Guaranteed Payday Loans – Do They Exist?

£100 - £5,000 paid out by 01:19pm

How much would you like?


Representative 669.35% APR

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).
*Subject to application being approved by the lender. Not all lenders are able to provide up to £5000.
*Omacl will not perform a credit check but lenders will determine your loan eligibility by performing a soft search. If you accept the loan offer presented to you, a hard credit search will be performed.

Are Guaranteed Payday Loans A Thing?

Quite simply, no. Not a single lender or other financial institution can offer a guaranteed loan, as before you are accepted for any kind of credit affordability and credit checks need to be performed. We understand it can be very difficult for people with bad credit to get approved for a loan through their bank, which is why so many have started seeking out private lenders. Payday loans be it for £500 or £2,000 have helped many people to get the money they need to cover important expenses that are time sensitive. If you are in dire need of funds for whatever reason, you will find that one of these loans could help.

A lot of websites advertise guaranteed payday loans, but they are simply not possible.  There are still some minimum requirements that need to be met, such as being over the age of 18 and having adequate income to pay back the loan on time as well as passing a relevant credit check.

How much would you like?

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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). 

How do Payday Loans Work?

You will find that payday loans are no different than regular loans when it comes to how you go about getting one. It will be necessary to first fill out an application with the lender you want to borrow from. This application will require you to submit certain details, such as your name, address, phone number, income, and other information. This is a standard part of getting any loan, and it doesn’t take very long at all.

Who can Benefit from Payday Loans?

Many people can benefit from getting a payday loan, including:

  • Those with poor credit who have been rejected for loans by their bank in the past.
  • People who need cash urgently.
  • Anyone who has an emergency expense but doesn’t have the money to pay for it right now.

Whether you need help with catching up on bills or you have some important expense that has suddenly come up, these loans can be of great help.

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Choosing a Legitimate Lender

Because there are so many different lenders out there that offer payday loans and cash loans, it is imperative that you take the time to find one you can trust. You will need to make a point of spending some time researching some of these lenders, because you don’t want to choose just any of them. A legitimate lender can provide you with a good deal on the loan you need, but it will require some looking around. Always make sure any lender or broker you are looking at is fully authorised by the FCA.


How Quickly can I get the Money I need?

A payday loan can be acquired very quickly, partially because most are based online. If you need cash fast to pay for some important expense, it is very important that you look into this borrowing option. You could get the money you need within 24 hours of applying for one of these loans. The best time to apply for a payday loan is early on in the week, so you will need to keep that in mind. The sooner you fill out an application, the sooner you can get the funds you need.

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

Are Guaranteed Payday Loans Legitimate?

It might seem like guaranteed loans are too good to be true, and put simply they are, no company can offer a guaranteed loan. You will still need to find a reputable lender, always do your due diligence before committing to any type of credit.

Guaranteed Loans Through Omacl

At Omacl, we offer a loan matching service for payday loans, we do not offer guaranteed loans. This means that you can get the cash advance you need quickly and efficiently without a long waiting period. We are proud of our ability to help out those with bad credit so they can get the funds they need to cover important life expenses. We try to make this process as simple and easy as possible for the sake of convenience.

guaranteed payday loan

Warning: Late repayment can cause you serious money problems. For help, go to Omacl is a broker, not a lender, and does not make credit decisions.