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Can I get instant cash loans with guaranteed approval?

When you’re facing an emergency expense and need quick cash, an instant cash loan with guaranteed approval might sound like a lifesaver. However, it’s important to understand that such guarantees are not always what they seem.

Keep reading to find out, as we take a closer look at the concept of guaranteed approval for instant cash loans, and whether it’s a myth or reality.

Updated by Steve Stemp on 12/4/23

instant cash loans

What are Instant Cash Loans with Guaranteed Approval?

Instant cash loans are designed to provide borrowers with quick access to cash when they need it most. These loans typically have a short repayment term and can be approved within hours of submitting an application. Once your loan is approved, the funds are sent to you via instant bank transfer into your nominated account that same day. Guaranteed approval means that lenders promise to approve your loan application, regardless of your credit score, income or employment status.

Myth or Reality?

The truth is, there is no such thing as a guaranteed approval for instant cash loans. Lenders must assess your application to determine your ability to repay the loan. While some lenders may have more lenient criteria for approving loans, they still need to ensure that the borrower is capable of repaying the loan.

Additionally, lenders have to comply with responsible lending practices set out by the Australian Securities and Investments Commission (ASIC). These practices are designed to protect consumers from predatory lending practices and ensure that loans are only approved for those who can afford to repay them.

So, while lenders cannot guarantee approval for an instant cash loan, they can offer a high approval rate for applicants who meet their lending criteria. Therefore, it’s essential to provide accurate information in your loan application, as this can increase your chances of approval.

What to Look for in an Instant Cash Loan?

When looking for an instant cash loan, you should focus on finding a lender that is transparent about their lending criteria and fees. A reputable lender will also provide you with a loan contract outlining the terms and conditions of the loan. Some factors to consider when looking for an instant cash loan include:

  1. Interest rates/fees
  2. Repayment terms
  3. Loan amount
  4. Eligibility criteria


While the idea of instant cash loans with guaranteed approval may seem enticing, it’s important to remember that it’s not always a reality. Responsible lenders must assess your loan application and ensure that you are capable of repaying the loan. 

When looking for an instant cash loan, focus on finding a reputable lender that is transparent about their lending criteria and fees. This will help you find a loan that meets your needs and provides you with the cash you need in a responsible and sustainable way.

Find out more about guaranteed loans.

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