Apply For A Guaranteed Loan With Capital Bean Today

Online Application. All Credit Considered.Whether you're looking to borrow $100, $200 or $1,000 we can help improve your chances of a guaranteed loan. Use our 100% online form to start your loan application today and get money in the bank the same or next day.

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

Where Can I Find A Guaranteed Loan?

If you’re looking to apply for a guaranteed loan online then Capital Bean can help. Our application process is 100% online, so you can apply from the comfort of your own home. If you’re out and about, you can apply using a phone, cell phone, or tablet.

We will ask you for a couple of details including your name, employment status, and loan amount. All of these can be filled in within 5 minutes and you’ll be given an instant decision on screen.

If you have very bad credit, we might offer you alternatives to a guaranteed loan and this could be from a credit union or a debt relief organization. Regardless of your situation, will always get to give you a solution that works for you.

Keep in mind that a loan is not always guaranteed when you apply. It’s not always as simple as applying and receiving the money on the same day. There will need to be further eligibility checks from the lender that we select for you.

Because we are a loan matching service we will always aim to provide a loan from a lender that works best for you.

Can Capital Bean Offer A Guaranteed Loan With Bad Credit?

We can’t offer guaranteed approval for loans if you have poor credit. However, we will match you with a lender that works best for your personal situation. Once you fill out your personal details and requirement for your loan, we’ll match you with a lender on our panel that suits you best.

We will always look to give you the best and most affordable rates. Most times we will give you a solution for multiple lenders and there’s never a fee for applying. There’s also no impact on your credit score.

A loan can never be completely guaranteed and you’ll always need to prove that you can afford to make repayments on your loan. You’ll need regular income, and a monthly salary, and you’ll want to guarantee that you can repay your loan amounts each month without falling into financial difficulty.

Am I Eligible For A Guaranteed Loan?

As long as you meet the following requirements then you can apply for a bad credit loan through Capital Bean:

Resident in the U.S.
18 Years Or Older
Have a steady paycheck and employment
Earning at least $800 per month
Working cell phone
An active checking account for your loan to be sent to

california-loansThe right partner

Capital Bean only works with trusted lenders so we can guarantee responsible lending. With hundreds of different lenders available, we can analyze your application and make sure we are finding the right lender and the best loan product for your personal circumstances.

bad-credit-loans-californiaThis search will never impact your credit history

Unlike other financial institutions, Capital Bean only carries out soft credit checks meaning that we will never leave a visible footprint on your credit history. Capital Bean assesses factors other than just your credit history.



Capital Bean is a broker rather than a direct lender. This means that while we don’t supply the funds directly, we will match you with the best lender for you. Even if you do not have perfect credit, we will always try and help you.

Does Capital Bean Offer Guaranteed Emergency Loans?

No loan comes with 100% guaranteed approval but you can get approved for emergency funding even if you have bad credit. It might be for an unexpected medical bill or a leaky roof.

You can borrow $500, a $1,000 all the way up to $35,000 to get you past these financial difficulties.

We understand that when it’s an emergency you need the money fast. This is why we work with lenders who give an instant on-screen decision and a fully online application process. Capital Bean can approve your loan the very same day and in some cases, you get your money within 1 hour, within 24 hours, or the next business day.

How Can I Apply For A No Credit Check Loan?

Step 1
Apply Online

Use our 100% free online form to apply in less than 5 minutes.

Step 2
Instant Decision

You will receive an instant decision on screen from one of our lending partners who will offer the best rates.

Step 3
Receive Money

You have already provided your bank account details so within 1 hour, the same day or the next business day you will get your funds.

Where Can I Find A Loan That Guarantees Approval?

Guaranteed loans are available from a number of lenders including payday loans- these are available in 37 US states including Texas, Florida, Nevada and Ohio.

If you don’t live in one of the 37 states where it is legal, we may offer you alternative products including unsecured, personal loans or installment loans for poor credit. We will always look to find an option that works for you in the place that you live.

Can I Find A Guaranteed Loan If I Don’t Want A Credit Check?

It’s definitely possible to find a guaranteed no-credit loan as long as you find a product that will take collateral or secure something against the debt. This means that you won’t have to have a strong credit score and instead the debt is collateralized against something that you already own.

These products include secured, home loans, title loans, and car loans. These loans require you to own a physical item to use against the cost of the loan.

Capital Bean regularly provides payday or installment loans which are all unsecured products. However, we might suggest collateral or secured products where you don’t necessarily need a credit check or credit history to be eligible.

How Do I Maximize My Chances Of Approval For A Guaranteed Loan?

Be In Stable Employment

If you are in regular employment and you can show monthly paychecks then this will give a lender confidence that you can repay the loan each month. Because you have money coming in, you will be able to budget accordingly and make sure that you can repay the monthly repayments. If you’ve been employed for over a year then this will also help your application.

Have A Good Or Fair Credit Score

The better your credit score, the higher your chances of approval. We work with those that have bad credit, but we want to see that your credit score is improving month on month and not decreasing. It can be very easy to fall behind on repayments which is why it’s important to budget sensibly and only borrow the amount of money that you can afford to repay.

Commit To Repaying On Time

If you’re willing to repay your loan on time each month then this will help guarantee your loan approval. It can be difficult to prove this to a lender, but if you have a history of repaying other debts and bills then this will be acknowledged.

Be Available And Communicative

After you put your application in the lender might have questions and so make sure you have your cell phone on and that you can answer it. After you apply make sure you are available to answer questions. It also helps to apply during normal business hours in the state that you’re applying – if you’re unsure then this would probably be from 9:00AM till 5:00PM.

Be Accurate When Providing Information

Lenders always appreciate it when you give them accurate information so they can judge your application properly. They use a range of software to check people’s backgrounds and so giving the right information is crucial. If you give them all of the right information upfront, they’ll spend less time asking you questions after you’ve applied.

FAQs for No Credit Payday Loans

What’s The Maximum And Minimum I Can Borrow?

Payday loan amounts range from $100 to $35,000 although there are restrictions depending on where you live. 

If I Have Bad Credit Can I Still Get A Payday Loan?

Absolutely, yes. Capital Bean works with a wide range of people with different credit histories. This also includes those that have a bad credit history or score.

What’s The Maximum And Minimum Duration Of A Loan? 

At Capital Bean you can borrow to be repaid over a maximum period of 5 years. Some of our shortest loans are repaid in 2 weeks depending on the amount.

Is Capital Bean A Lender?

Capital Bean is a broker, meaning that we will not pay you the funds directly but instead work with our panel of lenders to get you the best possible rate. We will pass your details on to the lender that is best suited to your circumstances. This means the best interest rates and best repayment terms.

How Much Does It Cost To Submit A Payday Loan Request?

There are no fees to submit a payday loan request via Capital Bean’s online application service.

How Quickly Can I Get The Funds Through? 

If you’re approved you could have the funds in as little as an hour. So if you’re looking to get money through on the same day then Capital Bean could be the right partner for you.