5 Personal Loans With Guaranteed Instant Approval

There is always a reason to require personal loans with guaranteed approval. Uncertainties surround us every time, which makes our day-to-day life more difficult. When these uncertainties get us, we move up and down, looking for money to help us out.

It could probably be in the middle of the month, and you do not expect any money sooner. All in all, the emergency needs to be administered, and that’s where personal payday loans come into play.

This article will unveil the five places where you can get personal loans with guaranteed instant approval. And  I think this will be able to solve your emergencies. But first, let’s know more about instant personal loans.

What is an Instant Personal Loan?

When I talk of personal loans, I mean the kind of loans you can use for your benefits, not business. With personal loans, you can do whatever you want with them, and there is no restriction on what you should do with the money you get.

Some lenders approve Instant personal loans within a short while. And that will be good criteria to deal well with your emergency requirements.

You may require personal loans for requirements like a wedding, traveling, education, or house renovation.

Now, where you can get personal loans with guaranteed instant approval.

1. VivaPayday loans

Vivapaydays is a platform that unites borrowers with lenders. It has a lot of lenders who can even accommodate those with bad credit scores. So if you have a very pressing emergency, then Vivapayday loans are the place to run because they can approve your loan within two minutes.

The good thing about Vivapaydays loans is that the process is entirely online, and you don’t need to keep dragging to and from offices. In addition, the online process is simple, reliable, and swift. It would be best to be confident with viva payday loans because there is instant approval of any personal loan you want.

In Vivapaydays, you can even apply for installment personal loans, which you will pay over a stretched period.

The eligibility criteria for Vivapayday loans

  • You must have at least 18 years of age
  • You should be receiving at least $1000monthly salary
  • Have an active checking account
  • Provide an actual address
  • You should have valid identification documents

The average interest rate in Vivapayday loans is 5.99% to 35.99%, and you can repay from 2 to 24 months. The limits of Vivapayday loans range from $500 to $5,000.

2. MoneyMutual

MoneyMutual is yet another platform where you can get personal loans with guaranteed approval. You also conduct the application process online and still get approved quickly.

Money Mutual started back in 2010, and now it’s used by millions of clients to solve their financial emergencies. The agency has more than 60 lenders who are committed to helping borrowers meet their financial goals.

MoneyMutual, due to its broad range of lenders, can accommodate even those with bad credit history. In addition, the application process is fast and reliable, and you can get the funds within 24 hours, which is fair enough for sorting out emergency needs.

MoneyMutual does not charge the borrowers any fees while applying for personal installment or payday loans.

It has eligibility criteria common to that of Vivapayday loans.

3.  CashUSA

5 Personal Loans With Guaranteed Instant Approval

CashUSA is another platform where you can get personal loans with instant approval in the USA. CashUSA is a reputable and most reliable source of personal loans, payday loans, and installment loans to US citizens.

The borrowers do not pay any fees on the platform for them to get a loan. Instead, it links them with potential lenders who can quickly solve their financial crisis.

The maximum loan available in CashUSA is $10,000 from a minimum of $400.

4. PersonalLoans.com

Personal loans is another platform that you can get personal loans with guaranteed approval. Personal loans.com connects lenders with borrowers at the right time.

If there is no lender to offer you a loan, the platform can engage a third party to help you get a personal loan. The repayment period of personal loans in this platform can go up to 72 months. And these flexible payments are good for improving your credit score if you have a bad one.

5. Credit loan

Credi loan is yet another platform that can link borrowers with potential lenders. This company has been in operation since 1998, making it to be among the oldest online lenders. The lenders approve loans in 24 hours.

The highest limit on this platform can go up to $5,000. Hence it’s only convenient for those who need a small loan.

ALSO CHECK: What are Tribal Loans? 

The bottom line

Getting a personal loan is simple, but you should always take precautions before you apply for any amount of loan.

What are Tribal Loans? 5 Things to Know About Them

What ticks on your mind if you hear the term tribal? Well, it might not be something good considering the discrimination that we have heard over the years. However, you don’t have to worry about discrimination right now.

Let’s know more about tribal loans.

What are Tribal loans?

Tribal loans are the ones that Native Americans or Indians give out within their tribes. However, tribal loan lenders can still accept online applications even from those who don’t stay within the tribe line.

Many times, tribal loans lenders market themselves as alternatives to payday loans. However, they are not that better than the payday loans themselves.

Personal loans, however, are not permitted in many countries sure to their high and exceptional interest rates. The high interest rates often make the repayment to before hectic and troublesome.

That’s why we have these lenders who have coated themselves as tribal loan lenders. But they still siphon the high-interest rates from unsuspecting borrowers who need emergency cash.

The Consumer Financial Protection Bureau (CFPB) has no specific meaning of tribal loans and how they should operate.

Tribal loans are far different from actual payday loans because they charge a higher interest rate than ordinary payday loans.

Consumers should worry about the tribal loans because they are more exposed to risk due to unregulated tribal loans.

What to know about tribal loans

Here are some aspects you should understand before you start applying for tribal loans.

1. They charge very high interest rates

Since the CFPB does not regulate them, tribal loan lenders misuse their borrowers by charging them very high interest rates. For example, the lenders charge $15 for every $100, which is way too expensive compared to payday loans which charge $10 for every $100.

The APR of tribal loans ranges from 440% up to 950% compared to ordinary payday loans with an average APR of 399%.

2. Tribal loans are short-termed

Just like payday loans, tribal loans are also short-termed. However, borrowers can pay tribal loans in smaller installments that do not go beyond one year. However, all that matters is how far you want to stretch the loan. The earlier you pay, the smaller the interest, and the longer you dwell on the repayment process, the higher the interest rates.

3.  Tribal lenders have exempted themselves from the federal regulations

Some tribal loan lenders have said that the payday loan rules do not apply to them and should be part of CFPB regulations. Payday loans are not in some countries because CFPB has ruled out that they are costly and usually a debt trap.

With the high interest rates associated with payday loans, it’s easy to keep rotating on the same table, unable to clear the loan entirely.

However, tribal loan lenders have exempted themselves from payday loans. They said that they are community-owned lenders, and the rules should not apply to them.

That’s why borrowers should be keen before they can dip their feet in the tribal loans. But, unfortunately, there is no regulatory body that will save you from the claws of these tribal lenders.

4. There is an online application

Individuals with bad credit can also apply for tribal loans. The application process is straightforward. The lenders can take up to 24 hours or less to approve your loan. However, you can get the money in your account on the next business day in some instances.

5. Deals with small amounts of money

If you are looking for a huge amount of money to buy a house or a car, then tribal loans are not a good choice for you. Furthermore, the interest rates are too high, so the higher the amount, the higher and the interest. And, probably, you don’t want to get stuck on payments along the way.

The lenders have a complete obligation to decide how much to give you for those with bad credit. The loan limits range from $100 to $1,000.

Tribals loans can only sort out your small emergency requirements that do not require a large amount of cash. For example, if you need to fund your wedding or buy groceries, you may consider getting a tribal loan.


It’s always advisable to take only small loans that you can comfortably repay in the designated time. If you need to struggle with a bad credit history, remember that repaying your loans on time can help you with that. And that’s why you should think again before you can step into a tribal loan due to its high-interest rates.