Guaranteed approval
A marketing phrase no legitimate lender can honestly make — and a classic advance-fee scam tell.
What "guaranteed approval" means
"Guaranteed approval" implies a lender will approve you before it has looked at anything — which no legitimate lender does. The federal trade regulator is explicit that a promise to approve any applicant, especially paired with a fee demanded before funding, is the hallmark of an advance-fee loan scam.
Real lenders always check something — income, a bank account, a specialty bureau. Treat a guarantee as a warning, not a feature; we rank the term because people search it, but we debunk it every time.