Having bad credit can present a number of challenges. Applying for a loan from a bank can become a nightmare, while qualifying for a home loan is highly unlikely. In most cases, qualifying for a personal loan from a mainstream lending institution with bad credit is unlikely. Your best option in such a case is applying for bad credit personal loans from direct lenders.
How to get access to bad credit personal loans from direct lenders with guaranteed approval:
• Submit all your loan applications within a short period of time.
• Apply only to reputable lending institutions.
• Try applying to Peer-to-peer lenders.
• Approach family and friends for a loan.
• Apply for secured loans, by putting an asset up as collateral.
A direct lender that offers bad credit personal loans is Budget Cash.
Budget Cash is a micro finance specialist that has been providing reliable loans since 2002. Founded in Nelspruit, this short term loan provider now has 8 branches nationwide.
Offering quick personal loan solutions, Budget Cash is reliable and secure.
Services offered by Budget Cash:
Cash Loans
Blacklisted Loans
Personal Loans for people with bad credit

As an NCA-compliant institution, Budget Cash won’t give you more than what you can afford to repay. Interest rates are charged as prescribed by law, so you can rest assured that you will be charged a fair rate.
Documents required:
• Valid South African ID
• Latest payslip
• Latest 3 months’ bank statements
How to apply:
Visit the Budget Cash website here: www.budgetcash.co.za
• Use the handy online widget tool to calculate how much you will be able to afford to repay on your next salary date
• Choose the amount you need and the date of your next payday
• Click Apply
• Fill out your details
• You will then receive an email to confirm your application
If you want to get access to bad credit personal loans from direct lenders with guaranteed approval, make sure that you do you research and that you take steps to improve your credit record.