Availing a guaranteed bad credit loan might seem the only way forward in financial distress, but it might not solve your issue if not borrowed from the right source and paid back sincerely. The lender always matters because depending upon your financing company, the application fee, the loan amount, interest rate, additional charges, repayment term, etc. vary. As long as you are able to pay back on due dates, you are fine. Once you fail, your lender might charge you unfairly. Therefore, it is very important to do business with a trusted direct lender which also empathizes with the bad credit borrowers. InstallmentLoanz, for example, offers bad credit personal loans with guaranteed approval and no credit check with a lot more benefits than others.