Guaranteed $300 Loan With Bad Credit: Top 7 US Lenders For Fast Cash 2024

Are you in desperate need of money but finding it difficult to obtain a loan because of your poor credit or short credit history? We’ve got you covered, so don’t worry! A guaranteed $300 loan with bad credit is a loan that gives those who need quick money access to cash quickly. 

These small amount loans are perfect for those with poor credit, no credit history, or low income because they often have fewer restrictions than traditional loans. Such payday loans are quick, easily approved, and deposited into the borrower's bank account after loan approval. 

You may overcome your financial obstacles and guarantee a stronger financial future with the assistance of the lenders and brokers we have recommended in our article.

List of the Top 7 Lenders For Guaranteed $300 Loan With Bad Credit

If you are looking for a loan of $100, $200, $300 or $500, check our list of the top 7 lenders who will offer you a guaranteed $300 loan with bad credit. Take a look below.

Short payday loans may offer quick approval and payout; it's crucial to know that they frequently have high-interest rates and costs that may cause long-term financial problems. Thus, weighing all available options and prospective advantages and disadvantages is essential before obtaining any loan. We have done that for your convenience and listed the top 7 lenders for guaranteed $300 loan with bad credit.


1. Fast Money Source: One-Stop-Shop for Short Amount Payday Loans

Fast Money Source

Fast Money Source is one of the best online lenders for a guaranteed $300 loan with bad credit. They offer quick approval, minimal eligibility requirements, and quick and straightforward capital utilization. Additionally, they exclusively take online applications and offer 24/7 customer care if you have any questions. The advantages of utilizing Fast Money Source for short amount payday loans online are listed below:

  • Convenient online application procedure 
  • Rapid availability of money within 24 hours of approval
  • Individualized repayment options with flexibility
  • Simplified approval procedure that doesn’t require a credit check
  • Interest rates as low as 6%, apply fast and get funds
  • Safe application procedures that safeguard personal data
  • Outstanding client service with knowledgeable and helpful staff 

Fast Money Source can provide a straightforward lender connection service to obtain small-amount payday loans and personal loans for those who require urgent financial assistance.


2. Fast Loans Group: Best Small Amount Loan Solutions

Fast Loans

Fast Loans Group is a lender that offers short amount payday loans. They express immense pride in helping those in need with rapid loans. They feature an easy and quick application process and offer various repayment options to satisfy various needs. Fast Loans Group provides several benefits as the lender offers the fastest payout of short amount payday loans:

  • Applications get accepted fast if all eligibility norms are met
  • Get loans is just a matter of a few hours
  • An excellent option for those with bad credit or no credit history. 
  • Variety of flexible repayment options 
  • Comparatively cheaper interest rates and costs
  • Immediate access to funds up to $50,000

With a simple application process and fast disbursement periods, Fast Loans Group is an excellent option for anyone looking for short amount payday loan options.


3. Honest Loans: Affordable Payday Loans for Short-term Needs

Honest Loans provides a few of the lowest prices and fees for guaranteed $300 loan with bad credit compared to other borrowers in the Market. They work to give consumers a straightforward loan application procedure and customized loan options that are tailored to their particular needs. 

The following are some advantages of choosing Honest Loans to get the short amount payday loans online:

  • Simple and quick online application procedure
  • Quick approval method and no credit check enhance chances of loan approval
  • Ideal for individuals with poor credit or little credit history or low income
  • Secure loan application processing of borrower’s financial and private data 
  • Ideal for those facing difficulties or unforeseen bills
  • Offers flexible repayment choices that make repayment easier

For people who require immediate access to finances in an emergency circumstance, Honest Loans is a reputable and trustworthy choice. They assist consumers in finding a loan that satisfies their particular financial demands by offering tailored lending options and competitive rates.


4. Credit Clock: Trustworthy Payday Loans for Your Urgent Needs

Credit Clock

Credit Clock focuses on transparency of information while providing some of the most dependable small-amount payday loans online like $300 loans, $200 loans, $500 loans and so on. They work to ensure that borrowers fully comprehend the terms and circumstances of their loans, and they provide a selection of flexible repayment options to meet different demands. Some advantages of choosing Credit Clock are:

  • Dependable and safe online application procedure
  • Protects the privacy of borrowers' financial and private information
  • Eliminates the possibility of unexpected fees or penalties 
  • Provides borrowers with easy loan conditions and requirements
  • Swift and effective loan approval system 
  • Offers flexible repayment options
  • Experienced and accommodating customer service staff

So, as you can see, Credit Clock is an excellent choice for anyone who requires a trustworthy loan tailored to their financial condition. Thanks to various flexible repayment choices and interest rates and fees within range, borrowers can easily and swiftly get the money they require.


5. Heart Paydays: Providing Loans with No Credit History Check

Heart Payday

Heart Paydays is a provider focusing on providing credit-challenged individuals with loans. They provide quick and straightforward loan solutions to individuals who might not be eligible for conventional loans because of their credit history or credit score. Heart Paydays has the following advantages:

  • Quick and simple online application procedure
  • Quick approval and funds transfer
  • Several repayment alternatives are available
  • Active 24/7 with readily available customer support staff 
  • Flexible loan repayment days can be availed
  • A reliable source for payday loans even if you have a bad credit history

As a result, Heart Paydays provides a dependable and safe platform for people looking for quick access to short amount payday loans $300 or more with guaranteed approval. They wish that those in need can get the money they need.


6. Low Credit Finance: Affordable Loans for Low-Income Borrowers

Low Credit

For individuals who are having financial difficulties, Low Credit Finance provides short amount payday loans for people with low income. They make it simpler for people with a poor credit score or credit history to obtain loan authorization The advantages of selecting Low Credit Finance for short amount payday loans online for people on low incomes include the following:

  • Simple and quick online application approach
  • Money is available quickly
  • No hard credit check 
  • Streamlined application procedure 
  • No credit check and easy approval
  • Flexible repayment alternatives 
  • Offers outstanding customer service 
  • Improve money management by utilizing resources and tools for financial literacy.

Low Credit Finance can be a possibility for people with bad credit, but it's crucial to carefully analyze the terms and costs of any loan and have a strategy for one-time repayment.


7. Big Buck Loans: Your Solution for Short Amount Loans With Bad Credit


Big Buck Loans specializes in giving guaranteed $300 loan with bad credit to people with terrible credit. They provide a straightforward and efficient application process, instant availability of funds, and flexible repayment choices, resulting in an excellent choice for people with bad credit. 

The following are the perks of selecting Big Buck Loans:

  • Offers quick and straightforward access to finances
  • Quick and easy online application procedure eliminating the complex paperwork
  • Numerous repayment alternatives 
  • Excellent acceptance rate 
  • Places high priority on protecting the client’s privacy 
  • Offers a competitive rate of interest and fees.

Big Buck Loans offers a variety of loan solutions to assist people with various credit types in resolving their financial difficulties and addressing their immediate needs.

Ranking of Guaranteed Loan for Bad Credit 

Brand  Summary  Score
Fast Money Source Best Payday Loan Online 10/10
Fast Loans Group Good for Small loan funds 9/10
Honest Loans Great Short-term needs 9/10
Credit Clock Flexible terms  9/10
Heart Paydays Good for no Credit check  8/10
Low Credit Finance Low Interest rates  8/10
Big Buck Loans Good for Bad Credit  8/10

How to Apply for a Guaranteed $300 Loan With Bad Credit?

Follow these steps to apply for a short amount payday loan with approval guaranteed:

  • Investigate lenders: To choose the finest lender for your needs, research and compare several lenders.
  • Application form completion: Once you've decided on a lender, fill out the online application form, which typically asks for fundamental economic and personal data.
  • Sending in docs: Some lenders might need more information, such as employment or income verification.
  • Receive approval: If your application is accepted, you will be sent an offer that includes information on the loan's size, interest rate, and conditions for repayment.
  • Accept the offer: Sign the loan contract to accept the proposal, if acceptable.
  • Receive Funds: Funds will proceed into your bank account, often within one business day after you agree to the loan offer.

Before signing the loan offer, carefully review and comprehend the terms and conditions to ensure you can fulfill the repayment requirements.


What are Guaranteed $300 Loan With Bad Credit? 

Payday loans, short-term loans that must be fully repaid on the borrower's following payday are commonly referred to as guaranteed $300 loans with bad credit. However, finding a guaranteed $300 loan with bad credit is extremely unlikely because most lenders assess a borrower's creditworthiness before accepting any loan. 

The interest rates and fees attached to these loans are typically greater than those provided to borrowers with a good credit, but some lenders do give loans to people with bad credit like the ones we have listed. 

These loans are intended to assist people in bridging short-term financial gaps or unforeseen needs until their next paycheck. 

Borrowers with terrible credit must bring evidence of income and a current checking account to be approved for a guaranteed $500 loan. The lender often requires a post-dated cheque or permission to immediately remove the loan amount and fees from the borrower's bank account on the due date. 

Payday loans should only be utilized as a last choice because of their high-interest rates and costs, making them high-cost. Borrowers should consider other financing options, such as credit cards or personal loans, before applying for a guaranteed $300 loan with bad credit.

Understanding The Features Of A Guaranteed $300 Loan With Bad Credit

Next, let’s take a look at the features of $100, $200, $300 and more payday loans with guaranteed approval.


Short-term loans are typically meant to be repaid on the borrower's next payday. These loans often have terms of one to two months or more, though the exact duration may vary depending on the financial institution and the borrower's needs.

High Approval Rate

Compared to traditional loans, which may need a credit check or collateral, payday loans often have a more liberal approval process. So, even those with a limited credit history or bad credit scores can get them.

Instant Approval

Many lenders provide an efficient application procedure that may be finished online. The decision on a borrower's loan application is frequently made within minutes, enabling the borrower to get the money they require immediately.

Fast Disbursement: 

Another noteworthy aspect of a guaranteed $300 loan with bad credit is quick disbursement. They are an excellent alternative for people who need money urgently since, after approval, borrowers can have the loan cash deposited right into their bank accounts in as little as one working day.

High Cost

You must remember that the affordability of short amount payday loans frequently comes at a high cost. These loans frequently have higher rates of interest and costs than traditional loans, which can result in a vicious cycle of debt for specific borrowers. 

As a result, applicants should carefully weigh their available options and only obtain a short amount payday loan once they have a strong repayment strategy.


About the CFPB and US Banking Regulators

The US government's autonomous Consumer Financial Protection Bureau (CFPB) is responsible for safeguarding consumers in the financial industry. It was created in 2011 after the economic downturn. It has the responsibility of overseeing banks, credit unions, and different financial institutions to ensure they abide by the relevant federal consumer financial laws. The CFPB also encourages and teaches customers to make wise financial decisions and enforces laws prohibiting unfair, dishonest, or abusive practices by financial institutions.

The Federal Deposit Insurance Corporation, i.e., FDIC, the Federal Reserve System, as well as the Office of the Comptroller of the Currency, i.e., OCC, are further US financial regulators. While the FDIC protects bank and savings institution deposits, the Federal Reserve System controls monetary policy and upholds the financial system's stability. To safeguard the security and integrity of national banks and federal savings institutions, the OCC oversees them.


Who Can Qualify for a Guaranteed $300 Loan With Bad Credit? 

You need to meet specific requirements to be eligible for a short amount payday loan online that could differ based on the state and lender. In general, the following conditions must be satisfied:

  • A minimum of 18 years of age is required.
  • You have to be either a citizen or a permanent resident of the US.
  • You need a trustworthy source of income, like a job or government funding.
  • A functioning valid account is required.
  • A working contact number along with an email address are required.

While certain lenders could additionally demand a specific debt-to-income ratio or an adequate credit score, many payday loan providers don't conduct credit checks. As a result, people with bad credit or zero credit history might still need a payday loan. 


Who Can Take Advantage of a Guaranteed $300 Loan With Bad Credit? 

Individuals who require immediate access to funds and are suffering financial emergencies might consider a guaranteed $300 loan with bad credit. These loans are beneficial for people who might not be eligible for conventional loans because of their credit ratings, income levels, or work situations. 

Bad Credit

Individuals with bad credit might benefit from a guaranteed $300 loan with bad credit by lenders we have listed. It's not easy for borrowers with poor credit to be approved for payday loans because lenders need to verify credit scores. We have listed the Best Lenders for Bad Credit Here

Low income

It could be difficult for low-income people to obtain standard loans approved. Payday loans provide a means of swiftly accessing money without the requirement of a significant salary.

Limited or No Credit History

Traditional lenders might turn down your loan application if you don't have any credit history or minimal credit history. On the other hand, our $300 payday loan lenders don't demand credit history; thus, they are a first choice of people without credit histories.


Unemployed people may be eligible for payday loans, but many lenders need verification of their paychecks or additional assets. However, our suggested lenders offer you loans even if you don’t have a job.


People denied traditional loans for various reasons could discover that payday loans are an excellent choice to get cash immediately.

Users of these loans should exercise caution and take a loan of only that amount which they are able to repay on time.


Why Our Recommended Guaranteed $300 Loan Lenders are the Best 

Due to several factors, our suggested short amount payday loans online with an approval guarantee stand out in the industry. We have done in-depth research and analyzed numerous variables to provide the finest solutions for our users. These are the primary explanations for why we endorse these lenders:

Lender Background

Our suggested lenders for a guaranteed $300 Loan have a solid history and many years of lending experience. State and federal authorities have granted them licenses and subject them to regulation, ensuring that all rules and laws are followed. These lenders possess a history of offering borrowers reliable and reputable services.

Approval Rate

Most borrowers are likely to get their loan requests accepted because the lenders we suggest for short amount payday loans have high approval rates. This results from their emphasis on elements other than credit ratings, like earnings and job history.

Approval Speed

We suggested short amount payday loan providers accept specific applications in only a few minutes. This is because they employ an online application system, making it more straightforward for borrowers to apply and more efficient for lenders to handle applications. 

Disbursement Speed

The favored guaranteed $300 loan with bad credit lender companies on our list prioritize providing quick money transfers to their clients. They are a dependable solution for people who require instant access to cash because they generally disburse funds within one business day or the following day after approval.

Interest Rate And Fees

We ensure our transparent lending procedures, so borrowers understand what they're signing up for. We also provide flexible repayment choices to assist borrowers in managing their money and making timely loan repayments. Borrowers might be aware that they are receiving fair and acceptable loan conditions because our lenders abide by industry norms and laws.

Loan Terms

Our preferred lenders often offer short-term loans with flexible and comfortable loan terms. To provide borrowers greater freedom, specific lenders now provide installment loans with lengthier repayment terms.

Loan Amount

According to the lender and the borrower's credentials, our suggested lenders for rapid payday loans online guaranteed approval provide loan amounts that vary from $100 to $5,000. This allows borrowers to select the loan amount that best meets their requirements. You can still get a guaranteed $300 loan with bad credit to handle your financial demands. 

Our suggested top lenders shine out in the industry as reputable and dependable ones for short-term loans with bad credit thanks to their cheap rates, flexible repayment alternatives, and top-notch customer service.


Advantages and Disadvantages of Guaranteed$300 Loan With Bad Credit

The following table lists the benefits and drawbacks of short amount payday loans with guaranteed approval:



Quick access to money for unforeseen costs



High rate of interest

Straightforward online application procedure



The short duration of repayment

No credit check is necessary

Risk of becoming trapped in a debt cycle


High percentages of acceptance for people with weak credit or low income


Some US states don’t offer such loans

Speedy disbursement of funds 




No requirement for collateral 



No restrictions on the usage of funds 



Loan amounts and repayment terms are flexible.




These loans may represent an excellent way to get quick cash, but they may additionally be quite expensive and risky. It's crucial only to take out loans you can repay and search for reputable lenders who adhere to ethical lending principles.

Alternatives to Guaranteed $300 loan with bad credit

There are numerous options if you require a loan yet aren't interested in a guaranteed $300 loan with bad credit. The following three:

Installment loans

These loans let borrowers repay the borrowed money in a certain number of payments over a predetermined time. Compared with payday loans, they often have lower interest rates and more extended repayment periods. But borrowers with bad credit might not be eligible for installment loans since they might need to submit a credit check and have their income verified.

Title loans

Title loans are secured loans that put your car up as security. Title loans pose a substantial risk of losing your vehicle when you default. However, they may offer more outstanding loan sums and extended payback periods than payday loans.

Cash Advance

A cash advance is a brief loan made available by credit card issuers, enabling customers to withdraw money up to their credit line. Cash advances are a primary means to acquire money without a credit check, yet they frequently have hefty interest rates and fees. Nevertheless, given the high price of borrowing and the likelihood of debt growth, borrowers should exercise caution.


Are guaranteed $300 loans with bad credit safe?

If you find a respectable and reliable lender and borrow the amount you can afford to return, then most  are pretty secure. Our loans are issued by registered lenders who follow all the CFPB and US banking regulators’ laws and regulations.

Do a guaranteed $300 loan with bad credit disburse the money immediately?

Most of the time guaranteed $300 loan with bad credit are made to offer quick access to money. The money is usually transferred to the borrower's account within 24 and 48 hours of the application's approval. However, the disbursement period could differ based on the lender's rules and the borrower's bank's processing period.

How much does a guaranteed $300 loan with bad credit cost?

Based on the lender and their conditions, like interest rates and fees, the cost of a loan may vary. Before taking the loan, it's crucial to read the loan agreement and all related fees carefully.

Can you get a Guaranteed $300 loan with bad credit in 1 hour?

It's feasible to apply for a Payday Loan in one hour, but this depends on the lender's speed of disbursement, the borrower's eligibility, and the availability of the necessary documentation.

Does a Guaranteed $300 loan with bad credit require a credit check?

Most lenders who provide a guaranteed $300 loan with bad credit don't run a hard credit check on their customers. They could yet run a light credit check to confirm your identification and determine your capacity to repay the loan.