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100% Guaranteed or Accepted Â â A broker may say that they offer a guaranteed successful loan. However, responsible lenders in the high-cost short-term loan industry should not be able to guarantee you a loan without running any proper credit checks or affordability checks. The way they might be able to justify selling a guaranteed loan is if the customer is declined and their âleadâ is sold enough times, they may eventually find a loan although this might incur fees and put their personal data at risk. Payday Loans Online For Bad Credit The amount of time needed to process a loan and wire or ACH funds into a borrower's bank account varies with each specific lender and may also be affected by the borrower's financial institution. Approved applicants may receive their cash funds within one full business day after approval notification. Each lender has its own rules and regulations regarding loan terms, including renewal policies and transfer times.