Guaranteed Payday Loans – Do They Exist?

£100 - £5,000 paid out by 07:15am

How much would you like?

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

Can Guaranteed Payday Loans Deliver Money Today?

Whether you’re facing a financial emergency or just waiting for payday, you may run out of money before your check arrives. Payday loans and other online resources offer immediate access to cash, providing enough money to reinforce your finances until salary day. Guaranteed payday loans, in particular, offer flexible financing with a cosigner. Adding a third party “guarantor” lifts applicants with bad credit, enabling them to qualify for short-term payday loans.

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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). 

When your credit score doesn’t achieve lending standards, adding a guarantor may be enough to change your credit outlook. Unique guaranteed payday loans allow you to apply jointly with a friend or family member that has good credit. Though your so-so score may not measure up to eligibility requirements, adding a candidate with strong credit references is often enough to gain acceptance.

Guaranteed Payday Loans Offer Short-term Financial Relief

As you manage monthly income, paying bills and meeting other financial obligations, you may need more money than your paycheck provides. Temporary shortfalls between paydays are common, so online lenders put forth an array of loans for urgent, short-term funding needs. Among the resources available online, guaranteed loans are ideal for credit candidates with low credit scores. The special payday loans offer several advantages, including upsides such as:

  • High Rate of Acceptance – A guaranteed loan harnesses the power of one person’s good credit to strengthen another person’s poor credit. Under the terms of guaranteed payday loans, a primary applicant with imperfect credit applies jointly with someone who has good credit. When evaluating applications for guaranteed loans, lenders consider both credit histories, resulting in high acceptance rates. Even when credit conditions seem dire, adding a guarantor reduces risk for lenders, giving green lights to your loan.
  • Online Convenience – Guaranteed payday loans originate online, so there’s no need to travel to your local bank branch for service. Rather, your loan request is submitted online, via Omacl’s easy application. The loan request typically takes only a few minutes to complete, before submitting the brief application from your connected device.
  • Unrestricted Spending – Guaranteed payday loans are not earmarked for specific spending functions; the money can be spent as you wish. Whether your car is due for new tyres or your credit card bill needs prompt attention, payday loans offer flexible financial solutions. Health emergencies, higher education, household bills, and holiday travel are only a few of the most common applications for guaranteed online loans.
  • Short Loan Turnaround Times – Financial emergencies require immediate action, so you can’t afford to wait out a long approval period. When you need money right away, guaranteed payday loans offer a timely alternative to conventional financing. Unlike traditional loans, which may take weeks to fund, guaranteed loans deliver same day service for qualified applicants.
  • Direct Deposits – Upon acceptance, payday loan proceeds are transferred directly to your current account, for immediate access. Loans are valued from 50 – £2,500, offering flexible instalment funding for a variety of personal finance needs. Direct loan transfers ensure money is available today.
  • Transparent Terms – Guaranteed payday loans are funded with no hidden fees or charges. Payment terms are established upfront, so there are no surprises during payback. Instalment due dates are indicated in each loan agreement, intentionally aligning with borrowers’ pay schedules, for convenience and affordability.

Do You Need a Guarantor?

Guaranteed payday loans offer unique lending opportunities for bad credit applicants. If you’ve experienced past credit problems or your score is too low for conventional financing, you might be a good candidate for guaranteed loans.

Credit reporting agencies such as TransUnion and Experian are responsible for tracking personal credit conditions in the UK. From your first bank account through your present-day credit relationships, the organisations keep records tracking individual credit outcomes. Each time you satisfy a debt or reach a positive financial milestone, your credit file reflects it. To your detriment, any reported late payments and other inconsistencies are also noted in your file.

In addition to maintaining individual credit reference files for every UK consumer, reference agencies also assign credit scores. The three-digit figures serve as personal credit summaries, ranking each consumer on a performance scale. Individuals with diverse credit usage and flawless payment records score highly, receiving scores above 800. Other credit consumers with limited usage histories or past problems do not fare as well.

Credit scoring suffers when late payments, bankruptcy, overutilisation, default, and other credit conditions damage a person’s credit rating. Under some circumstances, low credit scores prevent bad credit loan applicants from obtaining financing on their own. Fortunately for candidates with bad credit, guaranteed payday loans allow cosigners to apply jointly.

Adding a friend or family member with good credit offsets the primary borrower’s past credit shortfalls. With guarantors’ help, individuals with bad credit become viable lending partners. A guaranteed payday loan serves the needs of the borrower; the guarantor doesn’t spend the money or decide how it is spent. After contributing a high credit score to the loan application, a guarantor becomes a passive participant. However, both parties are on the line until the loan has been repaid. Whether outcomes are positive or negative, both individuals’ credit files ultimately reflect the results.

guaranteed payday loan

If you’ve experienced credit problems and a family member or friend is willing to help, a guaranteed payday loan offers you the chance to get the cash advance you need.

How to Utilise Guaranteed Payday Loans

Diverse finance challenges call for unique solutions; it is important to measure your monetary needs when evaluating loan options.

  • How much money do you need? – Guaranteed payday loans supply relatively small sums of money. Loans such as those for £500, offer a small bridge to payday or a larger loan for urgent matters. If your funding need exceeds a few thousand pounds, a long-term loan may be a better selection – with or without a guarantor.
  • When do you need the money? – Online lenders provide timely service, delivering money in a hurry. When facing urgent conditions, accessibility and short turnaround times can be the difference between financial success and catastrophic consequences. If you need money right away, consider the time-saving benefits of guaranteed loans online.
  • How soon can you repay the loan? – Guaranteed payday loans offer short-term funding opportunities, using your future paycheck to back repayment. Guaranteed loans are strictly for short-term usage, requiring timely payback. Depending upon your lending partner and the value of your loan, repayment is expected within 1-36 months.

As you refine your search for short-term financing, use Omacl’s online resources to compare loan alternatives. Service is available 24/7, allowing you to address urgent spending demands in real-time.

  • Budget for loan repayment – Before making loan commitments, you must first account for repayment obligations. Is your income sufficient to support prompt repayment? Do you anticipate income interruptions during the repayment period? Will other debts interfere with your ability to make instalment payments on your guaranteed payday loan? Though you can’t predict the future, anticipating repayment concerns can help you avoid costly credit missteps.
  • Submit your loan request online – Guaranteed payday loans originate online, making it as easy as possible to initiate your funding request. Omacl’s online application takes only minutes to complete, connecting you with a network of top UK lenders. Your payday loan application can be submitted online via your connected mobile device or laptop computer. Upon receipt, your loan request receives immediate attention, facilitating a short loan turnaround time.
  • Spend loan proceeds on your top financial priorities – Unlimited usage allows you to establish spending priorities for guaranteed payday loan proceeds. Because the cash loans fund quickly, payday resources are ideal for managing sudden, unexpected expense, as well as offering financial reinforcements for bills and other household concerns.
  • Repay the loan on time – Loan repayment agreements outline payback expectations and payment due dates. In order to preserve your credit score and protect your guarantor, you must follow through with the terms of your credit arrangement. Late payments not only impact your rating, but failing to follow through also affects your guarantor. In addition to reporting late payments, your lender may also impose late payment penalties, on top of regular finance fees.

How Does Omacl Compare?

Why Use Us?
How much can I borrow?
Up to £5,000
No hidden fees
Chance of getting approved?
High approval
What are the repayment terms?
1 - 36 Months
No paperwork.
How do I apply?
Apply Online
2 min Application
Do I need to pay back a lump sum?
Easy repayments

Online Loan Eligibility

In order to borrow money online you must first meet basic eligibility standards for UK lending. Approved payday loan applicants must

  • reach age 18 to qualify for online loan offers,
  • reside in the UK,
  • have a job with earnings sufficient to repay the loan,
  • maintain a current account for receiving loan transfers and making payments.

Money challenges frequently arise without warning, requiring immediate financial solutions. Guaranteed payday loans offer unique access to fast cash, allowing someone with strong credit to serve as a guarantor. If you’ve had credit problems in the past, yet you need money today, a guaranteed loan may provide the funding solution you’ve been looking for.

Can I apply for a payday loan with bad credit?

Here at Omacl, we accept payday loan applications from all applicants, regardless of credit score. We offer one of the highest approval rates in the industry with 97% of applicants with a poor credit profile being offered a short term loan. You will receive an instant, on screen decision after completing our quick and easy 2 minute application form.

Are the payday loans offered by Omacl guaranteed?

All loan applications are considered provided you meet the eligibility criteria. Omacl has one of the highest acceptance rate in the industry with over 97% of loan applicants being approved for a loan, regardless of their credit status or history. This makes the chance of being accepted extremely likely.

Does Omacl perform a credit check?

Omacl does not perform any kind of credit checks on its customers. Once you’re approved for a loan, you will receive an offer from one of our lenders. Should you choose to accept that offer a soft search or soft check will be performed by the lender to make sure you meet the basic eligibility criteria. This check does not leave a lasting mark on your credit report as a hard search would such as those being performed by your bank or credit card company.

How do I apply for a payday loan via Omacl?

Applying for a payday loan at Omacl is extremely quick and easy. All you have to do is fill in our online application form at here – it takes less than 2 minutes to complete and you’ll then be presented with an instant, on screen decision which will tell you whether or not you’ve been approved. You will then have the option to accept or decline the loan offer presented to you.

Omacl on the FCA Register

Omacl is a registered trading name of Chojin Ltd and is authorised and regulated by the Financial Conduct Authority (FCA). You can view our registration status via reference number 732880.

Free Financial Advice

If you are struggling with debt or are unable to make your loan repayments, please visit the websites below. All of them offer free, impartial advice.

Warning: Late repayment can cause you serious money problems. For help, go to