We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker, not a lender. OinkMoney.com Introduces customers to Monevo Ltd who are an Appointed Representative of Quint Group Ltd for the purposes of obtaining a loan. Oink Money does not provide any loan or consumer credit products directly.

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Is there such a thing as a Guaranteed Loan?

Strictly speaking, when you apply for any loan you aren’t ‘guaranteed’ to be accepted, even if you think your chances are good.

So, loans which advertise themselves as definitely guaranteeing to approve your application no matter what are probably exaggerating slightly to lure you in. Lenders must make sure you have the resources to repay your loan before agreeing to approve your application.

Can I get a guaranteed loan?

People may want a guaranteed loan if they have a bad credit score, are unemployed, or if they need the money ASAP and don’t want to apply for multiple loans in a short time frame.

You may be concerned you will be refused for one of the above points. Reputable lenders will not necessarily reject you for any of these factors but will have to check them.

Every reputable lender registered with the FCA has specific checklist points in place as to who they will accept and approve for a loan and may even evaluate individuals on a case by case basis. There is a lot of risks associated with lending money, and they want to make sure you are appropriate and will pay the money back in time.

Despite this, there are still some out there which have high acceptance rates and will consider a broad range of criteria.

What are guaranteed loans for?

You may need a loan if you simply can’t make ends meet. There may have been a sudden boiler breakdown to contend with in the middle of winter, or your car could need urgent repairs, and you can’t afford to take public transport every day.

Most loans which are easiest to obtain and associated with the term ‘guaranteed’ are short-term. They are designed to tide you over until your next payday when your money just won’t stretch. Intended for emergencies only, they should not be taken out to cover long-term debt.

Many lenders won’t ask you why you need a general loan but recommend that you only use them for necessities. There are significant risks associated with loans, especially if you can’t make the repayments on time.

If taken out responsibly and paid back in time, they can be incredibly useful in helping people get out of one-off financial hitches.

How do I apply for a guaranteed loan?

You may be worried that applying for a loan will make a real dent in your credit score, or that you will be completely refused due to your rating.

The good news is that Oink Money will assess your basic details and find the most suitable panel of lenders – all without carrying out a credit assessment.

Simply apply through our site and choose the best deal for you. Take into consideration the APR, interest fees and total cost of the repayments.

We only feature FCA-registered lenders, who are required by law to carry out a credit check if you apply for one of their offers before you are approved. However, if you have bad credit, it doesn’t mean you won’t be accepted.

Applying through the internet makes the process quick, straightforward and clear. You can also do it at your own pace, making sure you read all the small print thoroughly rather than being pressured into anything as you could be with a face to face meeting.

How likely am I to be guaranteed a loan?

Many modern short-term lenders will accept people with bad credit ratings, instead preferring to mainly consider their employment status, household income and monthly wage. This combination roughly determines the likelihood of repayments for most lenders.

Some are stricter than others, and some may even charge higher interest if they are more likely to accept nearly all applicants, to keep themselves secure.

Even if you think your chances are good, don’t take it for granted that you will be accepted. Most lenders still have very comprehensive criteria. It is risky to lend large amounts of money to borrowers, and they want to make sure you’re a good candidate.

However, short-term and payday loans are a lot more likely to accept those with bad credit than long-term and traditional loans, such as those from your bank. Banks require thorough credit checks and may completely refuse you based on your credit score, even without obtaining extra information such as employment status.

Ensure that, if you are refused, you don’t gravitate towards a company which doesn’t carry out credit checks – many of these unregistered lenders rely on you not paying and therefore charge astronomical APR and interest. FCA registration is in place to protect you.

How much will a guaranteed loan cost?

As mentioned, no loan is guaranteed, but many have high acceptance rates. They can often afford to take a risk on applicants who pass their initial checks, as they charge such high rates of APR.

You will have to pay back the total amount you borrowed plus any interest you accrued during the agreed payback time frame.

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The quicker you pay off a loan, the less interest you may have to pay. Some companies will charge a monthly APR, meaning you pay a certain percentage of the total loan amount each month until you’ve paid it off. Some may charge a set fee based on a portion of the total amount borrowed and ask that you pay off the full amount in a couple of weeks or months.

Always certify you would be able to pay off the full amount before you agree to a loan.

We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker, not a lender.

OinkMoney.com Introduces customers to Monevo Ltd who are an Appointed Representative of Quint Group Ltd for the purposes of obtaining a loan. Oink Money does not provide any loan or consumer credit products directly. We do not make short term loan or credit decisions.

We do not charge any fees. If you are contacted by anyone saying they are calling from Oink Money requesting you make them a payment, you should report this to www.actionfraud.police.uk immediately. We will never contact you asking for a payment.

*The loan amount and interest rate you are offered are subject to lenders requirements and approval. If accepted by a lender, a full credit check will be carried out. If Monevo are unable to find you a loan, they may offer you an alternative product. The time it takes for the funds to appear in your account may take longer, and will depend on your bank and the lender's own policies and procedures.