You may be wondering who can get a guaranteed personal loan approval direct lenders can be hard to come by in the first payday loans bad credit place. The criteria are not a long list at all! If you are 18-years-old, have a valid license or state issued identification, and have a source of income then you can be approved for a fast guaranteed personal loan no credit checks. We would never guide a person to a Payday Loans Online that they could not afford to payback so rest assured that we will pick the best loan option for you. If you are unsure if you can apply, please let us know and we can let you know if you meet the basic criteria to apply for a short-term loan.