A sudden change of personal circumstances often leads to the need for a fast guaranteed loan. The problem faced is that a loan for people with bad credit isn’t available from a bank which means that it necessary to turn to a non-mainstream alternative. A same day cash advance for any purpose is available with no credit checks at any stage of the application process. It is important to appreciate that the higher probability of default means that the rate of APR will be a lot higher than was previously the case.