The 5 Best Credit Matching Services of 2022

It is not uncommon for you to need quick money. Unfortunately, it can be difficult to get credit from conventional financial institutions with poor credit ratings.
It is not uncommon for you to need quick money. However, there are platforms where you can get instant loans even if you have bad credit.

Unlike traditional 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 5 best credit matching services of 2022.

The 5 Best Credit Matching Services of 2022

1. Viva payday loan

Viva Payday Loans is the leading loan matching platform in the United States. Borrowers can secure themselves Instant Payday Loans at vivapaydayloans.comwith loans ranging from $200 to $5,000 and payment schedules ranging from 3 to 24 months.

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

Once approved, 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 you review the loan terms and sign the contract, the lender transfers the loan amount to your bank account. Loan repayment takes place through automatic monthly docking.

On the Viva Payday Platform, you can also qualify for a loan as an unemployed person, on social security, with poor or no creditworthiness. Different lenders lend at different interest rates. However, most of the lenders on the site offer loans at interest rates ranging from 5.99% to 35.99%.



2. Heart Paydays

This US-based platform offers loan pairing services to borrowers interested in borrowing to meet their financial emergencies. It takes less than five minutes to fill out an online loan application and secure a loan with Heart Paydays.

Heart Paydays is very comprehensive as it offers an opportunity to those neglected by other lenders. Once your loan is approved, it will take anywhere from one to twenty-four hours for the funds to appear in your account.

Heart Paydays also offers loans to those with bad credit or who are unemployed. The primary focus of the credit matching service is to connect borrowers who need payday loans, which typically range from $200 to $2,000 and are payable within sixty days. If you need more, there is a $5,000 loan with a 2 year repayment schedule.

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



3. Credit clock

Credit Clock matches borrowers with reputable lenders and offers emergency loans, bad credit payday loans and payday loans. Anyone can apply, including those with bad credit.

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

Part of the loan Eligibility criteria include US citizenshipand you must be at least 18 years of age. Some lenders require proof of income and proof of residence.


  • Withdraw funds in 24 hours or less.

  • People with bad credit can apply.

  • Fast approval process.

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


4. Moneylender Squad

This is an excellent option for people who need a payday loan. Many borrowers prefer the Money Lender Squad because it offers low interest rates without a guarantee for United States citizens.

People with poor credit ratings can also apply for loans, but with a loan term of 60 days to 24 months. This loan matching service also accepts borrowers who have been rejected by other cash advance platforms.

Money Lender Squad only checks if you can repay the loan, so your credit score is not their primary concern. Money Lender Squad includes an online form for borrowers to fill out and submit.

The entire process is electronic and you only have to wait a few minutes to receive feedback. Once Money Lender has matched you with a lender, reputable lenders will contact you and provide you with the terms of the loan.


  • Extended Loan Period.

  • Effective customer service.

  • Uncomplicated and fast application process.

  • No guarantor is required.


5. Very happy loans

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

The credit matching service matches credit applicants in minutes, so you can be assured of receiving feedback within minutes. Once a loan is approved, you will receive your loan amount within 24 hours.

You must be a US citizen over the age of 18 to be eligible. There is also a minimum income requirement of $1,000 per month, and some lenders usually require proof of identity or proof of residence. Keeping these in mind will save you from disappointment.

Very Merry Loans features hassle-free lending technology that submits applications to a panel of well-known and vetted lenders to offer loan requests formally and earlier.

Also, this credit matching service offers loans ranging from $200 to $5,000, so feel free to apply for any loan amount within the given range.

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


  • Extended loan term for significant loan amounts.

  • An average APR of 5.99% to 35.59%.

  • Applicants with bad credit and the unemployed are eligible.


bottom line

Minor mishaps can result in significant financial drain, so it would be helpful to seek financial assistance from reputable credit match services.

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

This article does not necessarily represent the opinion of the editors or management of EconoTimes

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