Are you a proud American looking for a bad credit loan ? Maybe you have a poor credit score or you have fallen on some tough financial times. 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 the case is, a bad credit loan with guaranteed approval and/or no credit check might be the right thing for you. In this in depth review, we are going to highlight some of the leading direct lenders of loans for bad credit. These companies that we are going to highlight are some of the best in America and they have a strong customer bases.

However, we have to be honest with you before we begin this review. The reality that you should know is that not all bad credit loan lenders are good. There are many out there that offer all types 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 with great pleasure that we can let you know that all of the payday loan lenders that we talk about in this review are the best in America. We will also highlight for you some of the pros and cons of each of these money lenders.

So sit back and relax and get ready for a good read. This by far will be one of the best bad credit loan reviews that you have ever read. Here we go:

#1. MONEYMUTUAL – Top Direct Lender For No Credit Check Loans

#2. CREDITLOAN – Best Emergency Loan for Bad Credit Lender

#3. FUNDSJOY – Payday Loans For Bad Credit With Instant Approval

#4. TRUE AMERICAN LOAN – Top Short Term Loan Lender In America

#5. XMASFUNDS.COM – Instant Approval Bad Credit Loans

#6. FUNDSGIFT – Cash Advance Experts With Guaranteed Approval

#1. MoneyMutual – The Best Bad Credit Direct Lender In America.

If you are familiar with MoneyMutual you will know that they are one of the best emergency loan providers in the game. They are fast, reliable, and service oriented. Not only that, they have had one of the best spokespeople a company can ask for.

Do you remember Montell Williams? This guy…

A legendary day time talk show host. Montell’s day time audience grew by leaps and bounds in the 1990s. After an extremely successful day time talk show career, Montel Williams got into promoting MoneyMutual.

Naturally when you are successful, people are going to come after you, and they did. Montel Williams’ haters came out of the woodwork and came after 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 believe this is not the case. Montel Williams always demonstrated that he was 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 – No Credit Check Loans With Guaranteed Approval Online

Hot on the coattails of MoneyMutual is CreditLoan . In our opinion, they came out of nowhere! No one gave them much of a chance, but all of a sudden they started to pick up momentul as a 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.

Still up and coming, CreditLoans is a money lender to keep an eye on. Specifically in regards to their customer service commitments. 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. Time will tell because the personal loan industry is a competitive one.


#3. FundsJoy – Emergency Loans For Bad Credit With 24 Hour Loan Approval

FundsJoy is one of our favorite short term loan providers. We absolutely love their marketing and easy to use website. Their use of color on their website is very good, as it creates a comfortable user experience for anyone searching for no credit check loans.

One thing to watch out for with FundsJoy is, can they handle their rapid expansion. Similar to CreditLoans, this company is performing very well. 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.

Time will also tell with this company. They are one to watch out for. We love them though, and recommend them to anyone who needs an installment loan.



Just like the name suggests, this bad credit loan provider is meant for true Americans. They really know their target market as most of the people who take payday loans from this company identify as true americans.

So what makes someone a true American? Well, it is someone who loves the great country of America, bottom line. As such, this loan provider is popular with so many Americans all across our great nation. Whether you need a payday loan, bad credit loan, no credit check loan, short term loan, installment loan, 24 hour loan, $500 loan, $300 loan or $100 loan, this loan provider will have your back.

Let’s get one thing clear though, are they as big as a company like MoneyMutual? Absolutely not. But bigger is not always better, right? It depends on the borrower and their comfort level when they are selecting a bad credit loan provider.


#5. XMASFUNDS.COM – The Most Popular Holiday Time Bad Credit Loan Provider

This may seem like a weird one to you, but hear us out! You would not believe how popular this bad credit loan lender is at Christmas time. Like we are talking… ULTRA popular. There are a lot of people around the holidays that need cash fast and that need emergency loans.

So of course a bad credit loan lender branded with Christmas is going to perform well then right?

Well check this out… even when it is not Christmas time, this payday loan lender still manages to perform consistently. Why is that? We think it is because people just love Christmas. Anything with a Christmas present is usually embraced quite easily.

We recommend you check this one out as well, especially if you are looking for $5000 loans.


#6. FundsGift – The New Bad Credit Loan Lender With Guaranteed Approval

FundsGift is new on the scene. Our first impression of them is that they are going to give MoneyMutual a run for their money. See what we did there?

The most impressive thing we have seen from FundsGift so far is how fast their list of money borrowers is growing. They are rapidly giving out all sorts of bad credit loans with guaranteed approval. The pace at which they are giving them out makes you think that they have been in the business for years!

As we watch the growth of FundsGift take off, we will be most interested to see if they become bigger than MoneyMutual. Some people who watch the emergency loan industry very carefully are saying that it is possible while other people in the industry are saying that it will never happen.

Whatever the case is, when it comes to short term loans and 24 hour loans, FundsGift is at the top of their game. If you are looking for $5000 loans and $10000 loans, MoneyMutual might be a better option.


Final Words On Short Term Loans For Bad Credit

Well there you have it. We have reviewed six of the top bad credit loan lenders in America. As we promised, we discussed some of the pros and cons for each loan lender.

It is not up to you to select which bad credit lender is the best match for you. After reading our in depth articles borrowers usually come to the conclusion themselves as to which lender to pick. There are however, some people that still are unsure on which payday loan provider to choose.

If this is you, you don’t need to worry. You are not alone. For people like you, we suggest that you stick to the biggest bad credit loan provider in America. If you recall from our article, that direct lender is MoneyMutual.

You can visit their official website as per the link below and you can apply directly for a bad credit loan.


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