If you’re looking for cash right away, like right now, then an instant payday loan may be the right option for you.

I”ll discuss places to get an instant loan online, walk you through the process of getting one, and what to do if you want instant cash but have bad credit, no credit, and want a guaranteed approval.

First, I’ll list a few places to get fast cash loans below:

5 places To Get Instant Loans

Spring Time Cash – Great for a quick loan for the short term.

911 Cash Lender – Up to $1,000 short term loan, or $2,500 long term loan.

CashAdvance – Can get $999+. Meant for short term cash. Quick application.

How These Types Of Instant Loans Work

If you apply for a payday loan, the first thing you want to do when you get the terms and conditions is to read them carefully.

They discuss things like when you need to pay back your loan, how the loan will be paid back, and at what interest rate you will be charged. Before you agree to any loan, you need to look at this information carefully. Once you agree to the terms, you will get your money from the lender. But also note that you will be bound by the terms and conditions legally as well – so make sure you pay the loan back!

These types of loans have higher interest rates than a regular loan. If you need quick cash for a quick fix, then this type of loan is an option. If you need money to buy a car or anything else that will take a longer period of time to pay back, you DO NOT want this type of loan. You want a personal loan.

A personal loan will have lower interest rates compared to a payday loan, and you can have many years to pay it back, as compared to a payday loan where you are usually required to pay it back within your next pay period.

Personal loans will look into your credit history and use your credit score to calculate your interest rate. If you have poor credit you may not qualify for a personal loan.

The best thing to do in your situation is to check your credit score and see where you stand. If you find yourself with a credit score of 550+, you should be able to get a personal loan. If your credit score is below that, you may still be able to get a personal loan, however, there will likely be less lenders willing to lend you money.

After you check your credit score, you’ll know what type of loan you should apply for. A personal loan or payday loan. Both can have money deposited into your bank account quickly – the next day sometimes. Definitely try for a personal loan first if it makes sense. Again, a credit score above 550 is a good starting point.

If your credit score is fair or better, then feel free to use one of the online lenders below to apply for a personal loan at lower interest rates:

Zippy Loans – Quick application for loans up to $15,000

Dollar Loan Club – Get approved up to $5,000. Will be deposited to bank account as early as tomorrow.

Guaranteed Approval Bad Credit Loans

payday loans online no credit check instant approval info

If you have really bad credit and need a guaranteed approval, it will likely be hard to get one using a personal loan. You don’t have a lot of options unfortunately.

A popular option for someone like that is to get a payday loan to pay for things in the quick short term to hold you over for now.

Personally, I would try and get money elsewhere if I can. Maybe borrow from a friend or family member. Maybe pick up a job and work extra hours.

But if you just need money and need a guaranteed approval, then payday loans could be the best option for you – as long as you are able to pay to back within your next pay check period.

With a payday loan, you need to have a job usually and be making a minimum amount of money every month. For example, it could be $800 a month, but every lending company will have their own policy about this.

You’ll also need a bank account where the lender can deposit your money once you’re approved for a loan, and they will also automatically debit the money out of your account one the date your loan is due.

These types of loans typically only let you borrow a maximum of $1000. This is because it is meant to be a short term loan to help you in the short term. It’s instant cash to help you right now. Again, if you want to buy something like a car or pay for education, you do not want this type of loan.

These types of loans are pretty much “guaranteed approval” because they don’t look at your credit score typically. They don’t really need to because it’s set up in a way that you’re expected to pay it back usually in 2 weeks or less, when your next pay check comes in.  Again, you’ll need to qualify for it and one of the biggest things you need is a job where you’re making money – because how else are you going to pay it back?

If you’d like to apply for one of these types of loans, just scroll back up and check out the 3 places to get instant loans above. Good luck.


I think the most important thing you need to do is make sure you can pay back the loan on time and comfortably so it doesn’t ruin your life. To do this, you need to make sure the terms and conditions of the loan makes sense for you. Once you agree to the terms and conditions, you will be given your loan, and you will be responsible for paying it back. Just be smart about it 🙂

Disclaimer: This post contains affiliate links.

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