5 Best Loan Matching Services of 2022

Very often you might need money fast. Unfortunately, getting a loan from conventional financial institutions with bad credit can be difficult.
Very often you might need money fast. However, there are platforms where you can get instant cash loans even with bad credit.

Unlike conventional loans, these short term loans are easily accessible and you can apply online and get approved without a credit check.

Below are some of the top 5 loan matching services of 2022.

5 Best Loan Matching Services of 2022

1. Viva Payday Loans

Viva Payday Loans is the leading loan matching platform in the United States. Borrowers can get instant payday loans at vivapaydayloans.comwith loans ranging from $200 to $5,000 and repayment schedules between 3 and 24 months.

The application process is simple (it takes about two minutes to get a response on whether your loan application has been approved or not) and can be done online.

After approval, the platform connects you directly with lenders who can offer you a personal loan, regardless of your credit history. The lender will ask for additional information, such as proof of income, address, and bank statements.

After going through the loan terms and signing the agreement, the lender will deposit the loan amount into your bank account. The repayment of the loan is done by automatic monthly mooring.

On the Viva Payday platform, you can qualify for a loan even if you are unemployed, on welfare, have poor credit or no credit at all. Different lenders provide loans at different interest rates. However, most lenders on the site offer loans at interest rates ranging from 5.99 to 35.99%.


The inconvenients

2. Heart Paydays

This US-based platform offers loan matching services to borrowers interested in taking out loans to address their financial emergencies. It takes less than five minutes to complete an online loan application and get a loan on Heart Paydays.

Heart Paydays is very inclusive as it provides an opportunity for those who are overlooked by other lenders. Once your loan is approved, it takes between one and twenty-four hours for the money to reflect in your account.

Heart Paydays offers loans even to those with bad credit scores or the unemployed. The main objective of the loan matching service is to connect borrowers who need payday loans, usually ranging from $200 to $2,000 payable within sixty days. If you need more, there’s a 5,000 loan with a 2-year repayment plan.

Heart Paydays focuses on low annual percentage rate (APR) temporary loans. Lenders offer competitive rates on this platform, with the highest APR being 35.99%.


The inconvenients

3. Credit Clock

Credit Clock matches borrowers with reputable lenders, offering emergency loans, bad credit payday loans, and payday loans. All people are welcome to apply, even those with poor credit scores.

Credit Clock is ideal for borrowers who need quick financial help, as this loan matching service responds quickly to your loan status. However, please note that you must meet the minimum income requirement to proceed with the loan application process.

Part of the loan eligibility criteria include U.S. citizenshipand you must be at least 18 years of age. Some lenders require you to show proof of income and residency in the process.


  • Disbursement of funds in 24 hours or less.

  • Those with bad credit can apply.

  • Fast approval process.

  • US permanent residents over the age of 18 are eligible.

The inconvenients

4. Money Lender Team

This is a great option for people who need a payday loan. Many borrowers prefer Lender Squad money because it offers low interest rates without collateral to US citizens.

Those with bad credit can also apply for loans, but with a loan term of 60 days to 24 months. This loan matching service also accepts borrowers rejected by other cash advance platforms.

Money Lender Squad only considers whether you can repay the loan, so your credit score is not their primary concern. Money Lender Squad includes an online form that borrowers must complete and submit.

The whole process is electronic and you only have to wait a few minutes to receive feedback. Once Money Lender connects you with a lender, reputable loan providers will contact you and outline the terms of the loan.


  • Extended loan term.

  • Efficient customer service.

  • Quick and easy application process.

  • No guarantor is required.

The inconvenients

5. Very Happy Loans

Like the others we’ve discussed, Very Merry Loans connects successful applicants with major lenders in the United States. Those with bad credit are also eligible to apply for payday loans through this loan matching site.

The loan matching service matches loan applicants within minutes, so you are guaranteed to have feedback within minutes. Once approved for a loan, you will receive your loan amount within 24 hours.

You must be a US citizen over the age of 18 to be eligible. There’s also a minimum income requirement of $1,000 per month, and some lenders usually require proof of identity or residency, so considering them will save you disappointment.

Very Merry Loans has simple lending technology that submits applications to a panel of well-known and approved lenders to officially and formerly submit loan applications.

Also, this loan matching service offers loans between $200 and $5,000, so feel free to apply any loan amount within the stated range.

Loan repayment terms vary from 7 to 31 days and longer periods of 24 months. Make sure you have read the terms of the loan before signing to avoid any surprises.


  • Extended loan term for substantial loan amounts.

  • An average APR of 5.99% to 35.59%.

  • Poor credit applicants and the unemployed are eligible.

The inconvenients


Minor mishaps can lead to significant financial stress, so it would be worth seeking financial assistance from reputable loan services.

However, you can always choose from any of the listed services as they will also connect you with reputable lenders in no time. Viva Payday Loans is one of the best you can choose from.

This article does not necessarily reflect the opinions of the editors or management of EconoTimes