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By Jessica M Peterson

Like many Americans, you may have bad credit. With a record number of layoffs and many big companies going out of business due to the economy, it is hard to find anyone who is not struggling to keep up with rising prices and falling wages. It costs now more than ever just to put food on the table and pay for the basic necessities for your family. Oftentimes, those who are working just do not have enough money to handle emergency situations like home or auto repairs, an overlooked utility bill, or even emergency medical expenses. For situations like these, even those with horrible credit can rely on the guaranteed cash advance loan that is available without a credit check or inquiry.

Traditional loans and the people that write them look at numbers when deciding whether or not to loan you money, and most importantly, they look at your credit score. If yours is not up to par with their expectations, which is usually 650 or better on the FICO scale, you can almost be certain that you will not be approved, even for emergency loans. The guaranteed cash advance loan is different because even borrowers with negligent credit files can get the money they need for any imaginable purpose, without undergoing a credit evaluation and the embarrassment of being turned down by the bank. This type of loan is also perfect for those with bankruptcy, judgments, liens, and other notations on their credit file because cash advance loan servicers simply do not care about the past, only that you have the ability to repay them.

Your Credit Score Is Unimportant

To qualify for a guaranteed cash advance loan, you must be holding down a job that pays a regular paycheck. You must also have an active checking account with a positive balance. For those borrowers who do not have a checking account, some lenders will allow you to use a savings account instead to meet this requirement. This is because many people with bad credit do not qualify for a checking account. A savings account, however, can be obtained by nearly anyone, regardless of their credit score, and without depositing a huge amount of money.

The guaranteed cash advance loan is written for a very short term, usually less than a month but sometimes longer. Your loan is due in one lump sum payment on the due date, which usually coincides with the next time that you will receive a paycheck, or thereabouts. Borrowers can qualify whether they are paid weekly, bi-weekly, or even monthly. Those borrowers whose income is from Social Security, SSI, retirement, or other programs can also qualify for a loan of this nature.

Borrow Up To $1,500 Without A Credit Investigation

To obtain your guaranteed cash advance loan, you will write a check out to the lender, or agree to have the amount of money that you need to borrow withdrawn from your checking or savings account on a particular date. You will also agree to have interest and fees deducted to pay the lender for loaning you the money. Most of these loans are written for amounts ranging from $200 up to $1,500. Certain borrowers with higher incomes can qualify for even more. You will need to provide the lender with certain documents via fax or email, like your paystubs or identification. The lender can usually approve your application in minutes once documentation is provided and deposit your money in just a few hours to your account.

About the Author: Jessica Peterson is an

Bad Credit Unsecured Loan

Consultant with more than twenty years of experience. For more information about

Personal Loans

, no credit check loans, guaranteed loans, personal loans, car loans, guaranteed student loans and other financial products please visit http://www.yourloanservices.com

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