We already talked about this, but let's go over it again. In general, direct lenders don't perform credit score checks, as they are not very concerned about your financial past. So, the answer is yes, there are bad credit installment loans out there. But, you need to know that such a thing as guaranteed loans doesn't exist. Nobody can guarantee that your request for a loan will be approved even if you provide proof of a good credit score. In the same way, there aren't any guaranteed installment loans for bad credit.