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Maximum charges: 20% Establishment fee and 4% monthly fee (Comparison rate 199.43%) based on $1000 repaid over 6 months. Illustrative example: Loan amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly instalments of $57.60. Maximum charges: 20% Establishment Fee & 4% Monthly Fee. In comparison rate terms, the maximum comparison rate may be as high as 199.43%.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower's credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.
Viva Payday Loans > Guaranteed Payday Loans No Matter What Australia

Guaranteed Payday Loans No Matter What Australia

Searching for lenders who can offer guaranteed loan approval may leave you with few options online when you need money fast. At Viva Payday Loans, whilst we do not provide guaranteed loans, we can help you find the right lenders who are in the best position to help today, no matter your credit history. Many loans with guaranteed approval in Australia may come with conditions requiring a perfect credit score or will charge hidden fees for the privilege. If you’re looking for guaranteed payday loans because you are concerned with having a poor credit history, you needn’t worry. Our loan finder service will connect you for free with suitable lenders who can help you even with bad credit. Click apply now to start your application and see how we can help you today with a loan of up to $2,000.

Note: Viva Payday Loans is a lender-finder service in Australia, we do not offer financial advice. Please consider seeking independent legal and financial advice to check how the information and ideas presented on this website relate to your unique circumstances.

What Are Guaranteed Loans?

Guaranteed loans are a type of cash loan that offers guaranteed loan approval, even with a poor credit history. Many people look for these types of loans because they have concerns they will be declined by traditional lenders due to a bad credit score and want guaranteed cash. However, the reality is guaranteed loans by definition are not something most reputable lenders can provide. This is because a lender may require applicants to undergo a credit check first or an affordability assessment to approve a loan. Instead, the next best thing to payday loans with guaranteed approval is finding lenders willing to help those with less than perfect credit scores. At Viva Payday Loans, we are loan brokers that can connect applicants to these types of lenders, able to offer same day loans quickly and help bad credit applicants where traditional lenders can’t.

Finding Loans with Guaranteed Approval in Australia

You could spend hours searching online and comparing lenders claiming to offer loans with guaranteed approval in Australia. By using our loan finder service, you can save time and see who from our panel of 15+ lending partners is willing to help today. Whilst they cannot guarantee your application will be successful, they won’t turn you away just for having poor credit. If you are a Centrelink beneficiary or even self-employed, you could find the help you need by providing a few small details about your finances as well as how much and how long you want to borrow for. It’s quick and simple and you won’t find any hidden fees as each lender will offer transparent terms so you know exactly what is involved. 

With guaranteed no credit check loans regardless of credit history you may find elsewhere, the risk is approving a loan that could put you into further financial difficulty. That’s why the lenders we can connect you with will assess your application thoroughly which may involve a credit check to aid their decision. Remember, we work alongside a wide range of lenders willing to help many different types of credit history, so having poor credit doesn’t mean you’ll be automatically declined. It’s free to view your lender offers using our loan finder service, so you can browse what’s available and proceed to the lender’s website only when you want to.

Eligibility for Guaranteed Payday Loans

To be eligible to find our alternative guaranteed payday loans no matter what Australia, you will need to meet the following minimum requirements. Please note, we do not lend money directly, instead connect you to lenders who may be able to help. To apply today, you’ll need to:

  • Be 18 years of age or older
  • Be a current Australian citizen
  • Have three to six months’ worth of bank statements available, so that lenders can offer a loan that fits in with your current financial situation
  • Be able to provide details of all existing liabilities, including credit card debt and any other outstanding loan obligations
  • Be able to provide proof of your income, whether from employment, Centrelink, or other government benefits

Once you have found a lender, you can complete your application by following the provided link to their website. We do not have any control over the lender’s decision on your application and guaranteed loan approval is not something we can offer to those using our service.

Guaranteed Approval Loans for Bad Credit Applications

When you have bad credit, it can feel like your options are few to find a loan in an emergency or when the unexpected happens. We know not everyone has an excellent credit rating and that you may not have the savings or available credit to resolve your situation alone. Although we cannot promise guaranteed approval loans for bad credit applications, what we can do is:

  • Help you find the right lender in the best position to help today.
  • Match your circumstances with direct lenders of short term loans in an instant
  • Enable you to choose flexible repayment terms for loans up to $2,000
  • Help you find loan options, even at the last minute, at any time of day or night
  • Connect you with lenders who can provide funds within 60 minutes once approved

Note: Viva Payday Loans do not perform a credit check, however, the lender you are referred to may conduct a full or partial credit check as part of their assessment policy. Viva Payday Loans has no control over the assessment of applications.

Apply Now for Guaranteed Payday Loans No Matter what Australia

If you’re short on cash and you have exhausted other means already, use Viva Payday Loans to get back on track and find the fast loan you’re looking for today. If you have any questions about guaranteed payday loans or how our credit broker service works, please contact the team today.

Whilst we cannot provide financial advice ourselves, you can find further helpful information through MoneySmart or other professional resources.

Guaranteed Loans FAQs

Can I Get Guaranteed Loan Approval with No Credit Check?

All applicants may be required by the lender to undergo a credit check as part of the application process. Each lender cannot offer no credit check loans guaranteed Australia with guaranteed approval without first fully assessing your ability to afford repayments. A credit check alongside an assessment of your finances may be required, something we do not do as a credit broker. For more information on your chosen lender’s approval process, please contact them directly.

Do Payday Loans with Guaranteed Approval Pay Out Quickly?

Many lenders can offer to pay out the approved loan amount within 60 minutes of signing your credit agreement, but each lender will vary on an exact time. Although they can’t offer guaranteed loans, they can guarantee you will have access to the funds you need quickly, as long as your bank supports faster payments and the lender has this facility.

Can I Trust Guaranteed Loans?

By using our loan finder service, we’ll only connect you with lenders from our panel of industry regulated approved lenders. This means they work to responsible lending guideline and will treat you fairly as an applicant. They cannot guarantee your application will be successful, however, they can help applicants with a wide range of credit histories, as long as you can afford the repayments you require.