeping in mind of course that potential borrowers who are looking for no credit check loans will be applying online via FundsGifts’ online platform. 

This makes the process very easy for them as they are able to centralize their employees, especially over the July 4th weekend.  Keeping all employees in the same location can provide some good support and collaboration amongst themselves. 

So, if you are ready to check out and see which bad credit loan provider is the right one for you, you should give FundsGifts a chance. Visit their website by clicking on the URL below. 

#2. MONEYMUTUAL – Best No Credit Check Lender with Guaranteed Approval

MoneyMutual will definitely be open and ready for business over the July 4th weekend.  If you follow the bad credit loan industry you will quickly find out. (If you have not already) that MoneyMutual has been around for a very long time.  Since they have been around for a long time, they have dealt with many Independence Day weekends. 

What they have learned after all of this is that often they will see an increase in people who are searching for bad credit loans online.  Not only do they see an increase in the search term for bad credit loans, rather, they also see an increase in all of the following search terms:

  • Payday loans
  • Short term loans
  • Cash advances
  • Quick loans
  • Fast loans
  • Speedy loans
  • Speedy money
  • Emergency loans for bad credit
  • Loans for bad credit
  • No credit check loans

So, if you are looking for a well-established direct lender to get a bad credit loan from, you don’t have far to look.  Moneymutual by far will be your best option.  You can visit their official website by clicking on the link below.

#3. CREDITLOAN – Best Emergency Loans With 24 Hour Approval

CreditLoan is a powerhouse direct lender that most people should know about.  If you don’t know about them, now you do. 

They will be working hard over the July 4th weekend, helping countless customers with their bad credit loans.  In recent years, they have obtained a very strong reputation.  Some insiders that watch the bad credit loan industry carefully say that CreditLoan will soon take over as the number one provider of emergency loans in the United States.

That is a pretty massive claim if you ask us.  The future is yet to be determined.  And when we look at all of the other players out there in the bad credit loan space, any company, if they work hard at it, could come and take the number one spot.  For example, let’s take a look at CashUSA.com in our next write-up.

#4. CashUSA.com – Top Short-Term Loan Company

Just like MoneyMutual, CashUSA.com has been around for a long time.  That means that during the July 4th Long Weekend, they will be working hard to take on new clients.  The common theme with the bad credit loan companies that have been around for a long time is that during the holidays, they are always working. 

Also, keep in mind that CashUSA.com also does all of their applications for loans online.  As such, during the Independence Day Long weekend, there will be no downtime for them since all of the applications are done online.

Also, any new bad credit loan company that comes onto the scene these days will be doing all of their prospectings online.  FundsGifts is a great example.  They are relatively new, and they do all of their applications for bad credit loans online.

Now you can visit CashUSA.com’s official website.  They are a great lender and can offer all types of bad credit loans to their borrowers. 

#5. MARKETLOANS – Top Installment Loans from Direct Lenders

If you have not heard of MarketLoans before, you are not alone. They are not one of the most popular bad credit loan lenders out there. Companies like MoneyMutual, CreditLoan, and FundsJoy have much greater market share.

Despite this, MarketLoans is a company that we like. As time progresses and as MarketLoans gains more loyal borrowers, it will be interesting to see how they deal with the growth of the company.  If they are to ever get to the same level as MoneyMutual, it will be interesting to see which company takes over as the better bad credit loan lender.

You should check out MarketLoans. You have absolutely nothing to lose. We like their website and the soft color pallet they have chosen.

#6. TAKEFAST3K – No Credit Check with Guaranteed Approval Loans

This one has a funny name, but let me tell you, nothing about these loan offers is funny. TakeFast3k is new to the bad credit loan industry.  They have a lot to prove.  First off, they need to establish a strong customer base.  Once they have a strong customer base, they need to take care of these customers in order to ensure their loyalty. 

The 4th of July Long Weekend is coming and that is going to be a big test for TakeFast3k.  They are going to be tested a lot over the weekend.  It is going to be interesting to see if they can keep up with the volume of online loan applications they are getting.  A company like MoneyMutual has all of its systems figured out and can operate at a high level. 

However, TakeFast3k is not quite there yet.  They are going to have to hustle to make sure that they return all of their customer’s inquiries.  Also, they are going to have to make sure they fulfill all of their online loan applications. 

Remember that new companies like TakeFast3K are tech-savvy and they build all of their systems online.  Meaning that all of their loan applications will be taken online.  This means that they may be able to keep up with all of the demand that is experienced over the holidays, and especially the 4th of July long week

#7. SUPPLYPLANS – Best Bad Credit Loans with Guaranteed Approval and Top Online Personal Loans for Students

Another unusual name for a bad credit loan provider.  However, this company is producing mega results.  We don’t know if it is because of their digital presence or their excellent customer service.

One thing we love about this emergency loan provider is their webpage and the use of colors on their site.  They effectively use purple with a yellow call to action button.  The contrast between the 2 colors is so important.  New companies that continue to come onto the scene, will always try to have a smart digital presence. 

One thing we can’t forget though is their ability or lack of ability to deal with the rush during the holiday time.  With July 4th around the corner, one of the biggest challenges for this company is going to center around whether or not they can keep up with the volume of applicants they are getting. 

If they are able to keep up with the number of requests and fulfill all of their online loan applications, that will be an impressive feat. 

You can visit the official website of SupplyPlan Loans by clicking on the link below.  If you are looking for a payday loan, this would be a good option for you.


Conclusion: Bad Credit Loans with Guaranteed Approval

America is the greatest country in the world, there is no question about that.  In the great nation we have so many different payday loan lenders to choose from.  We reviewed 7 of the best lenders in this article, however, it is important to note that there are many more that you can select from.

When you are in search of a loan for bad credit, there are a couple of major things you should be aware of. Number one, is the company you are dealing with legit and number two, how are their customer service commitments. 

Money Lenders like the 7 that we have talked about in this article all have a good customer service team.  They are all able to handle the volume of inquiries that they get.  In addition to that, these bad credit loan lenders are all able to offer acceptable interest rates. 

Therefore, it is without hesitation that we recommend any of these 7 bad credit loan lenders.  It is up to you which one you chose.  Rest assured that when you apply via their online loan platform, it will be a straightforward process for you.

If you are stuck and do not know which money lender to pick, we highly recommend you stick with one of the best in America.  That lender would be MoneyMutual.  In our opinion, they are the best bad credit loan lender with the most favorable interest rates and best customer service.  You can apply for a bad credit loan by clicking on this link.

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